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Onboarding Flow

Before you can start initiating calls to the Account Management API you need to have the following:

Here is a brief overview of the work flow you might follow to board a merchant.

Number Type of API Call Purpose
1 Create a Merchant This call creates a Merchant with Paysafe.
2 Create a Merchant Account

This call creates a merchant account associated with the Merchant. The merchant will use this account to process transactions.You must create a different merchant account for each payment method/currency combination you want to support (e.g., USD credit card, CAD Direct Debit, etc.).

You should pause for five seconds after calling the last service that creates a merchant account in case you are creating multiple accounts (such as creating Credit Cards and Direct Debits) before calling the next service (such as Creating Users, Business Owner, etc.).

3 Create a User This call creates a user associated with the merchant account. Users can sign in to the Paysafe Merchant Back Office toYou should pause for five seconds after calling the last service that creates a merchant accounts (such as credit card and direct debit accounts), a pause of 5 seconds should be set up after the last service that creates the merchant account (Create Users, Create Business Owner, etc.) view transactions processed through that account.Once you have created a user for a merchant account, you can associate that user to additional merchant accounts you create.
4 Create a Merchant Address This call adds an address that is associated with the merchant account.
5 Create a Business Owner This call adds a business owner of the merchant account. Consult these tables to see requirements for adding a business owner to a merchant account.
6 Create Business Owner Addresses This call adds a current address for the business owner. In some jurisdictions, if the business owner has lived at the current address for fewer than 3 years, you must also add a previous address.
7 Create a Business Owner Identity Document This call adds an identity document for the business owner, e.g., a driving license or passport. The identity document required varies by jurisdiction.
8 Create a Merchant Bank Account This call creates a bank account for the merchant. This is the account into which their processed funds will be settled.
9 Get Terms and Conditions This call retrieves the Terms and Conditions in HTML format for you to read.
10 Accept Terms and Conditions

The Platform Partner must display the Paysafe Terms and Conditions (T&Cs) to their merchant applicant. By accepting the T&Cs, the merchant acknowledges that they have read and accepted them for the services that are provided. Platform Partners are able to request the T&Cs for each product they offer through the Account Management API.

11 Activate Merchant Account This call submits the merchant application for activation by Paysafe. After the application has been received it will be reviewed by our Risk and Compliance teams.
12 Account Status Notification

You can enable webhooks in the Paysafe Merchant Back Office in order to receive account status updates.

This is not an API call.

13 Validate the Merchant Bank Account This validates the applicant's bank account information. For some jurisdictions this is done by verifying the amount of a microdeposit made by Paysafe into that bank account.

The Onboarding Flow graphic helps to illustrate this work flow.

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