{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "$id": "https://api.stitch.money/schema/payment",
  "title": "Stitch Payment Initiation Request",
  "description": "A payment initiation request created via the Stitch API.",
  "type": "object",
  "properties": {
    "id": {
      "type": "string",
      "description": "Unique payment request identifier."
    },
    "url": {
      "type": "string",
      "format": "uri",
      "description": "URL to redirect the payer for payment completion."
    },
    "status": {
      "type": "string",
      "enum": ["Pending", "Complete", "Cancelled", "Error"],
      "description": "Current status of the payment request."
    },
    "amount": {
      "$ref": "#/definitions/MoneyAmount"
    },
    "payerReference": {
      "type": "string",
      "description": "Reference shown to the payer in their banking app."
    },
    "beneficiaryReference": {
      "type": "string",
      "description": "Reference shown on the beneficiary bank statement."
    },
    "created": {
      "type": "string",
      "format": "date-time",
      "description": "Payment request creation timestamp."
    }
  },
  "required": ["id", "status"],
  "definitions": {
    "MoneyAmount": {
      "type": "object",
      "properties": {
        "quantity": {
          "type": "string",
          "description": "Amount as a decimal string.",
          "examples": ["100.00", "1500.50"]
        },
        "currency": {
          "type": "string",
          "enum": ["ZAR", "NGN"],
          "description": "ISO 4217 currency code."
        }
      },
      "required": ["quantity", "currency"]
    }
  }
}