> ## 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.

# List plans

> List card plans, newest first, with who pays each one



## OpenAPI

````yaml /api-reference/openapi-early-access.json get /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
  - 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
paths:
  /plans:
    get:
      tags:
        - Plans
      summary: List plans
      description: List card plans, newest first, with who pays each one
      operationId: plans.list
      parameters:
        - name: customerPartyId
          in: query
          schema:
            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.
          allowEmptyValue: true
          allowReserved: true
        - name: status
          in: query
          schema:
            enum:
              - pending
              - active
              - past_due
              - needs_attention
              - canceled
              - finished
            type: string
            description: Only plans with this status.
          allowEmptyValue: true
          allowReserved: true
        - name: limit
          in: query
          schema:
            type: integer
            minimum: 1
            maximum: 100
            default: 50
            description: Maximum results per page.
          allowEmptyValue: true
          allowReserved: true
        - name: cursor
          in: query
          schema:
            type: string
            pattern: ^pln_[0-9a-f]{32}$
            description: Cursor from the previous page.
          allowEmptyValue: true
          allowReserved: true
        - 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.
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: array
                    items:
                      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, one interval apart.
                            status:
                              enum:
                                - pending
                                - active
                                - past_due
                                - needs_attention
                                - canceled
                                - finished
                              type: string
                              description: >-
                                pending until payment 1 is paid in checkout and
                                the agreement is set up. active while Natural
                                collects every payment. past_due while a missed
                                payment hasn't been marked paid another way;
                                Natural keeps charging later payments and never
                                charges a missed one. needs_attention once two
                                payments in a row are missed or the card is
                                declined in a way that rules out a retry;
                                Natural stops collecting until the merchant
                                resumes. canceled when the payer or business
                                cancels it, the payer's bank stops the
                                agreement, checkout ends unpaid, or the
                                agreement can't be set up. finished once every
                                installment is paid or skipped.
                            terms:
                              anyOf:
                                - type: object
                                  properties:
                                    description:
                                      type: string
                                      minLength: 1
                                      maxLength: 200
                                      description: What the payer is paying for.
                                    every:
                                      type: object
                                      properties:
                                        unit:
                                          enum:
                                            - week
                                            - month
                                            - year
                                          type: string
                                        count:
                                          type: integer
                                          exclusiveMinimum: 0
                                      required:
                                        - unit
                                        - count
                                      additionalProperties: false
                                      description: >-
                                        The time between payments, and the
                                        plan's only interval. Payment 1 is
                                        charged in checkout, and payment n falls
                                        n-1 intervals after it. Every 1 to 25
                                        weeks or 1 to 5 months, so payments are
                                        less than 180 days apart. Yearly plans
                                        aren't available yet.
                                    amount:
                                      type: integer
                                      exclusiveMinimum: 0
                                      description: >-
                                        Every payment's amount in cents, tax
                                        included, payment 1 included. A card
                                        payment is at least $0.50.
                                    taxAmount:
                                      type: integer
                                      description: >-
                                        The part of `amount` that is tax, in
                                        cents.
                                    paymentCount:
                                      type: 'null'
                                      description: 'Null: the plan has no end.'
                                  required:
                                    - description
                                    - every
                                    - amount
                                    - taxAmount
                                    - paymentCount
                                  additionalProperties: false
                                  title: PlanTermsNoEnd
                                - type: object
                                  properties:
                                    description:
                                      type: string
                                      minLength: 1
                                      maxLength: 200
                                      description: What the payer is paying for.
                                    every:
                                      type: object
                                      properties:
                                        unit:
                                          enum:
                                            - week
                                            - month
                                            - year
                                          type: string
                                        count:
                                          type: integer
                                          exclusiveMinimum: 0
                                      required:
                                        - unit
                                        - count
                                      additionalProperties: false
                                      description: >-
                                        The time between payments, and the
                                        plan's only interval. Payment 1 is
                                        charged in checkout, and payment n falls
                                        n-1 intervals after it. Every 1 to 25
                                        weeks or 1 to 5 months, so payments are
                                        less than 180 days apart. Yearly plans
                                        aren't available yet.
                                    totalAmount:
                                      type: integer
                                      description: >-
                                        What the payments add up to, in cents,
                                        tax included.
                                    taxAmount:
                                      type: integer
                                      description: >-
                                        The part of `totalAmount` that is tax,
                                        in cents.
                                    paymentCount:
                                      type: integer
                                      minimum: 2
                                      maximum: 4
                                      description: 'How many payments the plan has: 2 to 4.'
                                    payments:
                                      type: array
                                      items:
                                        type: object
                                        properties:
                                          amount:
                                            type: integer
                                            description: >-
                                              This payment's amount in cents, tax
                                              included.
                                          taxAmount:
                                            type: integer
                                            description: >-
                                              The part of this payment that is tax, in
                                              cents.
                                        required:
                                          - amount
                                          - taxAmount
                                        additionalProperties: false
                                      description: >-
                                        Each payment, payment 1 first: its share
                                        of `totalAmount` and of `taxAmount`.
                                  required:
                                    - description
                                    - every
                                    - totalAmount
                                    - taxAmount
                                    - paymentCount
                                    - payments
                                  additionalProperties: false
                                  title: PlanTermsWithEnd
                              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 payment 1
                                        while the plan is pending: it's due when
                                        the payer pays in checkout, and later
                                        payments fall due from that day.
                                    amount:
                                      type: integer
                                      description: Amount in cents, tax included.
                                    taxAmount:
                                      type: integer
                                      description: >-
                                        The part of `amount` that is tax, in
                                        cents.
                                  required:
                                    - paymentNumber
                                    - dueDate
                                    - amount
                                    - taxAmount
                                  additionalProperties: false
                                - type: 'null'
                              description: >-
                                The first payment after the last one paid,
                                missed or skipped that can still be charged: the
                                one Natural charges next, or would once a plan
                                that needs attention resumes. A payment whose
                                window closed unpaid is passed over. Null once
                                the plan is canceled or finished, or when no
                                payment can still be charged.
                            missedPayments:
                              type: array
                              items:
                                type: integer
                              description: >-
                                Payments whose retries ran out or whose window
                                closed unpaid, and that weren't marked paid
                                another way. Natural never charges them.
                            attention:
                              anyOf:
                                - type: object
                                  properties:
                                    reason:
                                      enum:
                                        - missed_twice
                                        - not_charged
                                        - card_blocked
                                        - card_needs_update
                                        - card_removed
                                      type: string
                                      description: >-
                                        missed_twice: two payments in a row were
                                        missed, the later one because the
                                        payer's bank declined it or its rules (a
                                        wait, the retry limit) kept Natural from
                                        charging it. not_charged: two payments
                                        in a row were missed, the later one for
                                        a reason on the business's or
                                        processor's side, so the bank didn't
                                        decline it. card_blocked: the bank
                                        declined the card in a way that rules
                                        out a retry. card_needs_update: the card
                                        needs new details. card_removed: the
                                        bank says the card can't be used.
                                    since:
                                      type: string
                                      description: >-
                                        RFC 3339 timestamp when Natural stopped
                                        collecting.
                                  required:
                                    - reason
                                    - since
                                  additionalProperties: false
                                - type: 'null'
                              description: >-
                                Why Natural stopped collecting, while the plan
                                needs attention.
                            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.
                            clientSecret:
                              anyOf:
                                - type: string
                                - type: 'null'
                              description: >-
                                Pass to natural.js in the browser to show the
                                payment form for payment 1 on your page.
                                Available whenever `checkoutUrl` is, so it's
                                null once checkout ends. Treat it like a
                                password: send it only to the payer's browser.
                            expiresAt:
                              anyOf:
                                - type: string
                                - type: 'null'
                              description: >-
                                RFC 3339 timestamp after which the payer can no
                                longer pay payment 1 in checkout, and a plan
                                still pending reads canceled. Null when checkout
                                doesn't expire.
                            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.
                            payerEmail:
                              anyOf:
                                - type: string
                                - type: 'null'
                              description: >-
                                The payer's email from the agreement. Null until
                                payment 1 sets up the agreement, when the payer
                                gave none, and for a caller who can't read
                                agreements.
                          required:
                            - kind
                            - status
                            - terms
                            - currency
                            - nextPayment
                            - missedPayments
                            - attention
                            - mandateId
                            - checkoutUrl
                            - clientSecret
                            - expiresAt
                            - createdAt
                            - updatedAt
                            - payerEmail
                          additionalProperties: false
                          title: PlanListItemAttributes
                        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: PlanListItem
                  meta:
                    type: object
                    properties:
                      pagination:
                        type: object
                        properties:
                          hasMore:
                            type: boolean
                            description: Whether more results are available.
                          nextCursor:
                            anyOf:
                              - type: string
                              - type: 'null'
                            description: >-
                              Cursor for the next page, or null when there are
                              no more results.
                        required:
                          - hasMore
                          - nextCursor
                        additionalProperties: false
                        title: PaginationMeta
                    required:
                      - pagination
                    additionalProperties: false
                required:
                  - data
                  - meta
                additionalProperties: false
                title: PlanListResponse
              examples:
                default:
                  summary: Default
                  value:
                    data:
                      - id: pln_019d0a1b2c3d4e5f60718293a4b5c6f5
                        type: plan
                        attributes:
                          kind: subscription
                          status: pending
                          terms:
                            description: Pro membership, billed monthly.
                            every:
                              unit: month
                              count: 1
                            amount: 2900
                            taxAmount: 0
                            paymentCount: null
                          currency: USD
                          nextPayment:
                            paymentNumber: 1
                            dueDate: null
                            amount: 2900
                            taxAmount: 0
                          missedPayments: []
                          attention: null
                          mandateId: null
                          checkoutUrl: https://checkout.natural.com/#chk_example_2
                          clientSecret: >-
                            pmi_019d0a1b2c3d4e5f60718293a4b5c6f6_secret_live_Qm3V8oXq0yJcN2e4R7tLbWk9sDpF1uHaZiGxE5nYvTo
                          expiresAt: null
                          createdAt: '2026-10-01T09:00:00.000Z'
                          updatedAt: '2026-10-01T09:00:00.000Z'
                          payerEmail: null
                        relationships:
                          paymentIntent:
                            data:
                              type: paymentIntent
                              id: pmi_019d0a1b2c3d4e5f60718293a4b5c6f6
                      - id: pln_019d0a1b2c3d4e5f60718293a4b5c6f2
                        type: plan
                        attributes:
                          kind: subscription
                          status: active
                          terms:
                            description: Pro membership, billed monthly.
                            every:
                              unit: month
                              count: 1
                            amount: 2900
                            taxAmount: 0
                            paymentCount: null
                          currency: USD
                          nextPayment:
                            paymentNumber: 2
                            dueDate: '2026-10-17'
                            amount: 2900
                            taxAmount: 0
                          missedPayments: []
                          attention: null
                          mandateId: mdt_019d0a1b2c3d4e5f60718293a4b5c6f1
                          checkoutUrl: null
                          clientSecret: null
                          expiresAt: null
                          createdAt: '2026-09-17T18:00:00.000Z'
                          updatedAt: '2026-09-17T18:05:00.000Z'
                          payerEmail: jordan.lee@example.com
                        relationships:
                          paymentIntent:
                            data:
                              type: paymentIntent
                              id: pmi_019d0a1b2c3d4e5f60718293a4b5c6d7
                    meta:
                      pagination:
                        hasMore: false
                        nextCursor: 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 <credential>`.

````

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