Application Status

Each merchant application goes through multiple stages before approval and onboarding. The webhook sends notifications when an application moves into one of the following states:

State	Description
Pended	The application requires manual intervention before proceeding.
Manual Review	The application is undergoing a detailed underwriting review.
Approved	The application has been approved and is ready for onboarding.
Declined	The application has been rejected and will not proceed further.
Boarded	The merchant account has been successfully boarded to the gateway and is ready to begin processing transactions.

Webhook event structure

The Application Status Webhook sends structured JSON payloads to the subscribed endpoint when an application status changes. The payload includes the following fields:

• event – The current status of the application.

• merchantId – The unique merchant account identification number.

• payload – An empty set for most statuses

The payload field includes additional details only when the status is Boarded.

Webhook examples

Below are sample webhook payloads for each application status:

For Pended status

{
  "event": "Pended",
  "merchantId": "6588000000049726",
  "payload": ""
}

For Manual Review status

{
  "event": "Manual Review",
  "merchantId": "6588000000049726",
  "payload": ""
}

For Approved status

{
  "event": "Approved",
  "merchantId": "6588000000049726",
  "payload": ""
}

For Declined status

{
  "event": "Declined",
  "merchantId": "6588000000049726",
  "payload": ""
}

For Boarded status

{
  "event": "Boarded",
  "merchantId": "88880000000123456",
  "orderId": "999990000000987654",
  "payload": {
    "terminals": [
      {
        "apiKey": "2P0H1L84133",
        "publicKey": "ABCDEFGHIJK123456789",
        "name": "Merchant Name"
      }
    ]
  }
}

The Boarded status includes additional merchant details, including terminal API keys and encryption keys.