Monoova Reconciliation Rules API

openapi: 3.2.0
info:
  description: "# Introduction\n\n<p> \n  Monoova has developed a powerful payments engine which allows you to receive, manage and pay funds in AUD in Australia automatically.\n  This service is made available to Monoova’s clients through a set of easy-to-use RESTful APIs with JSON payloads described in this document.\n  The central idea is to reduce the cost, risk and effort normally associated with managing complex money movements so that you can focus on growing your business.\n</p> \n<p> \n Our clients can receive and reconcile funds via Realtime transfers (NPP), direct credits/debits, BPAY and cards. \n They can then manage those funds by building virtual account/wallet hierarchies to get bespoke reporting, reconciliation and much more. \n And finally, our clients can pay funds via Realtime transfers (NPP) direct credits and BPAY. \n As new technologies become available (e.g. NPP Mandated payments) we will make additional methods of receiving, managing and paying available.\n</p> \n<p> \n  All information flows are real-time.\n  Moving money between various Monoova accounts is also real time.\n  All money flows in and out of the Engine are as fast as the banking system allows.\n</p>\n<p> \n  The sandbox environment is open to everyone who signs up on our <a href=\"https://sandbox.monoova.com/user/login\" target=\"_blank\">Sandbox Portal</a> at no cost.\n  The sandbox environment allows you to test out the functionality of our API in a consequence free development environment.\n  Access to the live environment is granted once you have (1) gone through our compliance process and (2) had formal sign-off on your sandbox integration.\n</p>\n<p>\n  Monoova regularly releases additive changes to our API, as well as new versions of the API when a breaking change would occur. \n  To ensure your integration does not break due to these additive changes, we recommend not validating the entire schema, or the position of a parameter within the schema.\n</p>\n<br/><br/>\n<p> <strong> Note&#58;</strong> Please note we do not accept TLS 1.0 or 1.1 connections</p>\n\n# Getting started\n>\n  - Sign on to our <a href=\"https://sandbox.monoova.com/user/login\" target=\"_blank\">Sandbox Portal</a>\n  - Get your sandbox API key under **MANAGE > ACCOUNTS** in the Sandbox Portal\n  - [Authenticate](#section/Authentication)\n  - Browse this document to find the functions you need\n  - Begin experimenting with your first API calls by sending HTTP requests to the endpoints described in this document\n  - Use the provided examples in the document as guidance\n\n# Authentication\n  All RESTful APIs in this document use BASIC Authentication (except those in public/v1) in two scenarios either\n  - <strong> API KEY </strong>\n  - <strong> OneShotSecurityToken </strong><br><br>\n\n> **Sandbox Authentication Credentials**\n<table>\n  <tr>\n    <th>Field</th>\n    <th>Value</th>\n  </tr>\n  <tr>\n    <td>Username</td>\n    <td>API Key (obtained from the <a href=\"https://sandbox.monoova.com/user/login\" target=\"_blank\">Sandbox Portal</a>) </td>\n  </tr>\n  <tr>\n    <td>Password</td>\n    <td>leave blank when using API key; Monoova will provide password for OneShotSecurityToken</td>\n  </tr>\n  <tr>\n    <td>Base URL</td>\n    <td>https://api.m-pay.com.au/</td>\n  </tr>\n</table> <br>\n\n> **Live Authentication Credentials**\nThis will be provided by Monoova after a technical review. <br> \n<table>\n  <tr>\n    <th>Field</th>\n    <th>Value</th>\n  </tr>\n  <tr>\n    <td>Username</td>\n    <td>API Key (obtained from the Production Portal; Production credentials will be supplied by Monoova) </td>\n  </tr>\n  <tr>\n    <td>Password</td>\n    <td>leave blank when using API key; Monoova will provide password for OneShotSecurityToken</td>\n  </tr>\n  <tr>\n    <td>Base URL</td>\n    <td>https://api.mpay.com.au/</td>\n  </tr>\n</table> <br>\n\nWhen using the LIVE Engine, your Sign-In Account is given five (5) attempts to authenticate your credentials. \nOn the fifth failure your Sign-In Account is locked for one (1) hour. \nThe returned data will indicate that your account is locked and the time in UTC that the account will be unlocked. \nIf you require the account to be unlocked on the LIVE system you may contact your Monoova representative and at his or her discretion they will unlock the account.\nSee the API routes in Security to manage Passwords and Tokens. <br><br>\n\n<h3> UserName/Password </h3>\nUsing this scenario, you can configure BASIC Authentication with the following <br> <br>\n<li> <strong> UserName </strong> - API Key (obtained from the <a href=\"https://sandbox.monoova.com/user/login\" target=\"_blank\">Sandbox Portal</a>) Production credentials will be supplied by Monoova when you have demonstrated successful implementation of the API on our Sandbox environment.</li>\n<li> <strong> Password </strong> - When using your API Key, no password is required. \nIf the key is compromised, it can be re-rolled via the <a href=\"https://sandbox.monoova.com/user/login\" target=\"_blank\">Sandbox Portal</a>. </li> <br>\n\n# Feedback\n\nWe value your feedback on our API. Please fill out the form <a href=\"https://ncv.microsoft.com/8eaKX3fsiJ\" target=\"_blank\">here</a> to share your feedback.\n"
  version: v5.29
  title: Monoova Payments Reconciliation Rules API
  contact:
    name: Monoova Support
    email: support@monoova.com
    url: https://www.monoova.com
  x-logo:
    url: https://movdpwebsiteprodae.blob.core.windows.net/images/Monoova-Primary-Logo-Black-RGB.png
    altText: Monoova logo
servers:
- url: https://api.mpay.com.au
  description: Production URL
- url: https://api.m-pay.com.au
  description: Sandbox URL
security:
- BasicAuth: []
tags:
- name: Reconciliation Rules
  description: <h3>  Overview </h3> <p> This feature enables customers to specify the criteria for accepting incoming NPP and DE payments in real time. The customer will be able to advise Monoova about the exact amount they expect to receive in their ABA/PayId in an agreed timeframe. This information would be used to determine whether to accept or reject a payment.<br/><br/> There are 2 criteria that can be set when specifying the reconciliation rules. Inbound transactions will only be accepted if <ul> <li>Bsb - Account Number and amount matches an active reconciliation rule. OR</li> <li>PayId and amount match an active reconciliation rule</li> </ul> If pre-defined criteria are not met, the transaction will automatically be returned to the sender. <br/><br/> These rules will not be applied to NPP PayTo Receivables.<br/> </p>
paths:
  /receivables/v1/reconciliationrules/create:
    post:
      tags:
      - Reconciliation Rules
      summary: Create Reconciliation Rule
      description: Use this API to create new reconciliation rules. Multiple entries can be created for an ABA or PayId for the same or different amount. The system will automatically return payments if the payment details do not match one of the entries. In case there are duplicate entries, payment will be matched with the oldest active rule.<br/> An optional Expiry Date Time can be specified for each rule. If expiry date is not provided, this will be defaulted as per pre-decided setup.
      operationId: ReconciliationRulesCreate
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/receivables.reconRulesCreate'
      x-codeSamples:
      - lang: PayID
        source: "{\n  \"reconciliationRuleReference\": \"RR22348\",\n  \"expiryDateTime\": \"2023-08-05T12:34:56\",\n  \"payId\": \"abc@xyz.com.au\",\n  \"amount\": 0.5\n}\n"
      - lang: Bank Account
        source: "{\n  \"reconciliationRuleReference\": \"RR22348\",\n  \"expiryDateTime\": \"2023-08-05T12:34:56\",\n  \"bsb\": \"802-985\",\n  \"accountNumber\": \"819877339\",\n  \"amount\": 0.5\n}\n"
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                properties:
                  durationMs:
                    description: 'This value represents the total time in milliseconds that the Platform took to process the request. '
                    type: integer
                    format: int64
                    example: 20
                  status:
                    description: This is the status of executing the request.&nbsp;A code of ‘Ok’ indicates no errors
                    type: string
                    example: Ok
                  statusDescription:
                    description: This is a plain English description of the status.
                    type: string
                    example: Operation completed successfully
        '400':
          description: Invalid ReconciliationRuleReference
          content:
            application/json:
              example:
                durationMs: 7
                status: InvalidReconciliationRuleReference
                statusDescription: Invalid Reconciliation Rule Reference. Please ensure that the value provided is not empty and unique.
  /receivables/v1/reconciliationrules/{ReconciliationRuleReference}:
    patch:
      tags:
      - Reconciliation Rules
      summary: Cancel Reconciliation Rule
      description: This API can be used to cancel an active Reconciliation Rule. The system will automatically return payments if the payment details match a cancelled reconciliation rule. <br/> <br/> <ul> <li>This API will mark the status of Reconciliation Rules as Cancelled.</li> <li>Only Reconciliation Rules in Received status can be Cancelled.</li> </ul>
      operationId: ReconciliationRulesCancel
      parameters:
      - name: ReconciliationRuleReference
        in: path
        required: true
        schema:
          type: string
          description: A unique reference used to identify the reconciliation rule. Unique to your mAccount
          maxLength: 35
          example: RR22348
          pattern: ^[A-Za-z0-9-_]{1,35}$
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                properties:
                  durationMs:
                    description: 'This value represents the total time in milliseconds that the Platform took to process the request. '
                    type: integer
                    format: int64
                    example: 20
                  status:
                    description: This is the status of executing the request.&nbsp;A code of ‘Ok’ indicates no errors
                    type: string
                    example: Ok
                  statusDescription:
                    description: This is a plain English description of the status.
                    type: string
                    example: Operation completed successfully
        '400':
          description: Invalid ReconciliationRule Status
          content:
            application/json:
              example:
                durationMs: 7
                status: InvalidReconciliationRuleStatus
                statusDescription: The specified Reconciliation Rule cannot be cancelled due to its current status. Only Reconciliation Rules that are in Received status can be cancelled.
  /receivables/v1/reconciliationrules/list/{dateTime}:
    get:
      tags:
      - Reconciliation Rules
      summary: Get the list of Reconciliation Rules by Date/Time
      description: This API can be used to search for a list of reconciliation rules. Customer will be allowed to search for rules for a date range of upto a month. If End Date is not provided, the system will return records for the day specified in Start Date.
      operationId: ReconciliationRulesSearchByDate
      parameters:
      - name: dateTime
        schema:
          type: string
          format: date
        required: true
        description: Example 2020-03-15 <br/> date format should be 'yyyy-MM-dd' format.
        in: path
      - name: endDate
        schema:
          type: string
          format: date
        in: query
        required: false
        description: Optional - If not provided we will provide data for the day specified in Start Date. <br/> Maximum range allowed is 1 month
      - name: payId
        in: query
        description: string <= 256 characters
        required: false
        schema:
          type: string
          maxLength: 256
      - name: ABA
        in: query
        description: Number combination of BSB + Account number with any special characters 802985123456789
        required: false
        schema:
          type: string
      - name: status
        in: query
        required: false
        schema:
          type: string
          enum:
          - Received
          - InProgress
          - Expired
          - Processed
          - Cancelled
        description: possible Values - <br/> <ul> <li>Received - Initial Status</li> <li>InProgress - Matching Payment is being processed </li> <li>Expired - Rule expired</li> <li>Processed - Matching Payment processed</li> <li>Cancelled - User cancelled the rule</li> </ul>
      - name: pageNumber
        in: query
        description: Optional - If not provided, it is defaulted to 1
        required: false
        schema:
          type: integer
          default: 1
      - name: pageSize
        in: query
        description: Optional - If not provided, page size will be defaulted to 50 (Configuration). Maximum allowed is 200 (Configuration).
        required: false
        schema:
          type: integer
          default: 50
          maximum: 200
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                properties:
                  durationMs:
                    description: 'This value represents the total time in milliseconds that the Platform took to process the request. '
                    type: integer
                    format: int64
                  status:
                    description: This is the status of executing the request.&nbsp;A code of ‘Ok’ indicates no errors
                    type: string
                  statusDescription:
                    description: This is a plain English description of the status.
                    type: string
                  reconciliationRules:
                    type: object
                    properties:
                      reconciliationRuleReference:
                        type: string
                        description: A unique reference used to identify the reconciliation rule. Unique to your mAccount
                        maxLength: 35
                        pattern: ^[A-Za-z0-9-_]{1,35}$
                      expiryDateTime:
                        type: string
                        description: This will be specified in Sydney local time in ISO 8601 Date Time format. This should be future date. If ExpiryDateTime is not provided it will be defaulted as pre-decided setup.
                      bsb:
                        type: string
                        description: Conditional, Either BSB+Account Number Or PayId should be provided
                      accountNumber:
                        type: string
                        pattern: ^[0-9]+$
                        minLength: 9
                        description: Conditional, Either BSB+Account Number Or PayId should be provided
                      payId:
                        type: string
                        maxLength: 256
                        description: Conditional, Either BSB+Account Number Or PayId should be provided
                      amount:
                        type: number
                        minimum: 0.01
                      createdDateTime:
                        type: string
                        description: This will be specified in Sydney local time in ISO 8601 Date Time format.
                      updatedDateTime:
                        type: string
                        description: This will be specified in Sydney local time in ISO 8601 Date Time format.
                      processedDateTime:
                        type: string
                        description: This will be specified in Sydney local time in ISO 8601 Date Time format.
                      transactionId:
                        type: string
                        description: Should be prefixed with D00 for DE and N00 for NPP
                      status:
                        description: This is the status of executing the request.&nbsp;A code of ‘Ok’ indicates no errors
                        type: string
              example:
                durationMs: 14
                status: Ok
                statusDescription: Operation completed successfully
                reconciliationRules:
                - amount: 0.5
                  createdDateTime: '2023-08-01T08:26:34'
                  expiryDateTime: '2023-08-05T12:34:56'
                  payId: abc@xyz.com.au
                  reconciliationRuleReference: RR22148
                  status: Received
                - amount: 0.49
                  createdDateTime: '2023-08-01T08:18:07'
                  expiryDateTime: '2023-08-05T12:34:56'
                  payId: abc@xyz.com.au
                  reconciliationRuleReference: RR22348
                  status: Cancelled
                - amount: 1.0
                  createdDateTime: '2023-08-01T08:12:06'
                  expiryDateTime: '2023-08-05T12:34:56'
                  payId: abc@xyz.com.au
                  reconciliationRuleReference: RR12348
                  status: Received
                - amount: 0.5
                  createdDateTime: '2023-08-01T08:12:02'
                  expiryDateTime: '2023-08-05T12:34:56'
                  payId: abc@xyz.com.au
                  reconciliationRuleReference: RR12347
                  status: Received
                - amount: 0.1
                  createdDateTime: '2023-08-01T08:12:00'
                  expiryDateTime: '2023-08-05T12:34:56'
                  payId: abc@xyz.com.au
                  reconciliationRuleReference: RR12346
                  status: Received
  /receivables/v1/reconciliationrules/{id}:
    get:
      tags:
      - Reconciliation Rules
      summary: Get Reconciliation Rule By ID
      description: This API is used to retrieve a single Reconciliation Rule based on its ID. The ReconciliationRuleReference should belong to the signin merchant.
      operationId: ReconciliationRulesSearchByID
      parameters:
      - name: id
        in: path
        description: ReconciliationRuleReference. The unique identifier for the Reconciliation Rule.
        required: true
        schema:
          type: string
          example: RR22148
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                properties:
                  durationMs:
                    description: 'This value represents the total time in milliseconds that the Platform took to process the request. '
                    type: integer
                    format: int64
                  status:
                    description: This is the status of executing the request.&nbsp;A code of ‘Ok’ indicates no errors
                    type: string
                  statusDescription:
                    description: This is a plain English description of the status.
                    type: string
                  reconciliationRule:
                    type: object
                    properties:
                      reconciliationRuleReference:
                        type: string
                        description: A unique reference used to identify the reconciliation rule. Unique to your mAccount
                        maxLength: 35
                        pattern: ^[A-Za-z0-9-_]{1,35}$
                      expiryDateTime:
                        type: string
                        description: This will be specified in Sydney local time in ISO 8601 Date Time format. This should be future date. If ExpiryDateTime is not provided it will be defaulted as per pre-decided setup.
                      bsb:
                        type: string
                        description: Conditional, Either BSB+Account Number Or PayId should be provided
                      accountNumber:
                        type: string
                        minLength: 9
                        description: Conditional, Either BSB+Account Number Or PayId should be provided
                      payId:
                        type: string
                        maxLength: 256
                        description: Conditional, Either BSB+Account Number Or PayId should be provided
                      amount:
                        type: number
                        format: double
                        minimum: 0.01
                      createdDateTime:
                        type: string
                        description: This will be specified in Sydney local time in ISO 8601 Date Time format.
                      updatedDateTime:
                        type: string
                        description: This will be specified in Sydney local time in ISO 8601 Date Time format.
                      processedDateTime:
                        type: string
                        description: This will be specified in Sydney local time in ISO 8601 Date Time format.
                      transactionId:
                        type: string
                        description: Should be prefixed with D00 for DE and N00 for NPP
                      status:
                        description: This is the status of executing the request.&nbsp;A code of ‘Ok’ indicates no errors
                        type: string
              example:
                durationMs: 14
                status: Ok
                statusDescription: Operation completed successfully
                reconciliationRule:
                  amount: 1268.23
                  createdDateTime: '2023-08-19T08:16:35'
                  expiryDateTime: '2023-08-30T05:14:46'
                  payId: abc@xyz.com.au
                  reconciliationRuleReference: 012F67AC-59EF-4F9A-8960-77624344EF2
                  status: Received
        '400':
          description: Invalid ReconciliationRuleReference
          content:
            application/json:
              example:
                durationMs: 7
                status: InvalidReconciliationRuleReference
                statusDescription: Invalid Reconciliation Rule Reference. Please ensure that the value provided is not empty and unique.
components:
  schemas:
    receivables.reconRulesCreate:
      type: object
      required:
      - reconciliationRuleReference
      - amount
      properties:
        reconciliationRuleReference:
          type: string
          description: A unique reference used to identify the reconciliation rule. Unique to your mAccount
          maxLength: 35
          pattern: ^[A-Za-z0-9-_]{1,35}$
        expiryDateTime:
          type: string
          description: This will be specified in Sydney local time in ISO 8601 Date Time format. This should be future date. If ExpiryDateTime is not provided it will be defaulted as per pre-decided setup.
        bsb:
          type: string
          description: Conditional, Either BSB+Account Number Or PayId should be provided
        accountNumber:
          type: string
          minLength: 9
          description: Conditional, Either BSB+Account Number Or PayId should be provided
        payId:
          type: string
          maxLength: 256
          description: Conditional, Either BSB+Account Number Or PayId should be provided
        amount:
          type: number
          format: double
          minimum: 0.01
  securitySchemes:
    BasicAuth:
      type: http
      scheme: basic
x-tagGroups:
- name: Receive and Pay
  tags:
  - Financial
  - Verify
  - Automatcher (Bank Account Receivables)
  - Whitelisting for Automatcher (Bank Account Receivables)
  - Ledger Account
  - Reconciliation Rules
  - PayID
  - Tools
- name: BPAY
  tags:
  - BPAY
  - mWallet
- name: Manage
  tags:
  - Subscriptions
  - Webhooks
  - mAccount
  - Reports
  - Security
  - Token
- name: Public Endpoints
  tags:
  - Public Endpoints