{"openapi":"3.1.0","info":{"title":"POST /api/v1/customers/analyze-payment-behavior","version":"1.0.0","description":"AI payment behavior analysis"},"servers":[{"url":"https://api.ondayzero.com","description":"Production"}],"paths":{"/api/v1/customers/analyze-payment-behavior":{"post":{"tags":["customers"],"summary":"AI payment behavior analysis","description":"Get AI-powered customer payment behavior analysis.","operationId":"analyze_payment_behavior","parameters":[{"name":"authorization","in":"header","required":false,"schema":{"anyOf":[{"type":"string"},{"type":"null"}],"title":"Authorization"}},{"name":"x-business-id","in":"header","required":false,"schema":{"anyOf":[{"type":"string"},{"type":"null"}],"title":"X-Business-Id"}}],"responses":{"201":{"description":"Successful Response","content":{"application/json":{"schema":{"$ref":"#/components/schemas/SuccessEnvelope_AnalyzePaymentBehaviorResponse_"}}}},"401":{"description":"Unauthorized - Missing or expired token, an MCP OAuth token used against the REST API, or no access to this business","content":{"application/json":{"example":{"error":"unauthorized","message":"Authentication required","code":"AUTH_001","request_id":"3f0e7c2a-9b4d-4e1a-8c6f-2d5b7a1e9c30"},"schema":{"$ref":"#/components/schemas/ErrorResponse"}}}},"403":{"description":"Forbidden - Insufficient permissions","content":{"application/json":{"example":{"error":"forbidden","message":"You don't have permission to access this resource","code":"AUTH_002","request_id":"3f0e7c2a-9b4d-4e1a-8c6f-2d5b7a1e9c30"},"schema":{"$ref":"#/components/schemas/ErrorResponse"}}}},"422":{"description":"Validation Error","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ErrorResponse"},"example":{"error":"validation_error","message":"Validation failed: amount: Input should be a valid integer","errors":{"amount":"Input should be a valid integer"},"code":"GEN_002","request_id":"3f0e7c2a-9b4d-4e1a-8c6f-2d5b7a1e9c30"}}}}},"x-fastapi-operation-id":"analyze_payment_behavior_api_v1_customers_analyze_payment_behavior_post"}}},"components":{"schemas":{"AnalyzePaymentBehaviorResponse":{"properties":{"items":{"items":{"$ref":"#/components/schemas/PaymentBehaviorItem"},"type":"array","title":"Items"}},"type":"object","title":"AnalyzePaymentBehaviorResponse"},"PaymentBehaviorItem":{"properties":{"customer_id":{"type":"string","title":"Customer Id","description":"Customer ID"},"customer_name":{"type":"string","title":"Customer Name","description":"Customer name"},"behavior":{"type":"string","title":"Behavior","description":"early, on_time, late, or delinquent"},"avg_days_to_pay":{"type":"number","title":"Avg Days To Pay","description":"Average days to pay"},"predicted_next_payment":{"anyOf":[{"type":"string"},{"type":"null"}],"title":"Predicted Next Payment","description":"Predicted next payment date"},"risk_score":{"type":"number","maximum":1.0,"minimum":0.0,"title":"Risk Score","description":"Risk score 0-1"},"recommendation":{"type":"string","title":"Recommendation","description":"Recommended action"}},"type":"object","required":["customer_id","customer_name","behavior","avg_days_to_pay","risk_score","recommendation"],"title":"PaymentBehaviorItem"},"SuccessEnvelope_AnalyzePaymentBehaviorResponse_":{"properties":{"success":{"type":"boolean","title":"Success","default":true},"message":{"anyOf":[{"type":"string"},{"type":"null"}],"title":"Message"},"code":{"anyOf":[{"type":"string"},{"type":"null"}],"title":"Code"},"data":{"anyOf":[{"$ref":"#/components/schemas/AnalyzePaymentBehaviorResponse"},{"type":"null"}]}},"additionalProperties":true,"type":"object","title":"SuccessEnvelope[AnalyzePaymentBehaviorResponse]"},"ErrorResponse":{"title":"ErrorResponse","type":"object","description":"Envelope returned by every non-2xx response. Branch on `code` (stable) rather than `message` (human-readable, may change).","required":["error","message","code"],"properties":{"error":{"type":"string","description":"Error category: `validation_error`, `unauthorized`, `forbidden`, `not_found`, `conflict`, `rate_limited`, `server_error`, or `service_unavailable`."},"message":{"type":"string","description":"Human-readable explanation, safe to show to end users."},"code":{"type":"string","description":"Stable machine-readable code in `CATEGORY_NNN` form (e.g. `NOT_FOUND_006`, `AUTH_010`, `GEN_002`)."},"request_id":{"type":"string","description":"Correlation id for support requests. Echoes the `x-request-id` request header when one was supplied."},"errors":{"type":"object","additionalProperties":{"type":"string"},"description":"Field-level validation messages keyed by field name. Present on 400/422 validation failures only."}}}},"securitySchemes":{"BearerAuth":{"type":"http","scheme":"bearer","bearerFormat":"API Token","description":"API token authentication. Format: `Bearer dz_...`"}}},"security":[{"BearerAuth":[]}]}