Authorization: Bearer lc_live_your_api_key

X-API-Key: lc_live_your_api_key

{
  "data": { ... },
  "meta": {
    "merchant_id": "m_abc123",
    "timestamp": "2026-03-29T12:00:00Z"
  }
}

{
  "data": [ ... ],
  "meta": { ... },
  "pagination": {
    "page": 1,
    "per_page": 25,
    "total": 142,
    "total_pages": 6
  }
}

{
  "data": [ ... ],
  "meta": { ... },
  "cursor": { "next": "eyJpZCI6..." }
}

{
  "error": {
    "code": "VALIDATION_ERROR",
    "message": "amount_cents must be a positive integer"
  }
}

GET /v1/status

{
  "data": {
    "status": "ok",
    "version": "1.0.0",
    "timestamp": "2026-03-29T12:00:00Z",
    "authenticated": true,
    "merchant_id": "m_abc123"
  }
}

GET /v1/payments

{
  "data": [
    {
      "id": "pe_abc123",
      "external_id": "ch_1abc",
      "amount_cents": 4999,
      "currency": "usd",
      "status": "failed",
      "decline_code": "insufficient_funds",
      "decline_category": "soft_retry",
      "customer_id": "cust_xyz",
      "customer_email": "jane@example.com",
      "psp": "stripe",
      "created_at": "2026-03-28T10:30:00Z"
    }
  ],
  "pagination": { "page": 1, "per_page": 25, "total": 142, "total_pages": 6 }
}

GET /v1/payments/:id

{
  "data": {
    "id": "pe_abc123",
    "external_id": "ch_1abc",
    "amount_cents": 4999,
    "currency": "usd",
    "status": "failed",
    "decline_code": "insufficient_funds",
    "decline_category": "soft_retry",
    "retry_count": 2,
    "max_retries": 5,
    "customer_id": "cust_xyz",
    "customer_email": "jane@example.com",
    "psp": "stripe",
    "metadata": {},
    "created_at": "2026-03-28T10:30:00Z",
    "updated_at": "2026-03-29T08:00:00Z"
  }
}

GET /v1/payments/:id/timeline

{
  "data": {
    "payment_id": "pe_abc123",
    "events": [
      {
        "type": "payment_failed",
        "timestamp": "2026-03-28T10:30:00Z",
        "details": { "decline_code": "insufficient_funds" }
      },
      {
        "type": "retry_scheduled",
        "timestamp": "2026-03-28T14:00:00Z",
        "details": { "retry_number": 1 }
      },
      {
        "type": "retry_succeeded",
        "timestamp": "2026-03-28T14:01:00Z",
        "details": { "amount_cents": 4999 }
      }
    ]
  }
}

POST /v1/payments/:id/retry

{
  "data": {
    "payment_id": "pe_abc123",
    "retry_scheduled": true,
    "retry_number": 3,
    "scheduled_at": "2026-03-29T14:00:00Z"
  }
}

POST /v1/payments/:id/pause

{
  "data": {
    "payment_id": "pe_abc123",
    "status": "paused"
  }
}

POST /v1/payments/:id/resume

{
  "data": {
    "payment_id": "pe_abc123",
    "status": "active"
  }
}

GET /v1/customers

{
  "data": [
    {
      "id": "cust_xyz",
      "email": "jane@example.com",
      "name": "Jane Doe",
      "total_payments": 12,
      "failed_payments": 2,
      "recovered_payments": 1,
      "total_revenue_cents": 59988,
      "created_at": "2025-06-15T00:00:00Z"
    }
  ],
  "pagination": { "page": 1, "per_page": 25, "total": 1024 }
}

GET /v1/customers/by-email/:email

{
  "data": {
    "id": "cust_xyz",
    "email": "jane@example.com",
    "name": "Jane Doe",
    "recovery_stats": {
      "total_failed": 3,
      "total_recovered": 2,
      "recovery_rate": 0.667,
      "total_recovered_cents": 9998
    }
  }
}

GET /v1/customers/:id

GET /v1/customers/:id/payments

GET /v1/customers/:id/recoveries

POST /v1/customers/:id/pause-all

POST /v1/customers/:id/resume-all

DELETE /v1/customers/:id

{
  "data": {
    "deleted": true,
    "customer_id": "cust_xyz"
  }
}

GET /v1/recoveries

{
  "data": [
    {
      "id": "rec_abc123",
      "payment_id": "pe_abc123",
      "customer_id": "cust_xyz",
      "campaign_id": "camp_def",
      "status": "active",
      "current_step": 2,
      "total_steps": 5,
      "amount_cents": 4999,
      "currency": "usd",
      "created_at": "2026-03-28T10:30:00Z"
    }
  ],
  "pagination": { "page": 1, "per_page": 25, "total": 87 }
}

GET /v1/recoveries/:id

POST /v1/recoveries/:id/dunning

{
  "data": {
    "sent": true,
    "recovery_id": "rec_abc123",
    "message_id": "msg_xyz"
  }
}

GET /v1/campaigns

GET /v1/campaigns/:id

POST /v1/campaigns

{
  "data": {
    "id": "camp_new123",
    "name": "Soft Decline Recovery",
    "status": "draft",
    "trigger": "payment_failed",
    "steps": [ ... ],
    "created_at": "2026-03-29T12:00:00Z"
  }
}

PUT /v1/campaigns/:id

POST /v1/campaigns/:id/activate

POST /v1/campaigns/:id/pause

GET /v1/campaigns/templates

POST /v1/campaigns/from-template

POST /v1/campaigns/overlap

POST /v1/campaigns/simulate

GET /v1/subscriptions/:id

GET /v1/subscriptions/:id/failed-invoices

GET /v1/invoices/:id

GET /v1/invoices/:id/timeline

GET /v1/analytics/recovery

{
  "data": {
    "summary": {
      "total_failed": 150,
      "total_recovered": 95,
      "total_terminal": 30,
      "recovery_rate": 0.633
    },
    "by_category": {
      "soft_retry": { "count": 80, "recovered": 65, "rate": 0.812 },
      "hard_customer": { "count": 45, "recovered": 20, "rate": 0.444 },
      "terminal": { "count": 25, "recovered": 10, "rate": 0.400 }
    },
    "meta": { "start_date": "2026-02-27", "end_date": "2026-03-29", "group_by": "day" }
  }
}

GET /v1/analytics/campaigns

GET /v1/analytics/revenue

{
  "data": {
    "revenue_recovered": 475000,
    "revenue_at_risk": 275000,
    "payments_recovered": 95,
    "payments_failed": 150,
    "currency": "usd",
    "period": { "start_date": "2026-02-27", "end_date": "2026-03-29" }
  }
}

GET /v1/analytics/at-risk

GET /v1/analytics/decline-codes

GET /v1/analytics/recovery-breakdown

GET /v1/analytics/at-risk-customers

POST /v1/analytics/at-risk-customers/:id/enroll

GET /v1/analytics/email-health

GET /v1/analytics/email-engagement

GET /v1/analytics/summary

GET /v1/webhooks/endpoints

POST /v1/webhooks/endpoints

{
  "data": {
    "id": "we_abc123",
    "url": "https://example.com/webhooks",
    "events": ["payment.recovered", "payment.failed"],
    "signing_secret": "whsec_abc123...",
    "created_at": "2026-03-29T12:00:00Z"
  }
}

PUT /v1/webhooks/endpoints/:id

DELETE /v1/webhooks/endpoints/:id

POST /v1/webhooks/endpoints/:id/test

{
  "data": {
    "success": true,
    "status_code": 200,
    "response_time_ms": 142,
    "endpoint_id": "we_abc123"
  }
}

GET /v1/webhooks/events

GET /v1/decline-codes

{
  "data": [
    {
      "code": "insufficient_funds",
      "psp": "stripe",
      "category": "soft_retry",
      "subcategory": "balance",
      "description": "The card has insufficient funds to complete the purchase.",
      "recommended_action": "Retry in 24-48 hours",
      "recovery_rate": 0.72
    }
  ]
}

GET /v1/decline-codes/categories

{
  "data": [
    {
      "category": "soft_retry",
      "description": "Temporary issues that are likely to resolve",
      "expected_recovery_rate": 0.75,
      "subcategories": ["balance", "limit", "processing_error"]
    },
    {
      "category": "hard_customer",
      "description": "Customer action required to resolve",
      "expected_recovery_rate": 0.35,
      "subcategories": ["expired", "stolen", "closed"]
    }
  ]
}

GET /v1/decline-codes/:code

GET /v1/settings/quiet-hours

{
  "data": {
    "start_hour": 22,
    "end_hour": 8,
    "timezone": "America/New_York",
    "enabled": true
  }
}

POST /v1/settings/quiet-hours

GET /v1/settings/recovery-goal

POST /v1/settings/recovery-goal

GET /v1/templates/preview/:id

{
  "data": {
    "id": "tmpl_abc123",
    "name": "Soft Decline - First Touch",
    "subject": "Your payment of $49.99 could not be processed",
    "html_preview": "<html>...</html>",
    "text_preview": "Hi Jane Doe, your payment of $49.99...",
    "placeholders": [
      "{{customer_name}}",
      "{{amount}}",
      "{{currency}}",
      "{{decline_reason}}",
      "{{retry_date}}",
      "{{update_payment_url}}"
    ]
  }
}

GET /v1/email/suppressions

DELETE /v1/email/suppressions/:email

GET /v1/email/suppressions/stats

POST /v1/email/ab-test

GET /v1/email/ab-test/:campaign_id

POST /v1/email/ab-test/:campaign_id/evaluate

GET /v1/experiments

GET /v1/experiments/:id

GET /v1/experiments/:id/results

POST /v1/experiments/:id/promote

POST /v1/experiments/:id/stop

GET /v1/experiments/assign/:customer_id

GET /v1/suggestions/recovery

POST /v1/suggestions/:id/apply

POST /v1/suggestions/:id/dismiss

POST /v1/win-back/:customerId

GET /v1/cancel-flows

POST /v1/cancel-flows

PUT /v1/cancel-flows/:id

DELETE /v1/cancel-flows/:id

POST /v1/cancel-flows/:id/activate

POST /v1/cancel-flows/:id/deactivate

POST /v1/ai/generate

{
  "data": {
    "text": "Hi Jane, we noticed your payment of $49.99 was declined...",
    "model": "qwen3-30b",
    "tokens_used": 142,
    "cost_usd": 0.0003
  }
}

GET /v1/ai/ping

POST /v1/scoring/retry

{
  "data": {
    "score": 0.73,
    "recommended_delay_hours": 24,
    "confidence": 0.85,
    "reasoning": "Soft decline with 72% historical recovery rate for this code"
  }
}

POST /v1/vectors/embed-event

POST /v1/vectors/find-similar

GET /v1/vectors/recommend-strategy/:id

POST /v1/integrations/shopify/register

GET /v1/integrations/health

GET /v1/integrations/:id/health

GET /v1/integrations/:id/errors

POST /v1/ingest/payment-event

{
  "data": {
    "event_id": "pe_new123",
    "status": "processed",
    "recovery_initiated": true
  }
}