Merchant onboarding APIs
This guide provides steps to use APIs to onboard and optionally auto submit the application for underwriting immediately.
Last updated
This guide provides steps to use APIs to onboard and optionally auto submit the application for underwriting immediately.
Last updated
This platform provides a fast and secure way to quickly onboard a merchant via . If Auto Submission is enabled for your account, the embedded UI takes care of presenting the contract documents to your merchants and automatically submits the application to the processor to start the underwriting process immediately.
However, if you decides to build your own onboarding UI using the , you can still take advantage of the auto submission and digital signature capture feature.
Onboarding process begins by creating and obtaining a merchant ID. This step ensures that merchant account is only created through server-to-server communication before any embedded or custom onboarding form is presented to your merchants.
There are use cases when you want your merchants' website prefilled with a URL before they even interact with the onboarding form. You can provide any business detail to be prefilled for example website.
Once your onboarding application is updated (and optionally validated) you can submit it for review and start the underwriting process.
When you submit an application it is automatically moved to in_reivew
state for you to review in the partner console. You can also set submitted_to_pe
explicitly in your API call to skip the review and go straight to underwriting.
If you have auto submit feature enabled, the app is automatically submitted to the processor after merchant digitally sign the agreement.
Example of directly submitting the application to the processor.
If Auto Signature is enabled in our account, submitting the app will respond back with a document link as in the following example code.
The signing_url
can be used to present the documents to your merchants to start the digital signature process.
Our recommended way is to display signing URL's contents in an iframe within your application so it remains a fully integrated and seamless experience for your merchants.
The example code above renders the content of signing_url
in an iframe and displays it as the top element of your application window. Once rendered, this iframe will post a message to the parent window to notify the results of the signing process which can be used to dismiss the iframe and execute the desired workflow in your application.
When merchants successfully sign or decide to cancel (do it later), a message will be sent to the parent window that hosts the iframe. This message can be observed to perform subsequent actions for example dismissing the iframe and refreshing the merchant status.
Browser compatibility - Some old browsers don't support postMessage
with cross-domain, i.e. Internet Explorer 8 for example.
You can expect to get the following events during merchant onboarding process.
Once you have merchant ID created, you can use update API to fill onboarding application. Please refer to our to learn more about how to update merchant application.
It is highly recommended to use validation feature of the update API or use API before submitting for underwriting. This API provides useful validation information which you can display in your UI as well.
Content Security Policy -
The onboarding APIs also trigger Webhooks to notify milestone events of a merchant onboarding process. For detail information about Webhooks please see our .