> For the complete documentation index, see [llms.txt](https://yutax.gitbook.io/developer/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://yutax.gitbook.io/developer/api-reference/chargeoffs.md).

# Chargeoffs

Registro de chargeoffs

## Crear chargeoff

> Crea un chargeoff asociado a una cuenta del mismo business.\
> REQUIRED: - user\_report\_id o user\_account\_id - chargeoff\_amount (decimal string) - chargeoff\_reason\_id (catálogo) - posting\_date (YYYY-MM-DD o YYYY-MM-DD HH:MM:SS) - amount\_currency (si no viene, default USD)<br>

```json
{"openapi":"3.0.3","info":{"title":"Yutax API","version":"1.0.0"},"tags":[{"name":"Chargeoffs","description":"Registro de chargeoffs"}],"servers":[{"url":"https://business.yutax.net","description":"Host placeholder (cambia por tu dominio)"}],"security":[{"HmacHeaders":[]}],"components":{"securitySchemes":{"HmacHeaders":{"type":"apiKey","in":"header","name":"X-SIGNATURE","description":"Auth por headers.\nHeaders: - X-PUBLIC-KEY: public key del business (test o live) - X-TIMESTAMP: unix timestamp (string numérico) - X-NONCE: opcional - X-SIGNATURE: Base64(HMAC-SHA256(stringToSign, privateKey))\nstringToSign:\n  POST\\n{path}\\n{timestamp}\\n{nonce}\\n{sha256(body)}\\n\n\nNota: en NDJSON bulk, el server usa sha256 del body gzip real.\n"}},"parameters":{"XPublicKey":{"name":"X-PUBLIC-KEY","in":"header","required":true,"schema":{"type":"string"},"description":"Public key (ej- yk_live_pk_...)"},"XTimestamp":{"name":"X-TIMESTAMP","in":"header","required":true,"schema":{"type":"string","pattern":"^\\d+$"},"description":"Unix timestamp (string numérico)"},"XNonce":{"name":"X-NONCE","in":"header","required":false,"schema":{"type":"string"},"description":"Nonce opcional"},"XSignature":{"name":"X-SIGNATURE","in":"header","required":true,"schema":{"type":"string"},"description":"Firma HMAC base64"}},"schemas":{"ChargeoffCreateRequest":{"type":"object","additionalProperties":false,"required":["user_report_id","user_account_id","chargeoff_amount","chargeoff_reason_id","posting_date"],"properties":{"user_report_id":{"type":"integer","nullable":true,"description":"Requerido si ni viene user_account_id"},"user_account_id":{"type":"integer","nullable":true,"description":"Requerido si ni viene user_report_id"},"chargeoff_amount":{"type":"string","description":"Decimal como string"},"chargeoff_reason_id":{"type":"integer","enum":[1,2,3],"description":"chargeoff_reason_id (catálogo): \n1=fraud, 2=non_payment, 3=other\n"},"amount_currency":{"$ref":"#/components/schemas/CurrencyCode","description":"Si no viene, default USD"},"posting_date":{"type":"string","description":"YYYY-MM-DD o YYYY-MM-DD HH:MM:SS"},"notes":{"type":"string","maxLength":5000}}},"CurrencyCode":{"type":"string","description":"Si no viene, default USD","enum":["USD","EUR","GBP","DOP","CUP","MLC","OTHER"]},"ChargeoffCreateResponse":{"type":"object","additionalProperties":false,"required":["ok","chargeoff_id","business_id","created_at","data","allowed_currencies"],"properties":{"ok":{"type":"boolean"},"chargeoff_id":{"type":"integer"},"business_id":{"type":"integer"},"created_at":{"type":"string"},"data":{"type":"object","additionalProperties":false,"required":["account_report_id","chargeoff_amount","amount_currency","chargeoff_reason_id","chargeoff_reason_name","posting_date","notes"],"properties":{"account_report_id":{"type":"integer"},"chargeoff_amount":{"type":"number","format":"float"},"amount_currency":{"$ref":"#/components/schemas/CurrencyCode"},"chargeoff_reason_id":{"type":"integer"},"chargeoff_reason_name":{"type":"string","enum":["fraud","non_payment","other"]},"posting_date":{"type":"string","nullable":true},"notes":{"type":"string"}}},"allowed_currencies":{"type":"array","items":{"$ref":"#/components/schemas/CurrencyCode"}}}},"ErrorResponse":{"type":"object","additionalProperties":false,"required":["error"],"properties":{"error":{"type":"string","description":"Código de error"},"message":{"type":"string","description":"Mensaje legible (cuando aplique)"}}}},"responses":{"AuthError":{"description":"Auth inválida / headers faltantes","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ErrorResponse"}}}},"MethodNotAllowed":{"description":"Método no permitido (solo POST)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ErrorResponse"}}}}}},"paths":{"/api/v1/chargeoff/create":{"post":{"tags":["Chargeoffs"],"summary":"Crear chargeoff","description":"Crea un chargeoff asociado a una cuenta del mismo business.\nREQUIRED: - user_report_id o user_account_id - chargeoff_amount (decimal string) - chargeoff_reason_id (catálogo) - posting_date (YYYY-MM-DD o YYYY-MM-DD HH:MM:SS) - amount_currency (si no viene, default USD)\n","parameters":[{"$ref":"#/components/parameters/XPublicKey"},{"$ref":"#/components/parameters/XTimestamp"},{"$ref":"#/components/parameters/XNonce"},{"$ref":"#/components/parameters/XSignature"}],"requestBody":{"required":true,"content":{"application/json":{"schema":{"$ref":"#/components/schemas/ChargeoffCreateRequest"}}}},"responses":{"200":{"description":"OK","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ChargeoffCreateResponse"}}}},"400":{"description":"Error de validación / relaciones / catálogo","content":{"application/json":{"schema":{"$ref":"#/components/schemas/ErrorResponse"}}}},"401":{"$ref":"#/components/responses/AuthError"},"405":{"$ref":"#/components/responses/MethodNotAllowed"}}}}}}
```