$id: "https://schema.beckn.io/PaymentTerms/v2.0"
$schema: "https://json-schema.org/draft/2020-12/schema"
description: Schema definition for PaymentTerms in the Beckn Protocol v2.0.1
title: PaymentTerms
x-tags: [common]
type: object
properties:
  '@context':
    type: string
    format: uri
    const: "https://schema.beckn.io/"
  '@type':
    type: string
    const: beckn:PaymentTerm
  collectedBy:
    description: Describes the entity that first collects the payment from the consumer. This is the actor who is responsible to initiate the settlement process as per the terms described in the settlementTerms property.
    type: string
    enum:
    - BAP
    - BPP
    - ESCROW_AGENT
  checkoutAt:
    $ref: "https://schema.beckn.io/CheckoutTerminal/v2.0"
  settlementTerms:
    type: array
    items:
      $ref: "https://schema.beckn.io/SettlementTerm/v2.0"
  checkoutTrigger:
    description: The stage in the order lifecycle when the checkout should be triggered
    $ref: https://schema.beckn.io/PaymentTrigger/v2.0
  paymentTermsAttributes:
    description: 'Rail-specific attribute pack (e.g., UPI: VPA/UTR; CARD: token/3DS; BNPL: plan/schedule)'
    $ref: https://schema.beckn.io/Attributes/v2.0
additionalProperties: false