> ## 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 plan > Create a card plan and the checkout where the payer agrees to it and pays its first payment ## OpenAPI ````yaml /api-reference/openapi-early-access.json post /plans openapi: 3.1.1 info: title: Natural API (early access) version: 0.2.0 description: |- Early-access endpoints of Natural's payments API. **Base URL:** `https://api.natural.com` For access: hi@natural.com servers: - url: https://api.natural.com description: Production security: [] tags: - name: Plans description: Subscriptions and installments paid by card paths: /plans: post: tags: - Plans summary: Create plan description: >- Create a card plan and the checkout where the payer agrees to it and pays its first payment operationId: plans.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. terms: anyOf: - type: object properties: kind: type: string enum: - subscription description: type: string minLength: 1 maxLength: 200 amountMinor: type: integer exclusiveMinimum: 0 every: type: object properties: unit: enum: - week - month - year type: string count: type: integer exclusiveMinimum: 0 required: - unit - count additionalProperties: false required: - kind - description - amountMinor - every additionalProperties: false - type: object properties: kind: type: string enum: - installments description: type: string minLength: 1 maxLength: 200 payments: type: array minItems: 2 maxItems: 4 items: type: object properties: amountMinor: type: integer exclusiveMinimum: 0 dueDate: type: string format: date required: - amountMinor - dueDate additionalProperties: false required: - kind - description - payments additionalProperties: false description: >- What the payer agrees to in checkout. Checkout charges payment 1. required: - terms additionalProperties: false title: CreatePlanAttributes required: - attributes additionalProperties: false required: - data additionalProperties: false title: CreatePlanRequest examples: default: summary: Default value: data: attributes: terms: kind: subscription description: Pro membership, billed monthly. amountMinor: 2900 every: unit: month count: 1 responses: '201': description: Successful Response content: application/json: schema: type: object properties: data: type: object properties: id: type: string pattern: ^pln_[0-9a-f]{32}$ description: Plan ID (pln_*). type: description: Resource type. Always `plan`. type: string enum: - plan attributes: type: object properties: kind: enum: - subscription - installments type: string description: >- A subscription repeats with no end. Installments are 2 to 4 fixed payments. status: enum: - pending - active - canceled - finished type: string description: >- pending until payment 1 is paid in checkout and the agreement is set up. active while the agreement is live; an installment plan whose last payment lapsed unpaid stays active with no nextPayment. canceled when the agreement ends, or checkout ends unpaid. finished once an installment plan's last payment is paid, even if an earlier one lapsed. terms: anyOf: - type: object properties: kind: type: string enum: - subscription description: type: string minLength: 1 maxLength: 200 amountMinor: type: integer exclusiveMinimum: 0 every: type: object properties: unit: enum: - week - month - year type: string count: type: integer exclusiveMinimum: 0 required: - unit - count additionalProperties: false required: - kind - description - amountMinor - every additionalProperties: false - type: object properties: kind: type: string enum: - installments description: type: string minLength: 1 maxLength: 200 payments: type: array minItems: 2 maxItems: 4 items: type: object properties: amountMinor: type: integer exclusiveMinimum: 0 dueDate: type: string format: date required: - amountMinor - dueDate additionalProperties: false required: - kind - description - payments additionalProperties: false description: The terms as frozen when the plan was created. currency: description: Currency code. type: string enum: - USD nextPayment: anyOf: - type: object properties: paymentNumber: type: integer description: Which payment of the plan this is. dueDate: anyOf: - type: string - type: 'null' description: >- YYYY-MM-DD, UTC. Null for a subscription's payment 1, which is due when the payer pays in checkout. amountMinor: type: integer description: Amount in cents. required: - paymentNumber - dueDate - amountMinor additionalProperties: false - type: 'null' description: >- The first payment after the last one paid that can still be charged. A payment whose window closed unpaid is skipped. Null once the plan is canceled or finished, or when no payment can still be charged. mandateId: anyOf: - type: string pattern: ^mdt_[0-9a-f]{32}$ - type: 'null' description: >- The card agreement the plan charges (mdt_*). Null until the payer pays payment 1. checkoutUrl: anyOf: - type: string - type: 'null' description: >- Hosted checkout where the payer agrees and pays payment 1, while the plan is pending. createdAt: type: string description: RFC 3339 timestamp when the plan was created. updatedAt: type: string description: >- RFC 3339 timestamp when the plan record last changed. status and nextPayment are read live. required: - kind - status - terms - currency - nextPayment - mandateId - checkoutUrl - createdAt - updatedAt additionalProperties: false title: PlanAttributes relationships: type: object properties: paymentIntent: type: object properties: data: type: object properties: type: description: Resource type. Always `paymentIntent`. type: string enum: - paymentIntent id: type: string pattern: ^pmi_[0-9a-f]{32}$ required: - type - id additionalProperties: false title: ResourceIdentifier description: Related resource identifier. required: - data additionalProperties: false title: ToOneRelationship description: The checkout intent for payment 1. required: - paymentIntent additionalProperties: false title: PlanRelationships required: - id - type - attributes - relationships additionalProperties: false title: PlanResource required: - data additionalProperties: false title: PlanResponse examples: default: summary: Default value: data: id: pln_019d0a1b2c3d4e5f60718293a4b5c6f2 type: plan attributes: kind: subscription status: pending terms: kind: subscription description: Pro membership, billed monthly. amountMinor: 2900 every: unit: month count: 1 currency: USD nextPayment: paymentNumber: 1 dueDate: null amountMinor: 2900 mandateId: null checkoutUrl: https://www.natural.com/checkout#chk_example createdAt: '2026-09-17T18:00:00.000Z' updatedAt: '2026-09-17T18:00:00.000Z' relationships: paymentIntent: data: type: paymentIntent id: pmi_019d0a1b2c3d4e5f60718293a4b5c6d7 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 `. ````