Generating a Merchant Application

Note: The following steps are performed by the Partner, who is responsible for collecting merchant details and initiating the onboarding process.

To generate a merchant application:

1

Create a Merchant Application

To initiate merchant onboarding, collect the required details during your sign-up process. This includes the merchant’s email, business name, and Merchant Category Code (MCC).

{
    "merchantInformation": {
        "dbaName": "Stark Industries",
        "emailAddress": "[e-mail]"
    },
    "salesProfile": {
        "mccCode": "5085"
    }
}

With these basic details, a merchant can initiate the onboarding process. The Automated Merchant Onboarding tool allows merchants to onboard into the system with minimal input, reducing integration efforts and streamlining the application process.

To further optimize the onboarding process, include all essential information upfront when passing data to the associated API (Launch for Integrators API). By providing comprehensive client-specific details in the POST request, you ensure that the generated application URL is pre-filled with relevant data. This minimizes redundant data entry for merchants, accelerates the onboarding process, and reduces potential delays.

{
    "merchant": {
        "merchantInformation": {
            "dbaName": "Stark Industries",
            "merchantNumber": "6588949992012345",
            "emailAddress": "[e-mail]",
            "website": “starkindustries.com”,
            "phones": null,
            "acceptsPaperStatements": false,
            "acceptsPaperTaxForms": false,
            "companyTypeId": 0,
            "seasonalSchedule": null,
            "salesInformation": null
        },
        "mailingAddress": null,
        "physicalAddress": null,
        "bankAccounts": null,
        "businessContacts": null,
        "salesProfile": {
            "useExtraCnpValidation": true,
            "mccCode": "5085",
            "cardPresentPercentage": 0.0,
            "motoKeyedPercentage": 0.0,
            "eCommercePercentage": 0.0,
            "returnRefundPolicy": null,
            "productsSold": null,
            "previouslyAcceptedPaymentCards": false,
            "previouslyTerminatedOrIdentifiedByRiskMonitoring": false,
            "reasonPreviouslyTerminatedOrIdentifiedByRisk": null,
            "currentlyOpenForBusiness": false,
            "annualVolume": 0.0,
            "averageTicket": 0.0,
            "highTicket": 0.0,
            "ownsProduct": false,
            "ordersProduct": false,
            "sellsFirearms": false,
            "sellsFirearmAccessories": false,
            "futureDeliveryTypeId": null,
            "otherDeliveryType": null,
            "futureDeliveryPercentage": 0.0,
            "fireArmsLicense": null,
            "cardBrands": null,
            "ebtNumber": null,
            "amexMID": null,
            "sellsCBD": false,
            "cbdSalesTypeID": null,
            "salesProfileCBD": null
        },
        "taxpayer": null,
        "externalCustomerId": null,
        "pricingPlan": {
            "pricingFees": [
                {
                    ...
                }
            ],
            "pricingPlanID": 13539,
            "pricingPlanTemplateID": 1060,
            "pricingTypeCode": "D",
            "isAdvancedPricing": false,
            "isEMF": false,
            "isDailySettle": true,
            "includeAssessments": false
        }
    },
    "applicationURL": "https://boarding-sb.clearent.net/launch-integrator-setup/merchant/4c87c74b-a483-4d4f-8656-b412345abcde",
    "errors": [],
    "metadata": {
        "exchangeId": "ID-clearent-security-edge-proxy-service-2-64e45785-eedd-40ae-a580-7d7709930004",
        "timestamp": "2024-06-28T15:10:53.7273247Z"
    }
}

2

Redirecting to the Application URL

After generating the application, the system generates an Application URL. You can either redirect the merchant automatically or send the link via email for them to complete the process.

{
…
"applicationURL": "https://boarding-sb.clearent.net/launch-integrator-setup/merchant/4c87c74b-a483-4d4f-8656-b46a59e2e3d4",
…
}

Once redirected, the merchant lands on the Automated Merchant Onboarding hosted application page, where they can enter additional details, verify their identity, and sign required documents digitally, ensuring a fast and seamless onboarding experience.

The applicant has seven days from the creation date to complete the application. If the application is not completed within seven days, the application will expire, and a new application will need to be created and completed.