> ## Documentation Index
> Fetch the complete documentation index at: https://docs.natural.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> When building application code, use `@naturalpay/sdk` for TypeScript or `naturalpay` for Python.
> When operating Natural directly for a user, use the payments MCP at `https://mcp.natural.com`.
> When searching Natural documentation, use the docs MCP at `https://docs.natural.com/mcp`.
> Use the Natural CLI for terminal and CI automation.
> Use REST only for unsupported languages or when the user explicitly requests raw HTTP.
> Start integration development and testing in the sandbox. Do not use production unless the user explicitly requests it.
> For sandbox requests that require `customerPartyId`, list customers first. Reuse only the intended fixture; otherwise create a customer.
> REST and SDK amounts use integer minor units. Payments MCP amounts use decimal strings with a required currency code.

# Deny payment or transfer

> Deny the operation under review



## OpenAPI

````yaml /api-reference/openapi.json post /approvals/{approvalId}/deny
openapi: 3.1.1
info:
  title: Natural API
  version: 0.2.0
  description: >-
    Natural's payments API for autonomous agents.


    **Base URL:** `https://api.natural.com`


    AI agents, including coding agents, should prefer the hosted MCP server at
    `https://mcp.natural.com` when an MCP-aware host runs the agent, the Natural
    CLI for terminal/CI workflows, and the official SDKs for application
    runtimes they own. Use direct HTTP only for explicit low-level integrations,
    unsupported SDK gaps, or infrastructure work where REST is required.


    For support: support@natural.com
servers:
  - url: https://api.natural.com
    description: Production
security: []
tags:
  - name: Agents
    description: Agent management
  - name: Customers
    description: Customer management
  - name: Invitation Links
    description: Shareable links that offer your agents to customers
  - name: Payments
    description: Payment management
  - name: Payment Intents
    description: Accept card payments by link or voice
  - name: Card Payments
    description: Card payment attempts
  - name: Voice
    description: Collect a payment intent over a phone call
  - name: Refunds
    description: Return card payments to the payer
  - name: Chargebacks
    description: Respond to card payment chargebacks
  - name: Transactions
    description: Transaction activity and history
  - name: Transfers
    description: Deposits and withdrawals
  - name: PaymentRequests
    description: Payment request management
  - name: Approvals
    description: Approval review
  - name: Invitations
    description: Party invitation management
  - name: Parties
    description: Party and organization management
  - name: Wallets
    description: Wallet management
  - name: External Accounts
    description: Linked external bank accounts
  - name: External Parties
    description: Third parties with whom you transact over Direct
  - name: External Party Accounts
    description: Banking details belonging to external parties not on Natural
  - name: ACH
    description: Make ACH payments to external party accounts
  - name: Realtime
    description: Make realtime payments to external party accounts
  - name: Wire
    description: Send domestic wires to external party accounts
  - name: API Keys
    description: API key management
  - name: Agent Keys
    description: Agent key management
  - name: Card Sessions
    description: Let agents pay with a card without seeing the real card number
  - name: Agent Tokens
    description: Let agents spend from a mandate without seeing the real card number
  - name: Agent Cards
    description: Cards an agent requests for one purchase at one merchant
  - name: Card Transactions
    description: Purchases and refunds on Natural-issued cards
  - name: Webhooks
    description: Webhook endpoint management
  - name: Events
    description: Webhook event log
  - name: Simulations
    description: Sandbox-only simulation controls
paths:
  /approvals/{approvalId}/deny:
    post:
      tags:
        - Approvals
      summary: Deny payment or transfer
      description: Deny the operation under review
      operationId: approvals.deny
      parameters:
        - name: approvalId
          in: path
          required: true
          schema:
            type: string
            pattern: ^apr_[0-9a-f]{32}$
            description: Approval ID (apr_*).
        - name: Idempotency-Key
          in: header
          required: true
          schema:
            type: string
            maxLength: 255
          description: >-
            Unique key for safely retrying a request without creating
            duplicates.
        - name: X-Instance-ID
          in: header
          required: false
          schema:
            anyOf:
              - type: string
                maxLength: 1024
              - type: 'null'
          description: >-
            Caller-chosen identifier for the agent run, session, or
            conversation, required when an agent moves money.
      requestBody:
        required: false
        content:
          application/json:
            schema:
              type: object
              properties:
                data:
                  type: object
                  properties:
                    attributes:
                      type: object
                      properties:
                        reason:
                          type: string
                          minLength: 1
                          maxLength: 500
                          description: >-
                            Why the approval was denied, recorded on the
                            approval for audit. Maximum 500 characters.
                      additionalProperties: false
                  required:
                    - attributes
                  additionalProperties: false
                  description: >-
                    Denial details. Send empty attributes to deny without a
                    reason.
              additionalProperties: false
            examples:
              default:
                summary: Default
                value:
                  data:
                    attributes:
                      reason: Invoice does not match the vendor's bank account on file
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: object
                    properties:
                      type:
                        description: Resource type. Always `approval`.
                        type: string
                        enum:
                          - approval
                      id:
                        type: string
                        description: Approval ID (apr_*).
                      attributes:
                        type: object
                        properties:
                          status:
                            enum:
                              - pending
                              - approved
                              - denied
                              - canceled
                            type: string
                            description: Approval status.
                          target:
                            type: object
                            properties:
                              type:
                                enum:
                                  - payment
                                  - paymentRequest
                                  - deposit
                                  - withdrawal
                                  - ach
                                  - realtime
                                  - wire
                                  - check
                                type: string
                                description: Type of operation under approval.
                              id:
                                type: string
                                description: >-
                                  Public ID of the operation under approval.
                                  Legacy payment-request approvals reference the
                                  parent payment request (prq_), never an
                                  internal fulfillment.
                            required:
                              - type
                              - id
                            additionalProperties: false
                            description: Operation that needs approval.
                          payment:
                            anyOf:
                              - type: object
                                properties:
                                  amount:
                                    type: integer
                                    description: Amount in cents.
                                  currency:
                                    type: string
                                    description: Currency code.
                                required:
                                  - amount
                                  - currency
                                additionalProperties: false
                              - type: 'null'
                            description: >-
                              Amount of the operation under review. Null when
                              the underlying amount is unavailable.
                          fee:
                            anyOf:
                              - type: object
                                properties:
                                  amount:
                                    type: integer
                                    exclusiveMinimum: 0
                                    description: Fee amount in cents.
                                  currency:
                                    enum:
                                      - USD
                                    type: string
                                    description: Currency of the fee.
                                  payer:
                                    description: Party role charged the fee.
                                    type: string
                                    enum:
                                      - sender
                                  applied:
                                    description: >-
                                      The fee is added to the sender's cost
                                      without reducing the principal amount.
                                    type: string
                                    enum:
                                      - on_top
                                required:
                                  - amount
                                  - currency
                                  - payer
                                  - applied
                                additionalProperties: false
                                title: SenderOnTopFee
                              - type: 'null'
                            description: >-
                              Fee the sender pays on top of `payment.amount`.
                              Before the operation is submitted, including just
                              after approval, a quote at the price in effect
                              when it was created. After, the same fee the
                              operation's own resource reports. Null when no fee
                              applies, including denied or canceled approvals,
                              operations that ended before submission, and
                              operations whose own resource hides the fee. Also
                              null when Billing can't quote the fee at read
                              time; the fee still applies when the operation is
                              submitted.
                          reasons:
                            type: array
                            items:
                              anyOf:
                                - type: object
                                  properties:
                                    type:
                                      description: Reason type. Always `limitExceeded`.
                                      type: string
                                      enum:
                                        - limitExceeded
                                    limitType:
                                      enum:
                                        - perTransactionAmount
                                        - dailyAmount
                                        - monthlyAmount
                                      type: string
                                      description: Type of limit that was exceeded.
                                    limitAmount:
                                      type: integer
                                      description: Configured limit amount in cents.
                                    actualAmount:
                                      type: integer
                                      description: >-
                                        Amount that exceeded the limit, in
                                        cents.
                                    currency:
                                      type: string
                                      description: Currency code.
                                  required:
                                    - type
                                    - limitType
                                    - limitAmount
                                    - actualAmount
                                    - currency
                                  additionalProperties: false
                            description: Reasons this approval is under review.
                          customer:
                            anyOf:
                              - type: object
                                properties:
                                  id:
                                    type: string
                                    pattern: ^pty_[0-9a-f]{32}$
                                    description: >-
                                      Customer party (pty_*) whose wallet a
                                      delegated payment spends from.
                                  name:
                                    anyOf:
                                      - type: string
                                      - type: 'null'
                                    description: >-
                                      Display name of the customer party, or
                                      null when unresolved.
                                required:
                                  - id
                                  - name
                                additionalProperties: false
                              - type: 'null'
                            description: >-
                              Customer the agent is spending on behalf of, or
                              null when the approval isn't a delegated payment.
                          ach:
                            anyOf:
                              - type: object
                                properties:
                                  direction:
                                    enum:
                                      - credit
                                    type: string
                                    description: Direction of the payment.
                                  secCode:
                                    enum:
                                      - WEB
                                      - PPD
                                      - TEL
                                      - CCD
                                    type: string
                                    description: ACH SEC code the entry is submitted under.
                                  companyEntryDescription:
                                    type: string
                                    description: >-
                                      Company entry description submitted on the
                                      ACH entry.
                                  addenda:
                                    anyOf:
                                      - type: string
                                      - type: 'null'
                                    description: >-
                                      Payment-related information submitted as
                                      the NACHA addenda record, or null.
                                  internalDescription:
                                    anyOf:
                                      - type: string
                                      - type: 'null'
                                    description: >-
                                      Description for the sender's internal
                                      reference, or null. Never shared with the
                                      counterparty or the banking network.
                                  companyName:
                                    type: string
                                    description: Company name submitted on the ACH entry.
                                  expectedAvailableAt:
                                    anyOf:
                                      - type: string
                                      - type: 'null'
                                    description: >-
                                      RFC 3339 timestamp when the funds are
                                      expected to be available, or null when
                                      unknown.
                                  counterparty:
                                    anyOf:
                                      - type: object
                                        properties:
                                          externalPartyId:
                                            type: string
                                            pattern: ^epty_[0-9a-f]{32}$
                                            description: External party being paid (epty_*).
                                          name:
                                            type: string
                                            description: External party display or legal name.
                                          kind:
                                            enum:
                                              - individual
                                              - business
                                            type: string
                                            description: External party type.
                                          account:
                                            type: object
                                            properties:
                                              id:
                                                type: string
                                                pattern: ^epa_[0-9a-f]{32}$
                                                description: External party account (epa_*).
                                              accountType:
                                                enum:
                                                  - checking
                                                  - savings
                                                type: string
                                                description: Bank account type.
                                              last4:
                                                type: string
                                                minLength: 4
                                                maxLength: 4
                                                description: Last four account number digits.
                                              mask:
                                                type: string
                                                description: Masked account number.
                                            required:
                                              - id
                                              - accountType
                                              - last4
                                              - mask
                                            additionalProperties: false
                                            description: >-
                                              Masked bank account the ACH payment
                                              uses.
                                        required:
                                          - externalPartyId
                                          - name
                                          - kind
                                          - account
                                        additionalProperties: false
                                        title: ApprovalAchCounterparty
                                      - type: 'null'
                                    description: >-
                                      Counterparty and masked account, or null
                                      when it can no longer be resolved.
                                required:
                                  - direction
                                  - secCode
                                  - companyEntryDescription
                                  - addenda
                                  - internalDescription
                                  - companyName
                                  - expectedAvailableAt
                                  - counterparty
                                additionalProperties: true
                                title: ApprovalAch
                              - type: 'null'
                            description: >-
                              ACH-specific review context. Null unless the
                              target is an ACH.
                          wire:
                            anyOf:
                              - type: object
                                properties:
                                  description:
                                    type: string
                                    description: >-
                                      Description supplied when the wire was
                                      created.
                                  remittanceInfo:
                                    anyOf:
                                      - type: string
                                      - type: 'null'
                                    description: Remittance information, or null.
                                  internalDescription:
                                    anyOf:
                                      - type: string
                                      - type: 'null'
                                    description: >-
                                      Description for the sender's internal
                                      reference, or null. Never shared with the
                                      counterparty or the banking network.
                                  counterparty:
                                    anyOf:
                                      - type: object
                                        properties:
                                          externalPartyId:
                                            type: string
                                            pattern: ^epty_[0-9a-f]{32}$
                                            description: External party being paid (epty_*).
                                          name:
                                            type: string
                                            description: External party display or legal name.
                                          kind:
                                            enum:
                                              - individual
                                              - business
                                            type: string
                                            description: External party type.
                                          account:
                                            type: object
                                            properties:
                                              id:
                                                type: string
                                                pattern: ^epa_[0-9a-f]{32}$
                                                description: External party account (epa_*).
                                              accountType:
                                                enum:
                                                  - checking
                                                  - savings
                                                type: string
                                                description: Bank account type.
                                              last4:
                                                type: string
                                                minLength: 4
                                                maxLength: 4
                                                description: Last four account number digits.
                                              mask:
                                                type: string
                                                description: Masked account number.
                                            required:
                                              - id
                                              - accountType
                                              - last4
                                              - mask
                                            additionalProperties: false
                                            description: Masked bank account the payment credits.
                                        required:
                                          - externalPartyId
                                          - name
                                          - kind
                                          - account
                                        additionalProperties: false
                                        title: ApprovalRealtimeCounterparty
                                      - type: 'null'
                                    description: >-
                                      Destination party and masked account, or
                                      null when it can no longer be resolved.
                                required:
                                  - description
                                  - remittanceInfo
                                  - internalDescription
                                  - counterparty
                                additionalProperties: false
                                title: ApprovalWire
                              - type: 'null'
                            description: >-
                              Wire-specific review context. Null unless the
                              target is a wire.
                          check:
                            anyOf:
                              - type: object
                                properties:
                                  payeeName:
                                    type: string
                                    description: Name printed on the check.
                                  payeeCity:
                                    type: string
                                    description: Payee mailing address city.
                                  payeeState:
                                    type: string
                                    description: Payee mailing address state.
                                  amount:
                                    type: integer
                                    description: Check amount in cents.
                                  memo:
                                    type: string
                                    description: Memo printed on the check.
                                  internalDescription:
                                    anyOf:
                                      - type: string
                                      - type: 'null'
                                    description: >-
                                      Description for the sender's internal
                                      reference, or null. Never printed on the
                                      check or shared with the counterparty.
                                required:
                                  - payeeName
                                  - payeeCity
                                  - payeeState
                                  - amount
                                  - memo
                                  - internalDescription
                                additionalProperties: false
                                title: ApprovalCheck
                              - type: 'null'
                            description: >-
                              Check-specific review context. Null unless the
                              target is a check.
                          realtime:
                            anyOf:
                              - type: object
                                properties:
                                  description:
                                    type: string
                                    description: >-
                                      Description supplied when the payment was
                                      created.
                                  internalDescription:
                                    anyOf:
                                      - type: string
                                      - type: 'null'
                                    description: >-
                                      Description for the sender's internal
                                      reference, or null. Never shared with the
                                      counterparty or the banking network.
                                  counterparty:
                                    anyOf:
                                      - type: object
                                        properties:
                                          externalPartyId:
                                            type: string
                                            pattern: ^epty_[0-9a-f]{32}$
                                            description: External party being paid (epty_*).
                                          name:
                                            type: string
                                            description: External party display or legal name.
                                          kind:
                                            enum:
                                              - individual
                                              - business
                                            type: string
                                            description: External party type.
                                          account:
                                            type: object
                                            properties:
                                              id:
                                                type: string
                                                pattern: ^epa_[0-9a-f]{32}$
                                                description: External party account (epa_*).
                                              accountType:
                                                enum:
                                                  - checking
                                                  - savings
                                                type: string
                                                description: Bank account type.
                                              last4:
                                                type: string
                                                minLength: 4
                                                maxLength: 4
                                                description: Last four account number digits.
                                              mask:
                                                type: string
                                                description: Masked account number.
                                            required:
                                              - id
                                              - accountType
                                              - last4
                                              - mask
                                            additionalProperties: false
                                            description: Masked bank account the payment credits.
                                        required:
                                          - externalPartyId
                                          - name
                                          - kind
                                          - account
                                        additionalProperties: false
                                        title: ApprovalRealtimeCounterparty
                                      - type: 'null'
                                    description: >-
                                      Destination party and masked account, or
                                      null when it can no longer be resolved.
                                required:
                                  - description
                                  - internalDescription
                                  - counterparty
                                additionalProperties: false
                                title: ApprovalRealtime
                              - type: 'null'
                            description: >-
                              Realtime-specific review context. Null unless the
                              target is a realtime payment.
                          denialReason:
                            anyOf:
                              - type: string
                              - type: 'null'
                            description: >-
                              Reason recorded when the approval was denied, when
                              one was given.
                          createdAt:
                            type: string
                            description: RFC 3339 timestamp when the approval was created.
                          updatedAt:
                            type: string
                            description: >-
                              RFC 3339 timestamp when the approval was last
                              updated.
                          resolvedAt:
                            anyOf:
                              - type: string
                              - type: 'null'
                            description: >-
                              RFC 3339 timestamp when the approval was resolved,
                              or null while pending.
                        required:
                          - status
                          - target
                          - payment
                          - fee
                          - reasons
                          - customer
                          - ach
                          - wire
                          - check
                          - realtime
                          - denialReason
                          - createdAt
                          - updatedAt
                          - resolvedAt
                        additionalProperties: false
                      relationships:
                        type: object
                        properties:
                          initiatorAgent:
                            type: object
                            properties:
                              data:
                                anyOf:
                                  - type: object
                                    properties:
                                      type:
                                        description: Resource type. Always `agent`.
                                        type: string
                                        enum:
                                          - agent
                                      id:
                                        type: string
                                        pattern: ^agt_[0-9a-f]{32}$
                                    required:
                                      - type
                                      - id
                                    additionalProperties: false
                                    title: ResourceIdentifier
                                    description: Related resource identifier.
                                  - type: 'null'
                            required:
                              - data
                            additionalProperties: false
                            description: >-
                              Agent that initiated this resource, or null when
                              no agent can be reliably attributed.
                        required:
                          - initiatorAgent
                        additionalProperties: false
                    required:
                      - type
                      - id
                      - attributes
                      - relationships
                    additionalProperties: false
                required:
                  - data
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    data:
                      relationships:
                        initiatorAgent:
                          data:
                            type: agent
                            id: agt_019cd1798d637a4da75dce386343931d
                      type: approval
                      id: apr_019cd1798d8a74dd75c16fc6d843db81
                      attributes:
                        status: denied
                        target:
                          type: payment
                          id: pay_019cd1798d794c2f2ccf31b4e8394f2d
                        payment:
                          amount: 500000
                          currency: USD
                        fee: null
                        reasons:
                          - type: limitExceeded
                            limitType: perTransactionAmount
                            limitAmount: 250000
                            actualAmount: 500000
                            currency: USD
                        customer: null
                        ach: null
                        realtime: null
                        wire: null
                        check: null
                        denialReason: null
                        createdAt: '2026-01-04T15:30:00.000Z'
                        updatedAt: '2026-01-04T15:45:00.000Z'
                        resolvedAt: '2026-01-04T15:45:00.000Z'
          headers:
            X-RateLimit-Limit:
              description: Maximum requests allowed per window.
              schema:
                type: integer
            X-RateLimit-Remaining:
              description: Requests remaining in current window.
              schema:
                type: integer
            X-RateLimit-Reset:
              description: Unix timestamp when rate limit resets.
              schema:
                type: integer
        '400':
          description: Validation Error
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: invalid_value
                        detail: >-
                          The information you entered isn't valid. Please check
                          it and try again.
                        status: '400'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: unauthenticated
                        detail: Authentication is required.
                        status: '401'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: forbidden
                        detail: You do not have permission to perform this action.
                        status: '403'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '404':
          description: >-
            Not Found. Returned when the resource does not exist, or when it
            exists but is not accessible to your account. The two cases are
            intentionally indistinguishable, so that resource IDs cannot be
            enumerated by probing.
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: not_found
                        detail: The requested resource was not found.
                        status: '404'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '409':
          description: Conflict
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: conflict
                        detail: The request conflicts with the current resource state.
                        status: '409'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '422':
          description: >-
            Validation Error. The response contains one error object for each
            invalid request value.
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: invalid_value
                        detail: 'Too big: expected string to have <=80 characters'
                        status: '422'
                        source:
                          pointer: /data/attributes/description
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '428':
          description: Precondition Required
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: mfa_required
                        detail: MFA verification required
                        status: '428'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '429':
          description: Too Many Requests
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: rate_limited
                        detail: Too many requests. Please try again later.
                        status: '429'
                        meta:
                          supportId: req_a1b2c3d4e5f6
          headers:
            Retry-After:
              description: Seconds to wait before retrying.
              schema:
                type: integer
            X-RateLimit-Limit:
              description: Maximum requests allowed per window.
              schema:
                type: integer
            X-RateLimit-Remaining:
              description: Requests remaining in current window.
              schema:
                type: integer
            X-RateLimit-Reset:
              description: Unix timestamp when rate limit resets.
              schema:
                type: integer
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: server_error
                        detail: Something went wrong.
                        status: '500'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '501':
          description: Not Implemented
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: not_implemented
                        detail: This operation is not available.
                        status: '501'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '502':
          description: Bad Gateway
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: bad_gateway
                        detail: >-
                          We couldn't complete that request because one of
                          Natural's services returned an unexpected response.
                          Please try again.
                        status: '502'
                        meta:
                          supportId: req_a1b2c3d4e5f6
        '503':
          description: Service Unavailable
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    minItems: 1
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                          description: Stable lower-snake-case public error code.
                        detail:
                          type: string
                          description: Safe user-facing error detail.
                        status:
                          type: string
                          description: HTTP status code as a string.
                        source:
                          type: object
                          description: Location of the invalid request value.
                          properties:
                            pointer:
                              type: string
                              description: JSON Pointer to the invalid request value.
                            parameter:
                              type: string
                              description: Name of the invalid query parameter.
                            header:
                              type: string
                              description: Name of the invalid request header.
                          additionalProperties: false
                        meta:
                          type: object
                          description: >-
                            Additional error context, including support and
                            provider details when available.
                          properties:
                            supportId:
                              type: string
                              description: Request/support ID for troubleshooting.
                            limitScope:
                              type: string
                              enum:
                                - merchant
                                - program
                              description: >-
                                Which family of acquiring limit refused the
                                payment. Thresholds and usage are never
                                disclosed.
                            connectionStatus:
                              type: string
                              enum:
                                - login_required
                                - disconnected
                              description: >-
                                External account connection state when the error
                                is repairable by relinking.
                            provider:
                              type: object
                              description: Provider error details, when available.
                              properties:
                                name:
                                  type: string
                                  enum:
                                    - plaid
                                  description: Provider that returned the underlying error.
                                errorCode:
                                  type: string
                                  description: Provider error code, when available.
                                errorType:
                                  type: string
                                  description: Provider error type, when available.
                                requestId:
                                  type: string
                                  description: Provider request ID for troubleshooting.
                              required:
                                - name
                              additionalProperties: false
                          required:
                            - supportId
                          additionalProperties: false
                      required:
                        - code
                        - detail
                        - status
                        - meta
                      additionalProperties: false
                required:
                  - errors
                additionalProperties: false
              examples:
                default:
                  summary: Default
                  value:
                    errors:
                      - code: service_unavailable
                        detail: The service is temporarily unavailable.
                        status: '503'
                        meta:
                          supportId: req_a1b2c3d4e5f6
      security:
        - HTTPBearer: []
components:
  securitySchemes:
    HTTPBearer:
      type: http
      scheme: bearer
      description: >-
        Bearer authentication: send your API key, agent key, or OAuth access
        token as `Authorization: Bearer <credential>`.

````

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