Sample Payload

This payload exercises most fields, including fees for multiple tenders.

{
  "signer": {
    "email": "[email protected]",
    "name": "Alex Rivera",
    "position": "Managing Member"
  },
  "merchantData": {
    "merchantName": "Nimbus Auto Works LLC",
    "partnerId": "prt_9f2a7c1d8b",
    "partnerExternalId": "MID-4578123",
    "registeredName": "Nimbus Auto Works LLC",
    "dbaName": "Nimbus Auto",
    "proofOfBusinessType": "businessLicense",
    "registrationDate": "2025-08-25T00:00:00Z",
    "legalEntityType": "llc",
    "otherLegalEntity": "",
    "federalTaxIdType": "ein",
    "federalTaxId": "91-2748391",
    "naicsCode": "441110",
    "merchantCategoryCode": "7538",
    "additionalMerchantCategoryCode": "7399",
    "businessDescription": "Automotive repair and parts",
    "isSeasonal": false,
    "operationalMonths": [],
    "grossAnnualRevenue": 4800000,
    "highestMonthlyVolume": 550000,
    "averageTicketSize": 325,
    "maxTicketSize": 15000,
    "registeredLegalAddress": {
      "address1": "4200 Harbor View Blvd",
      "address2": "",
      "city": "San Diego",
      "region": "CA",
      "country": "US",
      "postalCode": "92101"
    },
    "proofOfLegalAddressType": "utilityBill",
    "sameAsRegisteredAddress": true,
    "businessMailingAddress": {
      "address1": "PO Box 987",
      "address2": "",
      "city": "San Diego",
      "region": "CA",
      "country": "US",
      "postalCode": "92112"
    },
    "proofOfBusinessMailingAddressType": "utilityBill",
    "mainPointOfContact": {
      "lastName": "Rivera",
      "firstName": "Alex",
      "email": "[email protected]",
      "phoneNumber": "+16195550123"
    },
    "stakeholders": [
      {
        "lastName": "Rivera",
        "firstName": "Alex",
        "middleName": "",
        "suffix": "",
        "dateOfBirth": "1984-06-12",
        "citizenship": "US",
        "ownershipPercentage": 80,
        "ownershipType": "direct",
        "idType": "passport",
        "idNumber": "X12345678",
        "countryOfIssuance": "US",
        "taxIdType": "ssn",
        "taxIdNumber": "000-12-3456",
        "proofOfIdentityType": "passport",
        "proofOfIdentityDocument": "",
        "proofOfAddressType": "bankStatement",
        "proofOfAddressDocument": "",
        "address": {
          "address1": "4200 Harbor View Blvd",
          "address2": "",
          "city": "San Diego",
          "region": "CA",
          "country": "US",
          "postalCode": "92101"
        },
        "email": "[email protected]",
        "phoneNumber": "+16195550123",
        "isAnAuthorizedSigner": true,
        "jobTitle": "Managing Member"
      },
      {
        "lastName": "Kim",
        "firstName": "Jordan",
        "middleName": "",
        "suffix": "",
        "dateOfBirth": "1990-11-03",
        "citizenship": "US",
        "ownershipPercentage": 20,
        "ownershipType": "direct",
        "idType": "driverLicense",
        "idNumber": "K12345678",
        "countryOfIssuance": "US",
        "taxIdType": "ssn",
        "taxIdNumber": "999-88-7777",
        "proofOfIdentityType": "driverLicense",
        "proofOfIdentityDocument": "",
        "proofOfAddressType": "utilityBill",
        "proofOfAddressDocument": "",
        "address": {
          "address1": "1050 Sunrise Ave",
          "address2": "",
          "city": "Chula Vista",
          "region": "CA",
          "country": "US",
          "postalCode": "91910"
        },
        "email": "[email protected]",
        "phoneNumber": "+16195550124",
        "isAnAuthorizedSigner": false,
        "jobTitle": "Member"
      }
    ],
    "bankName": "Pacific National Bank",
    "routingNumber": "011000015",
    "accountNumber": "189002736451",
    "accountType": "checking",
    "bankAddress": {
      "address1": "1 Finance Way",
      "address2": "",
      "city": "New York",
      "region": "NY",
      "country": "US",
      "postalCode": "10005"
    },
    "proofOfBankAccountType": "colorizedVoidCheck",
    "achSettlementFixedFee": {
      "sellRate": 0.55,
      "isBilledByPartner": true
    },
    "wireSettlementFixedFee": {
      "sellRate": 18.00,
      "isBilledByPartner": true
    },
    "settlementReturnFixedFee": {
      "sellRate": 20.00,
      "isBilledByPartner": false
    },
    "tenderFees": {
      "cryptoFees": {
        "transactionRate": { "sellRate": 1.25, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.10, "isBilledByPartner": true }
      },
      "inStorePayPalFees": {
        "transactionRate": { "sellRate": 2.80, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.25, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.30, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 20.00, "isBilledByPartner": false }
      },
      "onlinePayPalFees": {
        "transactionRate": { "sellRate": 2.95, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.30, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.30, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 20.00, "isBilledByPartner": false }
      },
      "inStoreVenmoFees": {
        "transactionRate": { "sellRate": 2.60, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.20, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.25, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 20.00, "isBilledByPartner": false }
      },
      "onlineVenmoFees": {
        "transactionRate": { "sellRate": 2.75, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.25, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.25, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 20.00, "isBilledByPartner": false }
      },
      "inStoreAlipayFees": {
        "transactionRate": { "sellRate": 2.10, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.18, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.20, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 18.00, "isBilledByPartner": false }
      },
      "onlineAlipayFees": {
        "transactionRate": { "sellRate": 2.20, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.20, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.20, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 18.00, "isBilledByPartner": false }
      },
      "inStoreWeChatPayFees": {
        "transactionRate": { "sellRate": 2.05, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.17, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.20, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 18.00, "isBilledByPartner": false }
      },
      "onlineWeChatPayFees": {
        "transactionRate": { "sellRate": 2.15, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.19, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.20, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 18.00, "isBilledByPartner": false }
      },
      "inStoreKlarnaFees": {
        "transactionRate": { "sellRate": 4.95, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.35, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.40, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 22.00, "isBilledByPartner": false }
      },
      "onlineKlarnaFees": {
        "transactionRate": { "sellRate": 5.10, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.40, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.40, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 22.00, "isBilledByPartner": false }
      },
      "inStoreCashAppFees": {
        "transactionRate": { "sellRate": 2.40, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.22, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.25, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 20.00, "isBilledByPartner": false }
      },
      "onlineCashAppFees": {
        "transactionRate": { "sellRate": 2.55, "isBilledByPartner": true },
        "perItemFee":     { "sellRate": 0.24, "isBilledByPartner": true },
        "refundFee":      { "sellRate": 0.25, "isBilledByPartner": false },
        "chargebackFee":  { "sellRate": 20.00, "isBilledByPartner": false }
      }
    }
  }
}

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