Creating a Merchant Profile

The merchant onboarding process through the API begins with creating a merchant profile. This involves two key steps:

1

Request a Merchant Identifier (MID)

To begin onboarding, submit a request to the Create Application endpoint using your assigned portfolio MID. This MID is a 16-digit identifier provided to you during integration setup and represents your merchant portfolio.

In the request:

• Set the MerchantId HTTP header to your portfolio’s MID.

• Include the HierarchyNodeKey in the request body to define where the new merchant belongs.

The API returns a new 16-digit MID that uniquely identifies the newly created merchant. Use this MID in all future API requests related to that merchant.

2

Create a Merchant Application

Once a MID is assigned, use the Create Application endpoint to start configuring the merchant’s profile. This step collects key details such as business name and hierarchy placement, which are required before submitting a full application for underwriting and setup.

Use POST method /api/BoardingManagement/v1.0/Applications/Create to create a merchant application. Refer to the below sample payload for reference:

{
  "hierarchyNodeKey": "1234567800000001",
  "dbaName": "Jane's Sandwiches"
}

For a detailed breakdown of the request and response fields and their descriptions, refer to the documentation of Create Merchant Application endpoint.