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POST
Create Merchant

Endpoint

Overview

Use this endpoint to create a new merchant account. This comprehensive onboarding process collects personal, business, and banking information required for payment processing.
Merchant accounts are created in real-time and can begin processing payments immediately upon approval.

Authentication

Request Body

string
required
Must be "merchants"
object
required
Merchant account attributes
string
required
AVS mode: "Standard", "Strict", or "Disabled"
string
required
Account type: "personal" or "business"
string
required
Name for the merchant account
string
Optional additional metadata
object
required
Personal information for account holder
object
required
Personal address
object
Business information (required for business accounts)
object
Business address (required for business accounts)
object
required
Bank account information for deposits
object
required
Verification and compliance data
string
Fraud detection policy: "Default", "Strict", or "Disabled"
string
ThreatMetrix session identifier for fraud screening

Example Request

Response

Success Response (201 Created)

string
Unique merchant account identifier. Use this ID for all payment processing.

Code Examples

AVS Modes

Important Notes

Sensitive Data: This endpoint handles sensitive personal and financial information. Ensure your application uses HTTPS and follows security best practices.
Real-Time Creation: Merchant accounts are created instantly and can process payments immediately after successful creation.
Fraud Prevention: Use ThreatMetrix integration for enhanced fraud detection during merchant onboarding.

Best Practices

  1. Validate Data: Validate all fields before submission to prevent errors
  2. Secure Collection: Use secure forms to collect sensitive information
  3. Email Verification: Verify email addresses before creating accounts
  4. Terms Acceptance: Ensure users explicitly accept terms and conditions
  5. IP Logging: Record accurate IP addresses for compliance
  6. Test Mode: Test thoroughly in sandbox before production deployment

Next Steps

Get Merchant Details

Retrieve merchant account information

Update Bank Info

Update merchant bank account details