Step 1: Create an Identity for a Merchant

POST {{sandboxAPI}}/identities

Let’s start with the first step by creating an Identity resource. Each Identity represents either a person or a business. We use this resource to associate cards and payouts. This structure makes it simple to manage and reconcile payment instruments and payout history. Accounting of funds is done using the Identity so it’s recommended to have an Identity per recipient of funds. Additionally, the Identity resource is optionally used to collect KYC information.

You’ll want to store the ID of the newly created Identity resource for reference later.

Request Body

{"tags"=>{"Studio Rating"=>"4.7"}, "entity"=>{"last_name"=>"Sunkhronos", "max_transaction_amount"=>12000000, "has_accepted_credit_cards_previously"=>true, "default_statement_descriptor"=>"Pollos Hermanos", "personal_address"=>{"city"=>"San Mateo", "country"=>"USA", "region"=>"CA", "line2"=>"Apartment 7", "line1"=>"741 Douglass St", "postal_code"=>"94114"}, "incorporation_date"=>{"year"=>1978, "day"=>27, "month"=>6}, "business_address"=>{"city"=>"San Mateo", "country"=>"USA", "region"=>"CA", "line2"=>"Apartment 8", "line1"=>"741 Douglass St", "postal_code"=>"94114"}, "ownership_type"=>"PRIVATE", "first_name"=>"dwayne", "title"=>"CEO", "business_tax_id"=>"123456789", "doing_business_as"=>"Pollos Hermanos", "principal_percentage_ownership"=>50, "email"=>"user@example.org", "mcc"=>"0742", "phone"=>"1234567890", "business_name"=>"Pollos Hermanos", "tax_id"=>"123456789", "business_type"=>"INDIVIDUAL_SOLE_PROPRIETORSHIP", "business_phone"=>"+1 (408) 756-4497", "dob"=>{"year"=>1978, "day"=>27, "month"=>6}, "url"=>"www.PollosHermanos.com", "annual_card_volume"=>12000000}, "additional_underwriting_data"=>{"average_card_transfer_amount"=>200000, "average_ach_transfer_amount"=>200000, "annual_ach_volume"=>200000, "business_description"=>"SB3 vegan cafe", "credit_check_ip_address"=>"42.1.1.113", "credit_check_timestamp"=>"2021-04-28T16:42:55Z", "credit_check_allowed"=>true, "credit_check_user_agent"=>"Mozilla 5.0(Macintosh; IntelMac OS X 10 _14_6)", "merchant_agreement_accepted"=>true, "merchant_agreement_ip_address"=>"42.1.1.113", "merchant_agreement_timestamp"=>"2021-04-28T16:42:55Z", "merchant_agreement_user_agent"=>"Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_6)", "refund_policy"=>"MERCHANDISE_EXCHANGE_ONLY", "card_volume_distribution"=>{"card_present_percentage"=>30, "ecommerce_percentage"=>60, "mail_order_telephone_order_percentage"=>10}, "volume_distribution_by_business_type"=>{"business_to_business_volume_percentage"=>100, "business_to_consumer_volume_percentage"=>0, "person_to_person_volume_percentage"=>0, "consumer_to_consumer_volume_percentage"=>0}}}

HEADERS