> ## 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. # Upsert group sub-account Pay Terms > Create or update group Pay Terms scoped to one sub-account and a placement or expiration date rule. These terms override the sub-account default terms only when the consumer matches the sub-account and date rule. Requires at least one imported account and all required setup wizard steps to be complete. ## OpenAPI ````yaml /api/creditor.openapi.yaml put /pay-terms/groups/sub-accounts/{subclient} 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: /pay-terms/groups/sub-accounts/{subclient}: put: tags: - Pay Terms Offers summary: Upsert group sub-account Pay Terms description: >- Create or update group Pay Terms scoped to one sub-account and a placement or expiration date rule. These terms override the sub-account default terms only when the consumer matches the sub-account and date rule. Requires at least one imported account and all required setup wizard steps to be complete. operationId: creditorUpsertGroupSubAccountPayTerms parameters: - $ref: '#/components/parameters/SubclientId' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/GroupPayTermRequest' responses: '200': description: Group sub-account Pay Terms saved. content: application/json: schema: $ref: '#/components/schemas/PayTermMutationResponse' '401': $ref: '#/components/responses/Unauthenticated' '403': $ref: '#/components/responses/ActiveMembershipRequired' '404': $ref: '#/components/responses/NotFound' '422': $ref: '#/components/responses/ValidationError' security: - bearerAuth: [] components: parameters: SubclientId: name: subclient in: path required: true description: Sub account ID. schema: type: integer schemas: GroupPayTermRequest: type: object required: - pif_balance_discount_percent - ppa_balance_discount_percent - min_monthly_pay_percent - max_days_first_pay properties: pif_balance_discount_percent: type: number format: float minimum: 0 maximum: 99 ppa_balance_discount_percent: type: number format: float minimum: 0 maximum: 99 min_monthly_pay_percent: type: number format: float minimum: 1 maximum: 99 max_days_first_pay: type: integer minimum: 1 maximum: 1000 placement_date: $ref: '#/components/schemas/PayTermDateRange' expiry_date: $ref: '#/components/schemas/PayTermDateRange' description: >- At least one complete placement or expiration date range is required. Group terms do not accept auto approve or auto decline rule fields. PayTermMutationResponse: type: object required: - message - data properties: message: type: string example: Master pay terms saved successfully. data: $ref: '#/components/schemas/PayTerm' PayTermDateRange: type: object properties: start: type: string format: date nullable: true end: type: string format: date nullable: true PayTerm: type: object additionalProperties: true properties: id: type: integer type: type: string enum: - master - group - group_subclient - sub_account type_label: type: string terms_name: type: string subclient: oneOf: - $ref: '#/components/schemas/PayTermSubclient' - type: 'null' has_pay_terms: type: boolean pif_balance_discount_percent: type: number format: float nullable: true ppa_balance_discount_percent: type: number format: float nullable: true min_monthly_pay_percent: type: number format: float nullable: true max_days_first_pay: type: integer nullable: true settlement_auto_approve_enabled: type: boolean payment_plan_auto_approve_enabled: type: boolean settlement_auto_decline_enabled: type: boolean payment_plan_auto_decline_enabled: type: boolean pif_auto_approve_percent: type: number format: float nullable: true pif_integrity_percent: type: number format: float nullable: true min_monthly_pay_auto_approve_percent: type: number format: float nullable: true min_monthly_pay_integrity_percent: type: number format: float nullable: true max_days_first_pay_auto_approve: type: integer nullable: true custom_rules: type: object nullable: true description: >- Group/group-sub-account placement and expiration date rules keyed by consumer field name. created_at: type: string format: date-time nullable: true updated_at: type: string format: date-time nullable: true 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 PayTermSubclient: type: object properties: id: type: integer subclient_name: type: string unique_identification_number: type: string responses: Unauthenticated: description: Missing or invalid bearer token. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' ActiveMembershipRequired: description: Authenticated creditor does not have an active membership. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' example: message: An active membership is required. 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' securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: Sanctum token ````