Overview

This endpoint allows you to upsert merchant registration data during the onboarding process, providing comprehensive support for merchant verification, compliance, and self-registration workflows.

Registration Data

Collect principal signer, business, and beneficial owner information

Auto-Verification

Automatically verify merchant information and identify required documents

Federal Compliance

Meet federal requirements for beneficial ownership disclosure

Key Features

Registration Information

Data provided at the root of the request body (e.g., first_name, business_name) pertains to the Principal Signer/Control Owner or the business itself.

Additional Representatives/Beneficial Owners

If there are Additional Representatives or Beneficial Owners, include their information in the meta.representatives array.
Each representative should be provided as an object containing their details.

Electronic Signature

This field should contain the HTML content of the terms and conditions.

Implementation Steps:

Retrieve the terms and conditions using the Retrieve Terms and Conditions endpoint
Include this content to capture the merchant's agreement to the terms during the enrollment process

Auto-Verification

Determines whether to run automatic verifications on the registration information. Verifications help confirm the accuracy of the merchant's information and identify any additional documents required.

Types of Verifications

Person Identification and SSN Verification:

Run on the principal and any beneficial owners
Validates personal information against external databases

Business Identification and Banking Verification:

Run on the business information
Ensures that the business is legitimate and that banking details are correct

Note: If a verification fails, the relevant registration documents will be enabled.

Federal Compliance

As of May 11, 2018, you must provide information on Control Owners and Beneficial Owners (individuals owning 25% or more of the entity).

Requirements

Provide information on any additional representatives if any individuals directly or indirectly own 25% or more of the entity
Ensure that all necessary personal and ownership details are included for compliance

Self-Registration Field Permissions

Control the visibility and editability of fields during the self-registration process, particularly when using Stax's hosted Signup Pages.

Automatic Field Hiding

Set hide_prefilled_fields: true in your payload to automatically hide any fields that are prefilled via the API. This streamlines the registration process by only displaying fields that require the merchant's input.

Manual Field Control

Use the field_permissions object within the registration parameter to manually set permissions for specific fields.

Field Permission Options

null: Field will be hidden
read: Field will be read-only
write: Field will be writable (default behavior)

Behavior Notes:

If all fields in a given section are hidden, the entire section or page will be hidden from the front-end user interface
If all fields for a given page have been prefilled and hidden, the page will be removed from the sidebar tracker in the self-registration application
Hidden fields with values passed in will not be visible on the review step

Important Considerations

Data Accuracy

Ensure all provided information is accurate to prevent delays in the underwriting process
Inaccurate or incomplete data may lead to failed auto-verifications and additional document requirements

Compliance Requirements

Be thorough in collecting information on all required representatives to meet federal regulations
Missing information on beneficial owners can result in application rejections