TABLE OF CONTENTS


Boarding a Merchant on the ACME Platform


These APIs are used for seller, or merchant,  onboarding. ACME designed this overall process via an auto-boarding API that returns a MID (merchant ID) in real-time used for payment processing APIs, this MID can be auto-approved within a few minutes if underwriting clears. In practice, the onboarding is done incrementally as several pieces of data need to be collected either via front-end software flows or, in some cases, by complementing via the ACME onboarding team.   Requirements depend on the country's regulations for the merchant being onboarded.


We follow the underwriting regulations per country, which we automate. Currently in the US, and soon Canada, we support card processing and banking regulations such as KYC (Know Your Customers), AML (Anti Money Laundering), checks against blacklisted merchants with MATCH , GIACT for banking identity checks as well as LexisNexis for further identification checks verifications.


The general type of seller data needed before a seller can be activated for payment processing is segmented into

  • "identity" so that the underwriting process (software or manual) can apply the local country regulations by industry to verify the identity.
  • bank account information to deposit the payment proceeds to the seller
  • rate card information to take the ISV proceeds and settle via an already given ISV bank account.
  • Upon submitting seller information, the system performs a series of background checks and underwriter approval normally occurs within 2 minutes if the provided data is valid


Note those APIs will be in Sandbox in early Q1 2023 for integrations and in prod by Q1.



Boarding the Merchant

This endpoint is used to submit the merchant data which will be used to underwriting the merchant.  

POST v1/payment/onboard


Request Body

Include an Onboarding object as the body of the request.


Sample Request

POST https://sandX-api.acmeticketing.net/v1/payment/onboard


Response

Returns the Onboarding response object with the MID.



Retrieving a Merchant


Use this endpoint to find out the status of the merchant being onboarded.

GET v1/payment/onboard/{boardingRefId}

Request Parameter

The boardingRefId in the URL of the request. 


Sample Request

GET https://sandX-api.acmeticketing.net/v1/payment/onboard/f299a04f-0c6c-4176-b47b-ad08bb0c718a

Response

Returns the requested Onboarding response object.



Updating a Merchant


Update a merchant's details.

PATCH v1/payment/onboard/{boardingRefId}


Request Parameter

The boardingRefId in the URL of the request.


Request Body

The Onboarding object.


Sample Request

PATCH https://sandX-api.acmeticketing.net/v1/payment/onboard/f299a04f-0c6c-4176-b47b-ad08bb0c718a

Returns

Returns the updated Onboarding response object.


Onboarding Object

This is the object used for verification purposes in the automated underwriting multi stage process.  Setting up a Rate Card will be needed before processing can begin.





NameTypeDescription ValidationPOSTPATCH
boardingRefIdstringUnique ID supplied by the caller and will be used for deduping Must be UUID
Required
N/A
billingDescriptor
stringBilling Descriptor

Max 22 character. * ; _ . , and & are the only special characters allowed. 


ACME will prefix with 'AT *' for all merchants

Required

Optional, empty value
businessAddresses
ListList of businessAddresses objects
Must contain address type ‘Physical’
RequiredOptional

businessAddresses.addressLine1
stringAddress line 1
Max 40 characters. No commas. Special characters #, $, @, are allowed.
Required
Required field if businessAddresses is populated
businessAddresses.addressLine2
stringAddress line2
Max 40 characters, No char validation
Optional
Optional, empty value will delete
businessAddresses.city
string
City

Max 28 characters. No char validation.  

Required
Required field if businessAddresses is populated
businessAddresses.country
string
Country

Enumeration value. Refer to Onboarding Enumeration table

Required
Required field if businessAddresses is populated
businessAddresses.postalCode
string
Postal Code^\d{5}$  Must be 5 digits.
Required

Required field if businessAddresses is populated
businessAddresses.postalCodeExtension
string
Postal Code Extension^\d{4}$  Must be 4 digits.
Optional
Optional
businessAddresses.state
string
StateEnumeration value. Refer to Onboarding Enumeration table
Required

Required field if businessAddresses is populated
businessAddresses.type
string
Business address type
Enumeration value. Refer to Onboarding Enumeration table
Required

Required field if businessAddresses is populated
businessBankAccount
ObjectDetails of the bank account

Required
Optional
businessBankAccount.accountNumber
string
Direct deposit account number

Max 17 numbers. ^\d{1,17}$


Testing Note: Use unique value to avoid errors

Required
Required field if businessBankAccount
is populated
businessBankAccount.accountType
string
Direct Deposit Account Type
Enumeration value. Refer to Onboarding Enumeration table
Required
Required field if businessBankAccount
is populated

businessBankAccount.achType
string
Checking account deposit type
Enumeration value. Refer to Onboarding Enumeration table.
Required if accountType is Checking
Required if accountType is Checking. Empty value will delete
businessBankAccount.routingNumber
string
Direct deposit account routing

Max 9 numbers. ^\d{9}$


Testing Note: Must be a valid routing number

Required
Required field if businessBankAccount
is populated
businessContacts
ListList of businessContacts

Required
Optional
businessContacts.email
string
Email address of the business contact
Max 64 characters
Required
Optional. Empty value will delete

businessContacts.faxNumber
string
Fax number of the business contact
Max 10 characters
Optional
Optional. Empty value will delete

businessContacts.firstName
string
First name of the business contact
Max 15 characters
Required
Required field if businessContacts
is populated
businessContacts.lastName
string
Last name of the business contact
Max 25 characters
Required
Required field if businessContacts
is populated
businessContacts.middleInitial
string

Middle initial of the business contact

Max 1 characters
Optional
Optional. Empty value will delete
businessContacts.phoneNumber
string
Phone  number of the business contact
Max 10 characters
Required
Optional. Empty value will delete
businessContacts.phoneNumberExt
string
Phone number extension of the business contact

Max 8 characters

Optional
Optional. Empty value will delete
businessContacts.title
string
Title of the business contact
Max 40 characters
Optional
Optional. Empty value will delete
businessContacts.type
string
Type of merchant contact
Enumeration value. Refer to Onboarding Enumeration table
Required
Required field if businessContacts
is populated
businessEstablishedDate
string
Business established date
Format 'yyyy-mm-dd'. Cannot be in the future.
Required
Optional. Empty value will delete
businessLegalName
string
Legal name of the merchant
40 characters. Valid special characters are space , ' & ; - _
Required
N/A (not editable)
businessOwners
ListList of businessOwners objects

If Ownership type is LLC, Partnership, NonProfit or PrivateCorporation: Control Owner firstName, lastName, ssn, dob, addressLine1, city, state, country, and postalCode are required. When a Beneficial owner is 25% or more, then firstName, lastName, ssn, dob, addressLine1, city, state, country, postalCode are mandatory here as well. 


If Ownership type is Government, FinancialInstitution, Trust, PublicCorporation, or SECRegulatedCorporation: Control Owner Information is optional. When provided, firstName, lastName, addressLine1, city, state, country, postalCode are mandatory. They can add up to 10 additional Beneficial owners (in addition to Control Owner).  When provided, firstName, lastName, addressLine1, city, state, country, postalCode are mandatory.


If Ownership type is SoleProprietorship: Beneficial Owner1 with firstName, lastName,  addressLine1, city, state, country, postalCode, and DOB is mandatory. No other Owner type can be added.


Required
Optional
businessOwners.addressLine1
stringowner address line 1
Max 40 characters. Only latin-1 characters allowed.
See businessOwners validation notes
Required field if businessOwners
is populated
businessOwners.addressLine2
string
owner address line2
Max 40 characters. Only latin-1 characters allowed.
OptionalOptional. Empty value will delete
businessOwners.businessOwnershipPercentage
integerBusiness owner stake percentage

Digit between 0 and 100. All owners must add up to less than or equal to 100. 


OptionalOptional
businessOwners.city
stringowner city
Max 28 characters. Only latin-1 characters allowed.
See businessOwners validation notes
Required field if businessOwners
is populated
businessOwners.country
string
owner country
Enumeration value. Refer to Onboarding Enumeration table

Required if IssuedIds.idType enum contains AlienID. CreditBureau, Mexican consulate, passport.
See businessOwners validation notes
See validation
businessOwners.dateOfBirth
stringBusiness owner date of birth
Format yyyy-mm-dd. Cannot be in the future.
See businessOwners validation notes
Optional. Empty value will delete
businessOwners.email
stringBusiness owner email
Max 64 characters. Email id must contain @ and .
OptionalOptional. Empty value will delete

businessOwners.faxNumber


stringBusiness owner fax numberMax 10 digitsOptional
Optional. Empty value will delete
businessOwners.firstName
stringBusiness Owner first name
Max 15 characters. Only latin-1 characters allowed.
See businessOwners validation notes
Required field if businessOwners
is populated
businessOwners.identification
List
List of identifications

Optional
Optional
businessOwners.identification.dateExpired
stringDate on which id expires
Format yyyy-mm-dd.
Optional
Optional
businessOwners.identification.dateIssued
string
Date on which ID has been issued
Format yyyy-mm-dd.
Optional
Optional. Empty value will delete

businessOwners.identification.idNumber
stringID number of the owner
Max 40 alpha numberic characters
RequiredRequired field if identification
is populated
businessOwners.identification.idType
stringowner identification type
Enumeration value. Refer to Onboarding Enumeration table
Required
Required field if identification
is populated

businessOwners.identification.issuedCity
string
City in which ID has been issued
Max 28 characters
Optional
Optional. Empty value will delete
businessOwners.identification.issuedCountry
string
Country code in which ID has been issued
Enumeration value. Refer to Onboarding Enumeration table
Optional
Optional. Empty value will delete
businessOwners.identification.issuedState
string
State in which ID has been issued.
Enumeration value. Refer to Onboarding Enumeration table

State code is required for idType= DriverLicense, StateId, MilitaryID, CreditBureau
Optional
Optional. Empty value will delete
businessOwners.lastName
stringBusiness owner last name
Max 25 characters. Only latin-1 characters allowed.
See businessOwners validation notes
Required field if businessOwners
is populated
businessOwners.middleInitial
string
Business owner middle Initial
Max 1 character. Only latin-1 characters allowed.
Optional
Optional. Empty value will delete
businessOwners.phoneNumber
string
Business owner phone number
^\d{10}$ Must be 10 digits.
Optional

Optional. Empty value will delete
businessOwners.phoneNumberExt
string
Business owner phone number extension

Max 8 digits.

Optional
Optional. Empty value will delete
businessOwners.postalCode
stringOwner postal code
^\d{5}$
See businessOwners validation notes
Optional. Empty value will delete
businessOwners.postalCodeExt
string
owner postal code extension
^\d{4}$
OptionalOptional
businessOwners.ssn
string
Business owner ssn
Max 9 digits.  ^\d{9}$ String
See businessOwners validation notes
Optional. Empty value will delete
businessOwners.state
string
owner state
Enumeration value. Refer to Onboarding Enumeration table
See businessOwners validation notes
Required field if businessOwners
is populated
businessOwners.title
string
Title of the business owner

Max 40 characters. 


Only latin-1 characters allowed. 

Required
Optional. Empty value will delete
businessOwners.type
string
Type of the business owner
Enumeration value. Refer to Onboarding Enumeration table
Required
Required field if businessOwners
is populated
businessOwnershipType
string
Ownership type
Enumeration value. Refer to Onboarding Enumeration tableRequired
Required field if businessOwners
is populated
businessType
string
business type
Enumeration value. Refer to Onboarding Enumeration table
Required
Optional. Empty value will delete

businessWebsiteUrl
string
Business website
Max 80 characters. Validation using ^(http://www.|https://www.|http://|https://)?[a-z0-9]+([-.]{1}[a-z0-9]+).[a-z]{2,5}(:[0-9]{1,5})?(/.)?$
Required
Optional. Empty value will delete
dbaName
string
Doing business as name

40 characters. Valid special characters are space , ' & ; - _

Required
Optional
merchantCategoryCode
string
Merchant category code

Only allows 8398 or 7991

Required
N/A
taxId
string
Federal Tax ID Number. For CA, EIN employer identification number
^\d{9}$. Must be 9 digits. No dashes in between numbers.
Required
N/A











Onboarding Enumerations

Enum type
Enum’s

businessAddresses.type

"Physical" "Mailing" "TerminalDeployment"

businessBankAccount.accountType

"Checking" "Savings"

businessBankAccount.achType

"CommercialChecking" "PrivateChecking"

businessContacts.type

"CustomerService" "TerminalDeployment" "Primary"

businessOwners.identification.idType

"AlienId" "CreditBureau" "DriversLicense" "StateId" "MexicanConsulate" "MilitaryId" "Other" "Passport"

businessOwners.type

"ControlOwner" "BeneficialOwner1" "BeneficialOwner2" "BeneficialOwner3" "BeneficialOwner4" "BeneficialOwner5" "BeneficialOwner6" "BeneficialOwner7" "BeneficialOwner8" "BeneficialOwner9" "BeneficialOwner10"

businessOwnershipType

"PublicCorporation" "PrivateCorporation" "SECRegulatedCorporation" "Government" "SoleProprietorship" "LLC" "Partnership" "NonProfit" "FinancialInstitution" "Trust"

businessType

"AutoRental" "ECommerce" "Lodging" "MOTO" "Restaurant" "Retail"

country

"US" "CA"

IssuedIds.idType

"AlienId" "CreditBureau" "DriversLicense" "StateId""MexicanConsulate" "MilitaryId" "Other" "Passport"

state

"AK" "AL" "AR" "AZ" "CA" "CO" "CT" "DC" "DE" "FL" "GA" "HI" "IA" "ID" "IL" "IN" "KS" "KY" "LA" "MA" "MD" "ME" "MI" "MN" "MO" "MS" "MT" "NC" "ND" "NE" "NH" "NJ" "NM" "NV" "NY" "OH" "OK" "OR" "PA" "RI" "SC" "SD" "TN" "TX" "UT" "VA" "VT" "WA" "WI" "WV" "WY" "PR" "GU" "VI" "AB" "BC" "MB" "NB" "NL" "NS" "NT" "NU" "ON" "PE" "QC" "SK" "YT"





Onboarding Response Object

See Onboarding object for the parameters with no description


NameDescription POSTPATCHGET
boardingRefId
Reference id supplied in the original create sub-merchant call

status
Status of the merchant.



midACME MID for the merchant. This is the mid that is used in all the Payment URLs



errorInfo
Error Info holds the validation error messages.



createDateCreation timestamp in UTC



dbaName





billingDescriptor




businessType




merchantCategoryCode




businessEstablishedDate




websiteUrl




ownershipType




taxId




legalName



storeNumber




businessOwners





businessOwners.title





businessOwners.firstName





businessOwners.middleInitial





businessOwners.lastName





businessOwners.phoneNumber





subMerchant.businessContacts.phoneNumberExt





businessContacts.email





businessContacts.faxNumber





businessContacts.type





businessAddresses





businessAddresses.addressLine1





businessAddresses.addressLine2





businessAddresses.city





businessAddresses.state





businessAddresses.country





businessAddresses.postalCode







businessAddresses.postalCodeExtension





businessAddresses.type





businessAcceptedCards

Owner accepted cards



businessAcceptedCards.type

Card type that will be accepted



businessAcceptedCards.attributes

Details of the American Express and Discover (name value pair)



businessBankAccount





businessBankAccount.ddaType





businessBankAccount.achType





businessBankAccount.accountNumber





businessBankAccount.routingNumber






Create Merchant Sample 

Request Body


{
  "boardingRefId": "a5812217-2df7-453c-b524-65gebb4fb9e7",
  "tenantProvisioned": true,
  "tenantId": "107",
  "taxId": "343434409",
  "businessLegalName": "Exp LLC w/ 3 Beneficial owners",
  "dbaName": "Exp LLC w/ 3 Beneficial owners",
  "billingDescriptor": "MYP*LLC 3Beneficialowners",
  "businessOwnershipType": "LLC",
  "businessType": "Restaurant",
  "merchantCategoryCode": "7393",
  "businessEstablishedDate": "2015-09-28",
  "businessWebsiteUrl": "www.removeamexoptoutoptionattribute.com",
  "businessAddresses": [
    {
      "type": "Physical",
      "addressLine1": "444 Main St",
      "city": "NoName",
      "state": "CO",
      "country": "US",
      "postalCode": "81601"
    }
  ],
  "businessBankAccount": {
    "accountType": "Checking",
    "achType": "CommercialChecking",
    "accountNumber": "333962222",
    "routingNumber": "102000076"
  },
  "businessOwners": [
    {
      "type": "ControlOwner",
      "title": "Mr",
      "firstName": "Jack",
      "middleInitial": "I",
      "lastName": "Hammer",
      "phoneNumber": "8003459876",
      "phoneNumberExt": "12",
      "email": "jack.hammer@test.com",
      "ssn": "987934058",
      "dateOfBirth": "1983-09-12",
      "businessOwnershipPercentage": 20,
      "addressLine1": "444 Main St",
      "addressLine2": "Ste 140",
      "city": "Noname",
      "state": "CO",
      "country": "US",
      "postalCode": "81601",
      "postalCodeExtension": "2401",
      "identification": [
        {
          "idType": "DriversLicense",
          "idNumber": "943-9804",
          "issuedState": "CA",
          "issuedCity": "",
          "issuedCountry": "US",
          "dateIssued": "2015-10-10",
          "dateExpires": "2025-10-10"
        }
      ]
    },
    {
      "type": "BeneficialOwner1",
      "title": "Mrs",
      "firstName": "Fay",
      "lastName": "Daway",
      "phoneNumber": "8003459876",
      "businessOwnershipPercentage": 20,
      "email": "faydaway@test.com",
      "addressLine1": "3100 Lone Cone Rd",
      "city": "Norwood",
      "state": "CO",
      "country": "US",
      "postalCode": "81423"
    }
  ],
  "businessContacts": [
    {
      "type":"CustomerService",
      "title": "Ms",
      "firstName": "Donna",
      "lastName": "Bradley",
      "phoneNumber": "8003459800",
      "email": "dbradley@test.com",
      "faxNumber": "9705467851"
    },
    {
      "type": "TerminalDeployment",
      "title": "Mr",
      "firstName": "Peter",
      "lastName": "Parker",
      "phoneNumber": "8003459800",
      "email": "peterparker@test.com"
    }
  ]
}



Response Body


{
    "boardingRefId": "a5812267-2df7-493r-b534-65khpo4fb9e7",
    "tenantId": "107",
    "tenantProvisioned": "true",
    "status": "Pending",
    "createDate": "2022-10-03T16:32:26-07:00",
    "businessAcceptedCards": [
        {
            "type": "Visa",
            "attributes": []
        },
        {
            "type": "MasterCard",
            "attributes": []
        },
        {
            "type": "Discover",
            "attributes": [
                {
                    "name": "Acquired",
                    "value": "Yes"
                },
                {
                    "name": "AccountNumber",
                    "value": "601105107413782"
                }
            ]
        },
        {
            "type": "AmericanExpress",
            "attributes": [
                {
                    "name": "AmexProgram",
                    "value": "OptBlue"
                },
                {
                    "name": "AccountNumber",
                    "value": "3541072468"
                },
                {
                    "name": "ReceiveOptBlueMarketing",
                    "value": "Yes"
                }
            ]
        }
    ]
}



Update Merchant Sample

Request Body


{
    "boardingRefId": "08500ea0-4d11-46d9-9a89-3850ddcd1bd6",
    "tenantId": "107",
    "status": "Pending",
    "createDate": "2022-12-19T17:25:29+00:00",
    "dbaName": "FISTEST& name",
    "billingDescriptor": "AT *LLC 1Beneficial11",
    "businessType": "Retail",
    "businessEstablishedDate": "2015-09-28",
    "businessWebsiteUrl": "https://www.mhhjehdydrgdpwhigawwtiaghuwhkvcudyuwthmfaafzqekytkdeifcaduvzrnde.com",
    "updatedDate": "2023-01-13T00:35:14+00:00",
    "businessAddresses": [
        {
            "type": "Physical",
            "addressLine1": "444 Main St",
            "addressLine2": "444 Main St",
            "city": "Los angeles",
            "state": "CA",
            "country": "US",
            "postalCode": "01601",
            "postalCodeExtension": "1234"
        },
        {
            "type": "TerminalDeployment",
            "addressLine1": "444 Main St",
            "addressLine2": null,
            "city": "NoName",
            "state": "CO",
            "country": "US",
            "postalCode": "81601",
            "postalCodeExtension": null
        }
    ],
    "businessAcceptedCards": [
        {
            "type": "Visa",
            "attributes": []
        },
        {
            "type": "MasterCard",
            "attributes": []
        },
        {
            "type": "Discover",
            "attributes": [
                {
                    "name": "Acquired",
                    "value": "Yes"
                },
                {
                    "name": "AccountNumber",
                    "value": "601105108265439"
                }
            ]
        },
        {
            "type": "AmericanExpress",
            "attributes": [
                {
                    "name": "AmexProgram",
                    "value": "OptBlue"
                },
                {
                    "name": "AccountNumber",
                    "value": "3642009831"
                },
                {
                    "name": "ReceiveOptBlueMarketing",
                    "value": "Yes"
                }
            ]
        }
    ],
    "businessBankAccount": {
        "accountType": "Chequing",
        "achType": "PrivateChequing",
        "accountNumber": "33396111112345678",
        "routingNumber": "102000076"
    },
    "businessOwners": [
        {
            "type": "ControlOwner",
            "title": "MR",
            "firstName": "JackJackJackaa",
            "middleInitial": "I",
            "lastName": "Hammer",
            "phoneNumber": "8003451876",
            "phoneNumberExt": "1123",
            "faxNumber": null,
            "email": "jack.hammer@test.com",
            "ssn": "987934058",
            "dateOfBirth": "1983-09-12",
            "businessOwnershipPercentage": 5,
            "addressLine1": "900 Parkway",
            "addressLine2": "Ste 140",
            "city": "Noname",
            "state": "CO",
            "country": "US",
            "postalCode": "81601",
            "postalCodeExtension": "1236",
            "identification": [
                {
                    "idType": "DriversLicense",
                    "idNumber": "943-9804",
                    "issuedState": "CA",
                    "issuedCity": "Los Angeles",
                    "issuedCountry": "US",
                    "dateIssued": "2015-10-10",
                    "dateExpires": "2035-10-10"
                }
            ]
        },
        {
            "type": "BeneficialOwner1",
            "title": "Mrs",
            "firstName": "Fay",
            "middleInitial": null,
            "lastName": "Daway",
            "phoneNumber": null,
            "phoneNumberExt": null,
            "faxNumber": null,
            "email": "faydaway@test.com",
            "ssn": null,
            "dateOfBirth": null,
            "businessOwnershipPercentage": 20,
            "addressLine1": "3100 Lone Cone Rd",
            "addressLine2": null,
            "city": "Norwood",
            "state": "CO",
            "country": "US",
            "postalCode": "81423",
            "postalCodeExtension": null,
            "identification": []
        }
    ],
    "businessContacts": [
        {
            "title": null,
            "firstName": "Donna",
            "middleInitial": null,
            "lastName": "Bradley",
            "phoneNumber": "9705467851",
            "phoneNumberExt": null,
            "email": "someone@test.com",
            "faxNumber": "9705467851",
            "type": "Primary"
        },
        {
            "title": "Mr",
            "firstName": "Peter",
            "middleInitial": null,
            "lastName": "Parker",
            "phoneNumber": "8003459800",
            "phoneNumberExt": null,
            "email": "peterparker@test.com",
            "faxNumber": null,
            "type": "TerminalDeployment"
        },
        {
            "title": "Mr",
            "firstName": "Peter",
            "middleInitial": "M",
            "lastName": "Service",
            "phoneNumber": "8003459800",
            "phoneNumberExt": "1234",
            "email": "peterparker@test.com",
            "faxNumber": "9705467851",
            "type": "CustomerService"
        }
    ]
}


Response Body


{
    "boardingRefId": "08500ea0-4d11-46d9-9a89-3850ddcd1bd6",
    "tenantId": "107",
    "tenantProvisioned": "true",
    "taxId": "343434987",
    "businessLegalName": "My business ",
    "dbaName": "FISTEST& name",
    "billingDescriptor": "AT *LLC 1Beneficial11",
    "businessOwnershipType": "Trust",
    "businessType": "Retail",
    "merchantCategoryCode": "7991",
    "businessEstablishedDate": "2015-09-28",
    "businessWebsiteUrl": "https://www.mhhjehdydrgdpwhigawwtiaghuwhkvcudyuwthmfaafzqekytkdeifcaduvzrnde.com",
    "businessAddresses": [
        {
            "type": "Physical",
            "addressLine1": "444 Main St ",
            "addressLine2": "444 Main St",
            "city": "Los angeles",
            "state": "CA",
            "country": "US",
            "postalCode": "01601",
            "postalCodeExtension": "1234"
        }
    ],
    "businessBankAccount": {
        "accountType": "Chequing",
        "achType": "PrivateChequing",
        "accountNumber": "33396111112345678",
        "routingNumber": "102000076"
    },
    "businessOwners": [
        {
            "type": "ControlOwner",
            "title": "MR",
            "firstName": "JackJackJackaa",
            "middleInitial": "I",
            "lastName": "Hammer",
            "phoneNumber": "8003451876",
            "phoneNumberExt": "1123",
            "email": "jack.hammer@test.com",
            "ssn": "987934058",
            "dateOfBirth": "1983-09-12",
            "businessOwnershipPercentage": 5,
            "addressLine1": "900 Parkway",
            "addressLine2": "Ste 140",
            "city": "Noname",
            "state": "CO",
            "country": "US",
            "postalCode": "81601",
            "postalCodeExtension": "1236",
            "identification": [
                {
                    "idType": "DriversLicense",
                    "idNumber": "943-9804",
                    "issuedState": "CA",
                    "issuedCity": "Los Angeles",
                    "issuedCountry": "",
                    "dateIssued": "2015-10-10",
                    "dateExpires": "2035-10-10"
                }
            ]
        }   
    ],
    
    "businessContacts": [
        {
            "type": "CustomerService",
            "title": "Mr",
            "middleInitial": "M",
            "firstName": "Peter ",
            "lastName": "Service",
            "phoneNumber": "8003459800",
            "phoneNumberExt": "1234",
            "email": "peterparker@test.com",
            "faxNumber": "9705467851"
        }
    ]
}



Get Merchant Sample

Response Body

{
  "boardingRefId": "a5911217-2df7-353d-y624-55gebb7fb9e8",
  "status": "Pending",
  "taxId": "343434409",
  "businessLegalName": "Exp LLC w/ 3 Beneficial owners",
  "dbaName": "Exp LLC w/ 3 Beneficial owners",
   "billingDescriptor": "AT *MYP*LLC 3Beneficialowners",
   "businessOwnershipType": "LLC",
   "businessType": "Restaurant",
   "merchantCategoryCode": "7393",
   "businessEstablishedDate": "2015-09-28",
   "businessWebsiteUrl": "www.removeamexoptoutoptionattribute.com",
   "storeNumber": "000000383",
   "createCorrelationId": "7f2341cf-98b5-4c4f-b67c-6880891184f8",
   "businessAddresses": [
       {
           "type": "Physical",
           "addressLine1": "444 Main St",
           "addressLine2": null,
           "city": "NoName",
           "state": "CO",
           "country": "US",
           "postalCode": "81601",
           "postalCodeExtension": null
       }
   ],
   "businessAcceptedCards": [
       {
           "type": "Visa",
           "attributes": []
       },
       {
           "type": "MasterCard",
           "attributes": []
       },
       {
           "type": "Discover",
           "attributes": [
               {
                   "name": "Acquired",
                   "value": "Yes"
               },
               {
                   "name": "AccountNumber",
                   "value": "601105107385428"
               }
           ]
       },
       {
           "type": "AmericanExpress",
           "attributes": [
               {
                   "name": "AmexProgram",
                   "value": "OptBlue"
               },
               {
                   "name": "AccountNumber",
                   "value": "3541072468"
               },
               {
                   "name": "ReceiveOptBlueMarketing",
                   "value": "Yes"
               }
           ]
       }
   ],
   "businessBankAccount": {
       "accountType": "Checking",
       "achType": "CommercialChecking",
       "accountNumber": "333962223",
       "routingNumber": "102000076"
   },
    "businessOwners": [
        {
            "type": "ControlOwner",
            "title": "Mr",
            "firstName": "Jack",
            "middleInitial": "I",
            "lastName": "Hammer",
            "phoneNumber": "8003459876",
            "phoneNumberExt": "12",
            "faxNumber": null,
            "email": "jack.hammer@test.com",
            "ssn": "987934058",
            "dateOfBirth": "1983-09-12",
            "businessOwnershipPercentage": 20,
            "addressLine1": "444 Main St",
            "addressLine2": "Ste 140",
            "city": "Noname",
            "state": "CO",
            "country": "US",
            "postalCode": "81601",
            "postalCodeExtension": "2401",
            "identification": [
                {
                    "idType": "DriversLicense",
                    "idNumber": "943-9804",
                    "issuedState": "CA",
                    "issuedCity": null,
                    "issuedCountry": "US",
                    "dateIssued": "2015-10-10",
                    "dateExpires": "2025-10-10"
                }
            ]
        }
    ],
    "businessContacts": [
        {
            "title": "Ms",
            "firstName": "Donna",
            "middleInitial": null,
            "lastName": "Bradley",
            "phoneNumber": "8003459800",
            "phoneNumberExt": null,
            "email": "dbradley@test.com",
            "faxNumber": null,
            "type": "Primary"
        }
    ],
    "mid": "4445057059412"
}