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OpenAPI Specification

openapi: 3.2.0
info:
  title: 'Bud API Services: Documentation Manage Payments API'
  version: 2.10.10
  description: '# Overview


    ## Introduction

    Welcome to Bud''s API Platform documentation. Here you will find everything you need to build features, apps and experiences using Bud''s API Services. All endpoints follow standard RESTful principles and example request and response payload snippets are provided to get you up and running quickly and easily. To start interacting with our platform, please sign up for access here. You will be provided with access to the Bud Developer Console where you can create the API Credentials required to obtain an OAuth2 access token. If you have any questions, please use our Support Centre or email us on help@thisisbud.com. ## Bud Platform Products


    | Product | Service | Description |

    |--|--|--|

    | Connect | Open Banking Aggregation API | Simplified and unified access to Open Banking Aggregation APIs. |

    | Connect | First Party Ingestion API | Push your own data onto the Bud platform via Bud''s first party ingestion endpoints. |

    | Intelligence | Financial Data API | Obtain enriched first and third party transactional data. |

    | Intelligence | Enrichment API | Access enrichment resources and retrieve high level aggregations of transactional data. |

    | Intelligence | Financial Insights API | Obtain a deeper understanding of your customers transactional data through a variety of different insights. |

    | Intelligence | Signal API | Contextual, relevant triggers and notifications that drive action from customers. |

    | Intelligence | Financial Review API | Pre-fill affordability forms to speed up services and reduce drop-off with custom groups of income and spending. |

    | Pay | Payments API | Make authorised payments and transfers directly from a customer’s account. |

    | Check | KYC API | Perform relevant checks against businesses and customers. |


    ## Environments and API Base URIs


    Bud currently supports two environments on its platform:


    1. Bud’s Sandbox Environment - https://api-sandbox.thisisbud.com/


    2. Bud’s Production Environment - https://api.thisisbud.com/


    ## Bud’s Sandbox Environment


    ### About


    Bud Sandbox Platform is a development environment for integrating and testing Bud’s services. Its version is kept up to date with production. Bud’s sandbox environment mirrors our production environment and all updates are made in tandem. On the Sandbox environment, the variety of providers that you can connect to via Open Banking is limited and contains a predefined set of dummy accounts and transaction data. The instance size doesn’t differ from production, although certain rate limits are in place. ### API Access


    To start interacting with Bud’s Sandbox API you have to sign up for a developer account here. Once you’ve completed the signup and activation process you will be able to create a new project in the Developer Console to receive API Credentials (client_id and client_secret). These can be used to obtain OAuth2 access and refresh tokens using authentication endpoint. The access token must be supplied as a Bearer token within every service API call made to the Bud Platform. Once the access token has expired, the refresh token must be used to obtain another access token. Details on the authentication process can be found in the Authentication section of this documentation. ### Sandbox Providers


    Bud’s sandbox is built to mirror its production environment. The main difference is the available open banking providers that a customer is able to connect to. In the sandbox, Bud’s aggregation service only supports the use of Open Banking sandbox providers which issue dummy data. Currently, you are able to connect to customer profiles with predefined accounts and transaction data sets (managed by Bud) which are available via the NatWest Sandbox provider. From a Marketplace perspective, you can test any available journeys and play around with them, see how the product is constructed, what information the endpoints return and potentially create a new product of your choosing, following the API journey.'
  contact:
    name: Bud Support
    email: help@thisisbud.com
    url: https://www.thisisbud.com/
  x-logo:
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servers:
- url: https://api-sandbox.thisisbud.com
tags:


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# Full source: https://raw.githubusercontent.com/api-evangelist/thisisbud/refs/heads/main/openapi/thisisbud-manage-payments-api-openapi.yml