$id: https://schema.beckn.io/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:
  '@context':
    type: string
    format: uri
    const: "https://schema.beckn.io/"
  '@type':
    type: string
    const: beckn:PaymentTerm
  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:
- '@context'
- '@type'
additionalProperties: false