{
  "$id": "https://schema.nfh.global/PaymentTerm/v2.0",
  "x-iri": "https://schema.nfh.global/PaymentTerm/v2.0",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "description": "A single payment instruction for an order. Represents one line item in the paymentTerms array of an Order — e.g., a pre-order UPI payment, a cash-on-delivery amount, or an instalment. ",
  "title": "PaymentTerm",
  "x-tags": [
    "common"
  ],
  "type": "object",
  "properties": {
    "id": {
      "description": "Unique identifier for this payment term within the order.",
      "type": "string",
      "x-jsonld": {
        "@id": "schema:identifier"
      }
    },
    "type": {
      "description": "Payment lifecycle stage.",
      "type": "string",
      "enum": [
        "PRE_ORDER",
        "ON_FULFILLMENT",
        "POST_FULFILLMENT",
        "INSTALLMENT"
      ]
    },
    "method": {
      "description": "Payment instrument or rail to use.",
      "type": "string",
      "enum": [
        "UPI",
        "CREDIT_CARD",
        "DEBIT_CARD",
        "WALLET",
        "BANK_TRANSFER",
        "CASH",
        "APPLE_PAY",
        "BNPL",
        "OTHER"
      ]
    },
    "amount": {
      "description": "Amount due under this payment term.",
      "type": "object",
      "properties": {
        "currency": {
          "type": "string",
          "description": "ISO 4217 currency code."
        },
        "value": {
          "type": "number",
          "description": "Monetary amount."
        }
      },
      "required": [
        "currency",
        "value"
      ],
      "additionalProperties": false
    },
    "due": {
      "description": "ISO 8601 date-time by which this payment is due.",
      "type": "string",
      "format": "date-time"
    },
    "payTo": {
      "description": "Payee details for this payment term.",
      "type": "object",
      "properties": {
        "upiId": {
          "type": "string",
          "description": "UPI Virtual Payment Address of the payee."
        },
        "accountName": {
          "type": "string",
          "description": "Legal name of the payee account holder."
        },
        "bankAccount": {
          "type": "string",
          "description": "Bank account number (masked if required)."
        },
        "ifsc": {
          "type": "string",
          "description": "IFSC code of the payee bank branch (India)."
        },
        "walletId": {
          "type": "string",
          "description": "Wallet identifier of the payee."
        }
      },
      "additionalProperties": true
    },
    "status": {
      "description": "Payment status.",
      "type": "string",
      "enum": [
        "NOT_PAID",
        "PAID",
        "PENDING",
        "FAILED",
        "REFUNDED",
        "PARTIALLY_PAID"
      ]
    },
    "transactionId": {
      "description": "Payment gateway or bank transaction reference ID.",
      "type": "string"
    }
  },
  "required": [],
  "additionalProperties": false
}