> ## 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 agentic purchase > Reserve budget for a purchase ## OpenAPI ````yaml /api-reference/openapi.json post /agentic-payments/purchases 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: Webhooks description: Webhook endpoint management - name: Events description: Webhook event log - name: Simulations description: Sandbox-only simulation controls paths: /agentic-payments/purchases: post: tags: - Agent Tokens summary: Create agentic purchase description: Reserve budget for a purchase operationId: agenticPayments.createPurchase 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: mandateId: type: string pattern: ^amd_[0-9a-f]{32}$ amount: type: integer maximum: 99999999 exclusiveMinimum: 0 currency: type: string enum: - USD merchant: type: object properties: name: type: string minLength: 1 maxLength: 80 url: type: string maxLength: 1024 format: uri countryCode: type: string pattern: ^[A-Z]{2}$ required: - name - url - countryCode additionalProperties: false ttlSeconds: type: integer minimum: 60 maximum: 600 customerPartyId: type: string pattern: ^pty_[0-9a-f]{32}$ description: >- Customer party to act for (pty_*). Omit to act as your own party. To act for another party, pass the ID of a party that has authorized you to act on its behalf. required: - mandateId - amount - currency - merchant - ttlSeconds additionalProperties: false required: - attributes additionalProperties: false required: - data additionalProperties: false examples: default: summary: Default value: data: attributes: mandateId: amd_01a0e6466ba3713bba0f0d9d36803b92 amount: 2450 currency: USD merchant: name: Blue Bottle Coffee url: https://bluebottlecoffee.com countryCode: US ttlSeconds: 600 responses: '201': description: Successful Response content: application/json: schema: type: object properties: data: type: object properties: id: type: string pattern: ^apu_[0-9a-f]{32}$ mandateId: type: string pattern: ^amd_[0-9a-f]{32}$ provider: enum: - basis_theory - simulation type: string confirmationStatus: enum: - not_requested - pending - confirmed - reconciliation_required type: string amount: type: number currency: type: string enum: - USD merchant: type: object properties: name: type: string minLength: 1 maxLength: 80 url: type: string maxLength: 1024 format: uri countryCode: type: string pattern: ^[A-Z]{2}$ required: - name - url - countryCode additionalProperties: false delivery: enum: - browser_session - agent_token - card_token type: string status: enum: - prepared - issuing - issued - outcome_unknown - failed - canceled type: string expiresAt: anyOf: - type: string format: date-time - type: 'null' errorCode: anyOf: - type: string - type: 'null' required: - id - mandateId - provider - confirmationStatus - amount - currency - merchant - delivery - status - expiresAt - errorCode required: - data examples: default: summary: Default value: data: id: apu_01a0e6466ba3713bba0f0d9d36803b93 mandateId: amd_01a0e6466ba3713bba0f0d9d36803b92 provider: basis_theory confirmationStatus: not_requested amount: 2450 currency: USD merchant: name: Blue Bottle Coffee url: https://bluebottlecoffee.com countryCode: US delivery: card_token status: prepared expiresAt: null errorCode: 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: securitySchemes: HTTPBearer: type: http scheme: bearer description: >- Bearer authentication: send your API key, agent key, or OAuth access token as `Authorization: Bearer `. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.