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

# Create or reuse a payment intent



## OpenAPI

````yaml post /v1/payment-intents
openapi: 3.1.0
info:
  title: ReconLayer API
  version: 0.1.0
  summary: API-first reconciliation platform with dashboard-optional integration.
  description: >
    ReconLayer is designed to work headlessly.


    The dashboard is one consumer of this API, not the platform boundary.


    Organization resolution currently uses the `x-organization-id` header for
    development.

    In production, the intended model is:


    - dashboard requests authenticate through Clerk and the backend resolves the
    organization from the session

    - headless clients authenticate with API keys mapped to an organization

    - each API key can carry scopes for read/write/export/admin permissions


    Client write endpoints also use request-level idempotency.

    The client must generate an `Idempotency-Key` before the first attempt and

    reuse the same key on every retry of that same request.


    The route structure mirrors the domain:


    - `payment-intents` for expected payments

    - `reconciliation-cases` for reconciliation truth and workflow

    - `webhooks` for provider callbacks

    - `outbound-webhook-*` for client callback subscriptions and delivery
    tracking
servers:
  - url: https://api.reconlayer.com
security: []
tags:
  - name: dashboard
  - name: health
  - name: imports
  - name: outbound-webhooks
  - name: payment-intents
  - name: reconciliation-cases
  - name: integrations
  - name: settings
  - name: webhooks
paths:
  /v1/payment-intents:
    post:
      tags:
        - payment-intents
      summary: Create or reuse a payment intent
      parameters:
        - schema:
            type: string
            minLength: 1
          in: header
          name: authorization
          required: false
        - schema:
            type: string
            minLength: 1
          in: header
          name: x-organization-id
          required: false
        - schema:
            type: string
            minLength: 1
          in: header
          name: idempotency-key
          required: true
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                externalReference:
                  type: string
                  minLength: 1
                sourceAmount:
                  type: string
                  pattern: ^-?\d+(\.\d+)?$
                sourceCurrency:
                  type: string
                  minLength: 2
                  maxLength: 12
                destinationAmount:
                  type: string
                  pattern: ^-?\d+(\.\d+)?$
                destinationCurrency:
                  type: string
                  minLength: 2
                  maxLength: 12
                beneficiaryAccount:
                  type: string
                  minLength: 1
                beneficiaryName:
                  type: string
                  minLength: 1
                paymentType:
                  type: string
                  enum:
                    - stablecoin
                    - bank
                    - cross_border
                    - other
                paymentSubtype:
                  type: string
                  minLength: 1
                clientCompletedAt:
                  type: string
                  format: date-time
                  pattern: >-
                    ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$
                statusOnClientSide:
                  type: string
                  enum:
                    - completed
                    - failed
                    - reversed
                bridgeTransferId:
                  type: string
                  minLength: 1
                txHash:
                  type: string
                  minLength: 1
                chain:
                  type: string
                  enum:
                    - polygon
                stablecoin:
                  type: string
                  enum:
                    - USDC
                expectedFxRate:
                  type: string
                  pattern: ^-?\d+(\.\d+)?$
                developerFeeExpected:
                  type: string
                  pattern: ^-?\d+(\.\d+)?$
                metadata:
                  type: object
                  propertyNames:
                    type: string
                  additionalProperties: {}
              required:
                - externalReference
                - sourceAmount
                - sourceCurrency
                - destinationAmount
                - destinationCurrency
                - beneficiaryAccount
                - clientCompletedAt
                - statusOnClientSide
              additionalProperties: false
      responses:
        '200':
          description: Default Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/def-2'
        '201':
          description: Default Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/def-2'
        '400':
          description: Default Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/def-98'
        '409':
          description: Default Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/def-98'
components:
  schemas:
    def-2:
      type: object
      required:
        - caseId
        - paymentIntentId
        - externalReference
        - status
        - verdict
        - outcome
      properties:
        caseId:
          type: string
        paymentIntentId:
          type: string
        externalReference:
          type: string
        status:
          type: string
          enum:
            - reconciling
        verdict:
          anyOf:
            - {}
            - type: 'null'
        outcome:
          type: string
          enum:
            - created
            - reused
      title: PaymentIntentCreateResponse
    def-98:
      type: object
      required:
        - error
      properties:
        error:
          type: string
        message:
          type: string
        issues:
          type: array
          items:
            type: object
            additionalProperties: true
        details:
          type: object
          additionalProperties: true
        upstreamStatus:
          type: integer
      additionalProperties: true
      title: ApiErrorResponse

````