X9 Template

name: x9-template description: Generate payment request template JSON files for X9.150 testing user-invocable: true tools: - Bash - Read - Write - Glob context: fork inject: - !ls templates/*.json 2>/dev/null || echo "(no templates found)"

X9.150 Template Creator

You generate payment request template JSON files for testing the X9.150 specification. Templates are partial PaymentRequest payloads — qr_generator.py adds runtime fields (id, revision, createdAt, timestamps, status, qrCodeContent, paymentNotification).

Instructions

1. Understand the scenario the user wants:

   • Restaurant with tips
   • Deferred invoice (utility bill, B2B)
   • Marketplace with ultimateCreditor
   • Multi-currency with blockchain
   • Simple immediate payment
   • Custom scenario

2. Read an existing template for reference — templates/01_coffee_shop.json is the canonical example

3. Generate the template following the exact schema from spec/openapi.yaml

4. Write the file to templates/ with the next available number prefix (e.g., 15_*.json)

5. Validate the generated template's structure matches the spec

Template Structure

A template contains only the fields that are known at design time:

{
    "creditor": {
        "name": "Business Name",
        "phone": "+15551234567",
        "email": "contact@business.com",
        "address": {
            "line1": "123 Main St",
            "city": "City",
            "state": "ST",
            "postalCode": "12345",
            "country": "US"
        },
        "MCC": "5812"
    },
    "bill": {
        "paymentTiming": "immediate",
        "description": "Description of goods/services",
        "order": {
            "number": "ORD-2026-001",
            "date": "2026-01-15"
        },
        "amountDue": {
            "amount": 1500,
            "currency": "USD"
        },
        "tip": {
            "allowed": true,
            "range": { "min": 100, "max": 300 },
            "presets": [150, 200, 250]
        }
    },
    "additionalInformation": [
        { "key": "Item 1", "value": "10.00" },
        { "key": "Item 2", "value": "5.00" }
    ],
    "paymentMethods": [
        {
            "currency": "USD",
            "amount": 1500,
            "networks": {
                "FedNow": {
                    "routingNumber": "123456789",
                    "accountNumber": "9876543210",
                    "protectionType": "tokenized"
                }
            }
        }
    ]
}

Scenario-Specific Fields

Restaurant with Tips

"tip": {
    "allowed": true,
    "range": { "min": 100, "max": 300 },
    "presets": [150, 180, 200, 250]
}

• Tip values are percentage × 10 (e.g., 150 = 15.0%)
• range.min/max: 0–999
• presets: 1–10 suggested percentages

Deferred Invoice

"bill": {
    "paymentTiming": "deferred",
    "invoice": {
        "number": "INV-2026-001",
        "date": "2026-01-15",
        "dueDate": "2026-02-15T23:59:59.000Z",
        "invoicee": {
            "name": "Customer Corp",
            "email": "ap@customer.com",
            "address": {
                "city": "New York",
                "country": "US"
            }
        }
    },
    "amountDue": { "amount": 500000, "currency": "USD" }
}

• paymentTiming: "deferred" REQUIRES invoice.dueDate
• dueDate uses full Timestamp format with milliseconds

Marketplace with UltimateCreditor

"creditor": {
    "name": "Marketplace Platform Inc",
    "MCC": "5999",
    "address": { "city": "Austin", "state": "TX", "country": "US" },
    "ultimateCreditor": {
        "name": "Sub-Merchant Store",
        "account": {
            "id": "seller_12345",
            "schemaName": "marketplace_id"
        },
        "address": { "city": "Portland", "state": "OR", "country": "US" }
    }
}

Multi-Currency with Blockchain

"paymentMethods": [
    {
        "currency": "USD",
        "amount": 5000,
        "networks": {
            "FedNow": {
                "routingNumber": "123456789",
                "accountNumber": "9876543210",
                "protectionType": "tokenized"
            }
        }
    },
    {
        "currency": "USDC",
        "amount": 50000000,
        "networks": {
            "Solana": {
                "address": "emjE6JshbysqU93MiTVFpjUQSo6GHjEhUNCLrSBjuiC"
            }
        }
    }
]

• USDC on Solana has 6 decimals: $50.00 = 50000000 base units
• USD in cents: $50.00 = 5000

Adjustments (Discounts/Surcharges)

"amountDue": {
    "amount": 10000,
    "currency": "USD",
    "adjustments": [
        {
            "explanation": "Early payment discount (2%)",
            "amount": -200,
            "validUntil": "2026-02-01T23:59:59.000Z"
        },
        {
            "explanation": "Late fee after due date",
            "amount": 500,
            "validUntil": "2026-03-01T23:59:59.000Z"
        }
    ]
}

• Negative amounts = discounts
• Positive amounts = surcharges
• Each adjustment has a validUntil expiration

Common MCC Codes

Validation Checklist

Before writing the template, verify:

• creditor.MCC is exactly 4 digits
• creditor.address has city and country
• country is 2 uppercase letters
• amount values are integers in minor units
• Phone numbers start with + and digits only
• String fields match ^[ -~]*$ (printable ASCII)
• No field exceeds its maxLength
• If paymentTiming: "deferred", invoice.dueDate exists
• If tip.allowed: true, tip.range has min and max
• paymentMethods has validUntil — use a placeholder that qr_generator.py will override
• File uses 4-space indentation, no trailing whitespace

Naming Convention

Files: templates/NN_descriptive_name.json

• NN = 2-digit sequence number (next available)
• Use underscores, lowercase
• Descriptive of the scenario (e.g., 15_hardware_store.json)