Synchrony Financial Payments API

openapi: 3.1.0
info:
  title: Synchrony Financial Credit Authorization Applications Payments API
  description: The Synchrony Financial Credit Authorization API allows merchants and retailers to perform credit card transactions including purchases, preauthorizations, completions, payments, refunds, and reversals. The API supports transactions via payment tokens or full account numbers across web, mobile, and point-of-sale channels.
  version: '1.0'
  contact:
    url: https://developer.syf.com/
servers:
- url: https://api.syf.com
  description: Production
- url: https://sandbox.api.syf.com
  description: Sandbox
security:
- bearerAuth: []
tags:
- name: Payments
  description: Process customer account payments.
paths:
  /v1/authorizations/payments:
    post:
      operationId: createPayment
      summary: Submit Payment
      description: Processes a payment to a customer's Synchrony credit account. Payments reduce the outstanding balance on the account.
      tags:
      - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentRequest'
      responses:
        '200':
          description: Payment processed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AuthorizationResponse'
        '400':
          description: Bad request
components:
  schemas:
    PaymentRequest:
      type: object
      required:
      - merchantId
      - accountNumber
      - amount
      properties:
        merchantId:
          type: string
        accountNumber:
          type: string
        amount:
          type: number
          format: float
    AuthorizationResponse:
      type: object
      properties:
        transactionId:
          type: string
          description: Unique identifier for the transaction.
        authorizationCode:
          type: string
          description: Authorization code returned on approval.
        status:
          type: string
          enum:
          - approved
          - declined
          - pending
        amount:
          type: number
          format: float
        accountNumber:
          type: string
          description: Masked account number.
        timestamp:
          type: string
          format: date-time
        message:
          type: string
          description: Human-readable status message.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer