> ## Documentation Index > Fetch the complete documentation index at: https://new.cove.dev/llms.txt > Use this file to discover all available pages before exploring further. # Report Payment > Submit a payment against an active tradeline. This automatically updates the tradeline's `account_status`, `current_balance`, `amount_past_due`, `highest_balance`, `payment_history` (24-month rolling string), and `date_of_first_delinquency`. The response includes the payment record plus a `tradeline_status` snapshot showing the updated tradeline fields. Duplicate payments for the same `(tradeline_id, period_start)` return 409. ## OpenAPI ````yaml POST /payments openapi: 3.0.3 info: title: Cove Data Furnishing API description: > A generic data furnishing API that accepts any recurring payment type (rent, child support, alimony, utilities, etc.) and reports it to credit bureaus (Equifax, TransUnion, Experian) in Metro 2 format. ## Authentication All requests require an `x-api-key` header with a valid API key. - `sk_live_*` keys operate in production mode. - `sk_test_*` keys operate in sandbox mode (data is created but never reaches bureaus). ## Amounts All monetary amounts are in **cents** (USD integers). For example, $45.00 = `4500`. ## Dates All date fields use `YYYY-MM-DD` format. ## Integration Guide For a full walkthrough with curl examples, see the [Integration Guide](./integration-guide.md). version: 1.0.0 contact: name: Cove url: https://cove.dev license: name: Proprietary url: https://cove.dev/terms servers: - url: https://vvdufluovypptsnkihyv.supabase.co/functions/v1 description: Current deployment (Supabase) - url: https://furnish.cove.dev/v1 description: Production (coming soon) - url: https://sandbox-furnish.cove.dev/v1 description: Sandbox (coming soon) security: - ApiKeyAuth: [] tags: - name: Consumers description: >- Manage consumer records (PII). Consumers represent the individuals whose payments are being reported to credit bureaus. - name: Tradelines description: >- Manage tradelines — ongoing payment obligations being reported to credit bureaus. Each tradeline belongs to a consumer and tracks a specific payment type. - name: Payments description: >- Report monthly payments against tradelines. Each payment automatically updates the tradeline's account status, balance, and 24-month payment history. - name: Submissions description: >- Track and manage bureau submission status. Submissions are created automatically or via manual trigger. - name: Webhooks description: Webhook event types and payloads delivered to your configured webhook URL. paths: /payments: post: tags: - Payments summary: Report a payment description: > Submit a payment against an active tradeline. This automatically updates the tradeline's `account_status`, `current_balance`, `amount_past_due`, `highest_balance`, `payment_history` (24-month rolling string), and `date_of_first_delinquency`. The response includes the payment record plus a `tradeline_status` snapshot showing the updated tradeline fields. Duplicate payments for the same `(tradeline_id, period_start)` return 409. operationId: reportPayment requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/PaymentCreate' example: tradeline_id: 660e8400-e29b-41d4-a716-446655440001 payment_date: '2026-02-01' period_start: '2026-02-01' period_end: '2026-02-28' amount_due: 150000 amount_paid: 150000 payment_status: on_time external_payment_id: sp-txn-abc123 responses: '201': description: Payment recorded with updated tradeline status content: application/json: schema: $ref: '#/components/schemas/PaymentWithStatus' example: id: 770e8400-e29b-41d4-a716-446655440002 tradeline_id: 660e8400-e29b-41d4-a716-446655440001 payment_date: '2026-02-01' period_start: '2026-02-01' period_end: '2026-02-28' amount_due: 150000 amount_paid: 150000 payment_status: on_time reported: false reported_at: null external_payment_id: sp-txn-abc123 created_at: '2026-02-16T06:17:02.898Z' tradeline_status: account_status: current current_balance: 0 amount_past_due: 0 payment_history: '0' '400': $ref: '#/components/responses/ValidationError' '401': $ref: '#/components/responses/AuthenticationError' '404': $ref: '#/components/responses/NotFoundError' '409': $ref: '#/components/responses/ConflictError' '500': $ref: '#/components/responses/InternalError' components: schemas: PaymentCreate: type: object required: - tradeline_id - payment_date - amount_due - amount_paid - payment_status properties: tradeline_id: type: string format: uuid payment_date: type: string format: date period_start: type: string format: date nullable: true period_end: type: string format: date nullable: true amount_due: type: integer minimum: 0 description: In cents amount_paid: type: integer minimum: 0 description: In cents payment_status: $ref: '#/components/schemas/PaymentStatusEnum' external_payment_id: type: string maxLength: 255 nullable: true description: Your internal transaction ID PaymentWithStatus: type: object description: Payment record with updated tradeline status snapshot allOf: - $ref: '#/components/schemas/Payment' - type: object properties: tradeline_status: type: object properties: account_status: $ref: '#/components/schemas/AccountStatus' current_balance: type: integer description: Updated balance in cents amount_past_due: type: integer description: Updated past-due in cents payment_history: type: string description: Updated 24-char history PaymentStatusEnum: type: string description: Status of a reported payment enum: - on_time - late_30 - late_60 - late_90 - late_120 - late_150 - late_180_plus - missed - partial Payment: type: object properties: id: type: string format: uuid tradeline_id: type: string format: uuid payment_date: type: string format: date period_start: type: string format: date nullable: true period_end: type: string format: date nullable: true amount_due: type: integer description: In cents amount_paid: type: integer description: In cents payment_status: $ref: '#/components/schemas/PaymentStatusEnum' reported: type: boolean description: Whether included in a Metro 2 submission reported_at: type: string format: date-time nullable: true external_payment_id: type: string nullable: true created_at: type: string format: date-time AccountStatus: type: string description: >- Current status of the tradeline account (auto-computed from payment reports) enum: - current - late_30 - late_60 - late_90 - late_120 - late_150 - late_180_plus - paid_in_full - closed - transferred - account_in_dispute Error: type: object properties: error: type: object required: - code - message - request_id properties: code: type: string enum: - VALIDATION_ERROR - AUTHENTICATION_ERROR - AUTHORIZATION_ERROR - NOT_FOUND - CONFLICT - RATE_LIMITED - INTERNAL_ERROR message: type: string description: Human-readable error description field: type: string description: >- Dot-notation path to the field that caused the error (e.g., address.state). Only present when a specific field is responsible. request_id: type: string format: uuid responses: ValidationError: description: Validation error (400) content: application/json: schema: $ref: '#/components/schemas/Error' example: error: code: VALIDATION_ERROR message: payment_amount must be a positive integer (cents) field: payment_amount request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44 AuthenticationError: description: Authentication error (401) content: application/json: schema: $ref: '#/components/schemas/Error' example: error: code: AUTHENTICATION_ERROR message: Missing x-api-key header request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44 NotFoundError: description: Resource not found (404) content: application/json: schema: $ref: '#/components/schemas/Error' example: error: code: NOT_FOUND message: Consumer not found request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44 ConflictError: description: Resource conflict / duplicate (409) content: application/json: schema: $ref: '#/components/schemas/Error' example: error: code: CONFLICT message: >- A consumer with this email or external_id already exists for this partner request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44 InternalError: description: Internal server error (500) content: application/json: schema: $ref: '#/components/schemas/Error' example: error: code: INTERNAL_ERROR message: An unexpected error occurred request_id: 4e9024e3-125d-4d08-a392-4fa34f6bda44 securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-api-key description: > API key in the format `sk_live_` (production) or `sk_test_` (sandbox). Contact Cove to obtain your API key. ````