{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://developer.visa.com/schemas/visa/payment-transaction.json",
  "title": "Visa Payment Transaction",
  "description": "Schema representing a Visa payment transaction including push funds, pull funds, and card payment operations across Visa Direct and other Visa payment APIs.",
  "type": "object",
  "required": [
    "systemsTraceAuditNumber",
    "retrievalReferenceNumber",
    "acquiringBin",
    "acquirerCountryCode",
    "transactionCurrencyCode",
    "amount"
  ],
  "properties": {
    "systemsTraceAuditNumber": {
      "type": "string",
      "description": "A unique six-digit value assigned by the acquirer to identify a transaction",
      "pattern": "^\\d{6}$",
      "maxLength": 6
    },
    "retrievalReferenceNumber": {
      "type": "string",
      "description": "A 12-character value used to identify a transaction uniquely within the acquirer system",
      "maxLength": 12
    },
    "acquiringBin": {
      "type": "string",
      "description": "Bank Identification Number (BIN) of the acquiring financial institution",
      "pattern": "^\\d{6,11}$"
    },
    "acquirerCountryCode": {
      "type": "string",
      "description": "ISO 3166-1 numeric country code of the acquiring institution",
      "pattern": "^\\d{3}$"
    },
    "transactionCurrencyCode": {
      "type": "string",
      "description": "ISO 4217 numeric currency code for the transaction",
      "pattern": "^\\d{3}$"
    },
    "amount": {
      "type": "number",
      "description": "Transaction amount in the specified currency",
      "minimum": 0
    },
    "primaryAccountNumber": {
      "type": "string",
      "description": "Primary Account Number (PAN) of the Visa card",
      "minLength": 13,
      "maxLength": 19
    },
    "cardExpiryDate": {
      "type": "string",
      "description": "Card expiration date in YYYY-MM format",
      "pattern": "^\\d{4}-(0[1-9]|1[0-2])$"
    },
    "transactionIdentifier": {
      "type": "integer",
      "description": "Unique transaction identifier assigned by VisaNet"
    },
    "actionCode": {
      "type": "string",
      "description": "Response action code indicating the result of the transaction",
      "maxLength": 2
    },
    "approvalCode": {
      "type": "string",
      "description": "Authorization approval code from the card issuer",
      "maxLength": 6
    },
    "responseCode": {
      "type": "string",
      "description": "Response code from the issuer indicating transaction outcome",
      "maxLength": 2
    },
    "transmissionDateTime": {
      "type": "string",
      "description": "Date and time of the transaction transmission in MMDDHHmmss format"
    },
    "businessApplicationId": {
      "type": "string",
      "description": "Identifies the business use case for the transaction",
      "enum": [
        "AA", "BB", "BI", "BP", "CI", "CP", "FD", "GD",
        "GP", "LO", "MD", "MP", "OG", "PD", "PP", "PS", "TL", "WT"
      ]
    },
    "cardAcceptor": {
      "$ref": "#/$defs/CardAcceptor"
    },
    "sender": {
      "$ref": "#/$defs/TransactionParty"
    },
    "recipient": {
      "$ref": "#/$defs/TransactionParty"
    }
  },
  "$defs": {
    "CardAcceptor": {
      "type": "object",
      "description": "Information about the card acceptor (merchant) involved in the transaction",
      "properties": {
        "name": {
          "type": "string",
          "description": "Name of the card acceptor or merchant"
        },
        "terminalId": {
          "type": "string",
          "description": "Terminal identifier at the point of sale",
          "maxLength": 8
        },
        "idCode": {
          "type": "string",
          "description": "Card acceptor identification code",
          "maxLength": 15
        },
        "address": {
          "$ref": "#/$defs/Address"
        }
      }
    },
    "TransactionParty": {
      "type": "object",
      "description": "Information about a sender or recipient in a funds transfer",
      "properties": {
        "name": {
          "type": "string",
          "description": "Full name of the party"
        },
        "accountNumber": {
          "type": "string",
          "description": "Account number of the party"
        },
        "address": {
          "type": "string",
          "description": "Street address of the party"
        },
        "city": {
          "type": "string",
          "description": "City of the party"
        },
        "countryCode": {
          "type": "string",
          "description": "ISO 3166-1 numeric country code",
          "pattern": "^\\d{3}$"
        }
      }
    },
    "Address": {
      "type": "object",
      "description": "Physical address information",
      "properties": {
        "country": {
          "type": "string",
          "description": "Country code"
        },
        "state": {
          "type": "string",
          "description": "State or province code"
        },
        "city": {
          "type": "string",
          "description": "City name"
        },
        "zipCode": {
          "type": "string",
          "description": "Postal or ZIP code"
        }
      }
    }
  }
}