# Update merchant

Endpoint: PATCH /v1/merchants/{merchant_id}
Version: v1
Security: account-secret

## Path parameters:

  - `merchant_id` (string, required)

## Request fields (application/json):

  - `legal_business_name` (string, required)

  - `legal_phone` (string, required)

  - `business_phone` (string)

  - `business_type` (string, required)

  - `bank_account` (object, required)

  - `bank_account.bank_name` (string, required)

  - `bank_account.routing_number` (string, required)

  - `bank_account.account_holder_name` (string, required)

  - `bank_account.account_number` (string, required)

  - `bank_account.account_number_confirm` (string, required)

  - `tin` (string, required)

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

  - `doing_business_as` (string)

  - `business_established_date` (string, required)

  - `legal_business_address` (object, required)

  - `legal_business_address.address` (string, required)

  - `legal_business_address.city` (string, required)

  - `legal_business_address.state` (string, required)

  - `legal_business_address.zip` (string, required)

  - `dba_address` (object)

  - `owner_one` (object, required)

  - `owner_one.first_name` (string, required)

  - `owner_one.last_name` (string, required)

  - `owner_one.middle_name` (string)

  - `owner_one.job_title` (string, required)

  - `owner_one.ownership_percentage` (string, required)

  - `owner_one.email` (string, required)

  - `owner_one.date_of_birth` (string, required)

  - `owner_one.home_address` (object, required)

  - `owner_one.ssn` (string, required)

  - `owner_two` (object)

  - `owner_three` (object)

  - `owner_four` (object)

  - `main_product` (object, required)

  - `main_product.description` (string, required)

  - `main_product.category` (string, required)

  - `main_product.subcategory` (string, required)

  - `main_product.website` (string, required)

  - `main_contact_person` (object, required)

  - `main_contact_person.name` (string, required)

  - `current_sales` (object, required)

  - `current_sales.average_monthly_in_credit_card` (string, required)

  - `current_sales.average_ticket_value` (string, required)

  - `current_sales.highest_amount_to_date` (string, required)

  - `current_sales.sales_percentage` (object, required)

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

  - `current_sales.sales_percentage.moto_percentage` (string, required)

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

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

  - `current_sales.average_amex_monthly_sales` (string, required)

  - `current_sales.average_amex_ticket_value` (string, required)

  - `bank_account_results` (string)

  - `capabilities` (object)
    Capabilities settings

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

  - `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"}}

  - `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"}

  - `capabilities.options.pass_through_ic` (object)

  - `capabilities.options.flat_rate` (object)

  - `capabilities.options.tiered` (object)

  - `capabilities.options.cash_discount` (object)

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

## 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)

  - `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.last_name` (string, required)

  - `merchant.owner_one.middle_name` (string)

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

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

  - `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)

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

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

  - `merchant.main_contact_person` (object, required)

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

  - `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

  - `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"}

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

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

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

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

  - `default_capabilities` (object, required)
    Account 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_debit_rate_percent` (string, required)
    Visa/Mastercard debit rate percent

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

  - `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.enabled` (boolean, required)
    Is cash discount enabled
    Example: true

  - `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"