Stitch Payments (Pay By Bank)

openapi: 3.0.1
info:
  title: Stitch GraphQL API
  description: >-
    OpenAPI description of the single GraphQL endpoint exposed by the Stitch
    (stitch.money) payments and open-banking platform. All operations - Pay By
    Bank / LinkPay payment initiation, bank account verification, financial data,
    disbursements, refunds, and webhooks - are sent as GraphQL queries and
    mutations to POST /graphql. This document models the GraphQL transport; the
    GraphQL operations themselves are described in graphql/stitch-money-graphql.md
    and graphql/stitch-money-schema.graphql. Covers Stitch.money the fintech,
    distinct from any unrelated "Stitch" ETL product.
  termsOfService: https://stitch.money/legal/terms
  contact:
    name: Stitch Support
    url: https://docs.stitch.money
  version: '1.0'
servers:
  - url: https://api.stitch.money
    description: Stitch GraphQL API (test and live clients share this URL)
security:
  - bearerAuth: []
paths:
  /graphql:
    post:
      operationId: postGraphql
      tags:
        - GraphQL
      summary: Execute a Stitch GraphQL query or mutation
      description: >-
        Single GraphQL entry point. Send a query or mutation in the request body
        with an OAuth2 Bearer access token. Use a client-credentials client token
        for payment requests, disbursements, refunds, verification, and webhook
        configuration; use an authorization-code user access token for
        user-permissioned financial data and LinkPay account linking.
      security:
        - bearerAuth: []
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/GraphQLRequest'
            examples:
              createPayByBankRequest:
                summary: Create a Pay By Bank payment initiation request
                value:
                  query: >-
                    mutation CreatePaymentRequest($amount: MoneyInput!,
                    $payerReference: String!, $beneficiaryReference: String!) {
                    clientPaymentInitiationRequestCreate(input: { amount: $amount,
                    payerReference: $payerReference, beneficiaryReference:
                    $beneficiaryReference, beneficiary: { bankAccount: { name:
                    "Acme Pty Ltd", bankId: fnb, accountNumber: "62000000000" } } })
                    { paymentInitiationRequest { id url } } }
                  variables:
                    amount:
                      quantity: 100.00
                      currency: ZAR
                    payerReference: order-1234
                    beneficiaryReference: ACME-1234
              getPaymentStatus:
                summary: Query a payment initiation request status by id
                value:
                  query: >-
                    query GetPaymentRequestStatus($id: ID!) { node(id: $id) { ...
                    on PaymentInitiationRequest { id state { __typename } } } }
                  variables:
                    id: payment-initiation-request/01H...
              verifyBankAccount:
                summary: Verify a bank account
                value:
                  query: >-
                    query VerifyBankAccount($input: BankAccountVerificationInput!) {
                    verifyBankAccountDetails(input: $input) {
                    accountVerificationResult accountHolderVerified
                    accountNumberVerified accountOpen } }
                  variables:
                    input:
                      accountNumber: '62000000000'
                      bankId: fnb
                      accountHolder:
                        name: Jane Doe
      responses:
        '200':
          description: >-
            GraphQL response. HTTP 200 is returned for successful execution and
            for requests that resolve with field-level errors; inspect the
            "errors" array in the body.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GraphQLResponse'
        '401':
          description: Missing or invalid OAuth2 Bearer access token.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GraphQLResponse'
        '429':
          description: Too many requests - client is being rate limited.
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: >-
        OAuth2 access token. Client tokens are obtained via the
        client_credentials grant (scoped, e.g. client_paymentrequest); user
        access tokens via the authorization-code grant with PKCE.
  schemas:
    GraphQLRequest:
      type: object
      required:
        - query
      properties:
        query:
          type: string
          description: The GraphQL query or mutation document.
        operationName:
          type: string
          description: Name of the operation to run when the document defines several.
        variables:
          type: object
          additionalProperties: true
          description: Map of GraphQL variable names to values.
    GraphQLResponse:
      type: object
      properties:
        data:
          type: object
          nullable: true
          additionalProperties: true
          description: The result of the executed operation.
        errors:
          type: array
          description: Field- or request-level GraphQL errors, when present.
          items:
            $ref: '#/components/schemas/GraphQLError'
    GraphQLError:
      type: object
      properties:
        message:
          type: string
        path:
          type: array
          items:
            type: string
        extensions:
          type: object
          additionalProperties: true