> ## Documentation Index > Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt > Use this file to discover all available pages before exploring further. # Update scheduled payment profiles > Update one or more owned scheduled/failed payment rows to use either an existing owned payment profile or a new one-time Basis Theory tokenized payment method. ## OpenAPI ````yaml /api/consumer.openapi.yaml patch /bill-pay-wallet/schedule-transactions/payment-profile openapi: 3.1.0 info: title: YouNegotiate Consumer API version: '2.0' description: >- Stateless API endpoints for consumer portal authentication and account access. servers: - url: https://api.consumer.younegotiate.com description: Production security: [] tags: - name: System description: Public consumer domain system and health endpoints. - name: Authentication description: >- Consumer identity matching, contact capture, OTP verification, token creation, and logout endpoints. - name: Profile - My ecoAddress description: Consumer profile tab for signed-in identity / ecoAddress context. - name: Profile - Communication Controls description: >- Consumer profile tab for communication permissions, email/mobile changes, and email/mobile verification. - name: Profile - My Billing Details description: >- Consumer profile tab for billing name and billing address details used for payment verification. - name: Profile - Personalize My Portal description: Consumer profile tab for portal colors and profile image personalization. - name: Accounts description: Consumer-owned account list and account detail endpoints. - name: Bill Pay Wallet description: >- Consumer Bill Pay Wallet saved payment profiles and scheduled payment method update endpoints. - name: Upcoming Payments description: >- Consumer My Bill Pay Calendar upcoming-payment rows and calendar display data. - name: Calendar Sync description: >- Consumer Google and Microsoft calendar connection, OAuth callback, and live-update endpoints. - name: Gift Registry description: >- Consumer Bill Pay Gift Registry account list, shared registry, and Helping Hand link endpoints. - name: EcoMailbox description: Consumer MyEcoMailBox list endpoints and unread sidebar badge state. - name: Notice Responses description: >- Consumer My Account notice-response wizard endpoints for sender details and account details. paths: /bill-pay-wallet/schedule-transactions/payment-profile: patch: tags: - Bill Pay Wallet summary: Update scheduled payment profiles description: >- Update one or more owned scheduled/failed payment rows to use either an existing owned payment profile or a new one-time Basis Theory tokenized payment method. operationId: consumerUpdateBillPayWalletScheduledPaymentProfiles requestBody: required: true content: application/json: schema: $ref: >- #/components/schemas/UpdateBillPayWalletSchedulePaymentProfileRequest responses: '200': description: Scheduled payment profile updated. content: application/json: schema: $ref: >- #/components/schemas/ConsumerBillPayWalletSchedulePaymentProfileMutationResponse '401': $ref: '#/components/responses/Unauthenticated' '409': $ref: '#/components/responses/ProfileIncomplete' '422': $ref: '#/components/responses/ValidationError' security: - bearerAuth: [] components: schemas: UpdateBillPayWalletSchedulePaymentProfileRequest: type: object required: - schedule_transaction_ids properties: schedule_transaction_ids: type: array minItems: 1 description: Owned scheduled/failed schedule transaction IDs to update. items: type: integer payment_profile_id: type: - integer - 'null' description: >- Existing owned payment profile to apply. Required when `new_payment_method` is omitted. new_payment_method: anyOf: - $ref: '#/components/schemas/StoreBillPayWalletPaymentProfileRequest' - type: 'null' description: >- New one-time tokenized method to create and apply. Required when `payment_profile_id` is omitted. ConsumerBillPayWalletSchedulePaymentProfileMutationResponse: type: object required: - message - data properties: message: type: string example: Scheduled payment profile updated. data: type: object required: - updated_count - payment_profile - upcoming_payments properties: updated_count: type: integer example: 2 payment_profile: $ref: '#/components/schemas/ConsumerPaymentProfile' upcoming_payments: type: array items: $ref: '#/components/schemas/ConsumerBillPayWalletUpcomingPayment' StoreBillPayWalletPaymentProfileRequest: type: object required: - first_name - last_name - address - city - state - zip - method - basis_theory_response properties: first_name: type: string maxLength: 255 example: Jane last_name: type: string maxLength: 255 example: Consumer address: type: string maxLength: 255 example: 123 Main St city: type: string maxLength: 255 example: Austin state: type: string example: TX zip: type: string pattern: ^\d{5}(-\d{4})?$ example: '73301' method: $ref: '#/components/schemas/ConsumerPaymentMethod' account_type: type: - string - 'null' enum: - checking - savings - null description: Required when `method` is `ach`. basis_theory_response: $ref: '#/components/schemas/BasisTheoryTokenIntentResponse' ConsumerPaymentProfile: type: object properties: id: type: integer method: $ref: '#/components/schemas/ConsumerPaymentMethod' method_label: type: - string - 'null' example: Card label: type: string example: Card ending in 4242 last_four_digit: type: - string - 'null' account_number_last_four: type: - string - 'null' expiration_month: type: - string - 'null' expiration_year: type: - string - 'null' first_name: type: - string - 'null' last_name: type: - string - 'null' address: type: - string - 'null' city: type: - string - 'null' state: type: - string - 'null' zip: type: - string - 'null' is_saved_for_future_use: type: boolean ConsumerBillPayWalletUpcomingPayment: type: object properties: id: type: integer consumer_id: type: integer company_id: type: - integer - 'null' company_name: type: - string - 'null' account_name: type: - string - 'null' account_number: type: - string - 'null' transaction_type: type: - string - 'null' enum: - pif - installment - partial_pif - null transaction_type_label: type: - string - 'null' example: Plan schedule_date: type: - string - 'null' format: date amount: type: string example: '125.00' amount_label: type: string example: $125.00 status: type: - string - 'null' enum: - scheduled - failed - null status_label: type: - string - 'null' example: Scheduled payment_profile: anyOf: - $ref: '#/components/schemas/ConsumerPaymentProfile' - type: 'null' MessageResponse: type: object required: - message properties: message: type: string ProfileIncompleteResponse: type: object required: - code - message - required_steps properties: code: type: string example: profile_incomplete message: type: string example: Please complete your communication profile before viewing accounts. required_steps: type: array items: type: string example: - profile_communication ValidationErrorResponse: type: object required: - message - errors properties: message: type: string errors: type: object additionalProperties: type: array items: type: string ConsumerPaymentMethod: type: - string - 'null' enum: - cc - ach - null BasisTheoryTokenIntentResponse: type: object required: - id description: >- Basis Theory token intent payload generated by the frontend tokenization flow. The backend verifies this id and converts it to a token when the profile must be reusable. properties: id: type: string example: token_intent_card type: type: - string - 'null' example: card additionalProperties: true responses: Unauthenticated: description: Missing or invalid bearer token. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' ProfileIncomplete: description: >- The authenticated consumer profile must complete communication setup before My Account can be shown. content: application/json: schema: $ref: '#/components/schemas/ProfileIncompleteResponse' ValidationError: description: Request validation failed. content: application/json: schema: $ref: '#/components/schemas/ValidationErrorResponse' securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: Sanctum token ````