{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://ucp.vippsmobilepay.com/ucp/2026-01-23/schemas/payment_instrument.json",
  "title": "Vipps MobilePay Payment Instrument",
  "description": "Payment instrument schema for the com.vippsmobilepay.pay.payment_handler payment handler. Supports WALLET (push notification) and CARD (redirect) payment methods.",
  "type": "object",
  "required": ["type"],
  "properties": {
    "type": {
      "enum": ["WALLET", "CARD"],
      "description": "The payment instrument type. WALLET uses push notification flow with customer credentials. CARD uses redirect flow for card payments (no wallet required)."
    },
    "credential": {
      "$ref": "https://ucp.vippsmobilepay.com/ucp/2026-01-23/schemas/wallet_payment_credential.json",
      "description": "The credential information required to process WALLET payments. Required for WALLET type, not used for CARD type."
    },
    "return_url": {
      "type": "string",
      "format": "uri",
      "description": "The URL to redirect the user back to after completing the CARD payment. Required for CARD type. Can be a universal link (e.g., myapp://payment-complete) or website URL (e.g., https://example.com/payment-complete)."
    }
  },
  "allOf": [
    {
      "if": { "properties": { "type": { "const": "WALLET" } } },
      "then": {
        "required": ["credential"],
        "properties": {
          "credential": {
            "description": "Required for WALLET payments. Contains the customer identifier (MSISDN or TOKEN)."
          }
        }
      }
    },
    {
      "if": { "properties": { "type": { "const": "CARD" } } },
      "then": {
        "required": ["return_url"],
        "properties": {
          "return_url": {
            "description": "Required for CARD payments. The URL to redirect the user back to after payment completion."
          }
        }
      }
    }
  ]
}