curl --request POST \
  --url https://api.consumer.younegotiate.com/accounts/{consumer}/payments/{payment}/skip \
  --header 'Authorization: Bearer <token>'

import requests

url = "https://api.consumer.younegotiate.com/accounts/{consumer}/payments/{payment}/skip"

headers = {"Authorization": "Bearer <token>"}

response = requests.post(url, headers=headers)

print(response.text)

const options = {method: 'POST', headers: {Authorization: 'Bearer <token>'}};

fetch('https://api.consumer.younegotiate.com/accounts/{consumer}/payments/{payment}/skip', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.consumer.younegotiate.com/accounts/{consumer}/payments/{payment}/skip",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://api.consumer.younegotiate.com/accounts/{consumer}/payments/{payment}/skip"

	req, _ := http.NewRequest("POST", url, nil)

	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.consumer.younegotiate.com/accounts/{consumer}/payments/{payment}/skip")
  .header("Authorization", "Bearer <token>")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.consumer.younegotiate.com/accounts/{consumer}/payments/{payment}/skip")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body

{
  "message": "<string>",
  "data": {
    "account": {
      "id": 123,
      "identity": {
        "account_name": "<string>",
        "account_number": "<string>",
        "member_account_number": "<string>",
        "reference_number": "<string>",
        "statement_id_number": "<string>",
        "subclient_account_number": "<string>",
        "consumer_name": "<string>",
        "last4ssn": "<string>"
      },
      "display": {
        "state": {
          "label": "<string>",
          "card_label": "<string>",
          "priority": 123
        },
        "condition": {
          "label": "<string>"
        },
        "view_flags": {
          "is_installment_payment_plan": true,
          "is_scheduled_settlement": true,
          "is_agreed_installment_payment_plan": true,
          "is_agreed_settlement": true,
          "is_cancelled_plan": true,
          "is_declined_closed_negotiation": true,
          "is_pending_settlement_offer": true,
          "is_counter_settlement_offer": true,
          "is_active_installment_offer": true,
          "is_returned_notice_response": true,
          "is_creditor_removed_dispute_no_pay": true,
          "is_no_pay_creditor_removed": true
        },
        "amounts": {
          "payoff_balance": "2125.00",
          "settlement_payoff_balance": "1750.00",
          "current_balance": "2500.00",
          "original_balance": "2500.00",
          "my_settlement_offer": "100.00",
          "creditor_settlement_offer": "490.00",
          "active_installment_payoff_balance": "2125.00"
        },
        "balance_items": [
          {
            "key": "payoff_balance",
            "label": "Payoff Balance",
            "amount": "2125.00",
            "amount_label": "$2,125.00"
          }
        ],
        "offer_summary_items": [
          {
            "key": "payoff_balance",
            "label": "Payoff Balance",
            "amount": "2125.00",
            "amount_label": "$2,125.00"
          }
        ],
        "payment_plan_meta_items": [
          {
            "key": "next_due_date",
            "label": "Next Due Date",
            "value": "Jun 15, 2026"
          }
        ],
        "settlement_schedule_date": "<string>",
        "available_actions": [
          {
            "key": "manage_plan",
            "label": "Manage Plan"
          }
        ]
      },
      "status": {
        "value": "payment_accepted",
        "label": "Payment Plan"
      },
      "hold_reason": "Need a short break from payments.",
      "flags": {
        "payment_setup": true,
        "offer_accepted": true,
        "counter_offer": true,
        "has_failed_payment": true,
        "custom_offer": true,
        "membership_active_account": true
      },
      "dates": {
        "placement_date": "2023-12-25",
        "expiry_date": "2023-12-25",
        "restart_date": "2023-12-25",
        "last_login_at": "2023-11-07T05:31:56Z",
        "disputed_at": "2023-11-07T05:31:56Z",
        "cancelled_at": "2023-11-07T05:31:56Z",
        "deactivated_at": "2023-11-07T05:31:56Z"
      },
      "company": {
        "id": 123,
        "company_name": "<string>",
        "about_us": "<p>ABC Collections works with consumers on flexible repayment options.</p>"
      },
      "subclient": {
        "id": 123,
        "subclient_name": "<string>",
        "unique_identification_number": "<string>"
      },
      "reason_label": "<string>",
      "balances": "<unknown>",
      "offer_summary_items": [
        "<unknown>"
      ],
      "payment_plan_meta_items": [
        "<unknown>"
      ],
      "active_negotiation": {
        "id": 123,
        "negotiation_type_label": "<string>",
        "active_negotiation": true,
        "offer_accepted": true,
        "offer_accepted_at": "2023-11-07T05:31:56Z",
        "counter_offer_accepted": true,
        "first_pay_date": "2023-12-25",
        "monthly_amount": "<string>",
        "no_of_installments": 123,
        "last_month_amount": "<string>",
        "one_time_settlement": "<string>",
        "negotiate_amount": "<string>",
        "counter_one_time_amount": "<string>",
        "counter_negotiate_amount": "<string>",
        "counter_monthly_amount": "<string>",
        "counter_no_of_installments": 123,
        "counter_first_pay_date": "2023-12-25",
        "consumer_offer_sent_at": "2023-11-07T05:31:56Z",
        "creditor_counter_offer_sent_at": "2023-11-07T05:31:56Z",
        "last_offer_type": "<string>"
      },
      "scheduled_payment": {
        "id": 123,
        "date": "2023-12-25",
        "amount": "<string>",
        "status": "<string>"
      },
      "notice_response": {
        "id": 123,
        "account_name": "<string>",
        "account_number": "<string>",
        "notice_balance": "<string>",
        "status": 123,
        "status_label": "<string>",
        "reason_label": "<string>",
        "sender_detail": {
          "id": 123,
          "sender": {
            "id": 123,
            "company_name": "Acme Collections",
            "company_phone": "(900) 509-1111",
            "company_email": "jsmith@example.com",
            "company_address1": "<string>",
            "company_address2": "<string>",
            "company_city": "<string>",
            "company_state": "<string>",
            "company_zip": "<string>",
            "company_url": "<string>"
          }
        }
      },
      "created_at": "2023-11-07T05:31:56Z",
      "updated_at": "2023-11-07T05:31:56Z"
    },
    "summary": {
      "scheduled_count": 2,
      "cancelled_count": 1,
      "transaction_history_count": 3,
      "scheduled_total": "250.00",
      "cancelled_total": "125.00",
      "successful_total": "375.00",
      "failed_total": "0.00",
      "current_balance": "725.25",
      "original_balance": "1000.00",
      "negotiated_balance": "725.25"
    },
    "schedule_plan": {
      "key": "payment_plan",
      "label": "Payment Plan",
      "back_tab": "payment_plans",
      "manage_label": "Manage My Plan",
      "cancel_label": "Cancel Plan",
      "actions": {
        "can_pay_remaining_balance": true,
        "can_generate_helping_hand_link": true,
        "can_generate_helping_hand_qr_code": true,
        "can_make_extra_payment": true,
        "can_change_payment_method": true,
        "can_request_settlement_date": true,
        "can_update_recurring_payment_date": true,
        "can_download_agreement": true,
        "can_hold_plan": true,
        "can_restart_plan": true,
        "can_cancel_plan": true,
        "can_cancel_settlement": true
      },
      "action_items": [
        {
          "key": "pay_now",
          "label": "Pay Now",
          "available": true
        }
      ],
      "cancel_preview": {
        "original_balance": "1000.00",
        "payment_plan_starting_balance": "725.25",
        "payments_made": "125.00",
        "current_balance_due": "875.00"
      },
      "is_on_hold": false,
      "restart_date": "2023-12-25"
    },
    "scheduled_payments": [
      {
        "id": 123,
        "record_type": "scheduled_payment",
        "record_key": "scheduled:12",
        "amount": "125.00",
        "status": {
          "label": "Scheduled"
        },
        "transaction_id": 123,
        "transaction_type_label": "Payment Plan",
        "schedule_date": "2023-12-25",
        "previous_schedule_date": "2023-12-25",
        "is_first_schedule_row": true,
        "is_next_scheduled_payment": true,
        "actions": {
          "can_pay_now": true,
          "can_generate_helping_hand_link": true,
          "can_generate_helping_hand_qr_code": true,
          "can_partial_pay": true,
          "can_change_date": true,
          "can_skip": true,
          "can_reschedule_today": true,
          "can_request_settlement_date": true
        },
        "action_items": [
          {
            "key": "pay_now",
            "label": "Pay Now",
            "available": true
          }
        ],
        "status_code": "<string>",
        "attempt_count": 123,
        "last_attempted_at": "2023-11-07T05:31:56Z",
        "payment_profile": {
          "id": 123,
          "method_label": "Card",
          "label": "Card ending in 4242",
          "last_four_digit": "<string>",
          "account_number_last_four": "<string>",
          "expiration_month": "<string>",
          "expiration_year": "<string>",
          "first_name": "<string>",
          "last_name": "<string>",
          "address": "<string>",
          "city": "<string>",
          "state": "<string>",
          "zip": "<string>",
          "is_saved_for_future_use": true
        },
        "created_at": "2023-11-07T05:31:56Z",
        "updated_at": "2023-11-07T05:31:56Z"
      }
    ],
    "cancelled_payments": [
      {
        "id": 123,
        "record_type": "scheduled_payment",
        "record_key": "scheduled:12",
        "amount": "125.00",
        "status": {
          "label": "Scheduled"
        },
        "transaction_id": 123,
        "transaction_type_label": "Payment Plan",
        "schedule_date": "2023-12-25",
        "previous_schedule_date": "2023-12-25",
        "is_first_schedule_row": true,
        "is_next_scheduled_payment": true,
        "actions": {
          "can_pay_now": true,
          "can_generate_helping_hand_link": true,
          "can_generate_helping_hand_qr_code": true,
          "can_partial_pay": true,
          "can_change_date": true,
          "can_skip": true,
          "can_reschedule_today": true,
          "can_request_settlement_date": true
        },
        "action_items": [
          {
            "key": "pay_now",
            "label": "Pay Now",
            "available": true
          }
        ],
        "status_code": "<string>",
        "attempt_count": 123,
        "last_attempted_at": "2023-11-07T05:31:56Z",
        "payment_profile": {
          "id": 123,
          "method_label": "Card",
          "label": "Card ending in 4242",
          "last_four_digit": "<string>",
          "account_number_last_four": "<string>",
          "expiration_month": "<string>",
          "expiration_year": "<string>",
          "first_name": "<string>",
          "last_name": "<string>",
          "address": "<string>",
          "city": "<string>",
          "state": "<string>",
          "zip": "<string>",
          "is_saved_for_future_use": true
        },
        "created_at": "2023-11-07T05:31:56Z",
        "updated_at": "2023-11-07T05:31:56Z"
      }
    ],
    "transaction_history": [
      {
        "id": 123,
        "transaction_id": "gateway-payment-100",
        "record_type": "transaction_history",
        "record_key": "transaction:44",
        "amount": "250.00",
        "status": {
          "label": "Scheduled"
        },
        "schedule_transaction_id": 123,
        "schedule_date": "2023-12-25",
        "transaction_type_label": "Settlement",
        "payment_profile": {
          "id": 123,
          "method_label": "Card",
          "label": "Card ending in 4242",
          "last_four_digit": "<string>",
          "account_number_last_four": "<string>",
          "expiration_month": "<string>",
          "expiration_year": "<string>",
          "first_name": "<string>",
          "last_name": "<string>",
          "address": "<string>",
          "city": "<string>",
          "state": "<string>",
          "zip": "<string>",
          "is_saved_for_future_use": true
        },
        "processed_at": "2023-11-07T05:31:56Z",
        "created_at": "2023-11-07T05:31:56Z",
        "updated_at": "2023-11-07T05:31:56Z"
      }
    ],
    "calendar_events": [
      {
        "id": 123,
        "title": "Payment Account",
        "start": "2023-12-25",
        "extended_props": {
          "consumer_id": 123,
          "amount": "125.00",
          "raw_amount": 125,
          "payment_method_label": "Card",
          "last4": "<string>",
          "account_number": "<string>",
          "is_on_hold": true,
          "hold_label": "<string>",
          "restart_on": "2023-12-25"
        }
      }
    ],
    "result": "date_updated",
    "next_tab": "payment_plans",
    "payment_profile": {
      "id": 123,
      "method_label": "Card",
      "label": "Card ending in 4242",
      "last_four_digit": "<string>",
      "account_number_last_four": "<string>",
      "expiration_month": "<string>",
      "expiration_year": "<string>",
      "first_name": "<string>",
      "last_name": "<string>",
      "address": "<string>",
      "city": "<string>",
      "state": "<string>",
      "zip": "<string>",
      "is_saved_for_future_use": true
    },
    "negotiation": {
      "id": 123,
      "negotiation_type_label": "<string>",
      "installment_type_label": "<string>",
      "payment_profile_id": 123,
      "payment_plan_current_balance": "<string>",
      "one_time_settlement": "<string>",
      "negotiate_amount": "<string>",
      "monthly_amount": "<string>",
      "no_of_installments": 123,
      "first_pay_date": "2023-12-25"
    }
  }
}

{
  "message": "<string>"
}

{
  "message": "<string>"
}

{
  "message": "<string>"
}

{
  "code": "profile_incomplete",
  "message": "Please complete your communication profile before viewing accounts.",
  "required_steps": [
    "profile_communication"
  ]
}