> ## Documentation Index
> Fetch the complete documentation index at: https://docs.montereyfinancial.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Create a one-time payment (coming soon)

> Will trigger a one-time payment on the account using the given stored payment method. The request contract is final and inputs are fully validated, but submission is not yet live: every request currently returns 501 `not_implemented`.



## OpenAPI

````yaml /api-reference/external_api.openapi.json post /payments
openapi: 3.1.0
info:
  title: Monterey External Reporting API
  description: >-
    Org-scoped, API-key-authenticated reporting endpoints for Monterey Financial
    clients.
  version: 0.1.0
servers:
  - url: https://api.montereyfinancial.app
    description: Production
security:
  - BearerApiKey: []
paths:
  /payments:
    post:
      tags:
        - Payments
      summary: Create a one-time payment (coming soon)
      description: >-
        Will trigger a one-time payment on the account using the given stored
        payment method. The request contract is final and inputs are fully
        validated, but submission is not yet live: every request currently
        returns 501 `not_implemented`.
      operationId: create_payment_payments_post
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PaymentCreate'
        required: true
      responses:
        '202':
          description: Successful Response
          content:
            application/json:
              schema: {}
        '401':
          description: Missing or invalid API key.
        '404':
          description: Resource not in scope or does not exist.
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '501':
          description: Payment submission is not yet available.
      security:
        - BearerApiKey: []
components:
  schemas:
    PaymentCreate:
      properties:
        account_id:
          type: string
          title: Account Id
          description: The account to apply the payment to.
        payment_method_id:
          type: string
          title: Payment Method Id
          description: >-
            The stored payment method to charge. Must belong to a borrower on
            the account.
        amount_cents:
          type: integer
          exclusiveMinimum: 0
          title: Amount Cents
          description: Payment amount, in integer cents.
      additionalProperties: false
      type: object
      required:
        - account_id
        - payment_method_id
        - amount_cents
      title: PaymentCreate
      description: |-
        Request body for triggering a one-time payment on an account
        using a stored payment method.
    HTTPValidationError:
      properties:
        detail:
          items:
            $ref: '#/components/schemas/ValidationError'
          type: array
          title: Detail
      type: object
      title: HTTPValidationError
      description: >-
        Parameter-validation error (HTTP 422). `detail` lists each violated
        constraint with its location, message, and type.
    ValidationError:
      properties:
        loc:
          items:
            anyOf:
              - type: string
              - type: integer
          type: array
          title: Location
        msg:
          type: string
          title: Message
        type:
          type: string
          title: Error Type
        input:
          title: Input
        ctx:
          type: object
          title: Context
      type: object
      required:
        - loc
        - msg
        - type
      title: ValidationError
      description: >-
        A single parameter-validation failure: `loc` is the path to the
        offending input, `msg` is human-readable, and `type` is the rule that
        failed.
  securitySchemes:
    BearerApiKey:
      type: http
      description: Static API key issued via the client portal. Treat it like a password.
      scheme: bearer
      bearerFormat: ApiKey

````