Defacto Testing API

openapi: 3.2.0
info:
  title: Defacto Accounting Testing API
  version: v1.0.0
  description: Defacto provides instant, embedded financing for SMBs across Europe. This REST API lets partners onboard borrowers, test eligibility and credit limits, upload business/bank data, create invoices, request and manage loans, handle repayments and recollection, issue and manage credit cards, bill fees, and subscribe to webhooks. Reconstructed by API Evangelist from the per-operation OpenAPI fragments published on Defacto's ReadMe developer portal (developers.getdefacto.com/llms.txt). operationId values are the provider's ReadMe reference slugs; summaries are the reference page titles.
  contact:
    email: contact@getdefacto.com
    url: https://developers.getdefacto.com/
servers:
- url: https://api.getdefacto.com
  description: Production
- url: https://api-sandbox.getdefacto.com
  description: Sandbox
security:
- Bearer: []
tags:
- name: Testing
paths:
  /hello:
    get:
      description: Make a first call to this endpoint to test your connection to Defacto API with your API Key
      responses:
        '200':
          description: A welcoming message from Defacto API.
          content:
            text/plain:
              schema: {}
      security:
      - Bearer: []
      tags:
      - Testing
      operationId: get_hello
      summary: /hello
  /sandbox/business-generator:
    get:
      description: '

        Generate a fake business for you to use in your test.

        Important, this endpoint does not create the business but simply return the payload.

        Call `/borrowers` to register this business and generate loan for it

        Warning: these invoices and their IBANs will not work in production.

        '
      parameters:
      - in: query
        name: country
        required: false
        schema:
          type: string
          enum:
          - BEL
          - DEU
          - ESP
          - FRA
          - GUF
          - ISL
          - MAF
          - NLD
          - REU
          default: FRA
      - in: query
        name: is_borrower
        required: false
        schema:
          type: boolean
          default: true
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIPostBorrower'
      security:
      - Bearer: []
      tags:
      - Testing
      operationId: get_sandbox-business-generator
      summary: /sandbox/business-generator
  /sandbox/iban-generator:
    get:
      description: '

        Generate a new IBAN that will produce a given scenario on the sandbox, for example a rejected loan.

        Each IBAN can be used as the account of a single counterparty or borrower (a buyer or seller of yours).

        So, if you want to test the API for several of your counterparties, you will have to generate several of them.

        The BIC associated to these IBANs is FK2FACTO.

        Also, if you want to test another scenario on a given business, create a new IBAN and use it in the <code>to_account</code> field of the next invoice and loan that you create for this counterparty.

        For more information on the scenarios of the sandbox, please refer to the <a href="https://developers.getdefacto.com/reference/testing-your-integration">Testing Multiple Scenarios & Errors</a> section.

        Warning: these IBANs will not work in production.

        '
      parameters:
      - in: query
        name: country
        required: false
        schema:
          type: string
          enum:
          - BEL
          - DEU
          - ESP
          - FRA
          - GUF
          - ISL
          - MAF
          - NLD
          - REU
          default: FRA
      - in: query
        name: scenario
        required: false
        schema:
          type: string
          enum:
          - CANCEL
          - FAIL
          - REJECT
          - SUCCESS
          - SUCCESS_ONE_DAY_LATER
          default: SUCCESS
      responses:
        '201':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/GenerateIbanResponse'
      security:
      - Bearer: []
      tags:
      - Testing
      operationId: get_sandbox-iban-generator
      summary: /sandbox/iban-generator
  /sandbox/business-eligible:
    post:
      description: '

        This endpoint enables you to configure the eligibility of a business.

        Pass NOT_ELIGIBLE to make a business non-eligible.

        Then, you''ll be able to test how the Defacto API behaves when requesting a loan for a non-eligible business.

        You can test multiple scenarios:

        (1) when the business is the borrower or

        (2) when the business is on the invoice to finance but is not the borrower.

        '
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BusinessEligibleParams'
      responses:
        '204':
          description: ''
          content:
            '*/*':
              schema: {}
      security:
      - Bearer: []
      tags:
      - Testing
      operationId: post_sandbox-business-eligible
      summary: /sandbox/business-eligible
  /sandbox/invoice-generator:
    post:
      description: '

        !!! The documentation website is not able to display the full response of this endpoint. The use of the curl command is recommended. !!!


        Generate a fake invoice that will produce a given scenario on the sandbox, for example a rejected loan.

        The generation will not add the invoice to the list of your invoices. You must do this via API.

        To achieve this, you can copy the invoice_creation_payload into the payload of the invoice creation API.

        If you want to test another scenario on a given business, create another fake invoice.

        For more information on the scenarios of the sandbox, please refer to the <a href="https://developers.getdefacto.com/reference/testing-your-integration">Testing your integration</a> section.

        Warning: these invoices and their IBANs will not work in production.

        '
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/GenerateInvoiceRequest'
      responses:
        '201':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/GeneratedInvoice'
      security:
      - Bearer: []
      tags:
      - Testing
      operationId: post_sandbox-invoice-generator
      summary: /sandbox/invoice-generator
components:
  schemas:
    APICounterpartyContact:
      properties:
        email:
          format: email
          type: string
        first_name:
          type: string
        last_name:
          type: string
        phone_number:
          type: string
      required:
      - email
      - first_name
      - last_name
      - phone_number
      type: object
    APIAccountCreation:
      properties:
        account_holder:
          allOf:
          - $ref: '#/components/schemas/APIBusinessIdentifier'
          default: null
          description: The business owning the account.
        account_number:
          description: The account identifier. Only IBANs are supported at the moment.
          type: string
        account_number_type:
          default: iban
          description: The type of account number (e.g. IBAN).
          enum:
          - account_number
          - iban
          - internal_id
          type: string
        bank_identifier:
          default: null
          description: The identifier of the bank.
          type:
          - string
          - 'null'
        bank_identifier_type:
          default: bic
          description: The type of bank identifier (e.g. BIC).
          enum:
          - bic
          - name
          - routing_number
          - undefined
          type: string
      required:
      - account_number
      type: object
    BirthPlace:
      properties:
        city:
          default: null
          description: City where the person was born.
          type:
          - string
          - 'null'
        country:
          default: null
          description: Country where the person was born. Must be a ISO 3166 alpha-3 country code (e.g. FRA).
          type:
          - string
          - 'null'
      type: object
    APICounterpartyCreation:
      properties:
        address:
          allOf:
          - $ref: '#/components/schemas/Address'
          default: null
        contact:
          allOf:
          - $ref: '#/components/schemas/APICounterpartyContact'
          default: null
        identifier:
          default: null
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type:
          - string
          - 'null'
        identifier_type:
          default: null
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          - null
          type:
          - string
          - 'null'
        name:
          default: null
          description: Legal name of the business.
          type:
          - string
          - 'null'
        vat_number:
          default: null
          description: VatNumber
          type:
          - string
          - 'null'
      type: object
    APIBusinessIdentifier:
      properties:
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          type: string
      required:
      - identifier
      - identifier_type
      type: object
    APICreateOwner:
      properties:
        birth_date:
          default: null
          format: date
          type:
          - string
          - 'null'
        email:
          default: null
          format: email
          type:
          - string
          - 'null'
        first_name:
          type: string
        identity_documents:
          allOf:
          - $ref: '#/components/schemas/APICreateIdentityDocuments'
          default: null
          description: 'Owner''s identity documents: All documents must be provided as a Base64 encoded string of the document''s content.The front side of the identity document is mandatory. This can include either just the front side or both sides (recto-verso) of the identity document.The back side of the identity document is optional. You only need to provide it if you have already submitted the front side and vice versa.Additional identity documents are optional. You may submit other identity documents that you believe are relevant, such as a document used as proof of address, or one containing your code and signature.'
        last_name:
          type: string
        phone_number:
          default: null
          description: PhoneNumber
          type:
          - string
          - 'null'
      required:
      - first_name
      - last_name
      type: object
    Address:
      properties:
        address_line_1:
          type:
          - string
          - 'null'
        address_line_2:
          type:
          - string
          - 'null'
        city:
          type:
          - string
          - 'null'
        country:
          type:
          - string
          - 'null'
        postal_code:
          type:
          - string
          - 'null'
        state:
          type:
          - string
          - 'null'
      type: object
    BusinessEligibleParams:
      properties:
        business_identifier:
          $ref: '#/components/schemas/BusinessIdentifier'
        scenario:
          enum:
          - NOT_ELIGIBLE
          - OK
          type: string
      required:
      - business_identifier
      - scenario
      type: object
    GeneratedInvoice:
      properties:
        invoice_creation_payload:
          $ref: '#/components/schemas/APIDraftableInvoiceCreation'
        pdf_download_url:
          type: string
      required:
      - invoice_creation_payload
      - pdf_download_url
      type: object
    BusinessIdentifier:
      properties:
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          default: null
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          - null
          type:
          - string
          - 'null'
      required:
      - identifier
      type: object
    CreateAddress:
      properties:
        address_line_1:
          default: null
          type:
          - string
          - 'null'
        address_line_2:
          default: null
          type:
          - string
          - 'null'
        city:
          default: null
          type:
          - string
          - 'null'
        country:
          default: null
          type:
          - string
          - 'null'
        postal_code:
          default: null
          maxLength: 10
          type:
          - string
          - 'null'
        state:
          default: null
          type:
          - string
          - 'null'
      type: object
    APICreateDirector:
      properties:
        address:
          allOf:
          - $ref: '#/components/schemas/CreateAddress'
          default: null
          description: Address of the person.
        birth_date:
          default: null
          description: Birth date of the person. (YYYY-MM-DD)
          format: date
          type:
          - string
          - 'null'
        birth_place:
          allOf:
          - $ref: '#/components/schemas/BirthPlace'
          default: null
          description: Birth place of the person.
        business_email:
          default: null
          format: email
          type:
          - string
          - 'null'
        business_phone_number:
          default: null
          description: PhoneNumber
          type:
          - string
          - 'null'
        entity_type:
          default: people
          enum:
          - account
          - account_detail_verification
          - bill
          - borrower
          - borrower_financial_product
          - business
          - business_exposure
          - business_financial_product
          - contract
          - counterparty
          - country
          - credit_card
          - credit_line
          - data_request
          - deposit
          - due_interest
          - eligibility_request
          - enrollment
          - entity_eligibility
          - financial_product
          - flag
          - installment
          - invoice
          - loan
          - loan_log
          - mandate
          - max_exposure_deployment
          - onboarding
          - onboarding_financial_product
          - payment
          - people
          - rac
          - raw_data
          - recollection_document
          - revenue_share
          - sandbox_invoice
          - underwriting_check
          type: string
        first_name:
          default: null
          description: The first name of the person.
          type:
          - string
          - 'null'
        id:
          default: null
        identifier:
          default: null
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type:
          - string
          - 'null'
        identifier_type:
          default: null
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          - null
          type:
          - string
          - 'null'
        last_name:
          default: null
          description: The first name of the person.
          type:
          - string
          - 'null'
        legal_name:
          default: null
          description: Legal name of the business.
          type:
          - string
          - 'null'
        nationality:
          default: null
          description: Nationality of the person. Must be a ISO 3166 alpha-3 country code (e.g. FRA).
          type:
          - string
          - 'null'
        role:
          default: DIRECTOR
          enum:
          - DIRECTOR
          - NON_DIRECTOR
          type: string
        siege_address:
          allOf:
          - $ref: '#/components/schemas/CreateAddress'
          default: null
          description: Address of the business head quarters.
        title:
          default: null
          description: Title of the person (e.g. M., Dr., etc.)
          type:
          - string
          - 'null'
      type: object
    APIIdentityDocument:
      properties:
        description:
          default: null
          description: An optional string that describes the document.
          type:
          - string
          - 'null'
        document_binary_base64:
          description: A string that represents the document's binary content encoded in Base64.
          type: string
        filename:
          description: The name of the file, including its extension.
          type: string
      required:
      - document_binary_base64
      - filename
      type: object
    APIPostBorrower:
      properties:
        account_number:
          default: null
          description: The account identifier. Only IBANs are supported at the moment.
          type:
          - string
          - 'null'
        address:
          allOf:
          - $ref: '#/components/schemas/BusinessAddress'
          default: null
        directors:
          default: null
          items:
            $ref: '#/components/schemas/APICreateDirector'
          minItems: 1
          type:
          - array
          - 'null'
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          default: null
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          - null
          type:
          - string
          - 'null'
        legal_form:
          default: null
          description: Legal form of the business.
          type:
          - string
          - 'null'
        metadata:
          additionalProperties: {}
          default: null
          description: This object is yours, it enables you to add custom data.
          type:
          - object
          - 'null'
        name:
          default: null
          description: Legal name of the business.
          type:
          - string
          - 'null'
        owner:
          allOf:
          - $ref: '#/components/schemas/APICreateOwner'
          default: null
          description: The person requesting subscribing to Defacto on behalf of the borrowers. Must be added as a director too
        preferred_language:
          default: null
          description: 'Preferred language of the borrower in format ISO 639-1 (examples: [fr, en, es, de, nl]).'
          type:
          - string
          - 'null'
        signed_at:
          default: null
          description: datetime of the borrower's signature. Usually time the borrower clicked on our T&Cs checkbox
          format: date-time
          type:
          - string
          - 'null'
        vat_number:
          default: null
          description: VatNumber
          type:
          - string
          - 'null'
        wait_for_ready:
          default: false
          description: Wait for the borrower to be ready to request a first loan.Many actions have to run in the background (KYC, scoring, contract generation and so on).We recommend you to subscribe to the CreditLine.CREATED webhook in order to be notified in real time when the credit line is available.
          type: boolean
      required:
      - identifier
      type: object
    GenerateInvoiceRequest:
      properties:
        buyer:
          allOf:
          - $ref: '#/components/schemas/APICounterpartyCreation'
          default: null
        country:
          default: FRA
          enum:
          - BEL
          - DEU
          - ESP
          - FRA
          - GUF
          - ISL
          - MAF
          - NLD
          - REU
          type: string
        scenario:
          default: SUCCESS
          enum:
          - CANCEL
          - FAIL
          - REJECT
          - SUCCESS
          - SUCCESS_ONE_DAY_LATER
          type: string
        seller:
          allOf:
          - $ref: '#/components/schemas/APICounterpartyCreation'
          default: null
      type: object
    BusinessAddress:
      properties:
        address_line_1:
          type: string
        address_line_2:
          default: null
          type:
          - string
          - 'null'
        city:
          type: string
        country:
          type: string
        postal_code:
          maxLength: 10
          type: string
        state:
          default: null
          type:
          - string
          - 'null'
      required:
      - address_line_1
      - city
      - country
      - postal_code
      type: object
    APIDraftableInvoiceCreation:
      properties:
        buyer:
          allOf:
          - $ref: '#/components/schemas/APICounterpartyCreation'
          default: null
        currency:
          default: EUR
          description: Currency of the invoice. Use ISO 4217 currency code.
          enum:
          - EUR
          - GBP
          type:
          - string
          - 'null'
        document:
          description: PDF binary (format base64 string)
          type: string
        due_at:
          default: null
          format: date-time
          type:
          - string
          - 'null'
        invoice_number:
          default: null
          description: Invoice number as displayed on the invoice
          type:
          - string
          - 'null'
        is_draft:
          default: false
          description: True by default, set to false if you want to create and validate invoice in one API call.
          type:
          - boolean
          - 'null'
        issued_at:
          default: null
          format: date-time
          type:
          - string
          - 'null'
        metadata:
          additionalProperties: {}
          default: null
          description: This object is yours, it enables you to add custom data.
          type:
          - object
          - 'null'
        net_amount:
          default: null
          description: Amount before tax, in cents
          type:
          - integer
          - 'null'
        seller:
          allOf:
          - $ref: '#/components/schemas/APICounterpartyCreation'
          default: null
        tax_amount:
          default: null
          description: Amount of tax, in cents
          type:
          - integer
          - 'null'
        to_account:
          allOf:
          - $ref: '#/components/schemas/APIAccountCreation'
          default: null
          description: Beneficiary account as mentioned on the invoice. Note that this does not determine the account where the loan payment will be made.That is done separately when calling the POST /loans endpoint.
        to_pay_amount:
          default: null
          description: Remaining amount due by buyer to seller, in cents. Set at 0 for fully paid invoices.
          type:
          - integer
          - 'null'
        total_amount:
          default: null
          description: Sum of net amount and tax amount, in cents
          type:
          - integer
          - 'null'
      required:
      - document
      type: object
    GenerateIbanResponse:
      properties:
        iban:
          type: string
      required:
      - iban
      type: object
    APICreateIdentityDocuments:
      properties:
        custom_identity_documents:
          default: null
          items:
            $ref: '#/components/schemas/APIIdentityDocument'
          type:
          - array
          - 'null'
        identity_document_back:
          allOf:
          - $ref: '#/components/schemas/APIIdentityDocument'
          default: null
        identity_document_front:
          allOf:
          - $ref: '#/components/schemas/APIIdentityDocument'
          default: null
      type: object
  securitySchemes:
    Bearer:
      in: header
      name: Authorization
      type: apiKey