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OpenAPI Specification

openapi: 3.2.0
info:
  title: StoneX Payments API
  description: 'The StoneX Payments REST API enables cross-border payment processing in 140+ currencies with local currency acceptance and settlement. Uses Bearer token authentication over HTTPS with TLS 1.3. ISO standards are used throughout: ISO 4217 currency codes, ISO 3166 country codes, ISO 8601 timestamps.'
  version: '1.0'
  contact:
    url: https://docs.payments.stonex.io/
servers:
- url: https://fx-api.payments.stonex.com
  description: StoneX Payments Production
- url: https://api.sandbox.payments.stonex.com
  description: StoneX Payments Sandbox (UAT)
security:
- BearerAuth: []
tags:
- name: Payments
  description: Payment execution and management.
paths:
  /payments:
    post:
      operationId: createPayment
      summary: Create Payment
      description: Initiate a cross-border payment in local currency. Supports 140+ currencies and local settlement options globally.
      tags:
      - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreatePaymentRequest'
      responses:
        '201':
          description: Payment created successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '400':
          description: Invalid payment request.
        '401':
          description: Unauthorized.
        '429':
          description: Rate limit exceeded.
    get:
      operationId: listPayments
      summary: List Payments
      description: Retrieve a list of payments with optional filtering.
      tags:
      - Payments
      parameters:
      - name: status
        in: query
        required: false
        schema:
          type: string
          enum:
          - pending
          - processing
          - completed
          - failed
          - cancelled
        description: Filter payments by status.
      - name: currency
        in: query
        required: false
        schema:
          type: string
        description: Filter by payment currency (ISO 4217).
      - name: from_date
        in: query
        required: false
        schema:
          type: string
          format: date-time
        description: Start of date range filter (ISO 8601).
      - name: to_date
        in: query
        required: false
        schema:
          type: string
          format: date-time
        description: End of date range filter (ISO 8601).
      - name: page
        in: query
        required: false
        schema:
          type: integer
        description: Page number for pagination.
      - name: page_size
        in: query
        required: false
        schema:
          type: integer
        description: Number of results per page.
      responses:
        '200':
          description: Payments list returned successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentList'
        '401':
          description: Unauthorized.
  /payments/{paymentId}:
    get:
      operationId: getPayment
      summary: Get Payment
      description: Retrieve details of a specific payment by ID.
      tags:
      - Payments
      parameters:
      - name: paymentId
        in: path
        required: true
        schema:
          type: string
        description: Unique payment identifier.
      responses:
        '200':
          description: Payment details returned successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '401':
          description: Unauthorized.
        '404':
          description: Payment not found.
components:
  schemas:
    PaymentList:
      type: object
      properties:
        data:
          type: array
          items:
            $ref: '#/components/schemas/Payment'
        total:
          type: integer
          description: Total number of payments matching the filter.
        page:
          type: integer
          description: Current page number.
        page_size:
          type: integer
          description: Number of results per page.
    Payment:
      type: object
      properties:
        id:
          type: string
          description: Unique payment identifier.
        status:
          type: string
          enum:
          - pending
          - processing
          - completed
          - failed
          - cancelled
          description: Payment status.
        amount:
          type: number
          description: Payment amount.
        sell_currency:
          type: string
          description: Source currency (ISO 4217).
        buy_currency:
          type: string
          description: Destination currency (ISO 4217).
        exchange_rate:
          type: number
          description: Applied exchange rate.
        buy_amount:
          type: number
          description: Amount received in the destination currency.
        payment_reference:
          type: string
          description: Payment reference.
        created_at:
          type: string
          format: date-time
          description: Payment creation timestamp.
        value_date:
          type: string
          format: date
          description: Settlement value date.
        beneficiary:
          $ref: '#/components/schemas/Beneficiary'
    CreatePaymentRequest:
      type: object
      required:
      - amount
      - sell_currency
      - buy_currency
      - beneficiary
      properties:
        amount:
          type: number
          description: Payment amount.
        sell_currency:
          type: string
          description: Source currency code (ISO 4217).
        buy_currency:
          type: string
          description: Destination currency code (ISO 4217).
        beneficiary:
          $ref: '#/components/schemas/Beneficiary'
        payment_reference:
          type: string
          description: Reference for the payment.
        value_date:
          type: string
          format: date
          description: Desired value date for the payment.
    Beneficiary:
      type: object
      required:
      - name
      - country
      - account_number
      - bank_code
      properties:
        name:
          type: string
          description: Beneficiary name.
        country:
          type: string
          description: Beneficiary country (ISO 3166-1 alpha-2).
        account_number:
          type: string
          description: Beneficiary bank account number or IBAN.
        bank_code:
          type: string
          description: Bank routing code (BIC/SWIFT, ABA, sort code, etc.).
        address:
          type: string
          description: Beneficiary address.
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      description: JWT token obtained from the /auth/token endpoint. Valid for 10 hours.