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OpenAPI Specification

openapi: 3.2.0
info:
  title: Regions Open Banking Account Information Payments API
  description: Regions Bank is implementing FDX-compliant open banking APIs through its partnership with Axway Amplify Open Banking. These APIs enable secure, consent-based financial data sharing for consumer banking, corporate banking, and wealth management, replacing legacy screen-scraping with standardized API access. Built to Financial Data Exchange (FDX) API v6.x standards. Regions joined FDX in 2021 and is targeting full compliance with CFPB open banking rules by April 2027.
  version: 1.0.0
  contact:
    name: Regions Bank Developer Support
    url: https://www.regions.com
  x-api-id: regions-open-banking-api
  x-audience: partner
  x-standard: FDX
servers:
- url: https://api.regions.com/v1
  description: Production
security:
- OAuth2:
  - accounts:read
tags:
- name: Payments
  description: Payment initiation and status
paths:
  /payments:
    post:
      operationId: initiatePayment
      summary: Initiate Payment
      description: Initiate a payment transfer from an authorized account.
      tags:
      - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentRequest'
      responses:
        '201':
          description: Payment initiated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          description: Insufficient funds or invalid account
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
  /payments/{paymentId}:
    get:
      operationId: getPayment
      summary: Get Payment
      description: Retrieve status for a specific payment.
      tags:
      - Payments
      parameters:
      - name: paymentId
        in: path
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Payment details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '404':
          $ref: '#/components/responses/NotFound'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  schemas:
    PaymentRequest:
      type: object
      required:
      - sourceAccountId
      - amount
      - currency
      - paymentType
      properties:
        sourceAccountId:
          type: string
          description: Account to debit
        destinationAccountId:
          type: string
          description: Internal destination account ID (for internal transfers)
        amount:
          type: number
          format: float
          minimum: 0.01
        currency:
          type: string
          default: USD
        paymentType:
          type: string
          enum:
          - INTERNAL_TRANSFER
          - ACH
          - WIRE
        memo:
          type: string
          description: Payment memo or description
        scheduledDate:
          type: string
          format: date
          description: Date to schedule payment (defaults to today)
    Payment:
      type: object
      properties:
        paymentId:
          type: string
          description: Unique payment identifier
        status:
          type: string
          enum:
          - PENDING
          - PROCESSING
          - COMPLETED
          - FAILED
          - CANCELLED
        sourceAccountId:
          type: string
        amount:
          type: number
          format: float
        currency:
          type: string
          default: USD
        paymentType:
          type: string
        scheduledDate:
          type: string
          format: date
        completedDate:
          type: string
          format: date-time
        memo:
          type: string
        createdAt:
          type: string
          format: date-time
    Error:
      type: object
      properties:
        code:
          type: string
        message:
          type: string
        details:
          type: string
        traceId:
          type: string
  responses:
    BadRequest:
      description: Invalid request parameters
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Missing or invalid OAuth2 token
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    OAuth2:
      type: oauth2
      description: OAuth 2.0 with customer consent (FDX standard)
      flows:
        authorizationCode:
          authorizationUrl: https://auth.regions.com/oauth/authorize
          tokenUrl: https://auth.regions.com/oauth/token
          scopes:
            accounts:read: Read account information
            transactions:read: Read transaction history
            customers:read: Read customer profile
            payments:write: Initiate payments