> ## 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 searching Natural documentation, use the docs MCP at `https://docs.natural.com/mcp`.
> Use the Natural CLI for terminal and CI automation.
> 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.

# Sandbox: refund a card purchase

> Simulate the merchant refunding part of a captured card purchase. The refund settles at once and is returned as its own card transaction. Sandbox only.



## OpenAPI

````yaml /api-reference/openapi-early-access.json post /simulations/card-transactions/{cardTransactionId}/refund
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: Payment attachments
    description: Private supporting documents for payments
  - name: Subscriptions
    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
  - name: Simulations
    description: Sandbox-only simulation controls
paths:
  /simulations/card-transactions/{cardTransactionId}/refund:
    post:
      tags:
        - Simulations
      summary: 'Sandbox: refund a card purchase'
      description: >-
        Simulate the merchant refunding part of a captured card purchase. The
        refund settles at once and is returned as its own card transaction.
        Sandbox only.
      operationId: simulations.refundCardPurchase
      parameters:
        - name: cardTransactionId
          in: path
          required: true
          schema:
            type: string
            pattern: ^cit_[0-9a-f]{32}$
            description: A purchase returned by the authorize simulation (cit_*).
        - 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:
                        amount:
                          type: integer
                          minimum: 1
                          maximum: 1000000
                          description: >-
                            The amount to refund, in cents, at most the captured
                            amount not yet refunded.
                        currency:
                          description: Currency code. Only USD is supported.
                          type: string
                          enum:
                            - USD
                        customerPartyId:
                          type: string
                          pattern: ^pty_[0-9a-f]{32}$
                          description: >-
                            Customer party to act for (pty_*). Omit to act as
                            your own party. A connected agent passes the
                            customer whose wallet the card spends from.
                      required:
                        - amount
                        - currency
                      additionalProperties: false
                      title: SimulateCardPurchaseRefundAttributes
                  required:
                    - attributes
                  additionalProperties: false
              required:
                - data
              additionalProperties: false
            examples:
              default:
                summary: Default
                value:
                  data:
                    attributes:
                      amount: 500
                      currency: USD
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: object
                    properties:
                      type:
                        description: Resource type. Always `cardTransaction`.
                        type: string
                        enum:
                          - cardTransaction
                      id:
                        type: string
                        pattern: ^cit_[0-9a-f]{32}$
                        description: Card transaction ID (cit_*).
                      attributes:
                        type: object
                        properties:
                          kind:
                            enum:
                              - purchase
                              - refund
                            type: string
                            description: >-
                              purchase: money paid to a merchant. refund: money
                              a merchant returned.
                          status:
                            enum:
                              - pending
                              - authorized
                              - partially_captured
                              - captured
                              - reversed
                              - declined
                              - refunded
                            type: string
                            description: >-
                              pending: a refund the merchant approved that
                              hasn't settled. authorized: a purchase holds
                              money. partially_captured: part of the hold was
                              spent and part is still held or released.
                              captured: the purchase settled. reversed: the hold
                              was released and nothing was spent. declined: the
                              card declined it. refunded: the refund settled.
                          merchant:
                            type: object
                            properties:
                              name:
                                type: string
                                description: Merchant name as the card network sent it.
                              categoryCode:
                                anyOf:
                                  - type: string
                                  - type: 'null'
                                description: >-
                                  Merchant category code (MCC), when the network
                                  sent one.
                              city:
                                anyOf:
                                  - type: string
                                  - type: 'null'
                                description: Merchant city, when the network sent one.
                              country:
                                anyOf:
                                  - type: string
                                  - type: 'null'
                                description: >-
                                  Merchant country as an ISO 3166-1 alpha-2
                                  code, when known.
                            required:
                              - name
                              - categoryCode
                              - city
                              - country
                            additionalProperties: false
                            title: CardTransactionMerchant
                          amounts:
                            type: object
                            properties:
                              attempted:
                                type: integer
                                description: Amount the merchant asked for, in cents.
                              authorized:
                                type: integer
                                description: Amount the card approved, in cents.
                              captured:
                                type: integer
                                description: Amount spent, in cents.
                              released:
                                type: integer
                                description: >-
                                  Amount of the hold given back unspent, in
                                  cents.
                              refunded:
                                type: integer
                                description: Amount refunded and settled, in cents.
                              outstandingHold:
                                type: integer
                                description: Amount still held on the wallet, in cents.
                            required:
                              - attempted
                              - authorized
                              - captured
                              - released
                              - refunded
                              - outstandingHold
                            additionalProperties: false
                            title: CardTransactionAmounts
                            description: >-
                              Each amount is a separate fact. Zero means that
                              fact hasn't moved money.
                          currency:
                            description: Currency code. Only USD is supported.
                            type: string
                            enum:
                              - USD
                          decline:
                            anyOf:
                              - type: object
                                properties:
                                  code:
                                    type: string
                                    description: >-
                                      Stable decline code, such as
                                      insufficient_funds.
                                  message:
                                    type: string
                                    description: >-
                                      A plain-language explanation of the
                                      decline.
                                required:
                                  - code
                                  - message
                                additionalProperties: false
                                title: CardTransactionDecline
                              - type: 'null'
                            description: Why the card declined it, or null.
                          actor:
                            anyOf:
                              - type: object
                                properties:
                                  type:
                                    type: string
                                    enum:
                                      - person
                                  userId:
                                    type: string
                                    pattern: ^usr_[0-9a-f]{32}$
                                    description: The person who used the card (usr_*).
                                required:
                                  - type
                                  - userId
                                additionalProperties: false
                                title: CardTransactionPersonActor
                              - type: object
                                properties:
                                  type:
                                    type: string
                                    enum:
                                      - agent
                                  agentId:
                                    type: string
                                    pattern: ^agt_[0-9a-f]{32}$
                                    description: The agent that used the card (agt_*).
                                  agentDelegationId:
                                    anyOf:
                                      - type: string
                                        pattern: ^adl_[0-9a-f]{32}$
                                      - type: 'null'
                                    description: >-
                                      The connection the agent acted through
                                      (adl_*), when a connected agent used the
                                      card for a customer. Null for your own
                                      agent.
                                required:
                                  - type
                                  - agentId
                                  - agentDelegationId
                                additionalProperties: false
                                title: CardTransactionAgentActor
                            title: CardTransactionActor
                            description: Who used the card.
                          timeline:
                            type: array
                            items:
                              type: object
                              properties:
                                kind:
                                  enum:
                                    - attempted
                                    - authorized
                                    - declined
                                    - captured
                                    - released
                                    - reversed
                                    - refunded
                                  type: string
                                  description: What happened.
                                occurredAt:
                                  type: string
                                  description: RFC 3339 timestamp when it happened.
                                amount:
                                  type: integer
                                  description: Amount of this event, in cents.
                                decline:
                                  anyOf:
                                    - type: object
                                      properties:
                                        code:
                                          type: string
                                          description: >-
                                            Stable decline code, such as
                                            insufficient_funds.
                                        message:
                                          type: string
                                          description: >-
                                            A plain-language explanation of the
                                            decline.
                                      required:
                                        - code
                                        - message
                                      additionalProperties: false
                                      title: CardTransactionDecline
                                    - type: 'null'
                                  description: Why it declined, on a declined event.
                              required:
                                - kind
                                - occurredAt
                                - amount
                                - decline
                              additionalProperties: false
                              title: CardTransactionTimelineEvent
                            description: >-
                              Every event on this card transaction, oldest
                              first.
                          occurredAt:
                            type: string
                            description: RFC 3339 timestamp when the card was first used.
                          updatedAt:
                            type: string
                            description: >-
                              RFC 3339 timestamp when Natural last recorded a
                              change.
                        required:
                          - kind
                          - status
                          - merchant
                          - amounts
                          - currency
                          - decline
                          - actor
                          - timeline
                          - occurredAt
                          - updatedAt
                        additionalProperties: false
                        title: CardTransactionAttributes
                      relationships:
                        type: object
                        properties:
                          card:
                            type: object
                            properties:
                              data:
                                type: object
                                properties:
                                  type:
                                    description: Resource type. Always `card`.
                                    type: string
                                    enum:
                                      - card
                                  id:
                                    type: string
                                    pattern: ^pcd_[0-9a-f]{32}$
                                required:
                                  - type
                                  - id
                                additionalProperties: false
                                title: ResourceIdentifier
                                description: Related resource identifier.
                            required:
                              - data
                            additionalProperties: false
                            title: ToOneRelationship
                            description: >-
                              The card used (pcd_*). Card numbers are never
                              returned.
                          wallet:
                            type: object
                            properties:
                              data:
                                type: object
                                properties:
                                  type:
                                    description: Resource type. Always `wallet`.
                                    type: string
                                    enum:
                                      - wallet
                                  id:
                                    type: string
                                    pattern: ^wal_[0-9a-f]{32}$
                                required:
                                  - type
                                  - id
                                additionalProperties: false
                                title: ResourceIdentifier
                                description: Related resource identifier.
                            required:
                              - data
                            additionalProperties: false
                            title: ToOneRelationship
                            description: Wallet the card draws on.
                          transaction:
                            type: object
                            properties:
                              data:
                                type: object
                                properties:
                                  type:
                                    description: Resource type. Always `transaction`.
                                    type: string
                                    enum:
                                      - transaction
                                  id:
                                    type: string
                                    pattern: ^txn_[0-9a-f]{32}$
                                    description: Transaction ID (txn_*).
                                required:
                                  - type
                                  - id
                                additionalProperties: false
                                title: ResourceIdentifier
                                description: Related resource identifier.
                            required:
                              - data
                            additionalProperties: false
                            title: ToOneRelationship
                            description: The same activity in GET /transactions.
                          purchase:
                            type: object
                            properties:
                              data:
                                anyOf:
                                  - type: object
                                    properties:
                                      type:
                                        description: Resource type. Always `cardTransaction`.
                                        type: string
                                        enum:
                                          - cardTransaction
                                      id:
                                        type: string
                                        pattern: ^cit_[0-9a-f]{32}$
                                    required:
                                      - type
                                      - id
                                    additionalProperties: false
                                    title: ResourceIdentifier
                                    description: Related resource identifier.
                                  - type: 'null'
                            required:
                              - data
                            additionalProperties: false
                            title: NullableToOneRelationship
                            description: >-
                              For a refund, the purchase it returns money for,
                              when known. Null on a purchase.
                          refunds:
                            type: object
                            properties:
                              data:
                                type: array
                                items:
                                  type: object
                                  properties:
                                    type:
                                      description: Resource type. Always `cardTransaction`.
                                      type: string
                                      enum:
                                        - cardTransaction
                                    id:
                                      type: string
                                      pattern: ^cit_[0-9a-f]{32}$
                                  required:
                                    - type
                                    - id
                                  additionalProperties: false
                                  title: ResourceIdentifier
                                  description: Related resource identifier.
                            required:
                              - data
                            additionalProperties: false
                            title: ToManyRelationship
                            description: For a purchase, its refunds. Empty on a refund.
                        required:
                          - card
                          - wallet
                          - transaction
                          - purchase
                          - refunds
                        additionalProperties: false
                        title: CardTransactionRelationships
                    required:
                      - type
                      - id
                      - attributes
                      - relationships
                    additionalProperties: false
                    title: CardTransactionResource
                required:
                  - data
                additionalProperties: false
                title: CardTransactionResponse
              examples:
                default:
                  summary: Default
                  value:
                    data:
                      type: cardTransaction
                      id: cit_01a0e6a1d4c27b1a9f3e5d7c8b6a4f32
                      attributes:
                        kind: refund
                        status: refunded
                        merchant:
                          name: Sandbox Coffee
                          categoryCode: '5999'
                          city: null
                          country: US
                        amounts:
                          attempted: 500
                          authorized: 500
                          captured: 0
                          released: 0
                          refunded: 500
                          outstandingHold: 0
                        currency: USD
                        decline: null
                        actor:
                          type: agent
                          agentId: agt_01a0e6466ba3713bba0f0d9d36803b93
                          agentDelegationId: null
                        timeline:
                          - kind: refunded
                            occurredAt: '2026-10-14T18:01:00.000Z'
                            amount: 500
                            decline: null
                        occurredAt: '2026-10-14T18:01:00.000Z'
                        updatedAt: '2026-10-14T18:01:02.000Z'
                      relationships:
                        card:
                          data:
                            type: card
                            id: pcd_01a0e6a1d4c27b1a9f3e5d7c8b6a4f31
                        wallet:
                          data:
                            type: wallet
                            id: wal_01a0e6466ba3713bba0f0d9d36803b92
                        transaction:
                          data:
                            type: transaction
                            id: txn_01a0e6a1d4c27b1a9f3e5d7c8b6a4f32
                        purchase:
                          data:
                            type: cardTransaction
                            id: cit_01a0e6a1d4c27b1a9f3e5d7c8b6a4f31
                        refunds:
                          data: []
          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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