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Create processing account

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POST/merchant-platforms/{merchantPlatformId}/processing-accountscreateProcessingAccount

Use this method to add an additional processing account to a merchant platform.

To add a processing account to a merchant platform, you need the merchantPlatformId. Our gateway returned the merchantPlatformId in the response of the Create Merchant Platform method.

Note: If you don't have the merchantPlatformId, use our List Merchant Platforms method to search for the merchant platform.

In the request, include the following information:

  • Business details, including its business type, time zone, and address.
  • Owners' details, including their contact details.
  • Funding, pricing, and processing information, including its pricing model and funding accounts.
  • Additional forms that you need us to send to the merchant, for example, attestations and questionnaires.

When you send a successful request, we review the information about the processing account. After we complete our review and approve the processing account, we assign a processingAccountId, which you need to perform follow-on actions.

Note: You can subscribe to our processingAccount.status.changed event to get notifications when we update the status of a processing account. For more information about how to subscribe to events, go to Events List.

Parameters

NameInTypeDescription
merchantPlatformIdRequiredpathstring

Unique identifier of the merchant platform that we sent to you when you created the merchant platform.

Idempotency-KeyRequiredheaderstring

Unique identifier that you generate for each request. You must use the UUID v4 format for the identifier. For more information about the idempotency key, go to Idempotency.

Request body

application/json
Field Edit request inputs →
  • addendumsobject[]
    Array of polymorphic addendumEntry objects that indicate the additional forms that we should send with the Merchant Processing Agreement (MPA). The value of the type parameter determines which variant you should use: installmentPaymentsV1 Send this form if the merchant offers installment payments, loans, or leases. moneyServicesV1 Send this form if the merchant offers money services, for example, traveler's checks. telehealthV1 Send this form if the merchant provides telehealth services. firearmsV1 Send this form if the merchant sells firearms. pharmacyCnpComplianceV1 Send this form if the merchant is a pharmacy that accepts card-not-present (CNP) transactions. cbdV1 Send this form if the merchant sells any of the following products: CBD products Synthetic THC or Cannabis HHC Kratom Tianeptine Delta 8/9/10/0 THC products tobaccoCnpV1 Send this form if the merchant sells tobacco products and accepts CNP transactions. donationsV1 Send this form if the merchant accepts donations. cloverMerchantProcessingAmendmentV1 Send this form if the merchant requires Clover equipment. rocGivingV1 Send this form if the merchant uses Roc Giving.
    • option 1object
      Installment Payments, Loans, or Lease Questionnaire/Attestation for merchants that offer installment payments, loans, or leases.
      • typestringrequired
    • option 2object
      Money Services Business Questionnaire for merchants that offer money services, for example, traveler's checks.
      • typestringrequired
    • option 3object
      Telehealth Attestation for merchants that provide telehealth services.
      • typestringrequired
    • option 4object
      Firearms Due Diligence for merchants that sell firearms.
      • typestringrequired
    • option 5object
      Attestation of Compliance and Questionnaire for pharmaceutical merchants that accept CNP transactions.
      • typestringrequired
    • option 6object
      CBD Attestation for merchants that sell any of the following products: CBD products Synthetic THC or Cannabis HHC Kratom Tianeptine Delta 8/9/10/0 THC products
      • typestringrequired
    • option 7object
      CNP Tobacco Merchant Questionnaire for merchants that sell tobacco products and accept CNP transactions.
      • typestringrequired
    • option 8object
      Donations Addendum for merchants that accept donations.
      • typestringrequired
    • option 9object
      Clover Merchant Processing Amendment for merchants that order Clover equipment.
      • lineItemsobjectrequired
        Object that contains information about the Clover equipment and accessories that the merchant wants to order.
        • cloverBarCodeScannerobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverCashDrawerobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverCompactobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverCompactTetherCableobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverFlex4thGenobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverFlexPocketobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverHandsFreeScannerobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverKds14object
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverKds24object
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverKitchenPrinterobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverKitchenPrinterThermalobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverMiniLte3rdGenobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverSoloPosSystemobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverStationDuoGen2PosSystemobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverWeightScaleobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
      • typestringrequired
    • option 10object
      Roc Giving Addendum for merchants that use Roc Giving.
      • accountAdminContactobjectrequired
        Object that contains contact details for the Roc Giving account administrator.
        • emailAddressstringrequired
          Email address of the Roc Giving account administrator.≤ 50 chars
        • firstNamestringrequired
          First name of the Roc Giving account administrator.≤ 50 chars
        • lastNamestringrequired
          Last name of the Roc Giving account administrator.≤ 50 chars
        • phonestring
          Phone number of the Roc Giving account administrator.≤ 15 chars
      • autoCloseTimestringrequired
        Time that the processing terminal closes the batch in HH:mm format using the 24-hour clock.≤ 5 chars
      • donorSupportPercentagenumberrequired
        Percentage of the total donation amount that a donor can add to their donation to provide additional support to the organization.0–100
      • planstring
        Roc Giving pricing plan for the processing account. The value is one of the following: basic Merchant has access to the features available with the basic Roc Giving plan. advanced Merchant has access to the additional features available with the advanced Roc Giving plan.basicadvanced
      • typestringrequired
  • addressobjectrequired
    Polymorphic object that contains address information for the processing account.
    • addressobject
      Object that contains information about the address.
      • address1stringrequired
        Address line 1.≤ 150 chars
      • address2string
        Address line 2.≤ 150 chars
      • address3string
        Address line 3.≤ 150 chars
      • citystringrequired
        City.≤ 50 chars
      • countrystringrequired
        Two-digit country code for the country that the business operates in. The format follows the ISO-3166-1 standard.2–2 chars
      • postalCodestringrequired
        Zip code or postal code.≤ 10 chars
      • statestringrequired
        Name of the state or state abbreviation.≤ 50 chars
  • businessStartDatestringdaterequired
    Date that the business was established. The format of the value is YYYY-MM-DD.
  • businessTypestring
    Type of business.retailrestaurantinternetmotolodgingnotForProfit
  • categoryCodeintegerint32
    Merchant Category Code (MCC) for the type of business.≤ 4 chars
  • contactMethodsobject[]required
    Array of polymorphic objects, which contain contact information. Note: You must provide an email address. The value of the type parameter determines which variant you should use: email Email address phone Phone number mobile Mobile number fax Fax number.≥ 1 items
    • emailobject
      • typestringrequired
        Type of contact method.email
      • valuestringrequired
        Email address.≤ 50 chars
    • phoneobject
      • typestringrequired
        Type of contact method.phone
      • valuestringrequired
        Phone number.≤ 15 chars
    • mobileobject
      • typestringrequired
        Type of contact method.mobile
      • valuestringrequired
        Mobile number.≤ 15 chars
    • faxobject
      • typestringrequired
        Type of contact method.fax
      • valuestringrequired
        Fax number.≤ 15 chars
  • contactsobject[]
    Array of contact objects.
    • contactMethodsobject[]required
      Array of polymorphic objects, which contain contact information. Note: If you are adding information about an owner, you must provide at least an email address. If you are adding information about a contact, you must provide at least a contact number. The value of the type parameter determines which variant you should use: email Email address phone Phone number mobile Mobile number fax Fax number1–4 items
      • emailobject
        • typestringrequired
          Type of contact method.email
        • valuestringrequired
          Email address.≤ 50 chars
      • phoneobject
        • typestringrequired
          Type of contact method.phone
        • valuestringrequired
          Phone number.≤ 15 chars
      • mobileobject
        • typestringrequired
          Type of contact method.mobile
        • valuestringrequired
          Mobile number.≤ 15 chars
      • faxobject
        • typestringrequired
          Type of contact method.fax
        • valuestringrequired
          Fax number.≤ 15 chars
    • firstNamestringrequired
      Contact's first name.≤ 50 chars
    • identifiersobject[]
      Array of identifier objects.≥ 1 items
      • typestringrequired
        Type of ID provided to verify identity.nationalId
      • valuestringrequired
        Social Security Number (SSN) or Social Insurance Number (SIN).
    • lastNamestringrequired
      Contact's last name.≤ 50 chars
    • middleNamestring
      Contact's middle name.≤ 50 chars
    • typestringrequired
      Type of contact.managerrepresentativeothers
  • doingBusinessAsstringrequired
    Trading name of the business.≤ 100 chars
  • fundingobjectrequired
    Object that contains information about the funding schedule of the processing account.
    • acceleratedFundingFeeinteger
      Monthly fee in cents for accelerated funding. The value is in the currency's lowest denomination, for example, cents. We apply this fee if the value for fundingSchedule is sameday or nextday.
    • dailyDiscountboolean
      Indicates if we collect fees from the merchant's account each day.
    • fundingSchedulestring
      Indicates when funds are sent to the funding account. If you send a value of sameDay or nextDay, provide a value for acceleratedFundingFee. Note: If you send a value of sameday, funding includes all transactions the merchant ran before the ACH cut-off time.standardnextdaysameday
    • fundingAccountsobject[]
      Array of fundingAccounts objects.1–2 items
      • metadataobject
        Metadata object you can use to include custom data with your request.
      • nameOnAccountstringrequired
        Name of the account holder.
      • paymentMethodsobject[]required
        Array of PaymentMethodAch objects.
        • ACH payment methodobject
          • typestring
            Payment method that we use to send funds to the account.ach
          • valueobject
            Object that contains information about the funding account.
            • accountNumberstringrequired
              Account number of the funding account.9–12 chars
            • routingNumberstringrequired
              Routing number of the funding account.9–9 chars
      • typestringrequired
        Type of funding account.checkingsavingsgeneralLedger
      • usestringrequired
        Indicates if we send funds or withdraw funds from the account. credit Send funds to the account. debit Withdraw funds from the account. creditAndDebit Send funds and withdraw funds from the account. Note: If the funding account is associated with a funding recipient, we accept only a value of credit.creditdebitcreditAndDebit
  • merchandiseOrServiceSoldstringrequired
    Description of the services or merchandise sold by the business.≤ 125 chars
  • metadataobject
    Object that you can send to include custom data in the request. For more information about how to use metadata, go to Metadata.
  • ownersobject[]required
    Collection of individuals that are responsible for a processing account. When you create a processing account, you must indicate at least one owner as either of the following: Control prong An individual who has a significant equity stake in the business and can make decisions for the processing account. You can add only one control prong to a processing account. Authorized signatory An individual who doesn't have an equity stake in the business but can make decisions for the processing account.≥ 1 items
    • addressobjectrequired
      Object that contains information about the address.
      • address1stringrequired
        Address line 1.≤ 150 chars
      • address2string
        Address line 2.≤ 150 chars
      • address3string
        Address line 3.≤ 150 chars
      • citystringrequired
        City.≤ 50 chars
      • countrystringrequired
        Two-digit country code for the country that the business operates in. The format follows the ISO-3166-1 standard.2–2 chars
      • postalCodestringrequired
        Zip code or postal code.≤ 10 chars
      • statestringrequired
        Name of the state or state abbreviation.≤ 50 chars
    • contactMethodsobject[]required
      Array of polymorphic objects, which contain contact information. Note: If you are adding information about an owner, you must provide at least an email address. If you are adding information about a contact, you must provide at least a contact number. The value of the type parameter determines which variant you should use: email Email address phone Phone number mobile Mobile number fax Fax number1–4 items
      • emailobject
        • typestringrequired
          Type of contact method.email
        • valuestringrequired
          Email address.≤ 50 chars
      • phoneobject
        • typestringrequired
          Type of contact method.phone
        • valuestringrequired
          Phone number.≤ 15 chars
      • mobileobject
        • typestringrequired
          Type of contact method.mobile
        • valuestringrequired
          Mobile number.≤ 15 chars
      • faxobject
        • typestringrequired
          Type of contact method.fax
        • valuestringrequired
          Fax number.≤ 15 chars
    • dateOfBirthstringdaterequired
      Owner's date of birth. The format of this value is YYYY-MM-DD.
    • firstNamestringrequired
      Owner's first name.≤ 50 chars
    • identifiersobject[]required
      Array of IDs.≥ 1 items
      • typestringrequired
        Type of ID provided to verify identity.nationalId
      • valuestringrequired
        Social Security Number (SSN) or Social Insurance Number (SIN).
    • lastNamestringrequired
      Owner's last name.≤ 50 chars
    • middleNamestring
      Owner's middle name.≤ 50 chars
    • relationshipobjectrequired
      Object that contains information about the owner's relationship to the business.
      • equityPercentagenumberpercentage
        Percentage equity stake that the owner holds in the business.
      • isAuthorizedSignatoryboolean
        Indicates if the owner is an authorized signatory.
      • isControlProngbooleanrequired
        Indicates if the owner is a control prong. You can identify only one control prong for a business.
      • titlestring
        Owner's job title.
  • pricingobjectrequired
    Polymorphic object that contains pricing information for the processing account. The value of the type parameter determines which variant you should use: intent Use a pricing agreement template. agreement Create a new pricing agreement.
    • intentobject
      • pricingIntentIdstringrequired
        Unique identifier of the pricing intent.
      • typestringrequired
        Type of pricing for the processing account. Note: To create a pricing intent, go to Create Pricing Intent.intent
    • agreementobject
      Polymorphic object that contains pricing agreement information for the processing account.
      • typestringrequired
        agreement
      • US pricing agreement version 5.2object
        Object that contains information about U.S. pricing intents for Merchant Processing Agreement (MPA) 5.2.
        • baseobjectrequired
          Object that contains information about U.S. base fees.
          • addressVerificationintegernullrequired
            Fee for each address verification request. The value is in the currency's lowest denomination, for example, cents.≥ 0
          • annualFeeobjectrequired
            Object that contains information about the annual fee.
            • amountintegerrequired
              Annual fee. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • billInMonthstring
              Indicates whether we collect the annual fee in June or December.junedecember
          • batchintegerrequired
            Fee for each batch. The value is in the currency's lowest denomination, for example, cents.≥ 0
          • chargebackinteger
            Fee for each chargeback. The value is in the currency's lowest denomination, for example, cents.750–5000
          • earlyTerminationinteger
            Fee for early termination. The value is in the currency's lowest denomination, for example, cents.19500–59500
          • maintenanceintegerrequired
            Monthly fee for maintenance. The value is in the currency's lowest denomination, for example, cents.≥ 500
          • minimumintegerrequired
            Monthly fee that we charge when the merchant doesn't meet the minimum fee amount. This monthly fee is in the currency's lowest denomination, for example, cents.≥ 0
          • pciNonComplianceinteger
            Fee that we apply each month if you aren't compliant with PCI standards. The value is in the currency's lowest denomination, for example, cents.3995–10000
          • platinumSecurityobject
            Object that contains information about the Platinum Security fee.
            • monthlyobject
              • amountinteger
                Fee for Platinum Security. The value is in the currency's lowest denomination, for example, cents.
              • billingFrequencystringrequired
                Indicates whether we bill your account monthly or annually.monthly
            • annualobject
              • amountinteger
                Fee for the Platinum Security, this is returned in the lowest unit of currency. For example, cents.
              • billingFrequencystringrequired
                Indicates whether we bill your account monthly or annually.annual
          • regulatoryAssistanceProgramintegernullrequired
            Annual fee for the regulatory assistance program. The value is in the currency's lowest denomination, for example, cents.≥ 0
          • retrievalinteger
            Fee for each retrieval. The value is in the currency's lowest denomination, for example, cents.275–5000
          • voiceAuthorizationinteger
            Fee for each voice authorization. The value is in the currency's lowest denomination, for example, cents.95–200
        • countrystringrequired
          Two-digit code for the country that the pricing intent applies to. The format follows the ISO-3166-1 standard.US
        • gatewayobject
          Object that contains information about the gateway fees for MPA 5.2.
          • feesobjectrequired
            Object that contains information about the gateway fees.
            • 3dSecurePerTransactioninteger
              Fee for each transaction which utilizes 3D Secure. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • monthlyintegerrequired
              Monthly fee for the gateway. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • perDeviceMonthlyintegerrequired
              Monthly fee for each device. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • perTransactionintegerrequired
              Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • setupintegerrequired
              Fee for setting up your account with the gateway. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • tapToPayPerTransactioninteger
              Fee for each tap to pay transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
        • processorobject
          Object that contains information about U.S. processor fees.
          • achobject
            Object that contains the fees for ACH transactions.
            • feesobject
              Object that contains processing fees for ACH transactions.
              • accountVerificationintegerrequired
                Fee for each account verification. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • batchintegerrequired
                Fee for each batch. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • discountRateAbove10000numberdoublerequired
                Percentage discount for ACH transfers equal to or more than $10,000.0–100
              • discountRateUnder10000numberdoublerequired
                Percentage discount for ACH transfers less than $10,000.0–100
              • monthlyMinimumintegerrequired
                Minimum monthly value of transactions. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • returnsintegerrequired
                Fee for each return. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • statementintegerrequired
                Fee for each statement. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • transactionintegerrequired
                Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • unauthorizedReturnintegerrequired
                Fee for each unauthorized return. The value is in the currency's lowest denomination, for example, cents.≥ 0
          • cardobject
            Object that contains information about card fees.
            • Interchange Plus Planobject
              Object that contains information about Interchange Plus.
              • feesobjectrequired
                Object that contains information about the fees.
                • amexobject
                  Object that contains the fees for American Express transactions.
                  • optBlueobject
                    • transactionintegerrequired
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • typestringrequired
                      Type of American Express program.optBlue
                    • volumenumberdoublerequired
                      Percentage of the total transaction amount that the processor charges the merchant.0–100
                  • directobject
                    • transactionintegerrequired
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • typestringrequired
                      Type of American Express program.direct
                • electronicBenefitsTransferobject
                  Object that contains the fees for EBT transactions.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • mastercardVisaDiscoverobjectrequired
                  Object that contains information about the processor fees.
                  • transactioninteger
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • volumenumberdouble
                    Percentage of total transaction amount that the processor charges the merchant.0–100
                • pinDebitobject
                  Object that contains the fees for PIN-debit transactions.
                  • additionalDiscountnumberdoublerequired
                    Percentage of additional discount.0–100
                  • monthlyAccessintegerrequired
                    Monthly access fee for using PIN-debit services. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • specialityCardsobject
                  Object that contains the fees for speciality cards.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • planTypestringrequired
                Type of processing plan.interchangePlus
            • Interchange Plus Plusobject
              Object that contains information about Interchange Plus Plus.
              • feesobjectrequired
                Object that contains information about the fees.
                • amexobject
                  Object that contains the fees for American Express transactions.
                  • optBlueobject
                    • midQualRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • nonQualRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • qualifiedRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • typestringrequired
                      Type of American Express program.optBlue
                  • directobject
                    • transactionintegerrequired
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • typestringrequired
                      Type of American Express program.direct
                • electronicBenefitsTransferobject
                  Object that contains the fees for EBT transactions.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • mastercardVisaDiscoverobjectrequired
                  • midQualRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • nonQualRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • qualifiedRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                • pinDebitobject
                  Object that contains the fees for PIN-debit transactions.
                  • additionalDiscountnumberdoublerequired
                    Percentage of additional discount.0–100
                  • monthlyAccessintegerrequired
                    Monthly access fee for using PIN-debit services. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • specialityCardsobject
                  Object that contains the fees for speciality cards.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • planTypestringrequired
                Type of processing plan.interchangePlusPlus
            • Tiered pricing with three tiersobject
              Object that contains information about tiered pricing with three tiers.
              • feesobjectrequired
                Object that contains information about the fees.
                • amexobject
                  Polymorphic object that contains fees for American Express transactions. The value of the type field determines which variant you should use: optBlue Amex OptBlue pricing program. direct Amex Direct pricing program.
                  • optBlueobject
                    • midQualRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • nonQualRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • qualifiedRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • typestringrequired
                      Type of American Express program.optBlue
                  • directobject
                    • transactionintegerrequired
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • typestringrequired
                      Type of American Express program.direct
                • electronicBenefitsTransferobject
                  Object that contains the fees for EBT transactions.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • mastercardVisaDiscoverobjectrequired
                  • midQualRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • nonQualRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • qualifiedRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                • pinDebitobject
                  Object that contains the fees for PIN-debit transactions.
                  • additionalDiscountnumberdoublerequired
                    Percentage of additional discount.0–100
                  • monthlyAccessintegerrequired
                    Monthly access fee for using PIN-debit services. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • specialityCardsobject
                  Object that contains the fees for speciality cards.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • planTypestringrequired
                Type of processing plan.tiered3
            • Tiered pricing with four tiersobject
              Object that contains information about tiered pricing with four tiers.
              • feesobjectrequired
                Object that contains information about the fees.
                • amexobject
                  Polymorphic object that contains fees for American Express transactions. The value of the type field determines which variant you should use: optBlue Amex OptBlue pricing program. direct Amex Direct pricing program.
                  • optBlueobject
                    • midQualRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • nonQualRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • qualifiedRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • typestringrequired
                      Type of American Express program.optBlue
                  • directobject
                    • transactionintegerrequired
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • typestringrequired
                      Type of American Express program.direct
                • electronicBenefitsTransferobject
                  Object that contains the fees for EBT transactions.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • mastercardVisaDiscoverobjectrequired
                  • midQualRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • nonQualRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • qualifiedRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • premiumRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                • pinDebitobject
                  Object that contains the fees for PIN-debit transactions.
                  • additionalDiscountnumberdoublerequired
                    Percentage of additional discount.0–100
                  • monthlyAccessintegerrequired
                    Monthly access fee for using PIN-debit services. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • specialityCardsobject
                  Object that contains the fees for speciality cards.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • planTypestringrequired
                Type of processing plan.tiered4
            • Tiered pricing with six tiersobject
              Object that contains information about tiered pricing with six tiers.
              • feesobjectrequired
                Object that contains information about the fees.
                • amexobject
                  Polymorphic object that contains fees for American Express transactions. The value of the type field determines which variant you should use: optBlue Amex OptBlue pricing program. direct Amex Direct pricing program.
                  • optBlueobject
                    • midQualRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • nonQualRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • qualifiedRateobjectrequired
                      Object that contains information about the processor fees.
                      • transactioninteger
                        Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                      • volumenumberdouble
                        Percentage of total transaction amount that the processor charges the merchant.0–100
                    • typestringrequired
                      Type of American Express program.optBlue
                  • directobject
                    • transactionintegerrequired
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • typestringrequired
                      Type of American Express program.direct
                • electronicBenefitsTransferobject
                  Object that contains the fees for EBT transactions.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • mastercardVisaDiscoverobjectrequired
                  • regulatedCheckCardobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • unregulatedCheckCardobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • midQualRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • nonQualRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • qualifiedRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                  • premiumRateobjectrequired
                    Object that contains information about the processor fees.
                    • transactioninteger
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • volumenumberdouble
                      Percentage of total transaction amount that the processor charges the merchant.0–100
                • pinDebitobject
                  Object that contains the fees for PIN-debit transactions.
                  • additionalDiscountnumberdoublerequired
                    Percentage of additional discount.0–100
                  • monthlyAccessintegerrequired
                    Monthly access fee for using PIN-debit services. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • specialityCardsobject
                  Object that contains the fees for speciality cards.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • planTypestringrequired
                Type of processing plan.tiered6
            • Flat Rate Planobject
              Object that contains information about Flat Rate.
              • feesobjectrequired
                Object that contains information about the Flat Rate fees.
                • amexobject
                  Polymorphic object that contains fees for American Express transactions.
                  • directobject
                    • transactionintegerrequired
                      Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                    • typestringrequired
                      Type of American Express program.direct
                • electronicBenefitsTransferobject
                  Object that contains the fees for EBT transactions.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • pinDebitobject
                  Object that contains the fees for PIN-debit transactions.
                  • additionalDiscountnumberdoublerequired
                    Percentage of additional discount.0–100
                  • monthlyAccessintegerrequired
                    Monthly access fee for using PIN-debit services. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • specialityCardsobject
                  Object that contains the fees for speciality cards.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • standardCardsobjectrequired
                  Object that contains information about the processor fees.
                  • transactioninteger
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • volumenumberdouble
                    Percentage of total transaction amount that the processor charges the merchant.0–100
              • planTypestringrequired
                Type of processing plan.flatRate
            • Consumer Choice Planobject
              Object that contains information about ConsumerChoice.
              • feesobjectrequired
                Object that contains information about the fees.
                • electronicBenefitsTransferobject
                  Object that contains the fees for EBT transactions.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • merchantChargePercentagenumberdouble
                  Percentage of the total transaction amount that the processor charges the merchant.0–100
                • monthlySubscriptionintegerrequired
                  Fee for the monthly subscription for the processing plan. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • pinDebitobject
                  Object that contains the fees for PIN-debit transactions.
                  • additionalDiscountnumberdoublerequired
                    Percentage of additional discount.0–100
                  • monthlyAccessintegerrequired
                    Monthly access fee for using PIN-debit services. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • specialityCardsobject
                  Object that contains the fees for speciality cards.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • volumenumberdoublerequired
                  Merchant-authorized percentage on non-cash transactions.0–100
              • planTypestringrequired
                Type of processing plan.consumerChoice
            • RewardPayChoice Planobject
              Object that contains information about RewardPayChoice.
              • feesobjectrequired
                Object that contains information about the fees.
                • creditobjectrequired
                  Object that contains information about fees for credit transactions.
                  • merchantChargePerTransactioninteger
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • tipsstring
                    Indicates how the merchant manages tips.noTipstipPrompttipAdjust
                • debitobjectrequired
                  Object that contains information about fees for debit transactions.
                  • optionstring
                    Indicates if debit transactions should be charged at interchange plus or flat rate pricing.interchangePlusflatRate
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
                  • volumenumberdoublerequired
                    Percentage of the total transaction that the processor charges the merchant.0–100
                • monthlySubscriptionintegerrequired
                  Fee for the monthly subscription for the processing plan. The value is in the currency's lowest denomination, for example, cents.≥ 0
                • specialityCardsobject
                  Object that contains the fees for speciality cards.
                  • transactionintegerrequired
                    Fee for each transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • planTypestringrequired
                Type of processing plan.rewardPayChoice
        • servicesobject[]
          Object that contains information about our additional services that the merchant can sign up for.
          • option 1object
            Object that contains information about the Hardware Advantage Plan.
            • enabledbooleanrequired
              Indicates if the merchant has signed up for the Hardware Advantage Plan.
            • namestringrequired
              Name of the service.hardwareAdvantagePlan
          • option 2object
            Object that contains the fees for account updater service.
            • feesobjectrequired
              Object that contains information about the gateway fees.
              • monthlyintegerrequired
                Monthly fee for Account Updater service. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • perUpdateintegerrequired
                Fee for each account update. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • setupintegerrequired
                Setup fee for Account Updater service. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • namestringrequired
              Name of the service.accountUpdater
          • option 3object
            Object that contains the fees for wireless processing.
            • feesobjectrequired
              • monthlyAccessintegerrequired
                Monthly network access fee for Wireless Processing. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • setupintegerrequired
                Setup fee for Wireless Processing. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • namestringrequired
              Name of the service.wirelessProcessing
          • option 4object
            Object that contains the fees for the Clover platform service.
            • feesobjectrequired
              Object that contains the Clover platform fee amounts.
              • dataProtectionPerMidintegerrequired
                Data Protection Services fee per MID. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • keyedAuthorizationPerTransactionintegerrequired
                Fee per keyed or card-not-present transaction. The value is in the currency's lowest denomination, for example, cents.≥ 0
              • platformMonthlyintegerrequired
                Monthly platform fee for Clover. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • namestringrequired
              Name of the service.cloverProcessing
          • option 5object
            Object that contains the fees for the Roc Services gateway.
            • feesobjectrequired
              Object that contains the Roc Services fee amounts.
              • monthlyintegerrequired
                Monthly fee for Roc Services. The value is in the currency's lowest denomination, for example, cents.≥ 0
            • namestringrequired
              Name of the service.rocServicesProcessing
        • versionstringrequired
          Version of the MPA.5.2
  • processingobjectrequired
    Object that contains information about how we process transactions for the account.
    • achobject
      Object that contains information about Automated Clearing House (ACH) transactions.
      • estimatedMonthlyTransactionsintegerrequired
        Estimated maximum number of transactions that the merchant will process in a month.
      • limitsobjectrequired
        Object that contains information about transaction limits for the processing account.
        • dailyDepositintegerrequired
          Maximum amount of total transactions allowed per day. The value is in the currency's lowest denomination, for example, cents.
        • monthlyDepositintegerrequired
          Maximum amount of total transactions allowed per month. The value is in the currency's lowest denomination, for example, cents.
        • singleTransactionintegerrequired
          Maximum amount allowed for a single debit or credit transaction. The value is in the currency's lowest denomination, for example, cents.
      • naicsstring
        North American Industry Classification System (NAICS) code.≤ 6 chars
      • previouslyTerminatedForAchboolean
        Indicates if the business or its principals were previously turned down for ACH processing.
      • refundsobjectrequired
        Object that contains information about the ACH refund policy for the processing account.
        • refundPolicyUrlstring
          URL of the written refund policy.≤ 2000 chars
        • writtenRefundPolicybooleanrequired
          Indicates if the business has a written refund policy.
      • transactionTypesstring[]
        List of transaction types that the processing account supports.
      • transactionTypesOtherstring
        If you send a value of other for transactionTypes, provide a list of the supported transaction types.≤ 100 chars
    • cardAcceptanceobject
      Object that contains information about the types of cards that the processing account accepts.
      • cardsAcceptedstring[]
        List of card types the merchant accepts.
      • debitOnlyboolean
        Indicates if the merchant accepts only debit cards.
      • hsaFsaboolean
        Indicates if the merchant accepts health savings account (HSA) and flexible spending account (FSA) cards.
      • specialityCardsobject
        Information about the speciality cards that the merchant accepts.
        • americanExpressDirectobject
          Object that indicates if the merchant accepts American Express Direct cards and contains the merchant’s American Express merchant number.
          • enabledboolean
            Indicates if the merchant accepts American Express Direct.
          • merchantNumberstring
            If the merchant accepts American Express Direct, provide their American Express merchant number.≤ 100 chars
        • electronicBenefitsTransferobject
          Object that indicates if the merchant accepts Electronic Benefits Transfer (EBT) cards and contains the merchant’s Food and Nutrition Services (FNS) number.
          • enabledboolean
            Indicates if the merchant accepts EBT.
          • fnsNumberstring
            If the merchant accepts EBT, provide their FNS number.≤ 7 chars
        • otherobject
          Object that contains information about other speciality cards that the merchant accepts.
          • fleetMerchantIdstring
            If the merchant accepts Fleet, provide their Fleet merchant ID.≤ 50 chars
          • voyagerMerchantIdstring
            If the merchant accepts Voyager, provide their Voyager merchant ID.≤ 50 chars
          • wexMerchantNumberstring
            If the merchant accepts WEX, provide their WEX merchant number.≤ 50 chars
    • isSeasonalboolean
      Indicates if the processing account runs transactions on a seasonal basis. For example, if the processing account runs transactions during only the winter months, send a value of true.
    • monthlyAmountsobjectrequired
      Object that contains information about the monthly processing amounts for the processing account.
      • averageintegerint64required
        Estimated average transaction amount each month. The value is in the currency's lowest denomination, for example, cents. You must provide an amount that is greater than zero.
      • highestintegerint64required
        Estimated maximum transaction amount each month. The value is in the currency's lowest denomination, for example, cents. You must provide an amount that is greater than zero.
    • monthsOfOperationstring[]
      Months of the year that the processing account runs transactions.≤ 12 items
    • transactionAmountsobjectrequired
      Object that contains information about transaction amounts for the processing account.
      • averageintegerint64required
        Estimated average transaction amount. The value is in the currency's lowest denomination, for example, cents. You must provide an amount that is greater than zero.
      • highestintegerint64required
        Estimated maximum transaction amount. The value is in the currency's lowest denomination, for example, cents. You must provide an amount that is greater than zero.
    • volumeBreakdownobjectrequired
      Object that contains information about the types of transactions ran by the processing account. The percentages for transaction types must total 100%.
      • cardPresentintegerint32required
        Estimated percentage of card-present transactions.
      • ecommerceintegerint32required
        Estimated percentage of e-Commerce transactions.
      • mailOrTelephoneintegerint32required
        Estimated percentage of mail order or telephone transactions.
  • processorstring
    Processor that authorizes and settles transactions for the processing account. Note: We recommend that you include a value for the processor parameter and not rely on the default value.tsysfiserv
  • signatureobjectrequired
    Polymorphic object that contains information about how we captured the owner's signature. The value of the type parameter determines which variant you should use: requestedViaDirectLink Request signature using a link. requestedViaEmail Request signature by email.
    • requestedViaDirectLinkobject
      Object that contains signature information if we captured the merchant’s signature by direct link.
      • typestringrequired
        Method used to capture the owner's signature.requestedViaDirectLink
    • requestedViaEmailobject
      Object that contains signature information if we captured the merchant’s signature by email.
      • typestringrequired
        Method used to capture the owner's signature.requestedViaEmail
  • timezonestringrequired
    Time zone for the processing account.≤ 28 charsPacific/MidwayPacific/HonoluluAmerica/AnchorageAmerica/Los_AngelesAmerica/DenverAmerica/PhoenixAmerica/ChicagoAmerica/Indiana/Indianapolis+1 more
  • websitestring
    Website address of the business.≤ 128 chars

Responses

Successful request. We created the processing account.

201 Created · application/json
{
  "addendums": [
    {
      "type": "telehealthV1"
    },
    {
      "type": "firearmsV1"
    }
  ],
  "address": {
    "address1": "1 Example Ave.",
    "address2": "Example Address Line 2",
    "address3": "Example Address Line 3",
    "city": "Chicago",
    "country": "US",
    "postalCode": "60056",
    "state": "Illinois"
  },
  "businessStartDate": "2020-01-01",
  "businessType": "restaurant",
  "categoryCode": 5999,
  "contactMethods": [
    {
      "type": "email",
      "value": "jane.doe@example.com"
    }
  ],
  "contacts": [
    {
      "contactId": 1543,
      "firstName": "Jane",
      "lastName": "Doe",
      "link": {
        "href": "https://api.payroc.com/v1/contacts/1543",
        "method": "get",
        "rel": "contact"
      }
    }
  ],
  "createdDate": "2024-07-02T12:00:00.000+00:00",
  "doingBusinessAs": "Pizza Doe",
  "funding": {
    "acceleratedFundingFee": 1999,
    "dailyDiscount": false,
    "fundingAccounts": [
      {
        "fundingAccountId": 123,
        "link": {
          "href": "https://api.payroc.com/v1/funding-accounts/123",
          "method": "get",
          "rel": "fundingAccount"
        },
        "status": "pending"
      }
    ],
    "fundingSchedule": "nextday",
    "status": "enabled"
  },
  "lastModifiedDate": "2024-07-02T12:00:00.000+00:00",
  "merchandiseOrServiceSold": "Pizza",
  "metadata": {
    "customerId": "2345"
  },
  "owners": [
    {
      "firstName": "Jane",
      "lastName": "Doe",
      "link": {
        "href": "https://api.payroc.com/v1/owners/4564",
        "method": "get",
        "rel": "owner"
      },
      "ownerId": 4564
    }
  ],
  "pricing": {
    "link": {
      "href": "https://api.payroc.com/v1/processing-accounts/38765/pricing",
      "method": "get",
      "rel": "pricing"
    }
  },
  "processing": {
    "monthlyAmounts": {
      "average": 50000,
      "highest": 100000
    },
    "transactionAmounts": {
      "average": 5000,
      "highest": 10000
    },
    "volumeBreakdown": {
      "cardPresent": 77,
      "ecommerce": 20,
      "mailOrTelephone": 3
    }
  },
  "processingAccountId": "38765",
  "processor": "tsys",
  "signature": {
    "link": {
      "href": "https://us.agreementexpress.net/mv2/viewer2.jsp?docId=00000000-0000-0000-0000-000000000000",
      "method": "get",
      "rel": "agreement"
    },
    "type": "requestedViaDirectLink"
  },
  "status": "entered",
  "timezone": "America/Chicago",
  "website": "www.example.com"
}
Response schema · 198 fields
  • addendumsobject[]required
    Array of polymorphic addendumEntry objects. Each object indicates the additional form that we sent to the merchant with the Merchant Processing Agreement (MPA). The value of the type parameter determines which variant you should use.
    • option 1object
      Installment Payments, Loans, or Lease Questionnaire/Attestation for merchants that offer installment payments, loans, or leases.
      • typestringrequired
    • option 2object
      Money Services Business Questionnaire for merchants that offer money services, for example, traveler's checks.
      • typestringrequired
    • option 3object
      Telehealth Attestation for merchants that provide telehealth services.
      • typestringrequired
    • option 4object
      Firearms Due Diligence for merchants that sell firearms.
      • typestringrequired
    • option 5object
      Attestation of Compliance and Questionnaire for pharmaceutical merchants that accept CNP transactions.
      • typestringrequired
    • option 6object
      CBD Attestation for merchants that sell any of the following products: CBD products Synthetic THC or Cannabis HHC Kratom Tianeptine Delta 8/9/10/0 THC products
      • typestringrequired
    • option 7object
      CNP Tobacco Merchant Questionnaire for merchants that sell tobacco products and accept CNP transactions.
      • typestringrequired
    • option 8object
      Donations Addendum for merchants that accept donations.
      • typestringrequired
    • option 9object
      Clover Merchant Processing Amendment for merchants that order Clover equipment.
      • lineItemsobjectrequired
        Object that contains information about the Clover equipment and accessories that the merchant wants to order.
        • cloverBarCodeScannerobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverCashDrawerobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverCompactobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverCompactTetherCableobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverFlex4thGenobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverFlexPocketobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverHandsFreeScannerobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverKds14object
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverKds24object
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverKitchenPrinterobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverKitchenPrinterThermalobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverMiniLte3rdGenobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverSoloPosSystemobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverStationDuoGen2PosSystemobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
        • cloverWeightScaleobject
          Object that contains information about the cost of each item and the number of items that the merchant wants to order.
          • quantityintegerrequired
            Number of units.≥ 1
          • totalPriceintegerrequired
            Total cost for all devices in this line item, in cents (USD).≥ 0
      • typestringrequired
    • option 10object
      Roc Giving Addendum for merchants that use Roc Giving.
      • accountAdminContactobjectrequired
        Object that contains contact details for the Roc Giving account administrator.
        • emailAddressstringrequired
          Email address of the Roc Giving account administrator.≤ 50 chars
        • firstNamestringrequired
          First name of the Roc Giving account administrator.≤ 50 chars
        • lastNamestringrequired
          Last name of the Roc Giving account administrator.≤ 50 chars
        • phonestring
          Phone number of the Roc Giving account administrator.≤ 15 chars
      • autoCloseTimestringrequired
        Time that the processing terminal closes the batch in HH:mm format using the 24-hour clock.≤ 5 chars
      • donorSupportPercentagenumberrequired
        Percentage of the total donation amount that a donor can add to their donation to provide additional support to the organization.0–100
      • planstring
        Roc Giving pricing plan for the processing account. The value is one of the following: basic Merchant has access to the features available with the basic Roc Giving plan. advanced Merchant has access to the additional features available with the advanced Roc Giving plan.basicadvanced
      • typestringrequired
  • addressobjectrequired
    Polymorphic object that contains address information for the processing account.
    • addressobject
      Object that contains information about the address.
      • address1stringrequired
        Address line 1.≤ 150 chars
      • address2string
        Address line 2.≤ 150 chars
      • address3string
        Address line 3.≤ 150 chars
      • citystringrequired
        City.≤ 50 chars
      • countrystringrequired
        Two-digit country code for the country that the business operates in. The format follows the ISO-3166-1 standard.2–2 chars
      • postalCodestringrequired
        Zip code or postal code.≤ 10 chars
      • statestringrequired
        Name of the state or state abbreviation.≤ 50 chars
  • businessStartDatestringdate
    Date that the business was established. The format of the value is YYYY-MM-DD.
  • businessTypestring
    Type of business.retailrestaurantinternetmotolodgingnotForProfit
  • categoryCodeintegerint32
    Merchant Category Code (MCC) for the type of business.≤ 4 chars
  • contactMethodsobject[]required
    Array of polymorphic objects, which contain contact information. Note: You must provide an email address. The value of the type parameter determines which variant you should use: email Email address phone Phone number mobile Mobile number fax Fax number≥ 1 items
    • emailobject
      • typestringrequired
        Type of contact method.email
      • valuestringrequired
        Email address.≤ 50 chars
    • phoneobject
      • typestringrequired
        Type of contact method.phone
      • valuestringrequired
        Phone number.≤ 15 chars
    • mobileobject
      • typestringrequired
        Type of contact method.mobile
      • valuestringrequired
        Mobile number.≤ 15 chars
    • faxobject
      • typestringrequired
        Type of contact method.fax
      • valuestringrequired
        Fax number.≤ 15 chars
  • contactsobject[]
    Array of contact objects.
    • contactIdinteger
      Unique identifier of the contact.
    • firstNamestring
      Contact's first name.
    • lastNamestring
      Contact's last name.
    • linkobject
      Object that contains HATEOAS links for the contact.
      • hrefstring
        Link to the resource.
      • methodstring
        HTTP method you can use to retrieve the resource.
      • relstring
        Relationship to the parent resource.
  • createdDatestringdate-time
    Date and time that we received your request to create the processing account in our system.
  • doingBusinessAsstringrequired
    Trading name of the business.≤ 100 chars
  • fundingobjectrequired
    Object that contains funding information for the processing account, including funding schedules, funding fees, and details of funding accounts.
    • acceleratedFundingFeeinteger
      Monthly fee in cents for accelerated funding. The value is in the currency's lowest denomination, for example, cents. We apply this fee if the value for fundingSchedule is sameday or nextday.
    • dailyDiscountboolean
      Indicates if we collect fees from the merchant's account each day.
    • fundingSchedulestring
      Indicates when funds are sent to the funding account. If you send a value of sameDay or nextDay, provide a value for acceleratedFundingFee. Note: If you send a value of sameday, funding includes all transactions the merchant ran before the ACH cut-off time.standardnextdaysameday
    • statusstring
      Indicates if the processing account can receive funds.enableddisabled
    • fundingAccountsobject[]
      Object that contains funding accounts associated with the processing account.1–2 items
      • fundingAccountIdinteger
        Unique identifier that we assigned to the funding account.
      • linkobject
        Object that contains HATEOAS links for the resource.
        • hrefstringrequired
          URL of the target resource.
        • methodstringrequired
          HTTP method that you need to use with the target resource.
        • relstringrequired
          Indicates the relationship between the current resource and the target resource.
      • statusstring
        Status of the funding account.approvedrejectedpending
  • lastModifiedDatestringdate-time
    Date and time that the processing account was last modified.
  • linksobject[]
    Array of useful links related to your request.
    • hrefstringrequired
      URL of the target resource.
    • methodstringrequired
      HTTP method that you need to use with the target resource.
    • relstringrequired
      Indicates the relationship between the current resource and the target resource.
  • merchandiseOrServiceSoldstringrequired
    Description of the services or merchandise sold by the business.≤ 125 chars
  • metadataobject
    Object that you can send to include custom data in the request. For more information about how to use metadata, go to Metadata.
  • ownersobject[]required
    Object that contains information about the owners of the business.
    • firstNamestring
      Owner's first name.
    • lastNamestring
      Owner's last name.
    • linkobject
      HATEOAS links to the owners of the processing account.
      • hrefstring
        URL of the target resource.
      • methodstring
        HTTP method that you need to use with the target resource.
      • relstring
        Indicates the relationship between the current resource and the target resource.
    • ownerIdinteger
      Unique identifier of the owner.
  • pricingobjectrequired
    Object that HATEOAS links to the pricing information that we apply to the processing account.
    • linkobject
      Object that contains HATEOAS links to the pricing information for the processing account.
      • hrefstring
        URL of the target resource.
      • methodstring
        HTTP method that you need to use with the target resource.
      • relstring
        Indicates the relationship between the current resource and the target resource.
  • processingobjectrequired
    Object that contains information about how we process transactions for the account.
    • achobject
      Object that contains information about Automated Clearing House (ACH) transactions.
      • estimatedMonthlyTransactionsintegerrequired
        Estimated maximum number of transactions that the merchant will process in a month.
      • limitsobjectrequired
        Object that contains information about transaction limits for the processing account.
        • dailyDepositintegerrequired
          Maximum amount of total transactions allowed per day. The value is in the currency's lowest denomination, for example, cents.
        • monthlyDepositintegerrequired
          Maximum amount of total transactions allowed per month. The value is in the currency's lowest denomination, for example, cents.
        • singleTransactionintegerrequired
          Maximum amount allowed for a single debit or credit transaction. The value is in the currency's lowest denomination, for example, cents.
      • naicsstring
        North American Industry Classification System (NAICS) code.≤ 6 chars
      • previouslyTerminatedForAchboolean
        Indicates if the business or its principals were previously turned down for ACH processing.
      • refundsobjectrequired
        Object that contains information about the ACH refund policy for the processing account.
        • refundPolicyUrlstring
          URL of the written refund policy.≤ 2000 chars
        • writtenRefundPolicybooleanrequired
          Indicates if the business has a written refund policy.
      • transactionTypesstring[]
        List of transaction types that the processing account supports.
      • transactionTypesOtherstring
        If you send a value of other for transactionTypes, provide a list of the supported transaction types.≤ 100 chars
    • cardAcceptanceobject
      Object that contains information about the types of cards that the processing account accepts.
      • cardsAcceptedstring[]
        List of card types the merchant accepts.
      • debitOnlyboolean
        Indicates if the merchant accepts only debit cards.
      • hsaFsaboolean
        Indicates if the merchant accepts health savings account (HSA) and flexible spending account (FSA) cards.
      • specialityCardsobject
        Information about the speciality cards that the merchant accepts.
        • americanExpressDirectobject
          Object that indicates if the merchant accepts American Express Direct cards and contains the merchant’s American Express merchant number.
          • enabledboolean
            Indicates if the merchant accepts American Express Direct.
          • merchantNumberstring
            If the merchant accepts American Express Direct, provide their American Express merchant number.≤ 100 chars
        • electronicBenefitsTransferobject
          Object that indicates if the merchant accepts Electronic Benefits Transfer (EBT) cards and contains the merchant’s Food and Nutrition Services (FNS) number.
          • enabledboolean
            Indicates if the merchant accepts EBT.
          • fnsNumberstring
            If the merchant accepts EBT, provide their FNS number.≤ 7 chars
        • otherobject
          Object that contains information about other speciality cards that the merchant accepts.
          • fleetMerchantIdstring
            If the merchant accepts Fleet, provide their Fleet merchant ID.≤ 50 chars
          • voyagerMerchantIdstring
            If the merchant accepts Voyager, provide their Voyager merchant ID.≤ 50 chars
          • wexMerchantNumberstring
            If the merchant accepts WEX, provide their WEX merchant number.≤ 50 chars
    • isSeasonalboolean
      Indicates if the processing account runs transactions on a seasonal basis. For example, if the processing account runs transactions during only the winter months, send a value of true.
    • merchantIdstring
      Unique identifier that the acquiring platform assigns to the merchant.≤ 15 chars
    • monthlyAmountsobjectrequired
      Object that contains information about the monthly processing amounts for the processing account.
      • averageintegerint64required
        Estimated average transaction amount each month. The value is in the currency's lowest denomination, for example, cents. You must provide an amount that is greater than zero.
      • highestintegerint64required
        Estimated maximum transaction amount each month. The value is in the currency's lowest denomination, for example, cents. You must provide an amount that is greater than zero.
    • monthsOfOperationstring[]
      Months of the year that the processing account runs transactions.≤ 12 items
    • transactionAmountsobjectrequired
      Object that contains information about transaction amounts for the processing account.
      • averageintegerint64required
        Estimated average transaction amount. The value is in the currency's lowest denomination, for example, cents. You must provide an amount that is greater than zero.
      • highestintegerint64required
        Estimated maximum transaction amount. The value is in the currency's lowest denomination, for example, cents. You must provide an amount that is greater than zero.
    • volumeBreakdownobjectrequired
      Object that contains information about the types of transactions ran by the processing account. The percentages for transaction types must total 100%.
      • cardPresentintegerint32required
        Estimated percentage of card-present transactions.
      • ecommerceintegerint32required
        Estimated percentage of e-Commerce transactions.
      • mailOrTelephoneintegerint32required
        Estimated percentage of mail order or telephone transactions.
  • processingAccountIdstring
    Unique identifier of the processing account.
  • processorstring
    Processor that authorizes and settles transactions for the processing account. Note: We recommend that you include a value for the processor parameter and not rely on the default value.tsysfiserv
  • signatureobjectrequired
    Polymorphic object that contains information about how we captured the owner's signature. The value of the type parameter determines which variant you should use: requestedViaDirectLink Request signature using a link. requestedViaEmail Request signature by email.
    • requestedViaDirectLinkobject
      Object that contains signature information if we captured the merchant’s signature by direct link.
      • linkobject
        Object that contains links to the signed contract.
        • hrefstringrequired
          URL of the target resource.
        • methodstringrequired
          HTTP method that you need to use with the target resource.
        • relstringrequired
          Indicates the relationship between the current resource and the target resource.
      • typestringrequired
        Method used to capture the owner's signature.requestedViaDirectLink
    • requestedViaEmailobject
      Object that contains signature information if we captured the merchant’s signature by email.
      • typestringrequired
        Method used to capture the owner's signature.requestedViaEmail
  • statusstring
    Status of the processing account. entered We have received information about the account, but we have not yet reviewed it. pending We have reviewed the information about the account, but we have not yet approved it. approved We have approved the account for processing transactions and funding. subjectTo We have approved the account, but we are waiting on further information. dormant Account is closed for a period. nonProcessing We have approved the account, but the merchant has not yet run a transaction. rejected We rejected the application for the processing account. terminated Processing account is closed. cancelled Merchant withdrew the application for the processing account. Note: You can subscribe to our processingAccount.status.changed event to get notifications when we change the status of a processing account. For more information about how to subscribe to events, go to Event Subscriptions.enteredpendingapprovedsubjectTodormantnonProcessingrejectedterminated+1 more
  • timezonestringrequired
    Time zone for the processing account.≤ 28 charsPacific/MidwayPacific/HonoluluAmerica/AnchorageAmerica/Los_AngelesAmerica/DenverAmerica/PhoenixAmerica/ChicagoAmerica/Indiana/Indianapolis+1 more
  • websitestring
    Website address of the business.≤ 128 chars

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