# Get merchant

Endpoint: GET /v1/merchants/{merchant_id}
Version: v1
Security: account-password-sign-in, api-key-secret

## Path parameters:

  - `merchant_id` (string, required)

## Response 200 fields (application/json):

  - `id` (string, required)
    Example: "merchant_2x4y6z8a0b1c2d3e4f5g6h7j8k"

  - `phone` (string, required)
    Example: "12819374192"

  - `automatic_payouts` (boolean, required)
    Merchant payouts status

  - `deactivated` (boolean, required)
    Merchant deactivation flag

  - `created_at` (string, required)

  - `lead_id` (number, required)
    Onboarding application ID

  - `lead_onboarding_status` (string, required)
    Merchant onboarding status
    Enum: "NOT_STARTED", "IN_PROGRESS", "COMPLETED", "APPROVED", "FAILED"

  - `merchant` (object, required)
    Merchant onboarding information

  - `merchant.legal_business_name` (string, required)

  - `merchant.legal_phone` (string, required)

  - `merchant.business_phone` (string)

  - `merchant.business_type` (string, required)
    Enum: "Sole Proprietor", "Limited Liability (LLC)", "Partnership", "Association/State & Trust", "Tax Exempt Org", "Corporation"

  - `merchant.bank_account` (object, required)

  - `merchant.bank_account.bank_name` (string, required)

  - `merchant.bank_account.routing_number` (string, required)

  - `merchant.bank_account.account_holder_name` (string, required)

  - `merchant.bank_account.account_number` (string, required)

  - `merchant.bank_account.account_number_confirm` (string, required)

  - `merchant.tin` (string, required)

  - `merchant.tin_type` (string, required)
    Enum: "EIN", "SSN", "ITIN"

  - `merchant.doing_business_as` (string)

  - `merchant.business_established_date` (string, required)

  - `merchant.legal_business_address` (object, required)

  - `merchant.legal_business_address.address` (string, required)

  - `merchant.legal_business_address.city` (string, required)

  - `merchant.legal_business_address.state` (string, required)

  - `merchant.legal_business_address.zip` (string, required)

  - `merchant.dba_address` (object)

  - `merchant.owner_one` (object, required)

  - `merchant.owner_one.first_name` (string, required)

  - `merchant.owner_one.contact_phone` (string)

  - `merchant.owner_one.last_name` (string, required)

  - `merchant.owner_one.middle_name` (string)

  - `merchant.owner_one.job_title` (string, required)
    Enum: "President", "Vice President", "Treasurer", "Owner", "Partner", "CEO", "Secretary", "Director", "Controller", "Accountant", "Chairman", "Contact Only"

  - `merchant.owner_one.ownership_percentage` (string, required)
    Ownership percentage as a numeric value between 0 and 100 (without % symbol)
    Example: "25"

  - `merchant.owner_one.email` (string, required)

  - `merchant.owner_one.date_of_birth` (string, required)

  - `merchant.owner_one.home_address` (object, required)

  - `merchant.owner_one.ssn` (string, required)

  - `merchant.owner_two` (object)

  - `merchant.owner_three` (object)

  - `merchant.owner_four` (object)

  - `merchant.main_product` (object, required)

  - `merchant.main_product.description` (string, required)

  - `merchant.main_product.category` (string, required)
    Enum: "Apparel", "B2B", "Construction", "Education", "Entertainment", "Financial Services", "Grocery and Food", "Lodging", "Medical", "Restaurants", "Retail", "Services", "Supplies", "Telemarketing and Direct Marketing", "Transportation", "Vehicle Sales, Parts and Service", "Wholesale"

  - `merchant.main_product.subcategory` (string, required)
    Enum: "Veterinary Services", "Agricultural Cooperatives", "Landscaping Services", "Miscellaneous Publishing and Printing Services", "Typesetting, Plate Making and Related Services (Business to Business MCC)", "Specialty Cleaning, Polishing and Sanitation Preparations (Business to Business MCC)", "Equipment Sales", "Tailors, Seamstresses, Mending, Alterations", "Laundry, Cleaning, and Garment Services", "Laundromats", "Dry Cleaners", "Carpet and Upholstery Cleaning", "Photographic Studios", "Beauty and Barber Shops", "Shoe Repair Shops, Shoe Shine Parlors, and Hat Cleaning Shops", "Funeral Services and Crematories", "Tax Preparation Services", "Counseling Services - Debt, Marriage, and Personal", "Clothing Rental - Costumes, Uniforms and Formal Wear", "Massage Parlors", "Health and Beauty Spas", "Miscellaneous Personal Services", "Advertising Services", "Blueprinting and Photocopying Services", "Commercial Photography, Art, and Graphics", "Quick Copy, Reproduction Service", "Stenographic Service", "Exterminating and Disinfecting Services", "Cleaning, Maintenance & Janitorial Services", "Computer Programming, Data Processing, and Integrated Systems Design Services", "Information Retrieval Services (B2B)", "Computer Maintenance, Repair and Services (B2B)", "Management, Consulting, and Public Relations Services", "Equipment, Tool, Furniture, and Appliance Rental and Leasing", "Photofinishing Laboratories and Photo Developing", "Business Services", "Truck Stops", "Automobile Rental Agency", "Truck and Utility Trailer Rentals", "Motor Home and Recreational Vehicle Rentals", "Parking Lots and Garages", "Express Parking Payments", "Automotive Top & Body Shops", "Tire Retreading & Repair", "Automotive Paint Shops", "Automotive Service Shops (Non-Dealer)", "Car Washes", "Towing Services", "Electronic Repair Shops", "Air Conditioning and Refrigeration Repair Shops", "Electrical and Small Appliance Repair Shops", "Watch, Clock, and Jewelry Repair Shops", "Furniture - Reupholster, Repair, and Refinishing", "Welding Services", "Miscellaneous Repair Shops and Related Services", "Legal Services and Attorneys", "Child Care Services", "Charitable and Social Service Organizations", "Civic, Social, and Fraternal Associations", "Political Organizations", "Religious Organizations", "Architectural, Engineering, and Surveying Services", "Graphic Designers", "i-Purchasing", "Mail", "Government", "Referral", "General Contractor", "HVAC, Plumbing", "Electricians", "Masonry, Tile and Insulation Contractors", "Carpentry", "Roofing, Siding, and Sheet Metal Work Contractors", "Concrete Work", "Special Trade Contractors, not otherwise listed", "Taxicabs and Limousines", "Storage", "Boat Rentals and Leasing", "Marinas, Marine Service, and Supplies", "Misc. Transportation", "Misc. business-to-business", "Office Furniture (B2B)", "Construction Materials (B2B)", "Office Equipment (B2B)", "Computers & Software (B2B)", "Commercial Equipment (B2B)", "Medical and Laboratory Supplies (B2B)", "Metal Products (B2B)", "Electrical Supplies (B2B)", "Hardware Supplies (B2B)", "Plumbing and Heating (B2B)", "Industrial Supplies (B2B)", "Specialty Jewelry (B2B)", "Miscellaneous Supplies (B2B)", "Office Supplies (B2B)", "Sewing Supplies (B2B)", "Uniforms (B2B)", "Footwear (B2B)", "Chemicals (B2B)", "Petroleum and Fuels (B2B)", "Books (B2B)", "Florists and Nurseries (B2B)", "Paints (B2B)", "Misc. goods (B2B)", "Pharmaceuticals", "Hearing Aids--Sales, Service, and Supplies", "Orthopedic Goods and Prosthetic Devices", "Doctors", "Dentists", "Osteopathic Physicians", "Chiropractors", "Optometrists and Ophthalmologists", "Opticians, Optical Goods and Eyeglasses", "Podiatrists and Chiropodists", "Nursing and Personal Care Facilities", "Hospitals", "Medical and Dental Laboratories", "Medical Services Health Practitioners - No Elsewhere Classified", "Home Supply Warehouses", "Lumber, Concrete, Sand & Gravel", "Glass, Paint and Wallpaper", "Hardware and Electrical", "Nursery and Garden Supplies", "Mobile homes", "Duty Free Stores", "Discount Store", "Department Stores", "Variety Stores", "Miscellaneous General Merchandise", "Wig & Toupee Shops", "Furniture and Home Furnishings Stores", "Floor coverings, Rugs", "Drapery, Window Covering, and Upholstery Stores", "Fireplaces and Accessories Stores", "Miscellaneous Home Furnishing Specialty Stores", "Appliances", "Electronics", "Music Stores", "Computer Software Stores", "Record Stores", "Digital Media, Books, Movies, Music", "Digital Goods – Games", "Digital Goods – Applications (Excludes Games)", "Large Digital Goods Merchant", "Drug Stores and Pharmacies", "Package Stores--Beer, Wine, and Liquor", "Secondhand store", "Antique Shop", "Pawn Shop", "Wrecking and Salvage Yards", "Antique Reproduction Stores", "Bicycle Shop-Sales and Services", "Sporting Goods Stores", "Book Stores", "Stationery, Office and School Supply Stores", "Jewelry Stores", "Hobby, Toy and Game Stores", "Camera and Photographic Supply Stores", "Gift, Card, Novelty, and Souvenir Stores", "Luggage and Leather Goods Stores", "Sewing, Needlework, Fabric, and Piece Good Stores", "Glassware and Crystal Stores", "Artist Supply and Craft Stores", "Art Dealers and Galleries", "Stamp and Coin Stores", "Religious Goods Stores", "Cosmetic Stores", "Typewriter Stores--Sales, Service, and Rentals", "Fuel Dealers--Fuel Oil, Wood, Coal, and Liquefied Petroleum", "Florists", "News Dealers & Newsstands", "Pet Shops, Pet Food, and Supplies", "Swimming Pools--Sales, Supplies, and Services", "Electric Razor Stores Sales & Services", "Tent and Awning Stores", "Miscellaneous & Specialty Retail Stores", "Grocery stores", "Frozen meat", "Candy and snacks", "Dairy products", "Pastries", "Miscellaneous", "New and Used Car Dealers", "Used Car Dealers", "Supplies", "Tires", "Auto Part Stores", "Boat Dealers", "Camper, Recreational and Utility Trailer Dealers", "Motorcycle Dealers", "Motor Home Dealers", "Snowmobile Dealers", "Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers", "Men's & Boys' Clothing and Accessory Stores", "Women's Ready-to-Wear Stores", "Women's Accessory and Specialty Stores", "Children's and Infants' Wear Stores", "Family Clothing Stores", "Sports and Riding Apparel Stores", "Shoe Stores", "Furriers & Fur Shops", "Men's and Women's Clothing Stores", "Miscellaneous Apparel and Accessory Stores", "Catering", "Restaurants", "Bars and Lounges", "Fast Food", "Insurance via Direct Mail", "Mail Order", "Lodging - Hotels, Motels, and Resorts", "Sporting and Recreational Camps", "Trailer Parks and Campgrounds", "Motion Picture Distribution", "Motion Picture Theater", "DVD/Video Tape Rental Stores", "Dance Halls, Studios & Schools", "Bands, Orchestras & Misc Entertainment", "Billiards & Pool Establishments", "Bowling Alleys", "Professional and Semi-Pro Athletic Clubs, Arenas and Stadiums", "Tourist Attractions", "Public Golf Courses", "Arcades", "Interactive Arcades including Paintball and Laser Tag", "Amusement Parks and Carnivals", "Recreational Membership Clubs", "Zoos and Aquariums", "Outdoor Recreation including pools, ice rinks, etc.", "Elementary and Secondary Schools", "Colleges, Universities, Professional Schools, and Junior Colleges", "Correspondence Schools", "Business and Secretarial Schools", "Trade and Vocational Schools", "Schools and Educational Services - Not Elsewhere Classified", "Real Estate Agents and Managers - Rentals; Property Management", "Accounting", "Visa", "Emergency", "U.K. Supermarkets, Electronic Hot File", "U.K. Petrol Stations, Electronic Hot File", "Electronics", "Quasi Cash", "Intra-Company Purchases"

  - `merchant.main_product.website` (string, required)

  - `merchant.main_contact_person` (object, required)

  - `merchant.main_contact_person.name` (string, required)

  - `merchant.main_contact_person.email` (string, required)

  - `merchant.current_sales` (object, required)

  - `merchant.current_sales.average_monthly_in_credit_card` (string, required)

  - `merchant.current_sales.average_ticket_value` (string, required)

  - `merchant.current_sales.highest_amount_to_date` (string, required)

  - `merchant.current_sales.sales_percentage` (object, required)

  - `merchant.current_sales.sales_percentage.card_swipe_percentage` (string, required)

  - `merchant.current_sales.sales_percentage.moto_percentage` (string)

  - `merchant.current_sales.sales_percentage.online_percentage` (string, required)

  - `merchant.current_sales.sales_percentage.keyed_percentage` (string, required)

  - `merchant.current_sales.average_amex_monthly_sales` (string, required)

  - `merchant.current_sales.average_amex_ticket_value` (string, required)

  - `merchant.bank_account_results` (string)

  - `merchant.capabilities` (object)
    Capabilities settings. When account has ACH capabilities, only monthly_fee and transaction_fee can be overridden in ACH options.

  - `merchant.capabilities.types` (array)
    Array of capability types
    Enum: "two_tiered", "pass_through_ic", "flat_rate", "tiered", "cash_discount", "ach"

  - `merchant.capabilities.options` (object)
    Capability options for each type
    Example: {"two_tiered":{"vmd_cp_rate_percent":"2.00","vmd_cp_fee_fixed":"0.10","vmd_cnp_rate_percent":"2.50","vmd_cnp_fee_fixed":"0.15","amex_cp_rate_percent":"3.10","amex_cp_fee_fixed":"0.25","amex_cnp_rate_percent":"3.50","amex_cnp_fee_fixed":"0.30"},"ach":{"txn_fee_percent":"1.50","txn_fee_fixed":"0.25"}}

  - `merchant.capabilities.options.two_tiered` (object)
    Example: {"vmd_cp_rate_percent":"2.00","vmd_cp_fee_fixed":"0.10","vmd_cnp_rate_percent":"2.50","vmd_cnp_fee_fixed":"0.15","amex_cp_rate_percent":"3.10","amex_cp_fee_fixed":"0.25","amex_cnp_rate_percent":"3.50","amex_cnp_fee_fixed":"0.30"}

  - `merchant.capabilities.options.pass_through_ic` (object)

  - `merchant.capabilities.options.flat_rate` (object)

  - `merchant.capabilities.options.tiered` (object)

  - `merchant.capabilities.options.cash_discount` (object)

  - `merchant.capabilities.options.ach` (object)
    Example: {"txn_fee_percent":"1.50","txn_fee_fixed":"0.25"}

  - `merchant.capabilities.options.ach.txn_fee_percent` (string)
    ACH transaction percentage fee
    Example: "1.50"

  - `merchant.capabilities.options.ach.txn_fee_fixed` (string)
    ACH transaction fixed fee
    Example: "0.25"

  - `merchant.capabilities.options.ach.return_fee_fixed` (string)
    ACH return fixed fee
    Example: "5.00"

  - `merchant.capabilities.options.ach.chargeback_fee_fixed` (string)
    ACH chargeback fixed fee
    Example: "10.00"

  - `merchant.capabilities.options.ach.monthly_fee` (string)
    ACH monthly fee
    Example: "25.00"

  - `merchant.capabilities.options.ach.daily_batch_fee` (string)
    ACH daily batch fee
    Example: "1.00"

  - `merchant.capabilities.options.ach.return_reversal_fee` (string)
    ACH return reversal fee
    Example: "7.50"

  - `merchant.fees` (object)
    Custom monthly fees for this merchant. If provided, will be merged with account fees. Only minimum_processing_fee and merchant_advance_service_charge can be overridden.

  - `merchant.fees.monthly` (object)
    Monthly fees for the merchant

  - `merchant.fees.monthly.minimum_processing_fee` (number)
    Minimum processing fee (applies to flat_rate pricing model)
    Example: 35

  - `merchant.fees.monthly.merchant_advance_service_charge` (number)
    Merchant advance service charge (applies to cash_discount pricing model)
    Example: 35

  - `payment` (object, required)
    Merchant payment information

  - `payment.tokenizer_publishable_key` (string, required)
    Public key used for tokenizer
    Example: "pub_XXXXXXXXXXXXXX"

  - `payment.terminal_id` (string, required)
    Terminal ID
    Example: "Cx78a65ada9"

  - `defaults` (object, required)
    Merchant default settings

  - `defaults.display_name` (string, required)
    Display name for the merchant
    Example: "My Store"

  - `defaults.logo` (string, required)
    Logo URL for the merchant
    Example: "https://example.com/logo.png"

  - `defaults.primary_color` (string, required)
    Primary color for merchant branding
    Example: "#FF5733"

  - `defaults.secondary_color` (string, required)
    Secondary color for merchant branding
    Example: "#FF5733"

  - `defaults.redirect_url` (string)
    URL to redirect after completing a transaction
    Example: "https://merchant-site.com/thank-you"

  - `defaults.custom_domain` (string)
    Custom domain for merchant onboarding
    Example: "https://apply.example.com"

  - `defaults.support` (object)
    ISV support contact information

  - `default_capabilities` (object, required)
    Merchant default capabilities

  - `default_capabilities.types` (array, required)
    Capability types
    Enum: "two_tiered", "pass_through_ic", "flat_rate", "tiered", "cash_discount", "ach"

  - `default_capabilities.options` (object, required)
    Capability options

  - `default_capabilities.options.two_tiered` (object, required)
    Two-tiered payment capabilities

  - `default_capabilities.options.two_tiered.vmd_cp_rate_percent` (string, required)
    Visa/Mastercard card present rate percent
    Example: "2.00"

  - `default_capabilities.options.two_tiered.vmd_cp_fee_fixed` (string, required)
    Visa/Mastercard card present fee fixed
    Example: "0.10"

  - `default_capabilities.options.two_tiered.vmd_cnp_rate_percent` (string, required)
    Visa/Mastercard card not present rate percent
    Example: "2.50"

  - `default_capabilities.options.two_tiered.vmd_cnp_fee_fixed` (string, required)
    Visa/Mastercard card not present fee fixed
    Example: "0.15"

  - `default_capabilities.options.two_tiered.amex_cp_rate_percent` (string, required)
    Amex card present rate percent
    Example: "3.10"

  - `default_capabilities.options.two_tiered.amex_cp_fee_fixed` (string, required)
    Amex card present fee fixed
    Example: "0.25"

  - `default_capabilities.options.two_tiered.amex_cnp_rate_percent` (string, required)
    Amex card not present rate percent
    Example: "3.50"

  - `default_capabilities.options.two_tiered.amex_cnp_fee_fixed` (string, required)
    Amex card not present fee fixed
    Example: "0.30"

  - `default_capabilities.options.pass_through_ic` (object, required)
    Pass-through IC payment capabilities

  - `default_capabilities.options.pass_through_ic.processor_markup_percent` (string, required)
    Processor markup percent
    Example: "0.10"

  - `default_capabilities.options.pass_through_ic.transaction_fee_fixed` (string, required)
    Transaction fee fixed
    Example: "0.10"

  - `default_capabilities.options.pass_through_ic.vmd_credit_discount_percent` (string, required)
    Visa/Mastercard credit discount percent

  - `default_capabilities.options.pass_through_ic.vmd_credit_fee_fixed` (string, required)
    Visa/Mastercard credit fee fixed

  - `default_capabilities.options.pass_through_ic.vmd_debit_discount_percent` (string, required)
    Visa/Mastercard debit discount percent

  - `default_capabilities.options.pass_through_ic.vmd_debit_fee_fixed` (string, required)
    Visa/Mastercard debit fee fixed

  - `default_capabilities.options.pass_through_ic.amex_discount_percent` (string, required)
    Amex discount percent

  - `default_capabilities.options.pass_through_ic.amex_fee_fixed` (string, required)
    Amex fee fixed

  - `default_capabilities.options.flat_rate` (object, required)
    Flat rate payment capabilities

  - `default_capabilities.options.flat_rate.rate_percent` (string, required)
    Flat rate percent
    Example: "2.90"

  - `default_capabilities.options.flat_rate.fee_fixed` (string, required)
    Fee fixed
    Example: "0.30"

  - `default_capabilities.options.flat_rate.vmd_credit_rate_percent` (string, required)
    Visa/Mastercard credit rate percent

  - `default_capabilities.options.flat_rate.vmd_credit_fee_fixed` (string, required)
    Visa/Mastercard credit fee fixed

  - `default_capabilities.options.flat_rate.vmd_debit_rate_percent` (string, required)
    Visa/Mastercard debit rate percent

  - `default_capabilities.options.flat_rate.vmd_debit_fee_fixed` (string, required)
    Visa/Mastercard debit fee fixed

  - `default_capabilities.options.flat_rate.amex_rate_percent` (string, required)
    Amex rate percent

  - `default_capabilities.options.flat_rate.amex_fee_fixed` (string, required)
    Amex fee fixed

  - `default_capabilities.options.tiered` (object, required)
    Tiered payment capabilities

  - `default_capabilities.options.tiered.vmd_qual_credit_rate_percent` (string, required)
    Visa/Mastercard qualified credit rate percent
    Example: "1.79"

  - `default_capabilities.options.tiered.vmd_midq_credit_rate_percent` (string, required)
    Visa/Mastercard mid-qualified credit rate percent
    Example: "2.19"

  - `default_capabilities.options.tiered.vmd_midq_credit_fee_fixed` (string, required)
    Visa/Mastercard mid-qualified credit fee fixed
    Example: "0.15"

  - `default_capabilities.options.tiered.vmd_nonq_credit_rate_percent` (string, required)
    Visa/Mastercard non-qualified credit rate percent
    Example: "3.25"

  - `default_capabilities.options.tiered.vmd_nonq_credit_fee_fixed` (string, required)
    Visa/Mastercard non-qualified credit fee fixed
    Example: "0.20"

  - `default_capabilities.options.tiered.vmd_qual_debit_rate_percent` (string, required)
    Visa/Mastercard qualified debit rate percent
    Example: "1.50"

  - `default_capabilities.options.tiered.vmd_midq_debit_rate_percent` (string, required)
    Visa/Mastercard mid-qualified debit rate percent
    Example: "1.90"

  - `default_capabilities.options.tiered.vmd_midq_debit_fee_fixed` (string, required)
    Visa/Mastercard mid-qualified debit fee fixed
    Example: "0.12"

  - `default_capabilities.options.tiered.vmd_nonq_debit_rate_percent` (string, required)
    Visa/Mastercard non-qualified debit rate percent
    Example: "2.95"

  - `default_capabilities.options.tiered.vmd_nonq_debit_fee_fixed` (string, required)
    Visa/Mastercard non-qualified debit fee fixed
    Example: "0.18"

  - `default_capabilities.options.tiered.amex_qual_credit_rate_percent` (string, required)
    Amex qualified credit rate percent
    Example: "2.89"

  - `default_capabilities.options.tiered.amex_midq_credit_rate_percent` (string, required)
    Amex mid-qualified credit rate percent
    Example: "3.29"

  - `default_capabilities.options.tiered.amex_midq_credit_fee_fixed` (string, required)
    Amex mid-qualified credit fee fixed
    Example: "0.25"

  - `default_capabilities.options.tiered.amex_nonq_credit_rate_percent` (string, required)
    Amex non-qualified credit rate percent
    Example: "4.35"

  - `default_capabilities.options.tiered.amex_nonq_credit_fee_fixed` (string, required)
    Amex non-qualified credit fee fixed
    Example: "0.30"

  - `default_capabilities.options.tiered.qualified_rate_percent` (string, required)
    Qualified rate percent (legacy)
    Example: "1.79"

  - `default_capabilities.options.tiered.qualified_fee_fixed` (string, required)
    Qualified fee fixed (legacy)
    Example: "0.10"

  - `default_capabilities.options.tiered.mid_qualified_rate_percent` (string, required)
    Mid-qualified rate percent (legacy)
    Example: "2.19"

  - `default_capabilities.options.tiered.mid_qualified_fee_fixed` (string, required)
    Mid-qualified fee fixed (legacy)
    Example: "0.15"

  - `default_capabilities.options.tiered.non_qualified_rate_percent` (string, required)
    Non-qualified rate percent (legacy)
    Example: "3.25"

  - `default_capabilities.options.tiered.non_qualified_fee_fixed` (string, required)
    Non-qualified fee fixed (legacy)
    Example: "0.20"

  - `default_capabilities.options.cash_discount` (object, required)
    Cash discount payment capabilities

  - `default_capabilities.options.cash_discount.advantage_rate` (string, required)
    TalusPay Advantage rate percentage
    Enum: "4.00", "3.99", "3.75", "3.50", "3.25", "3.00"

  - `default_capabilities.options.ach` (object, required)
    ACH payment capabilities

  - `default_capabilities.options.ach.txn_fee_fixed` (string, required)
    ACH transaction fixed fee
    Example: "0.25"

  - `default_capabilities.options.ach.txn_fee_percent` (string, required)
    ACH transaction percentage fee
    Example: "0.75"

  - `default_capabilities.options.ach.return_fee_fixed` (string, required)
    ACH return fixed fee
    Example: "5.00"

  - `default_capabilities.options.ach.chargeback_fee_fixed` (string, required)
    ACH chargeback fixed fee
    Example: "10.00"

  - `default_capabilities.options.ach.txn_premium_fee_fixed` (string, required)
    ACH transaction premium fixed fee
    Example: "0.30"

  - `default_capabilities.options.ach.monthly_fee` (string, required)
    ACH monthly fee
    Example: "25.00"

  - `default_capabilities.options.ach.daily_batch_fee` (string, required)
    ACH daily batch fee
    Example: "1.00"

  - `default_capabilities.options.ach.return_reversal_fee` (string, required)
    ACH return reversal fee
    Example: "7.50"

  - `default_capabilities.options.ach.gross_volume_discount_rate` (string, required)
    ACH gross volume discount rate
    Example: "2.50"

  - `default_capabilities.options.ach.premium_discount_rate` (string, required)
    ACH premium discount rate
    Example: "3.00"

  - `payment_keys` (object, required)
    Merchant payment keys

  - `device` (object)
    Merchant device information

  - `device.id` (string, required)
    Device ID
    Example: "dev_2x4y6z8a0b1c2d3e4f5g6h7j8k"

  - `device.imei` (string, required)
    Device IMEI number
    Example: "357111112222333"

  - `device.imei_status` (string, required)
    Device IMEI status
    Enum: "ACTIVE", "BLOCKED", "UNKNOWN"

  - `device.created_at` (string, required)
    Device creation timestamp
    Example: "2024-01-15T10:30:00.000Z"

  - `device.updated_at` (string, required)
    Device last update timestamp
    Example: "2024-01-15T10:30:00.000Z"