> ## 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. # Complete membership activation payment > After Stripe.js confirms the PaymentIntent, submit the validated billing contact details. The backend retrieves Stripe's canonical state, verifies ownership, amount, currency, and payment method, then records the transaction and activates the membership for succeeded card payments or processing ACH payments. ## OpenAPI ````yaml /api/creditor.openapi.yaml post /account-profile/billing/payment-intents/{platformBillingPaymentSession}/complete openapi: 3.1.0 info: title: YouNegotiate Creditor API version: '2.0' description: >- Stateless API endpoints for creditor portal authentication and account access. servers: - url: https://api.creditor.younegotiate.com description: Production security: [] tags: - name: System description: Public creditor domain system and health endpoints. - name: Authentication description: Creditor registration, login, password, and email verification endpoints. - name: Account Settings description: >- Authenticated creditor profile, contact, operating-hours, and profile-image endpoints. - name: Account Profile description: >- Creditor onboarding profile, membership, billing, and setup status endpoints. - name: Setup Wizard description: >- Creditor setup wizard status, required-step completion, and optional-step completion. - name: Dashboard description: Creditor dashboard work queues and performance widgets. - name: Import / Export description: >- Creditor consumer import upload sessions, queued imports, history, downloads, and failed-row files. - name: Membership Settings description: >- Creditor membership dashboard, plan changes, payment method, cancellation, special-plan inquiry, and over-limit retry endpoints. - name: Merchant Account description: >- Existing merchant processor credentials, Tilled onboarding, and merchant application endpoints. - name: Header Profiles description: >- CSV header profile upload, mapping, download, and setup wizard completion endpoints. - name: SFTP Connections description: >- Creditor-managed SFTP connection profiles for imports, exports, and setup wizard completion. - name: Sub Accounts description: >- Creditor-managed sub account list, export, create, update, and delete endpoints. - name: Pay Terms Offers description: >- Creditor-managed master, sub-account, group, and group-sub-account Pay Terms endpoints. - name: Individual Custom Offers description: Creditor individual custom offer list endpoints. - name: Negotiations description: >- Creditor negotiation work queues, including notice responses and offer review counts. - name: Communications / CFPB Validation Letter description: >- CFPB Validation Letter tables, secure EcoLetter send/resend, CSV export, and print/download actions. - name: Communications / EcoLetter Template description: >- Creditor EcoLetter template management for secure eLetter communications and campaigns. - name: Communications / Groups description: >- Creditor communication group management for dynamic consumer targeting and campaign selection. - name: Communications / Schedule Campaign description: >- Creditor EcoLetter campaign scheduling, quote, immediate send, and delivery queue endpoints. - name: Communications / Campaign Tracker description: >- Creditor campaign tracker reporting, refresh, and consumer export endpoints. - name: Consumer Profiles description: Creditor Consumer Profiles list, filter options, and CSV export endpoints. - name: Terms & Conditions description: Creditor-managed master and sub-account Terms & Conditions templates. - name: About Us & Contact description: Creditor-managed company About Us content shown to consumers. - name: Logo & Links description: >- Creditor-managed master and sub-account personalized logo colors, size, and consumer link metadata. - name: Users description: >- Master creditor user management, invitations, and account deletion endpoints. paths: /account-profile/billing/payment-intents/{platformBillingPaymentSession}/complete: post: tags: - Account Profile summary: Complete membership activation payment description: >- After Stripe.js confirms the PaymentIntent, submit the validated billing contact details. The backend retrieves Stripe's canonical state, verifies ownership, amount, currency, and payment method, then records the transaction and activates the membership for succeeded card payments or processing ACH payments. operationId: creditorCompleteMembershipActivationPaymentIntent parameters: - name: platformBillingPaymentSession in: path required: true description: >- Local platform billing payment session ID returned by the create endpoint. schema: type: integer requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CompleteMembershipActivationPaymentRequest' responses: '200': description: Membership payment reconciled and membership activated. content: application/json: schema: $ref: >- #/components/schemas/CompleteMembershipActivationPaymentResponse '401': $ref: '#/components/responses/Unauthenticated' '404': $ref: '#/components/responses/NotFound' '422': $ref: '#/components/responses/ValidationError' '502': $ref: '#/components/responses/PlatformBillingUnavailable' security: - bearerAuth: [] components: schemas: CompleteMembershipActivationPaymentRequest: type: object required: - first_name - last_name - address - city - state - zip - accept_terms_and_conditions properties: first_name: type: string minLength: 2 maxLength: 20 pattern: ^[A-Za-z]+$ last_name: type: string minLength: 2 maxLength: 30 pattern: ^[A-Za-z]+$ address: type: string minLength: 2 maxLength: 100 address2: type: - string - 'null' minLength: 2 maxLength: 100 city: type: string minLength: 2 maxLength: 30 pattern: '^[A-Za-z]+(?: [A-Za-z]+)*$' state: type: string minLength: 2 maxLength: 2 zip: type: string pattern: ^\d{5}(?:-\d{4})?$ accept_terms_and_conditions: type: boolean CompleteMembershipActivationPaymentResponse: type: object required: - message - data properties: message: type: string example: Membership activated successfully! data: type: object required: - status - company_membership - transaction - payment_method properties: status: type: string enum: - processing - succeeded company_membership: $ref: '#/components/schemas/CompanyMembership' transaction: $ref: '#/components/schemas/MembershipTransaction' payment_method: $ref: '#/components/schemas/PlatformBillingPaymentMethod' CompanyMembership: type: object additionalProperties: true properties: id: type: integer company_id: type: integer membership_id: type: integer next_membership_plan_id: type: integer nullable: true status: type: string nullable: true current_plan_start: type: string format: date-time nullable: true current_plan_end: type: string format: date-time nullable: true cancelled_at: type: string format: date-time nullable: true membership: anyOf: - $ref: '#/components/schemas/CreditorMembership' - type: 'null' next_membership_plan: anyOf: - $ref: '#/components/schemas/CreditorMembership' - type: 'null' created_at: type: string format: date-time nullable: true updated_at: type: string format: date-time nullable: true MembershipTransaction: type: object additionalProperties: true properties: id: type: integer company_id: type: integer membership_id: type: integer payment_purpose: type: string nullable: true enum: - renewal - reactivation - plan_change status: type: string price: type: number format: float provider: type: string nullable: true example: stripe provider_transaction_id: type: string nullable: true example: pi_123 platform_status: type: string nullable: true enum: - requires_payment_method - requires_confirmation - requires_action - processing - requires_capture - succeeded - canceled - unknown failure_code: type: string nullable: true plan_start_date: type: string format: date-time nullable: true plan_end_date: type: string format: date-time nullable: true partner_revenue_share: type: integer created_at: type: string format: date-time nullable: true updated_at: type: string format: date-time nullable: true PlatformBillingPaymentMethod: type: object required: - id - payment_method - last_four_digit properties: id: type: integer payment_method: type: string enum: - cc - ach account_type: type: - string - 'null' enum: - checking - savings - null last_four_digit: type: string minLength: 4 maxLength: 4 expiry: type: - string - 'null' example: 12/2030 brand: type: - string - 'null' example: visa bank_name: type: - string - 'null' example: STRIPE TEST BANK payment_method_saved_at: type: - string - 'null' format: date-time MessageResponse: type: object required: - message properties: message: type: string ValidationErrorResponse: type: object required: - message - errors properties: message: type: string errors: type: object additionalProperties: type: array items: type: string CreditorMembership: type: object additionalProperties: true properties: id: type: integer company_id: type: integer nullable: true name: type: string price: type: number format: float fee: type: number format: float e_letter_fee: type: number format: float upload_accounts_limit: type: integer nullable: true frequency: type: string nullable: true description: type: string nullable: true features: nullable: true status: type: boolean position: type: integer nullable: true created_at: type: string format: date-time nullable: true updated_at: type: string format: date-time nullable: true responses: Unauthenticated: description: Missing or invalid bearer token. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' NotFound: description: Resource not found. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' ValidationError: description: Request validation failed. content: application/json: schema: $ref: '#/components/schemas/ValidationErrorResponse' PlatformBillingUnavailable: description: Stripe platform billing is temporarily unavailable. content: application/json: schema: type: object required: - code - message properties: code: type: string enum: - platform_billing_unavailable message: type: string example: Platform billing is temporarily unavailable. Please try again. securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: Sanctum token ````