Mastercard Account Opening API

swagger: '2.0'
info:
  title: Mastercard Bill Payment Validator Account  Opening API
  description: This service is provided on behalf of the Mastercard Remote Payment and Presentment (RPPS) Bill Payment Processing Network, which supports consumer to business "push" bill payments (i.e. those which are not funded by debit/credit card transactions) in the U.S.
  version: '1.0'
  x-artifactId: billpay-api
  contact:
    name: Bill Pay Development Support
    email: Bill_Pay_Development_Support@mastercard.com
host: sandbox.api.mastercard.com
basePath: /billpayAPI/v1
schemes:
- https
consumes:
- application/json
produces:
- application/json
tags:
- name: Account  Opening
paths:
  /openings:
    post:
      tags:
      - Account  Opening
      responses:
        '200':
          $ref: '#/components/responses/AccountOpening'
        '400':
          $ref: '#/components/responses/BadRequestError'
        '401':
          $ref: '#/components/responses/UnauthorizedError'
      description: Provides customers user identity, IP, and device scores to help with account creation decisioning. Using this API enables customers to be able to catch fraud early on and enhance customer experience while improving their risk models.
      summary: Response will provide device, IP and user insights.
      operationId: retrieveAccountOpeningInsights
      requestBody:
        $ref: '#/components/requestBodies/AccountOpeningRequest'
components:
  responses:
    UnauthorizedError:
      description: Unauthorized request.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            UnauthorizedExample:
              $ref: '#/components/examples/UnauthorizedExample'
    AccountOpening:
      description: Success
      headers:
        X-MC-Correlation-ID:
          schema:
            type: string
          description: A random string ID representing the account opening
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/AccountOpeningInsights'
    BadRequestError:
      description: The data provided in the request was invalid
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            InvalidFormatBadRequestErrorExample:
              $ref: '#/components/examples/InvalidFormatBadRequestErrorExample'
            MissingRequiredDataBadRequestErrorExample:
              $ref: '#/components/examples/MissingRequiredDataBadRequestErrorExample'
  schemas:
    UserInsights:
      type: object
      required:
      - scores
      - details
      description: Insights generated by analyzing the provided user data.
      properties:
        scores:
          $ref: '#/components/schemas/UserScores'
        details:
          $ref: '#/components/schemas/UserDetails'
    DeviceID:
      type: object
      description: This field contains device identification information.
      required:
      - uDeviceId
      - lastSeen
      - firstSeen
      - lastSeenDays
      - firstSeenDays
      properties:
        uDeviceId:
          $ref: '#/components/schemas/UDID'
        lastSeen:
          description: The ISO UTC timestamp when the device was last seen.
          type: string
          example: '2022-06-03T18:00:50Z'
        firstSeen:
          description: The ISO UTC timestamp when the device was first seen.
          type: string
          example: '2022-03-01T13:00:50Z'
        lastSeenDays:
          description: Number of of days since the device was last seen. If the device has not been observed before, lastSeenDays will be 0.
          type: integer
          format: int64
          example: 10
          minimum: 0
          maximum: 999999999
        firstSeenDays:
          description: Number of days since the device was first seen. If the device has not been observed before, firstSeenDays will be 0.
          type: integer
          format: int64
          example: 10
          minimum: 0
          maximum: 999999999
    IdentityRiskScore:
      type: integer
      format: int64
      minimum: 0
      maximum: 500
      description: Comprehensive identity risk score with a higher score indicating a riskier account sign-up.
      example: 42
    DeviceTrustFactor:
      type: integer
      description: An integer between 1-5 (1 being no trust and 5 being high trust). The trust factor value reflects the trustworthiness of the attributes associated with this device.
      minimum: 1
      maximum: 5
      example: 4
    BrowserUserAgent:
      pattern: ^(?!\s*$).+
      description: The user-agent string of the consumer device. The user-agent must represent the HTTP client of the service consumer with details on the software originating the request.
      type: string
      example: Mozilla/5.0 (compatible; MSIE 10.0; Windows NT 7.0; InfoPath.3; .NET CLR 3.1.40767; Trident/6.0; en-IN)
    UserScores:
      type: object
      required:
      - identityRisk
      description: Scores that were calculated by analyzing the provided user data.
      properties:
        identityRisk:
          $ref: '#/components/schemas/IdentityRiskScore'
    AccountOpeningInsights:
      type: object
      required:
      - requestRefId
      - insights
      description: All insights generated by analyzing the provided data.
      properties:
        requestRefId:
          type: string
          description: The generated unique web transaction identifier. Same value as X-MC-Correlation-ID in header response.
          example: be3ad617-04ad-43e1-a438-79425b6511b6
        insights:
          $ref: '#/components/schemas/InsightsList'
        warnings:
          type: array
          description: "An array containing warning messages.\nWarnings can be one of:\n\n  * Address: Input postal code was corrected\n  * Address: Input state corrected\n  * Email: Address is too long\n  * Email: General syntax error\n  * Email: Invalid domain syntax\n  * Email: Invalid top-level-domain (TLD) in address\n  * Email: Invalid username syntax\n  * Ip: IP address is in private range\n  * Phone: Invalid country_hint value. Only Alpha-2 supported"
          items:
            type: string
          example:
          - 'Email: Address is too long'
        alerts:
          type: array
          description: An alert generated when processing the request.
          items:
            type: string
          example:
          - Unable to generate IP and user insights
          - Unable to generate device insights
    IPScores:
      type: object
      required:
      - ipRisk
      description: Scores calculated by analyzing the provided IP address.
      properties:
        ipRisk:
          $ref: '#/components/schemas/IPRiskScore'
    IPRiskScore:
      type: number
      format: double
      example: 0.125
      minimum: 0
      maximum: 1
      description: Comprehensive risk score associated with an IP address, with a higher score indicating a riskier individual. A number between 0 and 1 rounded to three decimal places.
    AccountInfo:
      type: object
      description: Data points related to the account
      properties:
        hashedAccountId:
          type: string
          description: The hashed identifier associated with the account sign-up. Please use the same identifier when submitting another query for the same account sign-up.
          example: 3b5ed8ad6a408f42015254dd4b116080289038d41c311332e3c00be60f884370
        signupTime:
          type: string
          description: The timestamp associated with the account sign-up. Timestamp must be in UTC timezone and data format YYYY-MM-DD HH:MM.
          example: 2020-12-31 13:45
    AccountOpeningData:
      type: object
      description: All input related to the opening of the account. User input is required for all requests. Device input is only required if IP and/or device insights are needed.
      properties:
        device:
          $ref: '#/components/schemas/DeviceInput'
        user:
          $ref: '#/components/schemas/UserInput'
        endCustomerRefId:
          type: string
          description: Optional end customer ID for reseller customers
          example: '12345'
          minLength: 1
          maxLength: 40
        placement:
          description: This optional field contains the placement identifier within the application.
          type: string
          example: Registration
    AddressAnalysis:
      type: object
      required:
      - validityLevel
      - matchToName
      description: Results from analyzing a particular address.
      properties:
        validityLevel:
          type: string
          description: "The most granular level to which the address could be validated. Ex. If the address was only valid to the city level (but not to the house level), it would return \"valid_to_city\".\n  * missing_address - An input address was not provided.\n  * invalid - The input address is not valid.\n  * valid - The input address is valid.\n  * valid_to_country - The input address could only be validated to the country level. This means the country\n    of the input address is valid, but the other elements of the input address were unable to be confirmed as\n    valid or invalid.\n  * valid_to_city - The input address was validated to the city level. This means the country, state, city, and\n    postal code of the input address are valid, but the street, house number, and subpremise of the input\n    address were unable to be confirmed as valid or invalid.\n  * valid_to_street - The input address was validated to the street level. This means the country, state, city,\n    postal code, and street of the input address are valid, but the house number and subpremise of the input\n    address were unable to be confirmed as valid or invalid.\n  * valid_to_house_number - The input address was validated to the street and house number level. This means\n    the country, state, city, postal code, street, and house number of the input address are valid, but the\n    subpremise of the input address was unable to be confirmed as valid or invalid.\n  * valid_to_house_number_missing_apt - The input address was validated to the street and house number level.\n    This means the country, state, city, postal code, street, and house number of the input address are valid,\n    but the subpremise of the input address was missing and thus unable to be confirmed as valid or invalid."
          example: valid_to_street
        matchToName:
          $ref: '#/components/schemas/MatchToName'
    IPDetails:
      type: object
      required:
      - risk
      - lastSeenDays
      - geolocationCountryCode
      - geolocationSubdivision
      - phoneDistance
      - addressDistance
      description: Results from analyzing the provided IP address.
      properties:
        risk:
          type: boolean
          description: True if the IP address is considered risky, based on multiple IP data points and velocity calculations.
          example: false
        lastSeenDays:
          type: integer
          format: int64
          description: Count of days since the IP was last observed in the Identity Network. If the IP has not been observed before, last_seen_days will be 0.
          example: 35
          minimum: 0
          maximum: 999999999
        geolocationCountryCode:
          type: string
          format: ISO-3166-2
          description: The ISO-3166 alpha-2 country code of the location of the IP address.
          example: US
        geolocationSubdivision:
          type: string
          description: More granular detail about the IP address location.
          example: Oregon
        phoneDistance:
          type: integer
          format: int64
          description: The distance (in miles) between the IP address and the phone number.
          example: 200
        addressDistance:
          type: integer
          format: int64
          description: The distance (in miles) between the IP address and the physical address.
          example: 210
    DeviceInput:
      type: object
      description: "Input related to the device.\n\nThe fields required in this section vary depending on the output needed:\n  * IP\n    * Optional to generate user insights\n    * Required to generate IP and device insights\n  * User Agent\n    * Optional to generate user and IP insights\n    * Required to generate device insights\n  * Other fields\n    * Optional fields that can enhance device insights\n    * If any of these fields are provided then IP and User Agent are\n    also required"
      properties:
        ip:
          type: string
          description: The IPv4 or IPv6 address associated with the account sign-up attempt.
          example: 2001:0db8:5b96:0000:0000:426f:8e17:642a
        userAgent:
          $ref: '#/components/schemas/BrowserUserAgent'
        plugins:
          $ref: '#/components/schemas/BrowserPlugins'
        canvas:
          description: The canvas signature of the browser installed on the consumer device.
          type: string
          example: e1af96a2e8af1115
          minLength: 0
          maxLength: 999
        webGl:
          description: The webGL signature of the browser installed on the consumer device.
          type: string
          example: wg1-ce04533340ea94cf
          minLength: 0
          maxLength: 999
        timeZone:
          pattern: ^-?\d+$
          description: Time-zone of the consumer device attempting to create an account. The timezone must be a number of the time-zone offset, in minutes, from the date based on current host system settings to UTC.
          type: string
          example: '600'
        screenResolution:
          pattern: ^\s*\d+\s*x\s*\d+\s*\d*\s*$
          description: The screen resolution of the consumer device being used to create the account.
          type: string
          example: 1024x820
        localStorage:
          description: Flag to local storage is enabled on the consumer device.
          type: boolean
          example: true
        buildManufacturer:
          description: Manufacturer of the product/hardware.
          type: string
          example: Apple
        androidBuildVersion:
          description: Build is used to determine information about the current build, extracted from system properties.
          type: string
          example: '12'
        androidSdkInt:
          description: The user-visible SDK version of the framework; its possible values are defined in Build.VERSION_CODES.
          type: string
          example: '31'
        buildFingerprint:
          description: String that uniquely identifies this build.
          type: string
          example: samsung/a32xsq/a32x:12/SP1A.210812.016/A326USQS7BVF2:user/release-keys
        buildBrand:
          description: Consumer-visible brand with which the product/hardware will be associated, if any.
          type: string
          example: Apple
        supportedFeatures:
          description: List of the supported features on the consumer device.
          type: array
          items:
            type: string
          example:
          - mhac
          - mhtse
          - mhcdma
          - mhgy
        model:
          description: 'Mobile device manufacturer and modelAndroid: Build.MANUFACTURER + " " + Build.MODEL returns the mobile device manufacturer and model, For example,"samsung SM-G960U1",


            iOS: utsname.machine returns the device model, For example, "iPhone10.4". Note: Apple as a manufacturer is not included because it is the same for all iOS devices.'
          type: string
          example: iPhone
        sdkUserAgent:
          description: 'The unique package name/bundle identifier of the client''s application.


            Android: obtained from the applicationContext.getPackageName() method.


            iOS: obtained from the [NSBundle mainBundle] bundleIdentifier property.'
          type: string
          example: 14.3.1.7
        majorOsVersion:
          description: Major operating system version.
          type: integer
          example: 12
        minorOsVersion:
          description: Minor operating system version.
          type: integer
          example: 0
        simCountryIso:
          description: ISO country code equivalent for the SIM provider's country code.
          type: string
          example: us
        simOperator:
          description: MCC+MNC (mobile country code + mobile network code) of the SIM provider.
          type: string
          example: T-Mobile
        primaryStorage:
          format: int64
          description: Device primary storage size.
          type: integer
          example: 117027876864
        systemMemory:
          format: int64
          description: Device System memory size.
          type: integer
          example: 5847543808
        buildProduct:
          description: Name of the overall product.
          type: string
          example: beyond0qltesq
        vendorAppId:
          description: Alphanumeric string that uniquely identifies a device to the app�"s vendor.
          type: string
          example: 64BAA4F0-9EBC-713E-5B5B-2AF40AB4123A
        storedDeviceId:
          description: Optional unique device identifier that merchant can store on consumer device. E.g with cookie in web flow.
          type: string
          example: wyett276tuygey6r
        androidId:
          description: Google's unique device identifier. A 64-bit number (as a hex string) that is randomly generated when the end user first sets up the device.
          type: string
          example: 38400000-8cf0-11bd-b23e-10b96e40000d
        language:
          pattern: ^[a-zA-Z]{1,3}(-{1}[a-zA-Z0-9]{1,10})*?$
          description: The language of the consumer device. The language must be a string representing the language version as defined in BCP-47.
          type: string
          example: zh-TW
        colorDepth:
          description: The device screen color depth value.
          type: integer
          example: 24
          minimum: 0
          maximum: 999
        cookiesEnabled:
          description: Flag to indicate cookies are enabled on the consumer device.
          type: boolean
          example: true
    DeviceInfo:
      type: object
      description: This field contains information related to the consumer device used to authorize with your product or service.
      required:
      - browser
      - platform
      - deviceType
      properties:
        browser:
          type: string
          description: The name of the browser used to authorize your product or service.
          example: Safari
        platform:
          type: string
          description: The device platform used to authorize your product or service.
          example: iOS
        deviceType:
          type: string
          description: The device type used to authorize your product or service.
          example: iPhone
    IPInsights:
      type: object
      required:
      - scores
      - details
      description: Insights generated by analyzing the provided IP address.
      properties:
        scores:
          $ref: '#/components/schemas/IPScores'
        details:
          $ref: '#/components/schemas/IPDetails'
    UserInput:
      type: object
      description: Input related to the user (account and either email or phone are required).
      properties:
        account:
          $ref: '#/components/schemas/AccountInfo'
        name:
          type: string
          description: The full name of the person.
          example: John Smith
        email:
          type: string
          description: 'The email address of the person.

            Note: This field is required only if phone is not provided.'
          example: john.smith@mastercard.com
          minLength: 3
          maxLength: 254
        phone:
          $ref: '#/components/schemas/PhoneNumber'
        address:
          $ref: '#/components/schemas/Address'
    DeviceInsightFactor:
      type: integer
      description: "The calculated device risk is represented numerically using a range from 1 (no/low risk) to 5 (high risk). Each numerical value and its associated risk representation is shown below.\n  * `1` - Represents a no or low risk request.\n  * `2` - Represents a low risk request.\n  * `3` - Represents a medium risk request.\n  * `4` - Represents a high risk request.\n  * `5` - Represents a very high risk request.\n\nThe calculated risk score is typically used to identify scenarios where a service provider may want to introduce consumer friction on the authorization process to validate the identity of the consumer. Example usage by a service provider may be to implement controls such as multifactor authentication for calculated risk factors of `3` or `4` and request blocking for risk factors of `5`."
      minimum: 0
      maximum: 5
      example: 2
    EmailAnalysis:
      type: object
      required:
      - valid
      - firstSeenDays
      - matchToName
      - domainCreationDate
      description: Results from analyzing a particular email address.
      properties:
        valid:
          type: boolean
          description: True if the email address is valid.
          example: true
        domainCreationDate:
          type: string
          pattern: ^\d{4}-\d{2}-\d{2}
          description: The date when the email domain was created. Format is YYYY-MM-DD.
          example: '2000-11-29T00:00:00.000Z'
        firstSeenDays:
          type: integer
          format: int64
          description: Count of days since the email was first observed in the Identity Network. If the element has not been observed before, first_seen_days will be 0.
          example: 453
        mailboxVelocity:
          description: Number of times email has been seen in last 180 days.
          example: 3
          minimum: 0
          maximum: 1000
          type: integer
          format: int64
        isDisposable:
          description: True if the email domain is disposable. Disposable emails are generally associated with fraudulent activities. If true, this is one of the strongest risk indicators and the transaction should be flagged for further review.
          example: false
          type: boolean
        emailRiskScore:
          description: Comprehensive risk score associated with email address with higher score indicating risker individual. A number between 0 and 1 rounded to 3 decimal places.
          minimum: 0
          maximum: 1
          example: 0.066
          type: number
          format: double
        matchToName:
          $ref: '#/components/schemas/MatchToName'
    MatchToName:
      type: string
      description: "The match status between the input name and the queried entity. Possible values are:\n  * no-match\n  * not-found\n  * match"
      example: no-match
    BrowserPlugins:
      description: A list of browser plugins installed on the consumer device.
      type: array
      items:
        type: string
      example:
      - Adobe Acrobat
      - QuickTime
    UDID:
      type: string
      description: The generated unique device identifier.
      example: UDID-9284e12b85b0d2763c13d734c70b1d62
    Address:
      type: object
      description: Full address including country, state, and postal code.
      properties:
        streetLine1:
          type: string
          description: The first line of the _street_ part in the structured address. _(Cannot be longer than 1000 characters.)_
          example: 912 Uclan Dr
        streetLine2:
          type: string
          description: The second line of the _street_ part in the structured address. _(Cannot be longer than 1000 characters.)_
          example: Apt 32
        city:
          description: The name of the city in the structured address. _(Cannot be longer than 500 characters.)_
          example: Houston
          type: string
        state:
          description: The state/province/parent subdivision code of the structured address.
          example: TX
          type: string
          minLength: 1
          maxLength: 3
        postalCode:
          description: The postal code of the structured address. _(Cannot be longer than 100 characters.)_
          example: '63124'
          type: string
        country:
          description: 'The ISO-3166 alpha-2 country code of the address. See: [ISO-3166](https://www.nationsonline.org/oneworld/country_code_list.htm)'
          example: US
          type: string
          pattern: ^[A-Za-z]+$
          format: ISO-3166-2
          minLength: 2
          maxLength: 2
    PhoneNumber:
      type: object
      description: Phone number including country hint (only the number is required).
      properties:
        countryHint:
          description: 'The ISO-3166 alpha-2 country code of the phone number. See: [ISO-3166](https://www.nationsonline.org/oneworld/country_code_list.htm)'
          type: string
          format: ISO-3166-2
          example: US
        number:
          type: string
          pattern: ^\+?[\d-]*(x\d*)?
          description: 'The phone number in E.164 or local format. The default country calling code is +1 (USA).

            Note: This field is required only if email is not provided.'
          example: '7785732875'
    ErrorMessage:
      required:
      - Errors
      type: object
      description: The error response model used by all of our API endpoints.
      properties:
        Errors:
          $ref: '#/components/schemas/ErrorList'
    ErrorList:
      required:
      - Error
      type: object
      description: The error response model used by all of our API endpoints
      properties:
        Error:
          description: List of Error objects
          minItems: 1
          type: array
          items:
            $ref: '#/components/schemas/Error'
    InsightsList:
      type: object
      required:
      - user
      - ip
      description: List of the types of insights returned.
      properties:
        user:
          $ref: '#/components/schemas/UserInsights'
        ip:
          $ref: '#/components/schemas/IPInsights'
        device:
          $ref: '#/components/schemas/DeviceInsights'
    DeviceInsights:
      type: object
      required:
      - scores
      - details
      description: Insights generated by analyzing the provided device data.
      properties:
        scores:
          $ref: '#/components/schemas/DeviceScores'
        details:
          $ref: '#/components/schemas/DeviceDetails'
    DeviceScores:
      type: object
      required:
      - deviceRiskFactor
      - deviceInsightFactor
      - deviceTrustFactor
      description: Scores that were calculated by analyzing the provided device data.
      properties:
        deviceRiskFactor:
          $ref: '#/components/schemas/DeviceRiskFactor'
        deviceInsightFactor:
          $ref: '#/components/schemas/DeviceInsightFactor'
        deviceTrustFactor:
          $ref: '#/components/schemas/DeviceTrustFactor'
    DeviceRiskFactor:
      type: integer
      minimum: 1
      maximum: 5
      description: "The calculated risk factor is represented numerically using a range from 1 (no/low risk) to 5 (high risk). Each numerical value and its associated risk representation is shown below.\n  * `1` - Represents a no or low risk request.\n  * `2` - Represents a low risk request.\n  * `3` - Represents a medium risk request.\n  * `4` - Represents a high risk request.\n  * `5` - Represents a very high risk request.\n\nThe calculated risk factor is typically used to identify scenarios where a service provider may want to introduce consumer friction on the authorization process to validate the identity of the consumer. Example usage by a service provider may be to implement controls such as multifactor authentication for calculated risk factors of `3` or `4` and request blocking for risk factors of `5`."
      example: 5
    DeviceDetails:
      type: object
      description: More granular details of the device insights.
      required:
      - id
      - deviceInfo
      properties:
        id:
          $ref: '#/components/schemas/DeviceID'
        deviceInfo:
          $ref: '#/components/schemas/DeviceInfo'
    UserDetails:
      type: object
      required:
      - email
      - phone
      - address
      description: More granular details of the user insights.
      properties:
        email:
          $ref: '#/components/schemas/EmailAnalysis'
        phone:
          $ref: '#/components/schemas/PhoneAnalysis'
        address:
          $ref: '#/components/schemas/AddressAnalysis'
    PhoneAnalysis:
      type: object
      required:
      - valid
      - lineType
      - carrier
      - countryCode
      - lastSeenDays
      - emailFirstSeenDays
      - matchToName
      - matchToAddress
      description: Results from analyzing a particular phone number.
      properties:
        valid:
          type: boolean
          description: True if the phone number is valid.
          example: true
        lineType:
          type: string
          description: "The line type of the phone number.\n  * landline - Traditional wired phone line.\n  * fixed-voip - VOIP-based fixed line phones.\n  * mobile - Wireless phone line.\n  * voicemail - Voicemail-only service.\n  * toll-free - Callee pays for call.\n  * premium - Caller pays a premium for the call-e.g. 976 area code.\n  * non-fixed-voip - Skype, for example.\n  * other - Anything that does not match the previous categories."
          example: landline
        carrier:
          type: string
          description: The company that provides voice and/or data services for the phone number. Carriers are returned at the MVNO level.
          example: Telco
        countryCode:
          type: string
          format: ISO-3166-2
          description: 'The ISO-3166 alpha-2 country code of the address. See: [ISO-3166](https://www.nationsonline.org/oneworld/country_code_list.htm)'
          example: US
        lastSeenDays:
          type: integer
          format: int64
          description: Count of days since the phone was last observed in the Identity Network. If the element has not been observed before, last_seen_days will be 0.
          example: 12
          minimum: 0
          maximum: 999999999
        emailFirstSeenDays:
          type: integer
          format: int64
          description: Count of days since the combination of phone and email was first observed in the Identity Network. If that combination has not been observed before, first_seen_days will be 0.
          example: 234
        matchToName:
          $ref: '#/components/schemas/MatchToName'
        matchToAddress:
          type: string
          description: "The match status between the input phone and the input address.\n  * match - Phone location matches input address line 1, address line 2, city, state, and postal code.\n  * postal-match - Phone location postal code matches input address postal code.\n  * zip4-match: - Phone location postal code zip+4 matches input address postal code zip+4.\n  * city-state-match: - Phone location city and state matches input address city and state.\n  * metro-match: - Phone location is in the same metro area as input address.\n  * country-match - Phone location country matches input address country.\n  * no-match: - Phone location does not match input address."
          example: no-match
    Error:
      type: object
      description: The error response model used by all of our API endpoints
      properties:
        Source:
          type: string
          description: The source of the problem, i.e where the error occurred.
          example: IIA
          minLength: 1
          maxLength: 15
        ReasonCode:
          type: string
          description: A code defining the error, as defined in documentation.
          example: VALIDATION_ERROR
          minLength: 1
        Description:
          type: string
          description: A description for this specific occurrence of the above ReasonCode
          example: Invalid Format
          minLength: 1
        Recoverable:
          type: boolean
          description: Whether or not retrying this request could result in a successful response.
          example: false
        Details:
          type: string
          description: More details of this specific error. This is an optional field and is sometimes used to give a more comprehensive description of the error that has occurred, when required.
          example: purchaseDate, billingAddress.city
          minLength: 1
  examples:
    UnauthorizedExample:
      value:
        Errors

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# Full source: https://raw.githubusercontent.com/api-evangelist/mastercard/refs/heads/main/openapi/mastercard-account-opening-api-openapi.yml