---
title: "Changes to Create a Payable"
method: POST
path: "/v1/payables"
---

# Changes to Create a Payable

`POST /v1/payables`

> Every recorded change to this operation, newest first.

## Timeline

Changed in 1 of 2 revisions.

- **2026-11-03** `9d71f3ec4b5c`: 13 breaking, 95 warning, 55 info

## Changes

- **2026-11-03** `9d71f3ec4b5c`: 13 breaking, 95 warning, 55 info
  - added `#/components/schemas/items.payables.card.PayableCard` to the response body `oneOf` list for the response status `201`
  - added `#/components/schemas/accounts.CompactAccountExternal` to the `oneOf[#/components/schemas/items.payables.external.PayableExternal]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/withdraw_from_account` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/accounts.CompactAccountExternal` to the `oneOf[subschema #1: ACH / Instant Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/withdraw_from_account` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/accounts.CompactAccountExternal` to the `oneOf[subschema #2: Check -> subschema #3: Check]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/withdraw_from_account` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/accounts.CompactAccountExternal` to the `oneOf[subschema #4: International Payments -> subschema #5: International Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/withdraw_from_account` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/accounts.CompactAccountExternal` to the `oneOf[subschema #5: PayPal (Limited Availability) -> subschema #6: PayPal (Limited Availability)]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/withdraw_from_account` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/accounts.CompactAccountExternal` to the `oneOf[subschema #6: Vendor Choice -> subschema #7: Vendor Choice]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/withdraw_from_account` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/payment_methods.card.CompactPaymentMethodCard` to the `oneOf[#/components/schemas/items.payables.external.PayableExternal]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/payment_methods.card.CompactPaymentMethodCard` to the `oneOf[subschema #1: ACH / Instant Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/payment_methods.card.CompactPaymentMethodCard` to the `oneOf[subschema #2: Check -> subschema #3: Check]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/payment_methods.card.CompactPaymentMethodCard` to the `oneOf[subschema #4: International Payments -> subschema #5: International Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/payment_methods.card.CompactPaymentMethodCard` to the `oneOf[subschema #5: PayPal (Limited Availability) -> subschema #6: PayPal (Limited Availability)]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method` response property `oneOf` list for the response status `201`
  - added `#/components/schemas/payment_methods.card.CompactPaymentMethodCard` to the `oneOf[subschema #6: Vendor Choice -> subschema #7: Vendor Choice]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method` response property `oneOf` list for the response status `201`
  - changed the pattern of the request property `oneOf[subschema #1: New Payable (ACH)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[#/components/schemas/items.common.CommonNewItem]/attachments/items/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #1: New Payable (ACH)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[subschema #2]/attachments/items/allOf[#/components/schemas/shared.NewAttachment]/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #2: New Payable (Check) -> subschema #3: New Payable (Check)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[#/components/schemas/items.common.CommonNewItem]/attachments/items/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #2: New Payable (Check) -> subschema #3: New Payable (Check)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[subschema #2]/attachments/items/allOf[#/components/schemas/shared.NewAttachment]/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #3: New Payable (External) -> subschema #4: New Payable (External)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[#/components/schemas/items.common.CommonNewItem]/attachments/items/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #3: New Payable (External) -> subschema #4: New Payable (External)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[subschema #2]/attachments/items/allOf[#/components/schemas/shared.NewAttachment]/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #4: New Payable (International) -> subschema #5: New Payable (International)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[#/components/schemas/items.common.CommonNewItem]/attachments/items/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #4: New Payable (International) -> subschema #5: New Payable (International)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[subschema #2]/attachments/items/allOf[#/components/schemas/shared.NewAttachment]/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #5: New Payable (PayPal - Limited Availability) -> subschema #6: New Payable (PayPal - Limited Availability)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[#/components/schemas/items.common.CommonNewItem]/attachments/items/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #5: New Payable (PayPal - Limited Availability) -> subschema #6: New Payable (PayPal - Limited Availability)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[subschema #2]/attachments/items/allOf[#/components/schemas/shared.NewAttachment]/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #6: New Payable (Vendor Choice) -> subschema #7: New Payable (Vendor Choice)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[#/components/schemas/items.common.CommonNewItem]/attachments/items/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - changed the pattern of the request property `oneOf[subschema #6: New Payable (Vendor Choice) -> subschema #7: New Payable (Vendor Choice)]/allOf[#/components/schemas/items.payables.common.CommonNewPayable]/allOf[subschema #2]/attachments/items/allOf[#/components/schemas/shared.NewAttachment]/data_uri` from `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingm1.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,` to `^data:(text\/csv|application\/vnd.openxmlformats-officedocument.wordprocessingml.document|image\/jpeg|application\/pdf|image\/png|text\/plain|application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet){1};base64,`
  - added the new `GHS` enum value to the `oneOf[#/components/schemas/items.payables.external.PayableExternal]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[#/components/schemas/items.payables.external.PayableExternal]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code_recipient/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[#/components/schemas/items.payables.external.PayableExternal]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code_sender/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[#/components/schemas/items.payables.external.PayableExternal]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method/oneOf[subschema #2: Compact Payment Method (Bank)]/allOf[subschema #2]/type_details/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[#/components/schemas/items.payables.external.PayableExternal]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method/oneOf[subschema #3: Compact Payment Method (International) -> subschema #4: Compact Payment Method (International)]/allOf[subschema #2]/type_details/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #1: ACH / Instant Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #1: ACH / Instant Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code_recipient/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #1: ACH / Instant Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code_sender/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #1: ACH / Instant Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method/oneOf[subschema #2: Compact Payment Method (Bank)]/allOf[subschema #2]/type_details/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #1: ACH / Instant Payments]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method/oneOf[subschema #3: Compact Payment Method (International) -> subschema #4: Compact Payment Method (International)]/allOf[subschema #2]/type_details/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #1: ACH / Instant Payments]/allOf[subschema #2]/pay_to_payment_method/allOf[subschema #1: Compact Payment Method (Bank)]/allOf[subschema #2]/type_details/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #2: Check -> subschema #3: Check]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #2: Check -> subschema #3: Check]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code_recipient/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #2: Check -> subschema #3: Check]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[#/components/schemas/items.common.CommonItem]/currency_code_sender/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - added the new `GHS` enum value to the `oneOf[subschema #2: Check -> subschema #3: Check]/allOf[#/components/schemas/items.payables.common.CommonPayable]/allOf[subschema #2]/pay_to_payment_method/oneOf[subschema #2: Compact Payment Method (Bank)]/allOf[subschema #2]/type_details/currency_code/allOf[#/components/schemas/iso.CurrencyCode]/` response property for the response status `201`
  - …123 more

---

[Operation](https://skmtc.dev/routable/apis/routable-api/docs/v1/payables/post.md) - [API](https://skmtc.dev/routable/apis/routable-api.md) - [Page](https://skmtc.dev/routable/apis/routable-api/changes/v1/payables/post)