Background Verification

Concept: Merchant On-boarding Process
Verification is the process of running background check on a legal entity and its principal owner for the purpose of merchant account underwriting.

The process deals with four sets of fields:

  • Initial (ISP) - fields required when initial verification request is sent for a Individual Sole Proprietorship
  • Initial (non-ISP) - fields required when initial verification request is sent for any type of legal entity other than Individual Sole Proprietorship
  • Update (ISP) - fields that can be updated when subsequent verification requests are made (if initial was not successful) for Individual Sole Proprietorship
  • Update (ISP) - fields that can be updated when subsequent verification requests are made (if initial was not successful) for any type of legal entity other than Individual Sole Proprietorship

Please note that for Individual Sole Proprietorship the Social Secure Number of the principal owner must be supplied as socialSecurity field (in primary-business-owner) and NOT assigned to any of the Tax ID fields (in business-info).

In addition to required fields for the Initial request, it is highly recommended to include contact phones for principals and businesses, as well as businessName (in business-info) if DBA is used.

Fields:


Name Initial (ISP) Initial (non-ISP) Update (ISP) Update (non-ISP)
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  [version]/merchants/[merchant-code]/business-info  view legalName federalTaxId ownershipStructureType estimatedTransactionVolume estimationPeriodType  [version]/merchants/[merchant-code]/contact-info  view street1 street2 city state zipCode phone countryCode
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  [version]/merchants/[merchant-code]/business-info/primary-owner  view firstName lastName socialSecurity street1 city state zipCode countryCode

Actions:


URL Method Action
 [version]/merchants/[merchant-code]  view
[version]/merchants/[merchant-code] GET ~verify view
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