# Sample Payload

These examples show the current request shapes for both onboarding submission patterns.

### Short application sample

The short application endpoint is:

```http
POST /merchant-onboarding/applications-short
```

This request starts onboarding with merchant, signer, fee, and crypto environment details.

{% code expandable="true" %}

```json
{
  "merchantName": "Northwind Coffee Roasters",
  "partnerId": "partner_123",
  "partnerMid": "northwind-2048",
  "signerFirstName": "Morgan",
  "signerLastName": "Reed",
  "signerEmail": "morgan.reed@example.com",
  "feeInformation": {
    "achSettlementFixedFee": {
      "sellRate": 1.5,
      "isBilledByPartner": false
    },
    "settlementReturnFixedFee": {
      "sellRate": 15,
      "isBilledByPartner": false
    },
    "monthlyMaintenanceFee": {
      "sellRate": 0,
      "isBilledByPartner": false
    }
  },
  "cryptoEnvironment": "sandbox"
}
```

{% endcode %}

### Full application sample

The full application endpoint is:

```http
POST /merchant-onboarding/applications
```

In the full application flow, merchant details are sent inside `merchantData`. The application signer is identified inside `merchantData.stakeholders` by setting `isApplicationSigner` to `true`.

{% code expandable="true" %}

```json
{
  "merchantData": {
    "merchantName": "Northwind Coffee Roasters",
    "partnerId": "partner_123",
    "partnerExternalId": "ext-merchant-2048",
    "registeredName": "Northwind Coffee Roasters LLC",
    "dbaName": "Northwind Coffee Roasters",
    "federalTaxIdType": "ein",
    "federalTaxId": "123456789",
    "naicsCode": "722515",
    "merchantCategoryCode": "5499",
    "businessDescription": "Retail coffee roaster and cafe",
    "proofOfBusinessType": "businessLicense",
    "registrationDate": "2021-04-12T00:00:00Z",
    "legalEntityType": "llc",
    "operationalMonths": null,
    "grossAnnualRevenue": 1250000,
    "highestMonthlyVolume": 160000,
    "averageTicketSize": 32,
    "maxTicketSize": 500,
    "registeredLegalAddress": {
      "address1": "123 Harbor Street",
      "city": "Boston",
      "region": "MA",
      "country": "US",
      "postalCode": "02110"
    },
    "proofOfAddressType": "utilityBill",
    "businessMailingAddress": {
      "address1": "123 Harbor Street",
      "city": "Boston",
      "region": "MA",
      "country": "US",
      "postalCode": "02110"
    },
    "isLegalAddress": true,
    "isOperatingAddress": true,
    "isVirtualAddress": false,
    "locationBusinessType": "physical",
    "locationName": "Northwind Coffee Roasters",
    "businessWebsite": "https://northwind.example.com",
    "businessEmail": "ops@northwind.example.com",
    "businessPhone": "+15085550100",
    "mainPointOfContact": {
      "firstName": "Morgan",
      "lastName": "Reed",
      "email": "morgan.reed@example.com",
      "phoneNumber": "+15085550101"
    },
    "hasNoOwners": false,
    "stakeholders": [
      {
        "firstName": "Morgan",
        "lastName": "Reed",
        "dateOfBirth": "1987-06-15T00:00:00Z",
        "citizenship": "US",
        "ownershipPercentage": 100,
        "ownershipType": "direct",
        "idType": "passport",
        "idNumber": "123456789",
        "countryOfIssuance": "US",
        "taxIdType": "ssn",
        "taxIdNumber": "123456789",
        "proofOfIdentityType": "passport",
        "proofOfAddressType": "utilityBill",
        "address": {
          "address1": "123 Harbor Street",
          "city": "Boston",
          "region": "MA",
          "country": "US",
          "postalCode": "02110"
        },
        "email": "morgan.reed@example.com",
        "phoneNumber": "+15085550101",
        "jobTitle": "Owner",
        "isApplicationSigner": true
      }
    ],
    "bankName": "First Harbor Bank",
    "routingNumber": "011000015",
    "accountNumber": "1234567890",
    "bankAddress": {
      "address1": "10 Bank Plaza",
      "city": "Boston",
      "region": "MA",
      "country": "US",
      "postalCode": "02111"
    },
    "accountType": "checking",
    "proofOfBankAccountType": "bankLetter",
    "bankDepositMethod": "ach",
    "feeInformation": {
      "achSettlementFixedFee": {
        "sellRate": 1.5,
        "isBilledByPartner": false
      },
      "settlementReturnFixedFee": {
        "sellRate": 15,
        "isBilledByPartner": false
      },
      "monthlyMaintenanceFee": {
        "sellRate": 0,
        "isBilledByPartner": false
      }
    },
    "cryptoEnvironment": "sandbox"
  }
}
```

{% endcode %}

### Fee information reference

This is the current `feeInformation` structure used by onboarding requests.

{% code expandable="true" %}

```json
{
  "feeInformation": {
    "achSettlementFixedFee": {
      "sellRate": 1.5,
      "isBilledByPartner": false
    },
    "settlementReturnFixedFee": {
      "sellRate": 15,
      "isBilledByPartner": false
    },
    "monthlyMaintenanceFee": {
      "sellRate": 0,
      "isBilledByPartner": false
    },
    "bitcoinFee": {
      "transactionRate": {
        "sellRate": 2.5,
        "isBilledByPartner": false
      },
      "perItemFee": {
        "sellRate": 0.25,
        "isBilledByPartner": false
      }
    },
    "stablecoinFee": {
      "transactionRate": {
        "sellRate": 1.5,
        "isBilledByPartner": false
      },
      "perItemFee": {
        "sellRate": 0.15,
        "isBilledByPartner": false
      }
    },
    "digitalWalletsFees": [
      {
        "tenderType": "paypal",
        "transactionRate": {
          "sellRate": 3.49,
          "isBilledByPartner": false
        },
        "perItemFee": {
          "sellRate": 0.49,
          "isBilledByPartner": false
        },
        "refundFee": {
          "sellRate": 0,
          "isBilledByPartner": false
        },
        "chargebackFee": {
          "sellRate": 0,
          "isBilledByPartner": false
        }
      },
      {
        "tenderType": "venmo",
        "transactionRate": {
          "sellRate": 3.49,
          "isBilledByPartner": false
        },
        "perItemFee": {
          "sellRate": 0.49,
          "isBilledByPartner": false
        },
        "refundFee": {
          "sellRate": 0,
          "isBilledByPartner": false
        },
        "chargebackFee": {
          "sellRate": 0,
          "isBilledByPartner": false
        }
      },
      {
        "tenderType": "klarna",
        "transactionRate": {
          "sellRate": 5.79,
          "isBilledByPartner": false
        },
        "perItemFee": {
          "sellRate": 0.45,
          "isBilledByPartner": false
        },
        "refundFee": {
          "sellRate": 0,
          "isBilledByPartner": false
        },
        "chargebackFee": {
          "sellRate": 0,
          "isBilledByPartner": false
        }
      },
      {
        "tenderType": "cashApp",
        "transactionRate": {
          "sellRate": 2.9,
          "isBilledByPartner": false
        },
        "perItemFee": {
          "sellRate": 0.3,
          "isBilledByPartner": false
        },
        "refundFee": {
          "sellRate": 0,
          "isBilledByPartner": false
        },
        "chargebackFee": {
          "sellRate": 0,
          "isBilledByPartner": false
        }
      }
    ]
  }
}
```

{% endcode %}

### Example response

A successful onboarding submission returns the application and envelope identifiers along with the current status.

```json
{
  "applicationId": "app-123exampleid",
  "envelopeId": "env-1111-2222-3333-4444",
  "status": "sent"
}
```

### Related pages

* [Submit Application](https://developers.bead.xyz/onboarding/submit-application)
* [Get Status](https://developers.bead.xyz/onboarding/get-status)
* [Webhooks for Application Events](https://developers.bead.xyz/onboarding/webhooks-for-application-events)
* [Test the Full Onboarding Workflow in Sandbox](https://developers.bead.xyz/onboarding/test-the-full-onboarding-workflow-in-sandbox)