NMI · Schema
ACH - Credit
PaymentsPayment GatewayPayment ProcessingTokenizationRecurring BillingCustomer VaultFintechEmbedded PaymentsPayment Facilitation
JSON Schema
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$id": "https://raw.githubusercontent.com/api-evangelist/nmi/main/json-schema/nmi-achcredit-request-schema.json",
"title": "ACH - Credit",
"x-generated": "2026-10-14",
"x-method": "derived",
"x-generator": "derive-json-schema.py",
"x-source": "openapi/nmi-payments-openapi.yml#/components/schemas/ACHCreditRequest",
"allOf": [
{
"type": "object",
"required": [
"type",
"checkname",
"checkaba",
"checkaccount",
"payment",
"security_key"
],
"properties": {
"security_key": {
"$ref": "#/$defs/SecurityKey"
},
"type": {
"type": "string",
"enum": [
"credit"
],
"description": "The type of transaction to be processed. Note that credits need to be enabled."
},
"payment": {
"type": "string",
"description": "The type of payment.",
"enum": [
"check",
"cash"
]
}
}
},
{
"additionalProperties": {
"type": "string",
"description": "Up to 20 `merchant_defined_field_#` are allowed."
}
},
{
"$ref": "#/$defs/ACH"
},
{
"$ref": "#/$defs/Amount"
},
{
"$ref": "#/$defs/BaseTransaction"
},
{
"type": "object",
"properties": {
"social_security_number": {
"type": "string",
"description": "Customer's social security number, checked against bad check writers database if check verification is enabled."
}
}
},
{
"$ref": "#/$defs/SignatureImage"
}
],
"$defs": {
"ACH": {
"type": "object",
"properties": {
"checkname": {
"type": "string",
"description": "The name on the customer's ACH account."
},
"checkaba": {
"type": "string",
"minLength": 9,
"maxLength": 9,
"description": "The customer's bank routing number."
},
"checkaccount": {
"type": "string",
"description": "The customer's bank account number."
},
"account_holder_type": {
"type": "string",
"enum": [
"business",
"personal"
],
"description": "The type of ACH account the customer has."
},
"account_type": {
"type": "string",
"enum": [
"checking",
"savings"
],
"description": "The type of ACH account the customer has."
},
"sec_code": {
"type": "string",
"enum": [
"PPD",
"WEB",
"TEL",
"CCD"
],
"description": "The Standard Entry Class code of the ACH transaction."
}
}
},
"Amount": {
"type": "object",
"properties": {
"amount": {
"type": "string",
"description": "Total amount to be charged.\n \nFormat: `x.xx`"
}
}
},
"BaseTransaction": {
"allOf": [
{
"type": "object",
"properties": {
"payment_token": {
"type": "string",
"description": "The tokenized version of the customer's card or check information, generated by the [Payment Component](../docs/payment-component) (npm packages / [Gateway.js](https://secure.networkmerchants.com/merchants/resources/integration/integration_portal.php#gjs_methodology)) and usable only once. Existing integrations may also supply a token from [Collect.js](https://secure.networkmerchants.com/merchants/resources/integration/integration_portal.php#cjs_methodology)."
},
"transaction_session_id": {
"type": "string",
"minLength": 32,
"maxLength": 32,
"description": "A single use session ID used by Kount to link the transaction and Data Collector information together.\n\n* Should be generated every time a payment form is loaded by the cardholder.\n* Should be random/unpredictable (do not use sequential IDs).\n* Should not be reused within a 30 day period.\n\nThis can be used with [Collect.js](https://secure.networkmerchants.com/merchants/resources/integration/integration_portal.php#cjs_methodology) or the Payment API when using the [Kount DDC with Gateway.js](https://secure.networkmerchants.com/merchants/resources/integration/integration_portal.php#gjs_methodology).\n\nFormat: `alphanumeric`"
},
"applepay_payment_data": {
"type": "string",
"description": "The encrypted token created when integration directly to the Apple Pay SDK."
},
"googlepay_payment_data": {
"type": "string",
"description": "The encrypted token created when [integration directly to the Google Pay SDK](https://secure.networkmerchants.com/merchants/resources/integration/integration_portal.php#googlepay_variables)."
},
"surcharge": {
"type": "string",
"description": "Surcharge amount.\n \nFormat: `x.xx`"
},
"convenience_fee": {
"type": "string",
"description": "Convenience fee amount.\n \nFormat: `x.xx`"
},
"misc_fee": {
"type": "string",
"description": "Miscellaneous fee amount.\n \nFormat: `x.xx`"
},
"misc_fee_name": {
"type": "string",
"description": "Custom miscellaneous fee name.\n \nDefault: `Miscellaneous Fee`"
},
"tip": {
"type": "number",
"description": "The final tip amount, included in the transaction, associated with the purchase.\n \nFormat: `x.xx`"
},
"currency": {
"type": "string",
"description": "The transaction currency.\n \nFormat: `ISO 4217`"
},
"processor_id": {
"type": "string",
"description": "If using Multiple MIDs, route to this processor (*processor_id* is obtained under Settings → Transaction Routing in the Control Panel)."
},
"dup_seconds": {
"type": "integer",
"maximum": 7862400,
"description": "Sets the time in seconds for duplicate transaction checking on supported processors. Set to *0* to disable duplicate checking."
}
}
},
{
"$ref": "#/$defs/Descriptor"
},
{
"type": "object",
"properties": {
"billing_method": {
"type": "string",
"enum": [
"initial_recurring",
"recurring",
"installment"
],
"description": "Recurring or installment classification for the processor.\n\n- `initial_recurring`: First transaction in a recurring sequence only.\n- `recurring`: Later charges in that sequence.\n- `installment`: Installment transactions; use `billing_number` and `billing_total` on supported processors.\n\nWhich values apply depends on the processor."
},
"billing_number": {
"type": "integer",
"minimum": 0,
"maximum": 99,
"description": "Specify installment billing number, on supported processors. For use when `billing_method` is set to \"installment\"."
},
"billing_total": {
"type": "string",
"description": "Specify installment billing total on supported processors. For use when `billing_method` is set to \"installment\"."
},
"order_template": {
"type": "string",
"description": "Order template ID."
},
"order_description": {
"type": "string",
"description": "Order description."
},
"orderid": {
"type": "string",
"description": "Order Id."
},
"ipaddress": {
"type": "string",
"description": "IP address of cardholder, this field is recommended.\n \nFormat: `xxx.xxx.xxx.xxx`"
}
}
},
{
"type": "object",
"properties": {
"first_name": {
"type": "string",
"description": "Cardholder's first name."
},
"last_name": {
"type": "string",
"description": "Cardholder's last name"
},
"company": {
"type": "string",
"description": "Cardholder's company"
},
"address1": {
"type": "string",
"description": "Card billing address"
},
"address2": {
"type": "string",
"description": "Card billing address, line 2"
},
"city": {
"type": "string",
"description": "Card billing city"
},
"state": {
"type": "string",
"description": "Card billing state.\n \nFormat: `CC`"
},
"zip": {
"type": "string",
"description": "Card billing zip code"
},
"country": {
"type": "string",
"description": "Card billing country. *Country codes are as shown in ISO 3166-1 alpha-2*.\n \nFormat: `CC`"
},
"phone": {
"type": "string",
"description": "Billing phone number"
},
"fax": {
"type": "string",
"description": "Billing fax number"
},
"email": {
"type": "string",
"format": "email",
"description": "Billing email address"
}
}
},
{
"$ref": "#/$defs/DriversLicense"
},
{
"$ref": "#/$defs/Shipping"
},
{
"$ref": "#/$defs/MerchantDefinedField"
},
{
"type": "object",
"properties": {
"customer_receipt": {
"type": "string",
"enum": [
"true",
"false"
],
"description": "If set to true, when the customer is charged, they will be sent a transaction receipt."
},
"cardholder_auth": {
"type": "string",
"enum": [
"verified",
"attempted"
],
"description": "Set 3D Secure condition. Value used to determine E-commerce indicator (ECI).\n \n**Required for 3D Secure transactions**"
},
"cavv": {
"type": "string",
"description": "Cardholder authentication verification value.\n \nFormat: `base64 encoded` **Required for 3D Secure transactions**"
},
"xid": {
"type": "string",
"description": "Cardholder authentication transaction id.\n \nFormat: `base64 encoded` **Required for 3D Secure transactions**"
},
"three_ds_version": {
"type": "string",
"enum": [
"2.0.0",
"2.2.0"
],
"description": "3DSecure version. **Required for 3D Secure transactions**"
},
"directory_server_id": {
"type": "string",
"description": "Directory Server Transaction ID. May be provided as part of 3DSecure 2.0 authentication.\n \nFormat: `xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx`"
},
"source_transaction_id": {
"type": "string",
"description": "Specifies a payment gateway transaction id in order to associate payment information with a Subscription or Customer Vault record. Must be set with a 'recurring' or 'customer_vault' action."
},
"pinless_debit_override": {
"type": "string",
"description": "Set to 'Y' if you have Pinless Debit Conversion enabled but want to opt out for this transaction. Feature applies to selected processors only."
}
}
},
{
"type": "object",
"properties": {
"recurring": {
"type": "string",
"enum": [
"add_subscription"
],
"description": "**Recurring Field:** Recurring action to be processed.",
"x-group-key": "Recurring"
},
"plan_id": {
"type": "string",
"description": "**Recurring Field:** Create a subscription tied to a Plan ID if the sale/auth transaction is successful.\n\nRequired when **recurring** variable is set to `add_subscription`",
"x-group-key": "Recurring"
},
"plan_payments": {
"type": "integer",
"description": "**Recurring Field:** The number of payments before the recurring plan is complete.\n\nNote: Use '0' for until canceled\n\nRequired when **recurring** variable is set to `add_subscription`",
"x-group-key": "Recurring"
},
"plan_amount": {
"type": "number",
"description": "**Recurring Field:** The plan amount to be charged each billing cycle.\n\nFormat: `x.xx`\n\nRequired when **recurring** variable is set to `add_subscription`",
"x-group-key": "Recurring"
},
"month_frequency": {
"type": "integer",
"minimum": 1,
"maximum": 24,
"description": "**Recurring Field:** How often, in months, to charge the customer. Cannot be set with 'day_frequency'. Must be set with 'day_of_month'. \n\nRequired when **recurring** variable is set to `add_subscription`",
"x-group-key": "Recurring"
},
"day_of_month": {
"type": "integer",
"minimum": 1,
"maximum": 31,
"description": "**Recurring Field:** The day that the customer will be charged. Cannot be set with 'day_frequency'. Must be set with 'month_frequency'. For months without 29, 30, or 31 days, the charge will be on the last day\n\nRequired when **recurring** variable is set to `add_subscription`",
"x-group-key": "Recurring"
},
"day_frequency": {
"type": "integer",
"description": "**Recurring Field:** How often, in days, to charge the customer. Cannot be set with 'month_frequency' or 'day_of_month'.\n\nRequired when **recurring** variable is set to `add_subscription`",
"x-group-key": "Recurring"
},
"start_date": {
"type": "string",
"format": "date",
"description": "**Recurring Field:** The first day that the customer will be charged.\n\nFormat: `YYYYMMDD`\n\nRequired when **recurring** variable is set to `add_subscription`",
"x-group-key": "Recurring"
}
}
},
{
"$ref": "#/$defs/CustomerVaultFields"
},
{
"$ref": "#/$defs/StoredCredentialsFields"
},
{
"$ref": "#/$defs/LevelThreeOrderFields"
},
{
"$ref": "#/$defs/LevelThreeLineItemDetailFields"
},
{
"$ref": "#/$defs/PaymentFacilitatorFields"
}
]
},
"CustomerVaultFields": {
"type": "object",
"properties": {
"customer_vault": {
"type": "string",
"enum": [
"add_customer",
"update_customer"
],
"description": "Associate payment information with a Customer Vault record if the transaction is successful.",
"x-group-key": "Customer Vault"
},
"customer_vault_id": {
"type": "string",
"description": "Specifies a Customer Vault id. If not set, the payment gateway will randomly generate a Customer Vault id.",
"x-group-key": "Customer Vault"
}
}
},
"Descriptor": {
"type": "object",
"properties": {
"descriptor": {
"type": "string",
"description": "Set payment descriptor on supported processors."
},
"descriptor_phone": {
"type": "string",
"description": "Set payment descriptor phone on supported processors."
},
"descriptor_address": {
"type": "string",
"description": "Set payment descriptor address on supported processors."
},
"descriptor_city": {
"type": "string",
"description": "Set payment descriptor city on supported processors."
},
"descriptor_state": {
"type": "string",
"description": "Set payment descriptor state on supported processors."
},
"descriptor_postal": {
"type": "string",
"description": "Set payment descriptor postal code on supported processors."
},
"descriptor_country": {
"type": "string",
"description": "Set payment descriptor country on supported processors."
},
"descriptor_mcc": {
"type": "string",
"description": "Set payment descriptor mcc on supported processors."
},
"descriptor_merchant_id": {
"type": "string",
"description": "Set payment descriptor merchant id on supported processors."
},
"descriptor_url": {
"type": "string",
"description": "Set payment descriptor url on supported processors."
}
}
},
"DriversLicense": {
"type": "object",
"properties": {
"drivers_license_number": {
"type": "string",
"description": "Driver's license number."
},
"drivers_license_dob": {
"type": "string",
"description": "Driver's license date of birth."
},
"drivers_license_state": {
"type": "string",
"description": "The state that issued the customer's driver's license."
}
}
},
"LevelThreeLineItemDetailFields": {
"type": "object",
"properties": {
"item_product_code_1": {
"type": "string",
"description": "**Level III - Line Item:** Merchant defined description code of the item being purchased.\n\n*Up to 99 sets of item_* fields are allowed.*",
"x-group-key": "Level III - Line Item(s)"
},
"item_description_1": {
"type": "string",
"description": "**Level III - Line Item:** Description of the item(s) being supplied.",
"x-group-key": "Level III - Line Item(s)"
},
"item_commodity_code_1": {
"type": "string",
"description": "**Level III - Line Item:** International description code of the individual good or service being supplied. The acquirer or processor will provide a list of current codes.",
"x-group-key": "Level III - Line Item(s)"
},
"item_unit_of_measure_1": {
"type": "string",
"description": "**Level III - Line Item:** Code for units of measurement as used in international trade. Default - `EACH`.",
"x-group-key": "Level III - Line Item(s)"
},
"item_unit_cost_1": {
"type": "number",
"description": "**Level III - Line Item:** Unit cost of item purchased, may contain up to 4 decimal places.",
"x-group-key": "Level III - Line Item(s)"
},
"item_quantity_1": {
"type": "integer",
"description": "**Level III - Line Item:** Quantity of the item(s) being purchased. Default - `1`.",
"x-group-key": "Level III - Line Item(s)"
},
"item_total_amount_1": {
"type": "number",
"description": "**Level III - Line Item:** Purchase amount associated with the item. Defaults to: 'item_unit_cost_#' x 'item_quantity_#' rounded to the nearest penny.",
"x-group-key": "Level III - Line Item(s)"
},
"item_tax_amount_1": {
"type": "number",
"description": "**Level III - Line Item:** Amount of sales tax on specific item. Amount should not be included in 'total_amount_#'. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Line Item(s)"
},
"item_tax_rate_1": {
"type": "number",
"description": "**Level III - Line Item:** Percentage representing the value-added tax applied. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Line Item(s)"
},
"item_discount_amount_1": {
"type": "number",
"description": "**Level III - Line Item:** Discount amount which can have been applied by the merchant on the sale of the specific item. Amount should not be included in 'total_amount_#'.",
"x-group-key": "Level III - Line Item(s)"
},
"item_discount_rate_1": {
"type": "number",
"description": "**Level III - Line Item:** Discount rate for the line item. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Line Item(s)"
},
"item_tax_type_1": {
"type": "string",
"description": "**Level III - Line Item:** Type of value-added taxes that are being used.",
"x-group-key": "Level III - Line Item(s)"
},
"item_alternate_tax_id_1": {
"type": "string",
"description": "**Level III - Line Item:** Tax identification number of the merchant that reported the alternate tax amount.",
"x-group-key": "Level III - Line Item(s)"
}
}
},
"LevelThreeOrderFields": {
"type": "object",
"properties": {
"shipping": {
"type": "number",
"description": "**Level II/III - Order Field:** Freight or shipping amount included in the transaction amount. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Order"
},
"tax": {
"type": "number",
"description": "**Level II/III - Order Field:** The sales tax, included in the transaction amount, associated with the purchase. Setting tax equal to '-1' indicates an order that is exempt from sales tax. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Order"
},
"ponumber": {
"type": "string",
"description": "**Level II/III - Order Field:** Purchase order number",
"x-group-key": "Level III - Order"
},
"orderid": {
"type": "string",
"description": "**Level III - Order Field:** Identifier assigned by the merchant. This defaults to gateway transaction id.",
"x-group-key": "Level III - Order"
},
"shipping_country": {
"type": "string",
"description": "**Level III - Order Field:** Shipping country (e.g. US).\n \nFormat: `CC` - ISO 3166-1 alpha-2",
"x-group-key": "Level III - Order"
},
"shipping_postal": {
"type": "string",
"description": "**Level III - Order Field:** Postal/ZIP code of the address where purchased goods will be delivered. This field can be identical to the 'ship_from_postal' if the customer is present and takes immediate possession of the goods.",
"x-group-key": "Level III - Order"
},
"ship_from_postal": {
"type": "string",
"description": "**Level III - Order Field:** Postal/ZIP code of the address from where purchased goods are being shipped, defaults to merchant profile postal code.",
"x-group-key": "Level III - Order"
},
"summary_commodity_code": {
"type": "string",
"description": "**Level III - Order Field:** 4 character international description code of the overall goods or services being supplied. The acquirer or processor will provide a list of current codes.",
"x-group-key": "Level III - Order"
},
"duty_amount": {
"type": "number",
"description": "**Level III - Order Field:** Amount included in the transaction amount associated with the import of purchased goods. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Order"
},
"discount_amount": {
"type": "number",
"description": "**Level III - Order Field:** Amount included in the transaction amount of any discount applied to complete order by the merchant. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Order"
},
"national_tax_amount": {
"type": "number",
"description": "**Level III - Order Field:** The national tax amount included in the transaction amount. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Order"
},
"alternate_tax_amount": {
"type": "number",
"description": "**Level III - Order Field:** Second tax amount included in the transaction amount in countries where more than one type of tax can be applied to the purchases. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Order"
},
"alternate_tax_id": {
"type": "string",
"description": "**Level III - Order Field:** Tax identification number of the merchant that reported the alternate tax amount.",
"x-group-key": "Level III - Order"
},
"vat_tax_amount": {
"type": "number",
"description": "**Level III - Order Field:** Contains the amount of any value added taxes which can be associated with the purchased item. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Order"
},
"vat_tax_rate": {
"type": "number",
"description": "**Level III - Order Field:** Contains the tax rate used to calculate the sales tax amount appearing. Can contain up to 2 decimal places, e.g. 1% = 1.00. Default - `0.00`.\n\nFormat: `x.xx`",
"x-group-key": "Level III - Order"
},
"vat_invoice_reference_number": {
"type": "string",
"description": "**Level III - Order Field:** Invoice number that is associated with the VAT invoice.",
"x-group-key": "Level III - Order"
},
"customer_vat_registration": {
"type": "string",
"description": "**Level III - Order Field:** Value added tax registration number supplied by the cardholder.",
"x-group-key": "Level III - Order"
},
"merchant_vat_registration": {
"type": "string",
"description": "**Level III - Order Field:** Government assigned tax identification number of the merchant for whom the goods or services were purchased from.",
"x-group-key": "Level III - Order"
},
"order_date": {
"type": "string",
"format": "date",
"description": "**Level III - Order Field:** Purchase order date, defaults to the date of the transaction.\n\nFormat: `YYMMDD`",
"x-group-key": "Level III - Order"
}
}
},
"MerchantDefinedField": {
"type": "object",
"properties": {
"merchant_defined_field_1": {
"type": "string",
"description": "Merchant defined field. You can pass custom information in up to 20 fields.\n\nFormat: `merchant_defined_field_1=Value1`, `merchant_defined_field_2=Value2`, etc..."
}
}
},
"PaymentFacilitatorFields": {
"type": "object",
"properties": {
"payment_facilitator_id": {
"type": "string",
"description": "**Payment Facilitator:** Payment Facilitator/Aggregator/ISO's ID Number",
"x-group-key": "Payment Facilitator"
},
"submerchant_id": {
"type": "string",
"description": "**Payment Facilitator:** Sub-merchant Account ID",
"x-group-key": "Payment Facilitator"
},
"submerchant_name": {
"type": "string",
"description": "**Payment Facilitator:** Sub-merchant's Name",
"x-group-key": "Payment Facilitator"
},
"submerchant_address": {
"type": "string",
"description": "**Payment Facilitator:** Sub-merchant's Address",
"x-group-key": "Payment Facilitator"
},
"submerchant_city": {
"type": "string",
"description": "**Payment Facilitator:** Sub-merchant's City",
"x-group-key": "Payment Facilitator"
},
"submerchant_state": {
"type": "string",
"description": "**Payment Facilitator:** Sub-merchant's State",
"x-group-key": "Payment Facilitator"
},
"submerchant_postal": {
"type": "string",
"description": "**Payment Facilitator:** Sub-merchant's Zip/Postal Code",
"x-group-key": "Payment Facilitator"
},
"submerchant_country": {
"type": "string",
"description": "**Payment Facilitator:** Sub-merchant's Country",
"x-group-key": "Payment Facilitator"
},
"submerchant_phone": {
"type": "string",
"description": "**Payment Facilitator:** Sub-merchant's Phone Number",
"x-group-key": "Payment Facilitator"
},
"submerchant_email": {
"type": "string",
"format": "email",
"description": "**Payment Facilitator:** Sub-merchant's Email Address",
"x-group-key": "Payment Facilitator"
}
}
},
"SecurityKey": {
"type": "string",
"description": "API Security Key assigned to a merchant account. New keys can be generated from the merchant control panel in Settings > Security Keys"
},
"Shipping": {
"type": "object",
"properties": {
"shipping_firstname": {
"type": "string",
"description": "Shipping first name"
},
"shipping_lastname": {
"type": "string",
"description": "Shipping last name"
},
"shipping_company": {
"type": "string",
"description": "Shipping company"
},
"shipping_address1": {
"type": "string",
"description": "Shipping address"
},
"shipping_address2": {
"type": "string",
"description": "Shipping address, line 2"
},
"shipping_city": {
"type": "string",
"description": "Shipping city"
},
"shipping_state": {
"type": "string",
"description": "Shipping state.\n \nFormat: `CC`"
},
"shipping_zip": {
"type": "string",
"description": "Shipping zip code"
},
"shipping_country": {
"type": "string",
"description": "Shipping country. *Country codes are as shown in ISO 3166-1 alpha-2*.\n \nFormat: `CC`"
},
"shipping_email": {
"type": "string",
"format": "email",
"description": "Shipping email address"
}
}
},
"SignatureImage": {
"type": "object",
"properties": {
"signature_image": {
"type": "string",
"description": "Cardholder signature image.\n \nFormat: `base64 encoded raw PNG image. (16kiB maximum)`"
}
}
},
"StoredCredentialsFields": {
"type": "object",
"properties": {
"initiated_by": {
"type": "string",
"enum": [
"customer",
"merchant"
],
"description": "**Stored Credentials (CIT/MIT):** Who initiated the transaction."
},
"initial_transaction_id": {
"type": "string",
"description": "**Stored Credentials (CIT/MIT):** Original payment gateway transaction id."
},
"stored_credential_indicator": {
"type": "string",
"enum": [
"stored",
"used"
],
"description": "**Stored Credentials (CIT/MIT):** The indicator of the stored credential.\n\nUse **'stored'** when processing the initial transaction
# --- truncated at 32 KB (32 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/nmi/refs/heads/main/json-schema/nmi-achcredit-request-schema.json
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