> ## 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.

# Create payment intent

> Create a payment intent with a hosted checkout link



## OpenAPI

````yaml /api-reference/openapi.json post /payment-intents
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:
  /payment-intents:
    post:
      tags:
        - Payment Intents
      summary: Create payment intent
      description: Create a payment intent with a hosted checkout link
      operationId: paymentIntents.create
      parameters:
        - 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: true
        content:
          application/json:
            schema:
              type: object
              properties:
                data:
                  type: object
                  properties:
                    attributes:
                      type: object
                      properties:
                        customerPartyId:
                          type: string
                          pattern: ^pty_[0-9a-f]{32}$
                          description: >-
                            Customer party to act for (pty_*). Omit for your own
                            account. Requires authorization from that customer.
                        amount:
                          type: integer
                          minimum: 1
                          description: Total amount in US cents.
                        currency:
                          description: Currency code. USD only.
                          type: string
                          enum:
                            - USD
                        description:
                          type: string
                          minLength: 1
                          maxLength: 80
                          description: What the payment is for.
                        expiresAt:
                          type: string
                          maxLength: 64
                          description: >-
                            RFC 3339 timestamp after which no new payment
                            attempt may start.
                        taxMode:
                          enum:
                            - exclusive
                            - inclusive
                          type: string
                          default: exclusive
                          description: Whether tax is added to or included in line amounts.
                        taxAmount:
                          type: integer
                          minimum: 0
                          description: >-
                            Tax in cents when lineItems is empty. Defaults to
                            zero.
                        lineItems:
                          type: array
                          maxItems: 100
                          items:
                            type: object
                            properties:
                              referenceId:
                                type: string
                                minLength: 1
                                maxLength: 255
                                description: Your reference for the line, such as a SKU.
                              description:
                                type: string
                                minLength: 1
                                maxLength: 255
                                description: What this line sells.
                              quantity:
                                type: integer
                                minimum: 1
                                maximum: 1000000
                                description: Unit count.
                              unitAmount:
                                type: integer
                                minimum: 0
                                maximum: 1000000000000
                                description: Per-unit amount in cents.
                              taxAmount:
                                type: integer
                                minimum: 0
                                maximum: 1000000000000
                                description: >-
                                  Total tax for this line in cents. Defaults to
                                  zero.
                              taxCode:
                                type: string
                                minLength: 1
                                maxLength: 50
                                description: Your tax code for this line.
                            required:
                              - description
                              - quantity
                              - unitAmount
                            additionalProperties: false
                            title: CreatePaymentIntentLineItem
                          default: []
                          description: >-
                            Sale lines in display order. Totals are calculated
                            by Natural.
                      required:
                        - amount
                        - currency
                      additionalProperties: false
                      title: CreatePaymentIntentAttributes
                  required:
                    - attributes
                  additionalProperties: false
              required:
                - data
              additionalProperties: false
              title: CreatePaymentIntentRequest
            examples:
              default:
                summary: Default
                value:
                  data:
                    attributes:
                      amount: 3920
                      currency: USD
                      description: Order 8842
                      taxMode: exclusive
                      lineItems:
                        - referenceId: menu_item_31
                          description: Margherita pizza
                          quantity: 2
                          unitAmount: 1800
                          taxAmount: 320
                          taxCode: prepared_food
      responses:
        '201':
          description: Successful Response
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    $ref: '#/components/schemas/PaymentIntent'
                required:
                  - data
                additionalProperties: false
                title: PaymentIntentResponse
              examples:
                default:
                  summary: Default
                  value:
                    data:
                      id: pmi_019d0a1b2c3d4e5f60718293a4b5c6d7
                      type: paymentIntent
                      attributes:
                        amount: 3920
                        currency: USD
                        description: Order 8842
                        status: open
                        payUrl: https://checkout.natural.com/#chk_example
                        clientSecret: >-
                          pmi_019d0a1b2c3d4e5f60718293a4b5c6d7_secret_live_tcTy4NoQJkF6ShQTh5Y8ubLmbQikz5K9JBobGtauWws
                        taxMode: exclusive
                        taxAmount: 320
                        lineItems:
                          - id: pli_019d0a1b2c3d4e5f60718293a4b5c6e1
                            position: 0
                            referenceId: menu_item_31
                            description: Margherita pizza
                            quantity: 2
                            unitAmount: 1800
                            taxAmount: 320
                            taxCode: prepared_food
                            subtotalAmount: 3600
                            totalAmount: 3920
                        expiresAt: null
                        canceledAt: null
                        createdAt: '2026-09-17T18:00:00.000Z'
                        updatedAt: '2026-09-17T18:00:00.000Z'
                      relationships:
                        customerParty:
                          data:
                            type: party
                            id: pty_019cd1798d627ad9bc302511c4f2c115
                        cardPayment:
                          data: null
                        voiceSession:
                          data: null
          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:
  schemas:
    PaymentIntent:
      type: object
      properties:
        id:
          type: string
          pattern: ^pmi_[0-9a-f]{32}$
        type:
          description: Resource type. Always `paymentIntent`.
          type: string
          enum:
            - paymentIntent
        attributes:
          type: object
          properties:
            amount:
              type: integer
              description: Total amount in US cents.
            currency:
              description: Currency code.
              type: string
              enum:
                - USD
            description:
              anyOf:
                - type: string
                - type: 'null'
              description: What the payment is for.
            payUrl:
              anyOf:
                - type: string
                - type: 'null'
              description: >-
                Hosted checkout URL while the intent is open or processing. Null
                when the intent is closed or no link is available.
            clientSecret:
              anyOf:
                - type: string
                - type: 'null'
              description: >-
                Pass to natural.js in the browser to show the payment form.
                Available whenever `payUrl` is. Treat it like a password: send
                it only to the payer's browser.
            status:
              enum:
                - open
                - processing
                - completed
                - canceled
                - declined
                - expired
              type: string
              description: >-
                Payment collection status. A completed intent has a successful
                payment, but funds may not be settled yet.
            taxMode:
              enum:
                - exclusive
                - inclusive
              type: string
              description: Whether tax is added to or included in line amounts.
            taxAmount:
              type: integer
              description: Tax in cents.
            lineItems:
              type: array
              items:
                type: object
                properties:
                  id:
                    type: string
                    pattern: ^pli_[0-9a-f]{32}$
                    description: Line item ID (pli_*). Replacing the lines issues new IDs.
                  position:
                    type: integer
                    description: Zero-based display order.
                  referenceId:
                    anyOf:
                      - type: string
                      - type: 'null'
                    description: Your own reference for the line, such as a SKU.
                  description:
                    type: string
                    description: What this line sells.
                  quantity:
                    type: integer
                    description: Unit count.
                  unitAmount:
                    type: integer
                    description: Per-unit amount in cents.
                  subtotalAmount:
                    type: integer
                    description: >-
                      Line total before tax, in cents. Equals totalAmount minus
                      taxAmount.
                  taxAmount:
                    type: integer
                    description: Line tax in cents.
                  totalAmount:
                    type: integer
                    description: Line total in cents.
                  taxCode:
                    anyOf:
                      - type: string
                      - type: 'null'
                    description: Your tax code for this line.
                required:
                  - id
                  - position
                  - referenceId
                  - description
                  - quantity
                  - unitAmount
                  - subtotalAmount
                  - taxAmount
                  - totalAmount
                  - taxCode
                additionalProperties: false
                title: PaymentIntentLineItem
              description: >-
                Line items in display order. Replaceable while the intent is
                open.
            expiresAt:
              anyOf:
                - type: string
                - type: 'null'
              description: RFC 3339 timestamp after which no new payment attempt may start.
            canceledAt:
              anyOf:
                - type: string
                - type: 'null'
              description: RFC 3339 timestamp when the intent was canceled.
            createdAt:
              type: string
              description: RFC 3339 creation timestamp.
            updatedAt:
              type: string
              description: RFC 3339 update timestamp.
          required:
            - amount
            - currency
            - description
            - payUrl
            - clientSecret
            - status
            - taxMode
            - taxAmount
            - lineItems
            - expiresAt
            - canceledAt
            - createdAt
            - updatedAt
          additionalProperties: false
          title: PaymentIntentAttributes
        relationships:
          type: object
          properties:
            customerParty:
              type: object
              properties:
                data:
                  type: object
                  properties:
                    type:
                      description: Resource type. Always `party`.
                      type: string
                      enum:
                        - party
                    id:
                      type: string
                      pattern: ^pty_[0-9a-f]{32}$
                  required:
                    - type
                    - id
                  additionalProperties: false
                  title: ResourceIdentifier
                  description: Related resource identifier.
              required:
                - data
              additionalProperties: false
              title: ToOneRelationship
              description: The party being paid.
            cardPayment:
              type: object
              properties:
                data:
                  anyOf:
                    - type: object
                      properties:
                        type:
                          description: Resource type. Always `cardPayment`.
                          type: string
                          enum:
                            - cardPayment
                        id:
                          type: string
                          pattern: ^cpy_[0-9a-f]{32}$
                      required:
                        - type
                        - id
                      additionalProperties: false
                      title: ResourceIdentifier
                      description: Related resource identifier.
                    - type: 'null'
              required:
                - data
              additionalProperties: false
              title: NullableToOneRelationship
              description: Successful card payment. Null until a payment succeeds.
            voiceSession:
              type: object
              properties:
                data:
                  anyOf:
                    - type: object
                      properties:
                        type:
                          description: Resource type. Always `voiceSession`.
                          type: string
                          enum:
                            - voiceSession
                        id:
                          type: string
                          pattern: ^vos_[0-9a-f]{32}$
                      required:
                        - type
                        - id
                      additionalProperties: false
                      title: ResourceIdentifier
                      description: Related resource identifier.
                    - type: 'null'
              required:
                - data
              additionalProperties: false
              title: NullableToOneRelationship
              description: >-
                Latest voice session for this intent. Null when no session has
                been created.
          required:
            - customerParty
            - cardPayment
            - voiceSession
          additionalProperties: false
          title: PaymentIntentRelationships
      required:
        - id
        - type
        - attributes
        - relationships
      additionalProperties: false
      title: PaymentIntentResource
  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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