API Design

API Categories & Complete Endpoint List

1. Authentication & Authorization APIs

# User Registration & Onboarding
POST   /v1/auth/register                    # Register new user account
POST   /v1/auth/verify-email                # Verify email with token
POST   /v1/auth/verify-phone                # Verify phone number with OTP
POST   /v1/auth/resend-verification         # Resend verification code

# Login & Session Management
POST   /v1/auth/login                       # User login
POST   /v1/auth/logout                      # User logout
POST   /v1/auth/refresh                     # Refresh access token
POST   /v1/auth/2fa/enable                  # Enable 2FA
POST   /v1/auth/2fa/verify                  # Verify 2FA code
POST   /v1/auth/2fa/disable                 # Disable 2FA

# Password Management
POST   /v1/auth/forgot-password             # Request password reset
POST   /v1/auth/reset-password              # Reset password with token
PUT    /v1/auth/change-password             # Change password (authenticated)

# OAuth & Social Login
GET    /v1/auth/oauth/{provider}            # OAuth login (Google, Apple, Facebook)
POST   /v1/auth/oauth/callback              # OAuth callback handler
POST   /v1/auth/oauth/link                  # Link social account to existing account
DELETE /v1/auth/oauth/unlink/{provider}     # Unlink social account

2. User Account Management APIs

yaml

# Profile Management
GET    /v1/users/{userId}                   # Get user profile
PUT    /v1/users/{userId}                   # Update user profile
PATCH  /v1/users/{userId}                   # Partial update user profile
DELETE /v1/users/{userId}                   # Delete/deactivate account
GET    /v1/users/{userId}/settings          # Get user preferences
PUT    /v1/users/{userId}/settings          # Update user preferences

# Identity Verification (KYC)
POST   /v1/users/{userId}/kyc/initiate      # Start KYC process
POST   /v1/users/{userId}/kyc/documents     # Upload KYC documents
GET    /v1/users/{userId}/kyc/status        # Get KYC verification status
POST   /v1/users/{userId}/kyc/resubmit      # Resubmit KYC after rejection

# Address Management
GET    /v1/users/{userId}/addresses         # List all addresses
POST   /v1/users/{userId}/addresses         # Add new address
PUT    /v1/users/{userId}/addresses/{id}    # Update address
DELETE /v1/users/{userId}/addresses/{id}    # Delete address
PUT    /v1/users/{userId}/addresses/{id}/default # Set default address

# Contact Management
GET    /v1/users/{userId}/contacts          # List saved contacts
POST   /v1/users/{userId}/contacts          # Add new contact
PUT    /v1/users/{userId}/contacts/{id}     # Update contact
DELETE /v1/users/{userId}/contacts/{id}     # Delete contact
GET    /v1/users/search                     # Search users by email/phone/username

3. Wallet & Balance Management APIs

yaml

# Wallet Operations
GET    /v1/wallets/{walletId}               # Get wallet details
GET    /v1/wallets/{walletId}/balance       # Get wallet balance
GET    /v1/wallets/{walletId}/balances      # Get multi-currency balances
POST   /v1/wallets                          # Create new wallet (multi-currency)
PUT    /v1/wallets/{walletId}/settings      # Update wallet settings

# Balance Operations
POST   /v1/wallets/{walletId}/freeze        # Freeze funds (disputes, holds)
POST   /v1/wallets/{walletId}/unfreeze      # Unfreeze funds
GET    /v1/wallets/{walletId}/holds         # Get all holds on funds
GET    /v1/wallets/{walletId}/available     # Get available balance (minus holds)

# Top-up / Add Funds
POST   /v1/wallets/{walletId}/topup         # Add funds via bank/card
GET    /v1/wallets/{walletId}/topup/methods # Get available top-up methods
GET    /v1/wallets/{walletId}/topup/history # Get top-up history

# Withdrawal
POST   /v1/wallets/{walletId}/withdraw      # Withdraw to bank account
GET    /v1/wallets/{walletId}/withdraw/methods # Get withdrawal methods
GET    /v1/wallets/{walletId}/withdraw/history # Get withdrawal history
GET    /v1/wallets/{walletId}/withdraw/{id}/status # Check withdrawal status

4. Payment Methods Management APIs

yaml

# Bank Accounts
GET    /v1/payment-methods/banks            # List linked bank accounts
POST   /v1/payment-methods/banks            # Link new bank account
PUT    /v1/payment-methods/banks/{id}       # Update bank account
DELETE /v1/payment-methods/banks/{id}       # Remove bank account
POST   /v1/payment-methods/banks/{id}/verify # Verify bank account (micro-deposits)
PUT    /v1/payment-methods/banks/{id}/default # Set as default

# Credit/Debit Cards
GET    /v1/payment-methods/cards            # List linked cards
POST   /v1/payment-methods/cards            # Add new card
PUT    /v1/payment-methods/cards/{id}       # Update card details
DELETE /v1/payment-methods/cards/{id}       # Remove card
POST   /v1/payment-methods/cards/{id}/verify # Verify card (CVV check)
PUT    /v1/payment-methods/cards/{id}/default # Set as default

# Digital Wallets (Apple Pay, Google Pay)
GET    /v1/payment-methods/digital-wallets  # List digital wallets
POST   /v1/payment-methods/digital-wallets  # Link digital wallet
DELETE /v1/payment-methods/digital-wallets/{id} # Unlink digital wallet

# Payment Method Validation
POST   /v1/payment-methods/validate         # Validate payment method before saving
GET    /v1/payment-methods/supported        # Get supported payment methods by region

5. Transaction & Payment Processing APIs

yaml

# Peer-to-Peer Payments
POST   /v1/transactions/p2p/send            # Send money to another user
POST   /v1/transactions/p2p/request         # Request money from user
POST   /v1/transactions/p2p/accept          # Accept payment request
POST   /v1/transactions/p2p/decline         # Decline payment request
POST   /v1/transactions/p2p/cancel          # Cancel pending payment

# Merchant Payments
POST   /v1/transactions/merchant/pay        # Pay merchant
POST   /v1/transactions/merchant/checkout   # Create checkout session
GET    /v1/transactions/merchant/{id}/status # Get payment status
POST   /v1/transactions/merchant/{id}/refund # Refund merchant payment

# Transaction History
GET    /v1/transactions                     # List all transactions
GET    /v1/transactions/{transactionId}     # Get transaction details
GET    /v1/transactions/pending             # Get pending transactions
GET    /v1/transactions/scheduled           # Get scheduled transactions
GET    /v1/transactions/export              # Export transactions (CSV, PDF)

# Transaction Management
POST   /v1/transactions/{id}/cancel         # Cancel transaction
POST   /v1/transactions/{id}/reverse        # Reverse transaction
GET    /v1/transactions/{id}/receipt        # Get transaction receipt
POST   /v1/transactions/{id}/receipt/email  # Email receipt
POST   /v1/transactions/{id}/dispute        # Dispute transaction (shortcut)

# Bulk Payments
POST   /v1/transactions/bulk/create         # Create bulk payment batch
GET    /v1/transactions/bulk/{batchId}      # Get bulk payment status
POST   /v1/transactions/bulk/{batchId}/cancel # Cancel bulk payment
GET    /v1/transactions/bulk/{batchId}/items # Get individual items in batch

# Recurring Payments
POST   /v1/transactions/recurring           # Create recurring payment
GET    /v1/transactions/recurring           # List recurring payments
GET    /v1/transactions/recurring/{id}      # Get recurring payment details
PUT    /v1/transactions/recurring/{id}      # Update recurring payment
POST   /v1/transactions/recurring/{id}/pause # Pause recurring payment
POST   /v1/transactions/recurring/{id}/resume # Resume recurring payment
DELETE /v1/transactions/recurring/{id}      # Delete recurring payment
GET    /v1/transactions/recurring/{id}/history # Get execution history

# Payment Links
POST   /v1/payment-links                    # Create payment link
GET    /v1/payment-links/{id}               # Get payment link details
PUT    /v1/payment-links/{id}               # Update payment link
DELETE /v1/payment-links/{id}               # Deactivate payment link
GET    /v1/payment-links                    # List all payment links
POST   /v1/payment-links/{id}/send          # Send payment link via email/SMS

6. Multi-Currency & Exchange APIs

yaml

# Currency Operations
GET    /v1/currencies/supported             # Get supported currencies
GET    /v1/currencies/rates                 # Get current exchange rates
GET    /v1/currencies/rates/historical      # Get historical rates
POST   /v1/currencies/convert               # Convert currency (preview)
GET    /v1/currencies/{code}/info           # Get currency info

# Currency Conversion
POST   /v1/wallets/{walletId}/convert       # Convert balance between currencies
GET    /v1/wallets/{walletId}/convert/quote # Get conversion quote
GET    /v1/wallets/{walletId}/convert/history # Get conversion history

# Multi-Currency Settings
GET    /v1/users/{userId}/preferred-currency # Get preferred currency
PUT    /v1/users/{userId}/preferred-currency # Set preferred currency
GET    /v1/users/{userId}/currency-balances  # Get all currency balances

7. Fraud Detection & Security APIs

yaml

# Fraud Monitoring
POST   /v1/fraud/analyze                    # Analyze transaction for fraud
GET    /v1/fraud/risk-score/{transactionId} # Get fraud risk score
POST   /v1/fraud/report                     # Report suspicious activity
GET    /v1/fraud/alerts                     # Get fraud alerts for user

# Device Management
GET    /v1/devices                          # List registered devices
POST   /v1/devices                          # Register new device
DELETE /v1/devices/{deviceId}               # Remove device
GET    /v1/devices/current                  # Get current device info
POST   /v1/devices/{deviceId}/trust         # Mark device as trusted
POST   /v1/devices/{deviceId}/block         # Block device

# Security Settings
GET    /v1/security/settings                # Get security settings
PUT    /v1/security/settings                # Update security settings
GET    /v1/security/sessions                # Get active sessions
DELETE /v1/security/sessions/{sessionId}    # Revoke session
DELETE /v1/security/sessions                # Revoke all sessions

# Login History & Audit
GET    /v1/security/login-history           # Get login history
GET    /v1/security/activity-log            # Get account activity log
POST   /v1/security/verify-location         # Verify login from new location

8. Disputes & Chargebacks APIs

yaml

# Dispute Management
POST   /v1/disputes                         # Create dispute
GET    /v1/disputes                         # List disputes
GET    /v1/disputes/{disputeId}             # Get dispute details
PUT    /v1/disputes/{disputeId}             # Update dispute
POST   /v1/disputes/{disputeId}/evidence    # Submit evidence
POST   /v1/disputes/{disputeId}/escalate    # Escalate dispute
POST   /v1/disputes/{disputeId}/resolve     # Resolve dispute
POST   /v1/disputes/{disputeId}/close       # Close dispute

# Dispute Communication
GET    /v1/disputes/{disputeId}/messages    # Get dispute messages
POST   /v1/disputes/{disputeId}/messages    # Send message in dispute
POST   /v1/disputes/{disputeId}/documents   # Upload supporting documents
GET    /v1/disputes/{disputeId}/timeline    # Get dispute timeline

# Chargeback Management
GET    /v1/chargebacks                      # List chargebacks
GET    /v1/chargebacks/{chargebackId}       # Get chargeback details
POST   /v1/chargebacks/{chargebackId}/accept # Accept chargeback
POST   /v1/chargebacks/{chargebackId}/contest # Contest chargeback
POST   /v1/chargebacks/{chargebackId}/evidence # Submit evidence for chargeback

9. Buyer & Seller Protection APIs

yaml

# Buyer Protection
POST   /v1/protection/buyer/claim           # File buyer protection claim
GET    /v1/protection/buyer/claims          # List buyer claims
GET    /v1/protection/buyer/claims/{id}     # Get claim details
POST   /v1/protection/buyer/claims/{id}/evidence # Submit evidence
GET    /v1/protection/buyer/eligibility     # Check eligibility

# Seller Protection
POST   /v1/protection/seller/claim          # File seller protection claim
GET    /v1/protection/seller/claims         # List seller claims
GET    /v1/protection/seller/claims/{id}    # Get claim details
POST   /v1/protection/seller/claims/{id}/proof-of-shipment # Submit shipment proof
GET    /v1/protection/seller/eligibility    # Check eligibility

# Protection Policies
GET    /v1/protection/policies              # Get protection policies
GET    /v1/protection/policies/buyer        # Get buyer protection policy
GET    /v1/protection/policies/seller       # Get seller protection policy
GET    /v1/protection/coverage/{transactionId} # Check protection coverage

10. Merchant Services APIs

yaml

# Merchant Account Management
POST   /v1/merchants/register               # Register as merchant
GET    /v1/merchants/{merchantId}           # Get merchant profile
PUT    /v1/merchants/{merchantId}           # Update merchant profile
GET    /v1/merchants/{merchantId}/verification # Get verification status

# Business Information
POST   /v1/merchants/{merchantId}/business  # Add business info
PUT    /v1/merchants/{merchantId}/business  # Update business info
POST   /v1/merchants/{merchantId}/documents # Upload business documents
GET    /v1/merchants/{merchantId}/documents # Get uploaded documents

# Payment Processing
POST   /v1/merchants/{merchantId}/checkout/create # Create checkout session
POST   /v1/merchants/{merchantId}/checkout/{id}/complete # Complete checkout
POST   /v1/merchants/{merchantId}/checkout/{id}/cancel # Cancel checkout
GET    /v1/merchants/{merchantId}/checkouts # List checkout sessions

# Invoice Management
POST   /v1/merchants/{merchantId}/invoices  # Create invoice
GET    /v1/merchants/{merchantId}/invoices  # List invoices
GET    /v1/merchants/{merchantId}/invoices/{id} # Get invoice
PUT    /v1/merchants/{merchantId}/invoices/{id} # Update invoice
DELETE /v1/merchants/{merchantId}/invoices/{id} # Delete invoice
POST   /v1/merchants/{merchantId}/invoices/{id}/send # Send invoice
POST   /v1/merchants/{merchantId}/invoices/{id}/remind # Send reminder
POST   /v1/merchants/{merchantId}/invoices/{id}/mark-paid # Mark as paid

# Subscription Management
POST   /v1/merchants/{merchantId}/subscriptions # Create subscription plan
GET    /v1/merchants/{merchantId}/subscriptions # List subscription plans
PUT    /v1/merchants/{merchantId}/subscriptions/{id} # Update plan
DELETE /v1/merchants/{merchantId}/subscriptions/{id} # Delete plan
GET    /v1/merchants/{merchantId}/subscribers # List subscribers
POST   /v1/merchants/{merchantId}/subscribers/{id}/cancel # Cancel subscription

# Settlement & Payouts
GET    /v1/merchants/{merchantId}/balance   # Get merchant balance
POST   /v1/merchants/{merchantId}/payouts   # Request payout
GET    /v1/merchants/{merchantId}/payouts   # List payouts
GET    /v1/merchants/{merchantId}/payouts/{id} # Get payout details
GET    /v1/merchants/{merchantId}/settlements # Get settlement reports

11. Notifications & Webhooks APIs

yaml

# Notification Management
GET    /v1/notifications                    # Get user notifications
GET    /v1/notifications/unread             # Get unread notifications
PUT    /v1/notifications/{id}/read          # Mark as read
PUT    /v1/notifications/read-all           # Mark all as read
DELETE /v1/notifications/{id}               # Delete notification
GET    /v1/notifications/preferences        # Get notification preferences
PUT    /v1/notifications/preferences        # Update preferences

# Webhook Management
POST   /v1/webhooks                         # Register webhook endpoint
GET    /v1/webhooks                         # List webhooks
GET    /v1/webhooks/{webhookId}             # Get webhook details
PUT    /v1/webhooks/{webhookId}             # Update webhook
DELETE /v1/webhooks/{webhookId}             # Delete webhook
POST   /v1/webhooks/{webhookId}/test        # Test webhook
GET    /v1/webhooks/{webhookId}/deliveries  # Get delivery attempts
POST   /v1/webhooks/{webhookId}/retry       # Retry failed delivery

# Email & SMS
POST   /v1/communications/email             # Send email
POST   /v1/communications/sms               # Send SMS
GET    /v1/communications/templates         # Get message templates
GET    /v1/communications/history           # Get communication history

12. Reporting & Analytics APIs

yaml

# Transaction Reports
GET    /v1/reports/transactions             # Get transaction report
GET    /v1/reports/transactions/summary     # Get transaction summary
GET    /v1/reports/transactions/export      # Export transactions
GET    /v1/reports/revenue                  # Get revenue report
GET    /v1/reports/fees                     # Get fees report

# Financial Reports
GET    /v1/reports/balance-history          # Get balance history
GET    /v1/reports/cash-flow                # Get cash flow report
GET    /v1/reports/tax-documents            # Get tax documents (1099-K, etc.)
GET    /v1/reports/statements               # Get account statements
POST   /v1/reports/statements/generate      # Generate statement

# Analytics
GET    /v1/analytics/dashboard              # Get dashboard metrics
GET    /v1/analytics/transactions           # Get transaction analytics
GET    /v1/analytics/users                  # Get user analytics
GET    /v1/analytics/revenue                # Get revenue analytics
GET    /v1/analytics/geographic             # Get geographic distribution

# Merchant Analytics
GET    /v1/merchants/{merchantId}/analytics/sales # Get sales analytics
GET    /v1/merchants/{merchantId}/analytics/customers # Get customer analytics
GET    /v1/merchants/{merchantId}/analytics/products # Get product analytics
GET    /v1/merchants/{merchantId}/analytics/refunds # Get refund analytics

13. Compliance & Regulatory APIs

yaml

# Tax Management
GET    /v1/tax/info                         # Get tax information
PUT    /v1/tax/info                         # Update tax information
POST   /v1/tax/documents                    # Upload tax documents
GET    /v1/tax/forms                        # Get tax forms (W-9, W-8BEN)
POST   /v1/tax/verify                       # Verify tax ID (TIN/EIN)

# AML (Anti-Money Laundering)
POST   /v1/compliance/aml/check             # Perform AML check
GET    /v1/compliance/aml/status            # Get AML verification status
POST   /v1/compliance/aml/report            # File suspicious activity report

# Sanctions Screening
POST   /v1/compliance/sanctions/check       # Check against sanctions lists
GET    /v1/compliance/sanctions/status      # Get sanctions check status

# Transaction Limits
GET    /v1/compliance/limits                # Get transaction limits
GET    /v1/compliance/limits/increase       # Request limit increase
POST   /v1/compliance/limits/verify         # Submit verification for limits

# Regulatory Reports
GET    /v1/compliance/reports               # Get compliance reports
POST   /v1/compliance/reports/generate      # Generate compliance report
GET    /v1/compliance/audit-trail           # Get audit trail

14. Customer Support APIs

yaml

# Support Tickets
POST   /v1/support/tickets                  # Create support ticket
GET    /v1/support/tickets                  # List tickets
GET    /v1/support/tickets/{ticketId}       # Get ticket details
POST   /v1/support/tickets/{ticketId}/messages # Add message to ticket
PUT    /v1/support/tickets/{ticketId}/close # Close ticket
POST   /v1/support/tickets/{ticketId}/reopen # Reopen ticket

# Help & FAQ
GET    /v1/support/faq                      # Get FAQ articles
GET    /v1/support/faq/{id}                 # Get specific FAQ
GET    /v1/support/articles                 # Get help articles
GET    /v1/support/articles/search          # Search articles

# Live Chat
POST   /v1/support/chat/initiate            # Start chat session
POST   /v1/support/chat/{sessionId}/message # Send chat message
GET    /v1/support/chat/{sessionId}/history # Get chat history
POST   /v1/support/chat/{sessionId}/end     # End chat session

15. Administration & Platform Management APIs

yaml

# User Administration
GET    /v1/admin/users                      # List all users (admin)
GET    /v1/admin/users/{userId}             # Get user details (admin)
PUT    /v1/admin/users/{userId}/status      # Update user status
POST   /v1/admin/users/{userId}/suspend     # Suspend user
POST   /v1/admin/users/{userId}/unsuspend   # Unsuspend user
POST   /v1/admin/users/{userId}/verify      # Manually verify user

# Transaction Administration
GET    /v1/admin/transactions               # List all transactions
GET    /v1/admin/transactions/flagged       # Get flagged transactions
POST   /v1/admin/transactions/{id}/review   # Review transaction
POST   /v1/admin/transactions/{id}/approve  # Approve transaction
POST   /v1/admin/transactions/{id}/reject   # Reject transaction

# System Configuration
GET    /v1/admin/config                     # Get system configuration
PUT    /v1/admin/config                     # Update system configuration
GET    /v1/admin/features                   # Get feature flags
PUT    /v1/admin/features/{feature}/toggle  # Toggle feature flag

# Monitoring & Health
GET    /v1/health                           # Health check endpoint
GET    /v1/health/detailed                  # Detailed health check
GET    /v1/metrics                          # System metrics
GET    /v1/status                           # System status page

16. Integration & Developer APIs

# API Keys Management
POST   /v1/api-keys                         # Create API key
GET    /v1/api-keys                         # List API keys
GET    /v1/api-keys/{keyId}                 # Get API key details
PUT    /v1/api-keys/{keyId}                 # Update API key
DELETE /v1/api-keys/{keyId}                 # Revoke API key
POST   /v1/api-keys/{keyId}/rotate          # Rotate API key

# SDK & Libraries
GET    /v1/sdk/versions                     # Get SDK versions
GET    /v1/sdk/{platform}/download          # Download SDK

# API Documentation
GET    /v1/docs                             # API documentation
GET    /v1/docs/openapi                     # OpenAPI specification
GET    /v1/docs/postman                     # Postman collection

# Sandbox & Testing
POST   /v1/sandbox/test-transaction         # Create test transaction
POST   /v1/sandbox/simulate-fraud           # Simulate fraud scenario
POST   /v1/sandbox/simulate-dispute         # Simulate dispute
DELETE /v1/sandbox/reset                    # Reset sandbox data

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