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Success shapes
Reads return the resource directly — a tiers array, a billers list, a CMS {key,title,html,updated}. Cacheable reads add a generated UTC timestamp. An enquiry returns {id, status:"new"}.
The error envelope
Every non-2xx response is {"error":{"code":"...","message":"..."}}. Branch on the stable code; treat message as human-facing. See Errors and status codes.
Parse defensively
Ignore fields you do not recognise, do not assume array order beyond what is documented, and never fail on an added field. That is how you stay compatible with additive change. See Versioning.
Frequently asked questions
Is the error shape the same for every endpoint?
Yes. Every non-2xx returns {error:{code,message}}. The code is stable and safe to branch on across all public endpoints.
Should I fail if a response has an unexpected field?
No. Ignore unknown fields. Additive change within v1 may add them, and a tolerant parser keeps working.
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