token-io Refunds API

openapi: 3.2.0
info:
  version: '1.0'
  title: Token.io's Open Banking API for TPPs Account on File Refunds API
  description: '<b>Token.io''s Open Banking API</b><br/><br/>Token.io Support: <a href="https://support.token.io" target="_blank">support.token.io</a><br/><br/>The Token.io Open Banking API enables you to connect securely with banks for a range of services.<br/><br/> Using our API you can: <ul><li>provide authorized access to an authenticated user''s account information</li><li>get information on specific banks</li><li>initiate authorization with a user-selected bank</li><li>initate and track single immediate payments and future dated payments</li><li>use variable recurring payments (VRP) to grant long-held consents to Payment Initiation Service Providers (PISPs) to initiate series of payments from users'' bank accounts</li><li>carry out settlements, payments and refunds using our settlement accounts</li></ul><br/>For more information see our <a href="https://developer.token.io/token_rest_api_doc/content/e-rest/dashboard-intro.htm" target="_blank">developer documentation</a>.'
servers:
- url: https://api.token.io
tags:
- name: Refunds
  description: These endpoints allow you to handle registration, posting, and retrieval of refunds associated with original transaction account information.
paths:
  /refunds:
    post:
      tags:
      - Refunds
      summary: Initiate a refund
      description: The `POST /refunds` endpoint initiates a refund. After the refund is settled, the refund status of the original transfer will be updated. <br/> The debtor field can be optional if you're using the debtor in registration. The creditor field can be optional if the information is available in the original payment.
      operationId: InitiateRefund
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/refunds_body'
        required: true
      responses:
        '200':
          description: Successful response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RefundResponse'
        '400':
          description: The client specified an invalid argument
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_400'
        '401':
          description: The authorization information is missing or invalid
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_401'
        '403':
          description: Permission to access this endpoint is denied
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_403'
        '404':
          description: The requested entity, such as a payment, was not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_404'
        '429':
          description: Too many requests
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_429'
        '500':
          description: An unexpected or internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_500'
        '501':
          description: The operation was not implemented
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_501'
        '503':
          description: Service is unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_503'
        '504':
          description: Gateway has timed out
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_504'
      deprecated: false
      security:
      - Bearer: []
      - BasicAuth: []
      x-hideTryItPanel: true
    get:
      tags:
      - Refunds
      summary: Get refunds
      description: The `GET /refunds` endpoint retrieves a complete or filtered list of refunds.
      operationId: GetRefunds
      parameters:
      - name: limit
        in: query
        description: The maximum number of records to return.
        required: true
        style: form
        explode: true
        schema:
          maximum: 200
          minimum: 1
          type: integer
          format: int32
        example: 10
      - name: offset
        in: query
        description: The offset from the previous page.
        required: false
        style: form
        explode: true
        schema:
          type: string
        example: LerV6Jmex
      - name: startDate
        in: query
        description: Lower bound for a refund creation date in the format 'YYYY-MM-DD' (UTC time zone). If specified, only refunds created at or after the given date will be returned.
        required: false
        style: form
        explode: true
        schema:
          type: string
        example: '2010-01-01'
      - name: endDate
        in: query
        description: Upper bound for a refund creation date in the format 'YYYY-MM-DD' (UTC time zone). If specified, only refunds created at or before the given date will be returned.
        required: false
        style: form
        explode: true
        schema:
          type: string
        example: '2010-01-01'
      - name: ids
        in: query
        description: Filters refunds by their ids - returns only refunds with ids listed in this parameter.
        required: false
        style: form
        explode: true
        schema:
          type: array
          items:
            type: string
        example:
        - rf:4QExXrhKTxfShBdcTeqFabqJJhUF:2gFUX1NDgpN
        - rf:N5cJDFsQzVca3Qvr8kQocgEnjgX:2gFUX1NEdYA
      - name: invertIds
        in: query
        description: Invert ids query - returns only refunds with ids not listed in the ids parameter.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
        example: false
      - name: statuses
        in: query
        description: Filters refunds by their statuses - returns only refunds with statuses listed in this parameter.
        required: false
        style: form
        explode: true
        schema:
          type: array
        example:
        - INITIATION_COMPLETED
        - INITIATION_REJECTED
      - name: invertStatuses
        in: query
        description: Invert statuses query - returns only refunds with statuses not listed in the statuses parameter.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
        example: true
      - name: refIds
        in: query
        description: Filters refunds by their `refId` values - returns only refunds with `refIds` listed in this parameter.
        required: false
        style: form
        explode: true
        schema:
          type: array
          items:
            type: string
        example:
        - ShBdcTeqFabqJJhUF
        - N5cJDFsQzVca3Q
      - name: partial
        in: query
        description: Returns refunds in a partial format - with only id and status fields populated.
        required: false
        style: form
        explode: true
        schema:
          type: boolean
        example: true
      - name: onBehalfOfIds
        in: query
        description: Filters payouts by their `onBehalfOfId` values - returns only payouts with the `onBehalfOfId` values specified in this parameter. This field is mandatory for unregulated TPPs.
        required: false
        style: form
        explode: true
        schema:
          type: array
          items:
            type: string
        example:
        - c5a863bc-86f2-4418-a26f-25b24c7983c7
        - 6f34h397-b29h-23b0-s30g-hkd0d2dk4k1s
      responses:
        '200':
          description: Successful response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RefundsResponse'
        '400':
          description: The client specified an invalid argument
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_400'
        '401':
          description: The authorization information is missing or invalid
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_401'
        '403':
          description: Permission to access this endpoint is denied
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_403'
        '404':
          description: The requested entity, such as a payment, was not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_404'
        '429':
          description: Too many requests
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_429'
        '500':
          description: An unexpected or internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_500'
        '501':
          description: The operation was not implemented
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_501'
        '503':
          description: Service is unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_503'
        '504':
          description: Gateway has timed out
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_504'
      deprecated: false
      security:
      - Bearer: []
      - BasicAuth: []
      x-hideTryItPanel: true
  /refunds/{id}:
    get:
      tags:
      - Refunds
      summary: Get a refund
      description: The `GET /refunds/{id}` endpoint retrieves a given refund.
      operationId: GetRefund
      parameters:
      - name: id
        in: path
        required: true
        style: simple
        explode: false
        schema:
          type: string
          description: The refund id.
          example: your refund id
      responses:
        '200':
          description: Successful response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RefundResponse'
        '400':
          description: The client specified an invalid argument
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_400'
        '401':
          description: The authorization information is missing or invalid
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_401'
        '403':
          description: Permission to access this endpoint is denied
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_403'
        '404':
          description: The requested entity, such as a payment, was not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_404'
        '429':
          description: Too many requests
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_429'
        '500':
          description: An unexpected or internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_500'
        '501':
          description: The operation was not implemented
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_501'
        '503':
          description: Service is unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_503'
        '504':
          description: Gateway has timed out
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_504'
      security:
      - Bearer: []
      - BasicAuth: []
  /transfers/{id}/refunds:
    get:
      tags:
      - Refunds
      summary: Get all refunds by transfer
      description: The `GET /transfers/{id}/refunds` endpoint retrieves all refunds associated with a given transfer.
      operationId: GetTransferRefunds
      parameters:
      - name: limit
        in: query
        description: The maximum number of records to return.
        required: true
        style: form
        explode: true
        schema:
          maximum: 200
          minimum: 1
          type: integer
          format: int32
        example: 10
      - name: offset
        in: query
        description: The offset from the previous page.
        required: false
        style: form
        explode: true
        schema:
          type: string
        example: LerV6Jmex
      - name: id
        in: path
        required: true
        style: simple
        explode: false
        schema:
          type: string
          description: The transfer id.
          example: your transfer id
      responses:
        '200':
          description: Successful response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RefundsResponse'
        '400':
          description: The client specified an invalid argument
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_400'
        '401':
          description: The authorization information is missing or invalid
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_401'
        '403':
          description: Permission to access this endpoint is denied
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_403'
        '404':
          description: The requested entity, such as a payment, was not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_404'
        '429':
          description: Too many requests
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_429'
        '500':
          description: An unexpected or internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_500'
        '501':
          description: The operation was not implemented
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_501'
        '503':
          description: Service is unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_503'
        '504':
          description: Gateway has timed out
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/inline_response_504'
      deprecated: false
      security:
      - Bearer: []
      - BasicAuth: []
      x-hideTryItPanel: true
components:
  schemas:
    NotImplementedError:
      required:
      - paymentId
      type: object
      properties:
        errorCode:
          example: UNIMPLEMENTED
        paymentId:
          type: string
          description: The operation was not implemented,supported or enabled by the bank.
          example: Not implemented.
      description: The operation was not implemented, supported or enabled by the bank.
      allOf:
      - $ref: '#/components/schemas/ErrorWithCode'
    EUIbanAccount:
      title: EUIbanAccount
      required:
      - iban
      type: object
      properties:
        iban:
          type: string
          description: The International Bank Account Number, used when sending interbank transfers or wiring money from one bank to another, especially across international borders. It consists of a two-letter country code followed by two check digits and up to thirty-five alphanumeric characters.
          example: GB29NWBK60161331926819
        bic:
          type: string
          description: The Business Identifier Code (BIC), <a href="https://www.iso.org/standard/84108.html" target="_blank">ISO 9362</a>, is the SWIFT Address assigned to a bank in order to send automated payments quickly and accurately to the banks concerned. It uniquely identifies the name and country, (and sometimes the branch) of the bank involved. BICs are often called SWIFT Codes and can be either 8 or 11 characters long."
          example: BOFIIE2D
      description: Account details where the iban is required and the bic is optional.
    inline_response_400:
      type: object
      properties:
        error:
          $ref: '#/components/schemas/Error'
    PLIbanAccount:
      title: PLIbanAccount
      required:
      - iban
      type: object
      properties:
        iban:
          type: string
          description: The International Bank Account Number, used when sending interbank transfers or wiring money from one bank to another, especially across international borders. It consists of a two-letter country code followed by two check digits and up to thirty-five alphanumeric characters.
          example: GB29NWBK60161331926819
        bic:
          type: string
          description: The Business Identifier Code (BIC), <a href="https://www.iso.org/standard/84108.html" target="_blank">ISO 9362</a>, is the SWIFT Address assigned to a bank in order to send automated payments quickly and accurately to the banks concerned. It uniquely identifies the name and country, (and sometimes the branch) of the bank involved. BICs are often called SWIFT Codes and can be either 8 or 11 characters long."
          example: BOFIIE2D
      description: Polish account details where the iban is required and the bic is optional.
    RefundsResponse:
      type: object
      properties:
        refunds:
          type: array
          items:
            $ref: '#/components/schemas/Refund'
        paging:
          $ref: '#/components/schemas/PagingInfo'
    StatusRefund:
      title: StatusRefund
      type: string
      description: The Token.io Refund Initiation Status. <ul><li> <b>INITIATION_PENDING</b> - Token.io has received the refund initiation and the initiation has passed Token.io's validation.</li><li><b>INITIATION_PROCESSING</b> - the refund is processing on the bank side. The status can be updated to one of `INITIATION_COMPLETED`, `INITIATION_REJECTED` or `INITIATION_FAILED`. If the status is not updated by the bank within a certain period of time, the status will remain as `INITIATION_PROCESSING` and the corresponding status reason information field will reflect this.</li><li><b>INITIATION_COMPLETED</b> - the refund initiation is successful. This does not guarantee the refund is settled.</li><li><b>INITIATION_REJECTED</b> - the refund is rejected by the bank. More details are shared in the corresponding status reason information.</li><li><b>INITIATION_FAILED</b> - Token.io failed to create the initiation as a result of failures on the bank side, <i>e.g.</i> the bank is not available at the moment.</li><li><b>INITIATION_NO_FINAL_STATUS_AVAILABLE</b> - The payment status has not been updated for some time and Token.io has stopped polling it. The recommended maximum polling time is 30 days. The status will change to `INITIATION_NO_FINAL_STATUS_AVAILABLE` after 30 days if the bank doesn't update the status. This is a final status, but it doesn't indicate success or failure. Please contact the bank to check the actual status of the payment.</li></ul>
      example: INITIATION_COMPLETED
      default: INITIATION_PENDING
      enum:
      - INITIATION_PENDING
      - INITIATION_PROCESSING
      - INITIATION_COMPLETED
      - INITIATION_REJECTED
      - INITIATION_FAILED
      - INITIATION_NO_FINAL_STATUS_AVAILABLE
    BankGiroAccount:
      title: BankGiroAccount
      required:
      - bankgiroNumber
      type: object
      properties:
        bankgiroNumber:
          type: string
          description: The unique identifier for the bank account in Sweden (known in Swedish as Bankgironummer), it consists of 7 or 8 digits.
          example: '56781234'
        bic:
          type: string
          description: The Business Identifier Code (BIC), <a href="https://www.iso.org/standard/84108.html" target="_blank">ISO 9362</a>, is the address assigned to a bank in order to send automated payments quickly and accurately to the banks concerned. It uniquely identifies the name and country, (and sometimes the branch) of the bank involved. BICs can be either 8 or 11 characters long.
          example: BOFIIE2D
      description: Account details where the bankgiroNumber is required and the bic is optional.
    ResolvedRefundInitiation:
      required:
      - amount
      - creditor
      - debtor
      - localInstrument
      - originalPaymentId
      - paymentType
      - refId
      type: object
      properties:
        description:
          type: string
          description: The description for the refund.
          example: refund for some reason
        refId:
          $ref: '#/components/schemas/refId'
        amount:
          $ref: '#/components/schemas/Amount'
        originalPaymentId:
          $ref: '#/components/schemas/originalPaymentId'
        registrationId:
          type: string
          description: The registraion id.
          example: regId
        localInstrument:
          type: string
          description: The bank's payment service to be used for making a payment.
          example: SEPA_INSTANT
          enum:
          - SEPA
          - SEPA_INSTANT
          - FASTER_PAYMENTS
        debtor:
          $ref: '#/components/schemas/RefundDebtorInformation'
        creditor:
          $ref: '#/components/schemas/CreditorInformation'
      description: The Initiation payload for the refund.
    FasterPaymentsAccount:
      title: FasterPaymentsAccount
      required:
      - accountNumber
      - sortCode
      type: object
      properties:
        accountNumber:
          type: string
          description: The unique identifier for the bank account in the UK or Ireland.
          example: '12345678'
        sortCode:
          type: string
          description: The number assigned to a branch of a bank, typically containing six digits and most commonly used in the UK and Ireland.
          example: '123456'
      description: A UK or Irish account where the sort code and account number are required.
    refId:
      type: string
      description: The TPP-generated reference identifier for the token. This is not to be confused with the `requestId`. The `refId` maps to the `tppRefId` in the bank's `consentRequest`. This is needed to match/verify the originating token request with the bank's consent request. <br/>We recommend that the `refId` should not contain special characters (the allowed characters are the 26-letter Latin alphabet, the numerical digits from 0-9 and the hyphen '-'). This field should not exceed 18 characters in length.
      example: 9htio4a1sp2akdr1aa
    ServerError:
      type: object
      properties:
        message:
          type: string
          description: A description of the error.
          example: This is a description of the error.
        tokenTraceId:
          type: string
          description: The trace identifier for the given call.
          example: '5678912345'
      description: 'This could refer to either an error by the payment service provider or the bank. When the bank reports a 5xx error, `"token-external-error": "true"` is set as a header in the HTTP response, indicating that the "internal" error originates from the bank. When one of the payment service providers internal services fails or when the bank reports a 4xx error, this header is not populated. The absence of this response header should be interpreted as `"token-external-error": "false"`.'
      allOf:
      - $ref: '#/components/schemas/ErrorWithCode'
    CorporateApiDebtorInformation:
      description: The debtor information.
      required:
      - accountId
      type: object
      properties:
        accountId:
          type: string
          description: The ID for the debtor settlement account.
          example: a12345
    Refund:
      required:
      - createdDateTime
      - id
      - memberId
      - status
      - updatedDateTime
      type: object
      properties:
        id:
          type: string
          description: Token.io-generated refund id.
          example: rf:12345abcd:abcd
        bankTransactionId:
          type: string
          description: The transaction id from the bank side. This can be empty if it is not available from the bank.
          example: 2UhwCZ3BMaEcAUK8bZdukor7NL4tH6TBuu6aJMp5KKfX:5zKcENpV
        memberId:
          $ref: '#/components/schemas/memberId'
        createdDateTime:
          type: string
          description: The date and time this refund object was created (in <a href="https://www.iso.org/iso-8601-date-and-time-format.html" target="_blank">ISO 8601</a> format).
          example: '2017-04-05T10:43:07.000+00:00'
        updatedDateTime:
          type: string
          description: The date and time the current status, sub status, status reason information and authentication were last updated (in <a href="https://www.iso.org/iso-8601-date-and-time-format.html" target="_blank">ISO 8601</a> format).
          example: '2017-04-05T10:45:07.000+00:00'
        status:
          $ref: '#/components/schemas/StatusRefund'
        bankPaymentStatus:
          type: string
          description: The raw bank status. This can be the <a href="https://www.iso20022.org/" target="_blank">ISO 20022</a> payment status code. See <a href="https://developer.token.io/token_rest_api_doc/content/e-rest/iso-20022-statuses.htm" target="_blank">ISO 20022 payment status codes</a> for more information. This field can be empty if no payment status is available on bank side.
          example: ACCP
        statusReasonInformation:
          type: string
          description: A human-readable description of the reason for the reported status, which may include a message from the bank. This value should not exceed 256 characters in length.
          example: The payment is settled on debtor side.
        initiation:
          $ref: '#/components/schemas/ResolvedRefundInitiation'
      description: The refund object.
    ElixirAccountCreditor:
      title: ElixirAccount
      oneOf:
      - $ref: '#/components/schemas/PLAccount'
      - $ref: '#/components/schemas/PLIbanAccount'
      description: The Elixir creditor account details.
    ServiceUnavailableError:
      required:
      - paymentId
      type: object
      properties:
        errorCode:
          example: UNAVAILABLE
        paymentId:
          type: string
          description: The service is unavailable, likely due to a transient condition; this is usually corrected with a retry.
          example: Unavailable
      description: Service is unavailable, likely due to a transient condition; this is usually corrected with a retry.
      allOf:
      - $ref: '#/components/schemas/ErrorWithCode'
    inline_response_429:
      required:
      - error
      type: object
      properties:
        error:
          $ref: '#/components/schemas/ResourceExhaustedError'
    inline_response_500:
      properties:
        error:
          allOf:
          - type: object
            properties:
              errorCode:
                type: string
                description: This is a textual error code categorising the error.
                example: InternalServerError
          - $ref: '#/components/schemas/ServerError'
    PlusGiroAccount:
      title: PlusGiroAccount
      required:
      - plusgiroNumber
      type: object
      properties:
        plusgiroNumber:
          type: string
          description: The unique identifier for the Swedish money transaction system owned by <a href="https://www.nordea.com" target="blank">Nordea</a>.
          example: '67812345'
        bic:
          type: string
          description: The Business Identifier Code (BIC), <a href="https://www.iso.org/standard/84108.html" target="_blank">ISO 9362</a>, is the SWIFT Address assigned to a bank in order to send automated payments quickly and accurately to the banks concerned. It uniquely identifies the name and country, (and sometimes the branch) of the bank involved. BICs are often called SWIFT Codes and can be either 8 or 11 characters long."
          example: BOFIIE2D
      description: Account details where the plusgiroNumber is required and the bic is optional.
    RefundInitiation:
      required:
      - amount
      - localInstrument
      - originalPaymentId
      - paymentType
      - refId
      - description
      type: object
      properties:
        description:
          type: string
          description: The description of the refund.
          example: refund for some reason
        refId:
          $ref: '#/components/schemas/refId'
        amount:
          $ref: '#/components/schemas/Amount'
        originalPaymentId:
          $ref: '#/components/schemas/originalPaymentId'
        registrationId:
          type: string
          description: The registration id.
          example: regId
        localInstrument:
          type: string
          description: The bank's payment service to be used for making a payment.
          example: SEPA_INSTANT
          enum:
          - SEPA
          - SEPA_INSTANT
          - FASTER_PAYMENTS
        onBehalfOfId:
          type: string
          description: The `onBehalfOfId` is validated against the sub-TPP id of the member before initiating the refund. This field is mandatory for unregulated TPPs.
          example: c5a863bc-86f2-4418-a26f-25b24c7983c7
        accountVerificationId:
          $ref: '#/components/schemas/AccountVerificationId'
        corporateApiDebtor:
          $ref: '#/components/schemas/CorporateApiDebtorInformation'
      description: The Initiation payload for the refund.
    ClearingNumberAccount:
      title: ClearingNumberAccount
      required:
      - bban
      type: object
      properties:
        bban:
          type: string
          description: Represents a country-specific bank account number. The BBAN is the last part of the IBAN when used for international funds transfers. Every country has its own specific BBAN format and length. At present, there is no common EU or other standard unifying the BBAN. This is why IBAN was introduced to standardise international bank transfers.
          example: NWBK60161331926819
        clearingNumber:
          type: string
          description: The bank clearing number or BC number is a number used for the identification of financial institutions in Switzerland and Liechtenstein. Bank clearing numbers are connected to the Swiss Interbank Clearing and the EuroSIC system.
          example: 87654321
      description: Account details where the bban is required and the clearing number is optional.
    EUDomesticNonEuroAccountCreditor:
      title: EUDomesticNonEuroAccount
      oneOf:
      - $ref: '#/components/schemas/EUIbanAccount'
      - $ref: '#/components/schemas/BbanAccount'
      - $ref: '#/components/schemas/ClearingNumberAccount'
      - $ref: '#/components/schemas/SENoBankIdCreditorAccount'
      description: The payment system within a European country using that country's non-Euro domestic currency. An IBAN account will require an `iban` and an optional `bic`, a BBAN account will require a `bban` and an optional `bic`, a Clearing Number account will require a `bban` and a `clearingNumber`. A

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# Full source: https://raw.githubusercontent.com/api-evangelist/token-io/refs/heads/main/openapi/token-io-refunds-api-openapi.yml