--- title: "Create an Identity" method: POST path: "/identities" tags: ["Identities"] --- # Create an Identity `POST /identities` Create an `Identity` for your Buyer, Recipient, or Seller, using `identity_roles` and `type` to indicate the type of Identity you're creating. Related Guides: [Getting Started](/guides/getting-started/), [Onboarding](/guides/platform-payments/onboarding-sellers/) ## Headers - `Finix-Version` string - `Content-Type` string ## Request body - union - CreateIdentitySellerUSA - `additional_underwriting_data` object, required — Additional underwriting data about the user. - `annual_ach_volume` integer, required — The approximate annual ACH sales expected to be processed (in cents) by this merchant (max 10 characters). - `average_ach_transfer_amount` integer, required — The approximate average ACH sale amount (in cents) for this merchant. - `average_card_transfer_amount` integer, required — The average credit card sale amount (in cents) for this merchant. - `business_description` string, required — Description of this merchant's business (max 200 characters). - `card_volume_distribution` object, nullable, required — The distribution of the merchant's credit card volume The sum of `card_volume_distribution` must be 100. - `card_present_percentage` integer — The percentage of the merchant's volume that's card present (between 0 and 100). - `ecommerce_percentage` integer — The percentage of the merchant's business that is eCommerce (between 0 and 100). - `mail_order_telephone_order_percentage` integer — The percentage of the merchant's business that is a mail or telephone order (between 0 and 100). - `credit_check_allowed` boolean — Sets if this merchant has consented and accepted to a credit check. - `credit_check_ip_address` string — The IP address of the merchant when they consented to a credit check (e.g., 42.1.1.112 ). - `credit_check_timestamp` string — A timestamp of when this merchant consented to a credit check (e.g., 2021-04-28T16:42:55Z). - `credit_check_user_agent` string — The details of the browser that was used when this merchant consented to a credit check (e.g., Mozilla 5.0 (Macintosh; Intel Mac OS X 10 _14_6)). - `merchant_agreement_accepted` boolean, required — Sets whether this merchant has accepted the terms and conditions of the merchant agreement. Required. - `merchant_agreement_ip_address` string, required — IP address of the merchant when this merchant accepted the merchant agreement (e.g., 42.1.1.113). Required. - `merchant_agreement_timestamp` string, required — Timestamp of when the merchant accepted Finix's Terms of Service (e.g., 2021-04-28T16:42:55Z). Required. - `merchant_agreement_user_agent` string, required — The details of the browser that was used when this merchant accepted Finix's Terms of Service (e.g., Mozilla 5.0 (Macintosh; Intel Mac OS X 10 _14_6)). Required. - `refund_policy` 'MERCHANDISE_EXCHANGE_ONLY' | 'NO_REFUNDS' | 'OTHER' | 'WITHIN_30_DAYS', required — Include the value that best applies to the merchant's refund policy. - `volume_distribution_by_business_type` object, nullable, required — Merchant's distribution of credit card volume by business type. Sum of `volume_distribution_by_business_type` must be 100. - `business_to_business_volume_percentage` integer — The percentage of the merchant's volume that's business to business (between 0 and 100). - `business_to_consumer_volume_percentage` integer — The percentage of the merchant's volume that's business to consumer (between 0 and 100). - `consumer_to_consumer_volume_percentage` integer — Merchant's percentage of volume that is consumer to consumer (between 0 and 100). - `other_volume_percentage` integer — The percentage of the merchant's volume that isn't represented by the previous fields (between 0 and 100). - `person_to_person_volume_percentage` integer — The percentage the merchant's volume that's person to person (between 0 and 100). - `entity` object - `ach_max_transaction_amount` integer — The maximum amount (in cents) that can be processed for a single ACH transaction (max 12 characters). - `amex_mid` integer — Assigned amexMid value. If a value is passed, it must be 10 or 11 digits. - `annual_card_volume` integer — The annual credit card sales (in cents) expected to be processed by this merchant (max 19 characters). - `business_address` object — The primary address for the legal entity. - `city` string — City (max 20 characters). - `country` string — 3-Letter Country code (e.g. USA). - `line1` string — First line of the address (max 35 characters). - `line2` string — Second line of the address (max 35 characters). - `postal_code` string — Zip code (max 7 characters). - `region` string — 2-letter state code. - `business_name` string — The merchant's legal business name (max 120 characters). - `business_phone` string — Customer service phone number where the merchant can be reached (max 10 characters). - `business_tax_id` string — Nine digit Tax Identification Number (TIN), Employer Identification Number (EIN). If the `business_type` is **INDIVIDUAL\_SOLE\_PROPRIETORSHIP** and they do not have an EIN, use the sole proprietor's Social Security Number (SSN). - `business_type` 'ASSOCIATION_ESTATE_TRUST' | 'CORPORATION' | 'GENERAL_PARTNERSHIP' | 'GOVERNMENT_AGENCY' | 'INDIVIDUAL_SOLE_PROPRIETORSHIP' | 'LIMITED_LIABILITY_COMPANY' | 'LIMITED_PARTNERSHIP' | 'PARTNERSHIP' | 'TAX_EXEMPT_ORGANIZATION' — Include the value that best applies to the merchant. - `default_statement_descriptor` string, nullable — The description of the `Merchant` that appears on the buyer's bank or card statement. - `discover_mid` integer — Assigned discoverMid value. - `dob` object — The control owner's date of birth. - `day` integer — Day of birth (between 1 and 31). - `month` integer — Month of birth (between 1 and 12). - `year` integer — Year of birth (4-digit). Year must be greater than 1900. - `doing_business_as` string — Alternate names of the business. If there are no other names, pass the same value used for `business_name` (max 60 characters). - `email` string — The email address of the principal control owner where they can be reached (max 100 characters). - `first_name` string — The legal first name of the merchant's control owner (max 20 characters). - `has_accepted_credit_cards_previously` boolean — Defaults to **false** if not passed. - `incorporation_date` object — The date the company was founded and registered. - `day` integer — Day business was incorporated (between 1 and 31). - `month` integer — Month business was incorporated (between 1 and 12). - `year` integer — Year business was incorporated (4-digit). - `last_name` string — The legal last name of the merchant's control owner (max 20 characters). - `max_transaction_amount` integer — The maximum amount (in cents) that can be charged for a single transaction (max 12 characters). - `mcc` string — The Merchant Category Code ([MCC](http://www.dm.usda.gov/procurement/card/card\_x/mcc.pdf)) that this merchant will be classified under. For a list of approved MCCs, see [Approved Merchant Category Codes.](/guides/managing-operations/security-compliance/approved-merchant-category-codes) - `ownership_type` 'PRIVATE' | 'PUBLIC' — Values can be either: - `personal_address` Address - `line1` string, nullable, required — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable, required — City (max 20 characters). - `region` string, nullable, required — 2-letter State code. - `postal_code` string, nullable, required — Zip or Postal code (max 7 characters). - `country` 'ABW' | 'AFG' | 'AGO' | 'AIA' | 'ALA' | 'ALB' | 'AND' | 'ARE' | 'ARG' | 'ARM' | 'ASM' | 'ATA' | 'ATF' | 'ATG' | 'AUS' | 'AUT' | 'AZE' | 'BDI' | 'BEL' | 'BEN' | 'BES' | 'BFA' | 'BGD' | 'BGR' | 'BHR' | 'BHS' | 'BIH' | 'BLM' | 'BLR' | 'BLZ' | 'BMU' | 'BOL' | 'BRA' | 'BRB' | 'BRN' | 'BTN' | 'BVT' | 'BWA' | 'CAF' | 'CAN' | 'CCK' | 'CHE' | 'CHL' | 'CHN' | 'CIV' | 'CMR' | 'COD' | 'COG' | 'COK' | 'COL' | 'COM' | 'CPV' | 'CRI' | 'CUB' | 'CUW' | 'CXR' | 'CYM' | 'CYP' | 'CZE' | 'DEU' | 'DJI' | 'DMA' | 'DNK' | 'DOM' | 'DZA' | 'ECU' | 'EGY' | 'ERI' | 'ESH' | 'ESP' | 'EST' | 'ETH' | 'FIN' | 'FJI' | 'FLK' | 'FRA' | 'FRO' | 'FSM' | 'GAB' | 'GBR' | 'GEO' | 'GGY' | 'GHA' | 'GIB' | 'GIN' | 'GLP' | 'GMB' | 'GNB' | 'GNQ' | 'GRC' | 'GRD' | 'GRL' | 'GTM' | 'GUF' | 'GUM' | 'GUY' | 'HKG' | 'HMD' | 'HND' | 'HRV' | 'HTI' | 'HUN' | 'IDN' | 'IMN' | 'IND' | 'IOT' | 'IRL' | 'IRN' | 'IRQ' | 'ISL' | 'ISR' | 'ITA' | 'JAM' | 'JEY' | 'JOR' | 'JPN' | 'KAZ' | 'KEN' | 'KGZ' | 'KHM' | 'KIR' | 'KNA' | 'KOR' | 'KWT' | 'LAO' | 'LBN' | 'LBR' | 'LBY' | 'LCA' | 'LIE' | 'LKA' | 'LSO' | 'LTU' | 'LUX' | 'LVA' | 'MAC' | 'MAF' | 'MAR' | 'MCO' | 'MDA' | 'MDG' | 'MDV' | 'MEX' | 'MHL' | 'MKD' | 'MLI' | 'MLT' | 'MMR' | 'MNE' | 'MNG' | 'MNP' | 'MRT' | 'MSR' | 'MTQ' | 'MUS' | 'MWI' | 'MYS' | 'MYT' | 'NAM' | 'NCL' | 'NER' | 'NFK' | 'NGA' | 'NIC' | 'NIU' | 'NLD' | 'NOR' | 'NPL' | 'NRU' | 'NZL' | 'OMN' | 'PAK' | 'PAN' | 'PCN' | 'PER' | 'PHL' | 'PLW' | 'PNG' | 'POL' | 'PRI' | 'PRK' | 'PRT' | 'PRY' | 'PSE' | 'PYF' | 'QAT' | 'REU' | 'ROU' | 'RUS' | 'RWA' | 'SAU' | 'SDN' | 'SEN' | 'SGP' | 'SGS' | 'SHN' | 'SJM' | 'SLB' | 'SLE' | 'SLV' | 'SMR' | 'SOM' | 'SPM' | 'SRB' | 'SSD' | 'STP' | 'SUR' | 'SVK' | 'SVN' | 'SWE' | 'SWZ' | 'SXM' | 'SYC' | 'SYR' | 'TCA' | 'TCD' | 'TGO' | 'THA' | 'TJK' | 'TKL' | 'TKM' | 'TLS' | 'TON' | 'TTO' | 'TUN' | 'TUR' | 'TUV' | 'TWN' | 'TZA' | 'UGA' | 'UKR' | 'UMI' | 'URY' | 'USA' | 'UZB' | 'VAT' | 'VCT' | 'VEN' | 'VGB' | 'VIR' | 'VNM' | 'VUT' | 'WLF' | 'WSM' | 'XKX' | 'YEM' | 'ZAF' | 'ZMB' | 'ZWE', nullable, required - `phone` string — The principal control owner's phone number (max 10 characters). - `principal_percentage_ownership` integer — Percentage of the company owned by the principal control owner (min 0; max 100). - `short_business_name` string — Abbreviated names of the business. If there are no abbreviated name, leave this field blank. - `tax_authority` string — - `tax_id` string — The control owner's Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Required for identity verification. Not included in the response. - `title` string — The corporate title of the control owner (e.g. Chief Executive Officer, CFO, etc. Max 60 characters). - `url` string — The URL of the merchant's public website. - `identity_roles` string[] — The set of roles available to the `Identity`. - `tags` Tags, nullable — Include up to 50 `key: value` pairs to annotate requests with custom metadata. - Maximum character length for individual `keys` is 40. - Maximum character length for individual `values` is 500. (For example, `order_number: 25`, `item_type: produce`, `department: sales`) - `type` 'BUSINESS' — The identity type. - CreateIdentitySellerCAN - `additional_underwriting_data` object, required — Additional underwriting data about the user. - `average_card_transfer_amount` integer, required — The average credit card sale amount (in cents) for this merchant. - `business_description` string, required — Description of this merchant's business (max 200 characters). - `card_volume_distribution` object, required — The distribution of the merchant's credit card volume The sum of `card_volume_distribution` must be 100. - `card_present_percentage` integer — The percentage of the merchant's volume that's card present (between 0 and 100). - `ecommerce_percentage` integer — The percentage of the merchant's business that is eCommerce (between 0 and 100). - `mail_order_telephone_order_percentage` integer — The percentage of the merchant's business that is a mail or telephone order (between 0 and 100). - `credit_check_allowed` boolean — Sets if this merchant has consented and accepted to a credit check. - `credit_check_ip_address` string — The IP address of the merchant when they consented to a credit check (e.g., 42.1.1.112 ). - `credit_check_timestamp` string — A timestamp of when this merchant consented to a credit check (e.g., 2021-04-28T16:42:55Z). - `credit_check_user_agent` string — The details of the browser that was used when this merchant consented to a credit check (e.g., Mozilla 5.0 (Macintosh; Intel Mac OS X 10 _14_6)). - `merchant_agreement_accepted` boolean, required — Sets whether this merchant has accepted the terms and conditions of the merchant agreement. Required. - `merchant_agreement_ip_address` string, required — IP address of the merchant when this merchant accepted the merchant agreement (e.g., 42.1.1.113). Required. - `merchant_agreement_timestamp` string, required — Timestamp of when the merchant accepted Finix's Terms of Service (e.g., 2021-04-28T16:42:55Z). Required. - `merchant_agreement_user_agent` string, required — The details of the browser that was used when this merchant accepted Finix's Terms of Service (e.g., Mozilla 5.0 (Macintosh; Intel Mac OS X 10 _14_6)). Required. - `refund_policy` 'MERCHANDISE_EXCHANGE_ONLY' | 'NO_REFUNDS' | 'OTHER' | 'WITHIN_30_DAYS', required — Include the value that best applies to the merchant's refund policy. - `volume_distribution_by_business_type` object, required — Merchant's distribution of credit card volume by business type. Sum of `volume_distribution_by_business_type` must be 100. - `business_to_business_volume_percentage` integer — The percentage of the merchant's volume that's business to business (between 0 and 100). - `business_to_consumer_volume_percentage` integer — The percentage of the merchant's volume that's business to consumer (between 0 and 100). - `consumer_to_consumer_volume_percentage` integer — Merchant's percentage of volume that is consumer to consumer (between 0 and 100). - `other_volume_percentage` integer — The percentage of the merchant's volume that isn't represented by the previous fields (between 0 and 100). - `person_to_person_volume_percentage` integer — The percentage the merchant's volume that's person to person (between 0 and 100). - `entity` object - `amex_mid` integer — Assigned amexMid value. If a value is passed, it must be 10 or 11 digits. - `annual_card_volume` integer — The annual credit card sales (in cents) expected to be processed by this merchant (max 19 characters). - `business_address` object — The primary address for the legal entity. - `city` string — City (max 20 characters). - `country` string — 3-Letter Country code (e.g. CAN). - `line1` string — First line of the address (max 35 characters). - `line2` string — Second line of the address (max 35 characters). - `postal_code` string — Postal code (max 7 characters). - `region` string — 2-letter province or territory code. - `business_name` string — The merchant's legal business name (max 120 characters). - `business_phone` string — Customer service phone number where the merchant can be reached (max 10 characters). - `business_tax_id` string — Nine-digit Business Number (BN) issued by the Canada Revenue Agency (CRA) for business tax purposes. If the `business_type` is **INDIVIDUAL\_SOLE\_PROPRIETORSHIP** and they do not have a Business Number, use the sole proprietor's Social Insurance Number (SIN). - `business_type` 'ASSOCIATION_ESTATE_TRUST' | 'CORPORATION' | 'GENERAL_PARTNERSHIP' | 'GOVERNMENT_AGENCY' | 'INDIVIDUAL_SOLE_PROPRIETORSHIP' | 'LIMITED_LIABILITY_COMPANY' | 'LIMITED_PARTNERSHIP' | 'PARTNERSHIP' | 'TAX_EXEMPT_ORGANIZATION' — Include the value that best applies to the merchant. - `default_statement_descriptor` string, nullable — The description of the `Merchant` that appears on the buyer's bank or card statement. - `discover_mid` integer — Assigned discoverMid value. - `dob` object — The control owner's date of birth. - `day` integer — Day of birth (between 1 and 31). - `month` integer — Month of birth (between 1 and 12). - `year` integer — Year of birth (4-digit). Year must be greater than 1900. - `doing_business_as` string — Alternate names of the business. If there are no other names, pass the same value used for `business_name` (max 60 characters). - `email` string — The email address of the principal control owner where they can be reached (max 100 characters). - `first_name` string — The legal first name of the merchant's control owner (max 20 characters). - `has_accepted_credit_cards_previously` boolean — Defaults to **false** if not passed. - `incorporation_date` object — The date the company was founded and registered. - `day` integer — Day business was incorporated (between 1 and 31). - `month` integer — Month business was incorporated (between 1 and 12). - `year` integer — Year business was incorporated (4-digit). - `last_name` string — The legal last name of the merchant's control owner (max 20 characters). - `max_transaction_amount` integer — The maximum amount (in cents) that can be charged for a single transaction (max 12 characters). - `mcc` string — The Merchant Category Code ([MCC](http://www.dm.usda.gov/procurement/card/card\_x/mcc.pdf)) that this merchant will be classified under. For a list of approved MCCs, see [Approved Merchant Category Codes.](/guides/managing-operations/security-compliance/approved-merchant-category-codes) - `ownership_type` 'PRIVATE' | 'PUBLIC' — Values can be either: - `personal_address` Address - `line1` string, nullable, required — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable, required — City (max 20 characters). - `region` string, nullable, required — 2-letter State code. - `postal_code` string, nullable, required — Zip or Postal code (max 7 characters). - `country` 'ABW' | 'AFG' | 'AGO' | 'AIA' | 'ALA' | 'ALB' | 'AND' | 'ARE' | 'ARG' | 'ARM' | 'ASM' | 'ATA' | 'ATF' | 'ATG' | 'AUS' | 'AUT' | 'AZE' | 'BDI' | 'BEL' | 'BEN' | 'BES' | 'BFA' | 'BGD' | 'BGR' | 'BHR' | 'BHS' | 'BIH' | 'BLM' | 'BLR' | 'BLZ' | 'BMU' | 'BOL' | 'BRA' | 'BRB' | 'BRN' | 'BTN' | 'BVT' | 'BWA' | 'CAF' | 'CAN' | 'CCK' | 'CHE' | 'CHL' | 'CHN' | 'CIV' | 'CMR' | 'COD' | 'COG' | 'COK' | 'COL' | 'COM' | 'CPV' | 'CRI' | 'CUB' | 'CUW' | 'CXR' | 'CYM' | 'CYP' | 'CZE' | 'DEU' | 'DJI' | 'DMA' | 'DNK' | 'DOM' | 'DZA' | 'ECU' | 'EGY' | 'ERI' | 'ESH' | 'ESP' | 'EST' | 'ETH' | 'FIN' | 'FJI' | 'FLK' | 'FRA' | 'FRO' | 'FSM' | 'GAB' | 'GBR' | 'GEO' | 'GGY' | 'GHA' | 'GIB' | 'GIN' | 'GLP' | 'GMB' | 'GNB' | 'GNQ' | 'GRC' | 'GRD' | 'GRL' | 'GTM' | 'GUF' | 'GUM' | 'GUY' | 'HKG' | 'HMD' | 'HND' | 'HRV' | 'HTI' | 'HUN' | 'IDN' | 'IMN' | 'IND' | 'IOT' | 'IRL' | 'IRN' | 'IRQ' | 'ISL' | 'ISR' | 'ITA' | 'JAM' | 'JEY' | 'JOR' | 'JPN' | 'KAZ' | 'KEN' | 'KGZ' | 'KHM' | 'KIR' | 'KNA' | 'KOR' | 'KWT' | 'LAO' | 'LBN' | 'LBR' | 'LBY' | 'LCA' | 'LIE' | 'LKA' | 'LSO' | 'LTU' | 'LUX' | 'LVA' | 'MAC' | 'MAF' | 'MAR' | 'MCO' | 'MDA' | 'MDG' | 'MDV' | 'MEX' | 'MHL' | 'MKD' | 'MLI' | 'MLT' | 'MMR' | 'MNE' | 'MNG' | 'MNP' | 'MRT' | 'MSR' | 'MTQ' | 'MUS' | 'MWI' | 'MYS' | 'MYT' | 'NAM' | 'NCL' | 'NER' | 'NFK' | 'NGA' | 'NIC' | 'NIU' | 'NLD' | 'NOR' | 'NPL' | 'NRU' | 'NZL' | 'OMN' | 'PAK' | 'PAN' | 'PCN' | 'PER' | 'PHL' | 'PLW' | 'PNG' | 'POL' | 'PRI' | 'PRK' | 'PRT' | 'PRY' | 'PSE' | 'PYF' | 'QAT' | 'REU' | 'ROU' | 'RUS' | 'RWA' | 'SAU' | 'SDN' | 'SEN' | 'SGP' | 'SGS' | 'SHN' | 'SJM' | 'SLB' | 'SLE' | 'SLV' | 'SMR' | 'SOM' | 'SPM' | 'SRB' | 'SSD' | 'STP' | 'SUR' | 'SVK' | 'SVN' | 'SWE' | 'SWZ' | 'SXM' | 'SYC' | 'SYR' | 'TCA' | 'TCD' | 'TGO' | 'THA' | 'TJK' | 'TKL' | 'TKM' | 'TLS' | 'TON' | 'TTO' | 'TUN' | 'TUR' | 'TUV' | 'TWN' | 'TZA' | 'UGA' | 'UKR' | 'UMI' | 'URY' | 'USA' | 'UZB' | 'VAT' | 'VCT' | 'VEN' | 'VGB' | 'VIR' | 'VNM' | 'VUT' | 'WLF' | 'WSM' | 'XKX' | 'YEM' | 'ZAF' | 'ZMB' | 'ZWE', nullable, required - `phone` string — The principal control owner's phone number (max 10 characters). - `principal_percentage_ownership` integer — Percentage of the company owned by the principal control owner (min 0; max 100). - `short_business_name` string — Abbreviated names of the business. If there are no abbreviated name, leave this field blank. - `tax_id` string — The control owner's Social Insurance Number (SIN). Required for identity verification. Not included in the response. - `title` string — The corporate title of the control owner (e.g. Chief Executive Officer, CFO, etc. Max 60 characters). - `url` string — The URL of the merchant's public website. - `identity_roles` string[] — The set of roles available to the `Identity`. - `tags` Tags, nullable — Include up to 50 `key: value` pairs to annotate requests with custom metadata. - Maximum character length for individual `keys` is 40. - Maximum character length for individual `values` is 500. (For example, `order_number: 25`, `item_type: produce`, `department: sales`) - `type` 'BUSINESS' — The identity type. - CreateIdentityRecipientBusiness - `entity` object, required — Identifying information about the recipient business. - `business_address` Address, required - `line1` string, nullable, required — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable, required — City (max 20 characters). - `region` string, nullable, required — 2-letter State code. - `postal_code` string, nullable, required — Zip or Postal code (max 7 characters). - `country` 'ABW' | 'AFG' | 'AGO' | 'AIA' | 'ALA' | 'ALB' | 'AND' | 'ARE' | 'ARG' | 'ARM' | 'ASM' | 'ATA' | 'ATF' | 'ATG' | 'AUS' | 'AUT' | 'AZE' | 'BDI' | 'BEL' | 'BEN' | 'BES' | 'BFA' | 'BGD' | 'BGR' | 'BHR' | 'BHS' | 'BIH' | 'BLM' | 'BLR' | 'BLZ' | 'BMU' | 'BOL' | 'BRA' | 'BRB' | 'BRN' | 'BTN' | 'BVT' | 'BWA' | 'CAF' | 'CAN' | 'CCK' | 'CHE' | 'CHL' | 'CHN' | 'CIV' | 'CMR' | 'COD' | 'COG' | 'COK' | 'COL' | 'COM' | 'CPV' | 'CRI' | 'CUB' | 'CUW' | 'CXR' | 'CYM' | 'CYP' | 'CZE' | 'DEU' | 'DJI' | 'DMA' | 'DNK' | 'DOM' | 'DZA' | 'ECU' | 'EGY' | 'ERI' | 'ESH' | 'ESP' | 'EST' | 'ETH' | 'FIN' | 'FJI' | 'FLK' | 'FRA' | 'FRO' | 'FSM' | 'GAB' | 'GBR' | 'GEO' | 'GGY' | 'GHA' | 'GIB' | 'GIN' | 'GLP' | 'GMB' | 'GNB' | 'GNQ' | 'GRC' | 'GRD' | 'GRL' | 'GTM' | 'GUF' | 'GUM' | 'GUY' | 'HKG' | 'HMD' | 'HND' | 'HRV' | 'HTI' | 'HUN' | 'IDN' | 'IMN' | 'IND' | 'IOT' | 'IRL' | 'IRN' | 'IRQ' | 'ISL' | 'ISR' | 'ITA' | 'JAM' | 'JEY' | 'JOR' | 'JPN' | 'KAZ' | 'KEN' | 'KGZ' | 'KHM' | 'KIR' | 'KNA' | 'KOR' | 'KWT' | 'LAO' | 'LBN' | 'LBR' | 'LBY' | 'LCA' | 'LIE' | 'LKA' | 'LSO' | 'LTU' | 'LUX' | 'LVA' | 'MAC' | 'MAF' | 'MAR' | 'MCO' | 'MDA' | 'MDG' | 'MDV' | 'MEX' | 'MHL' | 'MKD' | 'MLI' | 'MLT' | 'MMR' | 'MNE' | 'MNG' | 'MNP' | 'MRT' | 'MSR' | 'MTQ' | 'MUS' | 'MWI' | 'MYS' | 'MYT' | 'NAM' | 'NCL' | 'NER' | 'NFK' | 'NGA' | 'NIC' | 'NIU' | 'NLD' | 'NOR' | 'NPL' | 'NRU' | 'NZL' | 'OMN' | 'PAK' | 'PAN' | 'PCN' | 'PER' | 'PHL' | 'PLW' | 'PNG' | 'POL' | 'PRI' | 'PRK' | 'PRT' | 'PRY' | 'PSE' | 'PYF' | 'QAT' | 'REU' | 'ROU' | 'RUS' | 'RWA' | 'SAU' | 'SDN' | 'SEN' | 'SGP' | 'SGS' | 'SHN' | 'SJM' | 'SLB' | 'SLE' | 'SLV' | 'SMR' | 'SOM' | 'SPM' | 'SRB' | 'SSD' | 'STP' | 'SUR' | 'SVK' | 'SVN' | 'SWE' | 'SWZ' | 'SXM' | 'SYC' | 'SYR' | 'TCA' | 'TCD' | 'TGO' | 'THA' | 'TJK' | 'TKL' | 'TKM' | 'TLS' | 'TON' | 'TTO' | 'TUN' | 'TUR' | 'TUV' | 'TWN' | 'TZA' | 'UGA' | 'UKR' | 'UMI' | 'URY' | 'USA' | 'UZB' | 'VAT' | 'VCT' | 'VEN' | 'VGB' | 'VIR' | 'VNM' | 'VUT' | 'WLF' | 'WSM' | 'XKX' | 'YEM' | 'ZAF' | 'ZMB' | 'ZWE', nullable, required - `business_name` string, nullable, required — The legal business name (max 120 characters). For an `INDIVIDUAL_SOLE_PROPRIETORSHIP`, pass the owner's legal first name, last name, and middle initial. - `doing_business_as` string, nullable, required — Alternate names of the business. If there are no other names, pass the same value used for `business_name` (max 60 characters). - `first_name` string, nullable, required — The legal first name of the recipient business's control owner (max 20 characters). - `last_name` string, nullable, required — The legal last name of the recipient business's control owner (max 20 characters). - `personal_address` Address, required - `line1` string, nullable, required — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable, required — City (max 20 characters). - `region` string, nullable, required — 2-letter State code. - `postal_code` string, nullable, required — Zip or Postal code (max 7 characters). - `country` 'ABW' | 'AFG' | 'AGO' | 'AIA' | 'ALA' | 'ALB' | 'AND' | 'ARE' | 'ARG' | 'ARM' | 'ASM' | 'ATA' | 'ATF' | 'ATG' | 'AUS' | 'AUT' | 'AZE' | 'BDI' | 'BEL' | 'BEN' | 'BES' | 'BFA' | 'BGD' | 'BGR' | 'BHR' | 'BHS' | 'BIH' | 'BLM' | 'BLR' | 'BLZ' | 'BMU' | 'BOL' | 'BRA' | 'BRB' | 'BRN' | 'BTN' | 'BVT' | 'BWA' | 'CAF' | 'CAN' | 'CCK' | 'CHE' | 'CHL' | 'CHN' | 'CIV' | 'CMR' | 'COD' | 'COG' | 'COK' | 'COL' | 'COM' | 'CPV' | 'CRI' | 'CUB' | 'CUW' | 'CXR' | 'CYM' | 'CYP' | 'CZE' | 'DEU' | 'DJI' | 'DMA' | 'DNK' | 'DOM' | 'DZA' | 'ECU' | 'EGY' | 'ERI' | 'ESH' | 'ESP' | 'EST' | 'ETH' | 'FIN' | 'FJI' | 'FLK' | 'FRA' | 'FRO' | 'FSM' | 'GAB' | 'GBR' | 'GEO' | 'GGY' | 'GHA' | 'GIB' | 'GIN' | 'GLP' | 'GMB' | 'GNB' | 'GNQ' | 'GRC' | 'GRD' | 'GRL' | 'GTM' | 'GUF' | 'GUM' | 'GUY' | 'HKG' | 'HMD' | 'HND' | 'HRV' | 'HTI' | 'HUN' | 'IDN' | 'IMN' | 'IND' | 'IOT' | 'IRL' | 'IRN' | 'IRQ' | 'ISL' | 'ISR' | 'ITA' | 'JAM' | 'JEY' | 'JOR' | 'JPN' | 'KAZ' | 'KEN' | 'KGZ' | 'KHM' | 'KIR' | 'KNA' | 'KOR' | 'KWT' | 'LAO' | 'LBN' | 'LBR' | 'LBY' | 'LCA' | 'LIE' | 'LKA' | 'LSO' | 'LTU' | 'LUX' | 'LVA' | 'MAC' | 'MAF' | 'MAR' | 'MCO' | 'MDA' | 'MDG' | 'MDV' | 'MEX' | 'MHL' | 'MKD' | 'MLI' | 'MLT' | 'MMR' | 'MNE' | 'MNG' | 'MNP' | 'MRT' | 'MSR' | 'MTQ' | 'MUS' | 'MWI' | 'MYS' | 'MYT' | 'NAM' | 'NCL' | 'NER' | 'NFK' | 'NGA' | 'NIC' | 'NIU' | 'NLD' | 'NOR' | 'NPL' | 'NRU' | 'NZL' | 'OMN' | 'PAK' | 'PAN' | 'PCN' | 'PER' | 'PHL' | 'PLW' | 'PNG' | 'POL' | 'PRI' | 'PRK' | 'PRT' | 'PRY' | 'PSE' | 'PYF' | 'QAT' | 'REU' | 'ROU' | 'RUS' | 'RWA' | 'SAU' | 'SDN' | 'SEN' | 'SGP' | 'SGS' | 'SHN' | 'SJM' | 'SLB' | 'SLE' | 'SLV' | 'SMR' | 'SOM' | 'SPM' | 'SRB' | 'SSD' | 'STP' | 'SUR' | 'SVK' | 'SVN' | 'SWE' | 'SWZ' | 'SXM' | 'SYC' | 'SYR' | 'TCA' | 'TCD' | 'TGO' | 'THA' | 'TJK' | 'TKL' | 'TKM' | 'TLS' | 'TON' | 'TTO' | 'TUN' | 'TUR' | 'TUV' | 'TWN' | 'TZA' | 'UGA' | 'UKR' | 'UMI' | 'URY' | 'USA' | 'UZB' | 'VAT' | 'VCT' | 'VEN' | 'VGB' | 'VIR' | 'VNM' | 'VUT' | 'WLF' | 'WSM' | 'XKX' | 'YEM' | 'ZAF' | 'ZMB' | 'ZWE', nullable, required - `identity_roles` string[] — The set of roles available to the `Identity`. - `tags` Tags, nullable — Include up to 50 `key: value` pairs to annotate requests with custom metadata. - Maximum character length for individual `keys` is 40. - Maximum character length for individual `values` is 500. (For example, `order_number: 25`, `item_type: produce`, `department: sales`) - `type` 'BUSINESS' — The identity type. - CreateIdentityRecipientPersonal - `entity` object, required — Identifying information about the recipient. - `email` string — The email address of the buyer where they can be reached (max 100 characters). - `first_name` string, required — The legal first name of the buyer (max 20 characters). - `last_name` string, required — The legal last name of the buyer (max 20 characters). - `personal_address` Address, required - `line1` string, nullable, required — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable, required — City (max 20 characters). - `region` string, nullable, required — 2-letter State code. - `postal_code` string, nullable, required — Zip or Postal code (max 7 characters). - `country` 'ABW' | 'AFG' | 'AGO' | 'AIA' | 'ALA' | 'ALB' | 'AND' | 'ARE' | 'ARG' | 'ARM' | 'ASM' | 'ATA' | 'ATF' | 'ATG' | 'AUS' | 'AUT' | 'AZE' | 'BDI' | 'BEL' | 'BEN' | 'BES' | 'BFA' | 'BGD' | 'BGR' | 'BHR' | 'BHS' | 'BIH' | 'BLM' | 'BLR' | 'BLZ' | 'BMU' | 'BOL' | 'BRA' | 'BRB' | 'BRN' | 'BTN' | 'BVT' | 'BWA' | 'CAF' | 'CAN' | 'CCK' | 'CHE' | 'CHL' | 'CHN' | 'CIV' | 'CMR' | 'COD' | 'COG' | 'COK' | 'COL' | 'COM' | 'CPV' | 'CRI' | 'CUB' | 'CUW' | 'CXR' | 'CYM' | 'CYP' | 'CZE' | 'DEU' | 'DJI' | 'DMA' | 'DNK' | 'DOM' | 'DZA' | 'ECU' | 'EGY' | 'ERI' | 'ESH' | 'ESP' | 'EST' | 'ETH' | 'FIN' | 'FJI' | 'FLK' | 'FRA' | 'FRO' | 'FSM' | 'GAB' | 'GBR' | 'GEO' | 'GGY' | 'GHA' | 'GIB' | 'GIN' | 'GLP' | 'GMB' | 'GNB' | 'GNQ' | 'GRC' | 'GRD' | 'GRL' | 'GTM' | 'GUF' | 'GUM' | 'GUY' | 'HKG' | 'HMD' | 'HND' | 'HRV' | 'HTI' | 'HUN' | 'IDN' | 'IMN' | 'IND' | 'IOT' | 'IRL' | 'IRN' | 'IRQ' | 'ISL' | 'ISR' | 'ITA' | 'JAM' | 'JEY' | 'JOR' | 'JPN' | 'KAZ' | 'KEN' | 'KGZ' | 'KHM' | 'KIR' | 'KNA' | 'KOR' | 'KWT' | 'LAO' | 'LBN' | 'LBR' | 'LBY' | 'LCA' | 'LIE' | 'LKA' | 'LSO' | 'LTU' | 'LUX' | 'LVA' | 'MAC' | 'MAF' | 'MAR' | 'MCO' | 'MDA' | 'MDG' | 'MDV' | 'MEX' | 'MHL' | 'MKD' | 'MLI' | 'MLT' | 'MMR' | 'MNE' | 'MNG' | 'MNP' | 'MRT' | 'MSR' | 'MTQ' | 'MUS' | 'MWI' | 'MYS' | 'MYT' | 'NAM' | 'NCL' | 'NER' | 'NFK' | 'NGA' | 'NIC' | 'NIU' | 'NLD' | 'NOR' | 'NPL' | 'NRU' | 'NZL' | 'OMN' | 'PAK' | 'PAN' | 'PCN' | 'PER' | 'PHL' | 'PLW' | 'PNG' | 'POL' | 'PRI' | 'PRK' | 'PRT' | 'PRY' | 'PSE' | 'PYF' | 'QAT' | 'REU' | 'ROU' | 'RUS' | 'RWA' | 'SAU' | 'SDN' | 'SEN' | 'SGP' | 'SGS' | 'SHN' | 'SJM' | 'SLB' | 'SLE' | 'SLV' | 'SMR' | 'SOM' | 'SPM' | 'SRB' | 'SSD' | 'STP' | 'SUR' | 'SVK' | 'SVN' | 'SWE' | 'SWZ' | 'SXM' | 'SYC' | 'SYR' | 'TCA' | 'TCD' | 'TGO' | 'THA' | 'TJK' | 'TKL' | 'TKM' | 'TLS' | 'TON' | 'TTO' | 'TUN' | 'TUR' | 'TUV' | 'TWN' | 'TZA' | 'UGA' | 'UKR' | 'UMI' | 'URY' | 'USA' | 'UZB' | 'VAT' | 'VCT' | 'VEN' | 'VGB' | 'VIR' | 'VNM' | 'VUT' | 'WLF' | 'WSM' | 'XKX' | 'YEM' | 'ZAF' | 'ZMB' | 'ZWE', nullable, required - `phone` string — Phone number where the buyer can be reached. - `identity_roles` string[] — The set of roles available to the `Identity`. - `tags` Tags, nullable — Include up to 50 `key: value` pairs to annotate requests with custom metadata. - Maximum character length for individual `keys` is 40. - Maximum character length for individual `values` is 500. (For example, `order_number: 25`, `item_type: produce`, `department: sales`) - `type` 'PERSONAL' — The identity type. - CreateIdentityBuyer - `entity` object, required — The underwriting details required to verify an `Identity`. - `email` string — The email address of the buyer where they can be reached (max 100 characters). - `first_name` string — The legal first name of the buyer (max 20 characters). - `last_name` string — The legal last name of the buyer (max 20 characters). - `personal_address` Address - `line1` string, nullable, required — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable, required — City (max 20 characters). - `region` string, nullable, required — 2-letter State code. - `postal_code` string, nullable, required — Zip or Postal code (max 7 characters). - `country` 'ABW' | 'AFG' | 'AGO' | 'AIA' | 'ALA' | 'ALB' | 'AND' | 'ARE' | 'ARG' | 'ARM' | 'ASM' | 'ATA' | 'ATF' | 'ATG' | 'AUS' | 'AUT' | 'AZE' | 'BDI' | 'BEL' | 'BEN' | 'BES' | 'BFA' | 'BGD' | 'BGR' | 'BHR' | 'BHS' | 'BIH' | 'BLM' | 'BLR' | 'BLZ' | 'BMU' | 'BOL' | 'BRA' | 'BRB' | 'BRN' | 'BTN' | 'BVT' | 'BWA' | 'CAF' | 'CAN' | 'CCK' | 'CHE' | 'CHL' | 'CHN' | 'CIV' | 'CMR' | 'COD' | 'COG' | 'COK' | 'COL' | 'COM' | 'CPV' | 'CRI' | 'CUB' | 'CUW' | 'CXR' | 'CYM' | 'CYP' | 'CZE' | 'DEU' | 'DJI' | 'DMA' | 'DNK' | 'DOM' | 'DZA' | 'ECU' | 'EGY' | 'ERI' | 'ESH' | 'ESP' | 'EST' | 'ETH' | 'FIN' | 'FJI' | 'FLK' | 'FRA' | 'FRO' | 'FSM' | 'GAB' | 'GBR' | 'GEO' | 'GGY' | 'GHA' | 'GIB' | 'GIN' | 'GLP' | 'GMB' | 'GNB' | 'GNQ' | 'GRC' | 'GRD' | 'GRL' | 'GTM' | 'GUF' | 'GUM' | 'GUY' | 'HKG' | 'HMD' | 'HND' | 'HRV' | 'HTI' | 'HUN' | 'IDN' | 'IMN' | 'IND' | 'IOT' | 'IRL' | 'IRN' | 'IRQ' | 'ISL' | 'ISR' | 'ITA' | 'JAM' | 'JEY' | 'JOR' | 'JPN' | 'KAZ' | 'KEN' | 'KGZ' | 'KHM' | 'KIR' | 'KNA' | 'KOR' | 'KWT' | 'LAO' | 'LBN' | 'LBR' | 'LBY' | 'LCA' | 'LIE' | 'LKA' | 'LSO' | 'LTU' | 'LUX' | 'LVA' | 'MAC' | 'MAF' | 'MAR' | 'MCO' | 'MDA' | 'MDG' | 'MDV' | 'MEX' | 'MHL' | 'MKD' | 'MLI' | 'MLT' | 'MMR' | 'MNE' | 'MNG' | 'MNP' | 'MRT' | 'MSR' | 'MTQ' | 'MUS' | 'MWI' | 'MYS' | 'MYT' | 'NAM' | 'NCL' | 'NER' | 'NFK' | 'NGA' | 'NIC' | 'NIU' | 'NLD' | 'NOR' | 'NPL' | 'NRU' | 'NZL' | 'OMN' | 'PAK' | 'PAN' | 'PCN' | 'PER' | 'PHL' | 'PLW' | 'PNG' | 'POL' | 'PRI' | 'PRK' | 'PRT' | 'PRY' | 'PSE' | 'PYF' | 'QAT' | 'REU' | 'ROU' | 'RUS' | 'RWA' | 'SAU' | 'SDN' | 'SEN' | 'SGP' | 'SGS' | 'SHN' | 'SJM' | 'SLB' | 'SLE' | 'SLV' | 'SMR' | 'SOM' | 'SPM' | 'SRB' | 'SSD' | 'STP' | 'SUR' | 'SVK' | 'SVN' | 'SWE' | 'SWZ' | 'SXM' | 'SYC' | 'SYR' | 'TCA' | 'TCD' | 'TGO' | 'THA' | 'TJK' | 'TKL' | 'TKM' | 'TLS' | 'TON' | 'TTO' | 'TUN' | 'TUR' | 'TUV' | 'TWN' | 'TZA' | 'UGA' | 'UKR' | 'UMI' | 'URY' | 'USA' | 'UZB' | 'VAT' | 'VCT' | 'VEN' | 'VGB' | 'VIR' | 'VNM' | 'VUT' | 'WLF' | 'WSM' | 'XKX' | 'YEM' | 'ZAF' | 'ZMB' | 'ZWE', nullable, required - `phone` string — Phone number where the buyer can be reached. - `identity_roles` string[] — The set of roles available to the `Identity`. - `tags` Tags, nullable — Include up to 50 `key: value` pairs to annotate requests with custom metadata. - Maximum character length for individual `keys` is 40. - Maximum character length for individual `values` is 500. (For example, `order_number: 25`, `item_type: produce`, `department: sales`) - `type` 'BUSINESS' | 'PERSONAL' — The `Identity` type. - CreateIdentityBuyerBlank - `entity` object, required — The underwriting details required to verify an `Identity`. - `email` string — The email address of the buyer where they can be reached (max 100 characters). - `first_name` string — The legal first name of the buyer (max 20 characters). - `last_name` string — The legal last name of the buyer (max 20 characters). - `personal_address` Address - `line1` string, nullable, required — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable, required — City (max 20 characters). - `region` string, nullable, required — 2-letter State code. - `postal_code` string, nullable, required — Zip or Postal code (max 7 characters). - `country` 'ABW' | 'AFG' | 'AGO' | 'AIA' | 'ALA' | 'ALB' | 'AND' | 'ARE' | 'ARG' | 'ARM' | 'ASM' | 'ATA' | 'ATF' | 'ATG' | 'AUS' | 'AUT' | 'AZE' | 'BDI' | 'BEL' | 'BEN' | 'BES' | 'BFA' | 'BGD' | 'BGR' | 'BHR' | 'BHS' | 'BIH' | 'BLM' | 'BLR' | 'BLZ' | 'BMU' | 'BOL' | 'BRA' | 'BRB' | 'BRN' | 'BTN' | 'BVT' | 'BWA' | 'CAF' | 'CAN' | 'CCK' | 'CHE' | 'CHL' | 'CHN' | 'CIV' | 'CMR' | 'COD' | 'COG' | 'COK' | 'COL' | 'COM' | 'CPV' | 'CRI' | 'CUB' | 'CUW' | 'CXR' | 'CYM' | 'CYP' | 'CZE' | 'DEU' | 'DJI' | 'DMA' | 'DNK' | 'DOM' | 'DZA' | 'ECU' | 'EGY' | 'ERI' | 'ESH' | 'ESP' | 'EST' | 'ETH' | 'FIN' | 'FJI' | 'FLK' | 'FRA' | 'FRO' | 'FSM' | 'GAB' | 'GBR' | 'GEO' | 'GGY' | 'GHA' | 'GIB' | 'GIN' | 'GLP' | 'GMB' | 'GNB' | 'GNQ' | 'GRC' | 'GRD' | 'GRL' | 'GTM' | 'GUF' | 'GUM' | 'GUY' | 'HKG' | 'HMD' | 'HND' | 'HRV' | 'HTI' | 'HUN' | 'IDN' | 'IMN' | 'IND' | 'IOT' | 'IRL' | 'IRN' | 'IRQ' | 'ISL' | 'ISR' | 'ITA' | 'JAM' | 'JEY' | 'JOR' | 'JPN' | 'KAZ' | 'KEN' | 'KGZ' | 'KHM' | 'KIR' | 'KNA' | 'KOR' | 'KWT' | 'LAO' | 'LBN' | 'LBR' | 'LBY' | 'LCA' | 'LIE' | 'LKA' | 'LSO' | 'LTU' | 'LUX' | 'LVA' | 'MAC' | 'MAF' | 'MAR' | 'MCO' | 'MDA' | 'MDG' | 'MDV' | 'MEX' | 'MHL' | 'MKD' | 'MLI' | 'MLT' | 'MMR' | 'MNE' | 'MNG' | 'MNP' | 'MRT' | 'MSR' | 'MTQ' | 'MUS' | 'MWI' | 'MYS' | 'MYT' | 'NAM' | 'NCL' | 'NER' | 'NFK' | 'NGA' | 'NIC' | 'NIU' | 'NLD' | 'NOR' | 'NPL' | 'NRU' | 'NZL' | 'OMN' | 'PAK' | 'PAN' | 'PCN' | 'PER' | 'PHL' | 'PLW' | 'PNG' | 'POL' | 'PRI' | 'PRK' | 'PRT' | 'PRY' | 'PSE' | 'PYF' | 'QAT' | 'REU' | 'ROU' | 'RUS' | 'RWA' | 'SAU' | 'SDN' | 'SEN' | 'SGP' | 'SGS' | 'SHN' | 'SJM' | 'SLB' | 'SLE' | 'SLV' | 'SMR' | 'SOM' | 'SPM' | 'SRB' | 'SSD' | 'STP' | 'SUR' | 'SVK' | 'SVN' | 'SWE' | 'SWZ' | 'SXM' | 'SYC' | 'SYR' | 'TCA' | 'TCD' | 'TGO' | 'THA' | 'TJK' | 'TKL' | 'TKM' | 'TLS' | 'TON' | 'TTO' | 'TUN' | 'TUR' | 'TUV' | 'TWN' | 'TZA' | 'UGA' | 'UKR' | 'UMI' | 'URY' | 'USA' | 'UZB' | 'VAT' | 'VCT' | 'VEN' | 'VGB' | 'VIR' | 'VNM' | 'VUT' | 'WLF' | 'WSM' | 'XKX' | 'YEM' | 'ZAF' | 'ZMB' | 'ZWE', nullable, required - `phone` string — Phone number where the buyer can be reached. - `identity_roles` string[] — The set of roles available to the `Identity`. - `tags` Tags, nullable — Include up to 50 `key: value` pairs to annotate requests with custom metadata. - Maximum character length for individual `keys` is 40. - Maximum character length for individual `values` is 500. (For example, `order_number: 25`, `item_type: produce`, `department: sales`) - `type` 'BUSINESS' | 'PERSONAL' — The `Identity` type. ## Response `201` Single Identity object - Identity - `id` string — The ID of the resource. - `created_at` string, date-time — Timestamp of when the object was created. - `updated_at` string, date-time — Timestamp of when the object was last updated. - `additional_underwriting_data` AdditionalUnderwritingData — Additional underwriting data about the seller. - `annual_ach_volume` integer — The approximate annual ACH sales expected to be processed (in cents) by this merchant (max 10 characters). - `average_ach_transfer_amount` integer — The approximate average ACH sale amount (in cents) for this merchant. - `average_card_transfer_amount` integer — The average credit card sale amount (in cents) for this merchant. - `business_description` string — Description of this merchant's business (max 200 characters). - `card_volume_distribution` object, nullable — The distribution of the merchant's credit card volume The sum of `card_volume_distribution` must be 100. - `card_present_percentage` integer — The percentage of the merchant's volume that's card present (between 0 and 100). - `ecommerce_percentage` integer — The percentage of the merchant's business that is eCommerce (between 0 and 100). - `mail_order_telephone_order_percentage` integer — The percentage of the merchant's business that is a mail or telephone order (between 0 and 100). - `credit_check_allowed` boolean — Sets if this merchant has consented and accepted to a credit check. - `credit_check_ip_address` string — The IP address of the merchant when they consented to a credit check (e.g., 42.1.1.112 ). - `credit_check_timestamp` string — A timestamp of when this merchant consented to a credit check (e.g., 2021-04-28T16:42:55Z). - `credit_check_user_agent` string — The details of the browser that was used when this merchant consented to a credit check (e.g., Mozilla 5.0 (Macintosh; Intel Mac OS X 10 _14_6)). - `merchant_agreement_accepted` boolean — Sets whether this merchant has accepted the terms and conditions of the merchant agreement. Required for USA and CAN sellers. - `merchant_agreement_ip_address` string — IP address of the merchant when this merchant accepted the merchant agreement (e.g., 42.1.1.113). Required for USA and CAN sellers. - `merchant_agreement_timestamp` string — Timestamp of when the merchant accepted Finix's Terms of Service (e.g., 2021-04-28T16:42:55Z). Required for USA and CAN sellers. - `merchant_agreement_user_agent` string — The details of the browser that was used when this merchant accepted Finix's Terms of Service (e.g., Mozilla 5.0 (Macintosh; Intel Mac OS X 10 _14_6)). Required for USA and CAN sellers. - `refund_policy` 'NO_REFUNDS' | 'MERCHANDISE_EXCHANGE_ONLY' | 'WITHIN_30_DAYS' | 'OTHER' — Include the value that best applies to the merchant's refund policy. - `volume_distribution_by_business_type` object, nullable — Merchant's distribution of credit card volume by business type. Sum of `volume_distribution_by_business_type` must be 100. - `business_to_business_volume_percentage` integer — The percentage of the merchant's volume that's business to business (between 0 and 100). - `business_to_consumer_volume_percentage` integer — The percentage of the merchant's volume that's business to consumer (between 0 and 100). - `consumer_to_consumer_volume_percentage` integer — Merchant's percentage of volume that is consumer to consumer (between 0 and 100). - `other_volume_percentage` integer — The percentage of the merchant's volume that isn't represented by the previous fields (between 0 and 100). - `person_to_person_volume_percentage` integer — The percentage the merchant's volume that's person to person (between 0 and 100). - `application` string — ID of the `Application` associated with the resource. - `entity` Entity - `amex_mid` integer, nullable — Assigned amexMid value. If a value is passed, it must be 10 or 11 digits. - `annual_card_volume` integer, nullable — The annual credit card sales (in cents) expected to be processed by this merchant (max 19 characters). - `business_address` object, nullable — The primary address for the legal entity. - `line1` string, nullable — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable — City (max 20 characters). - `region` string, nullable — 2-letter state code. - `postal_code` string, nullable — Zip or Postal code (max 7 characters). - `country` string, nullable — 3-Letter Country code (e.g. USA). - `business_name` string, nullable — The merchant's legal business name (max 120 characters). - `business_phone` string, nullable — Customer service phone number where the merchant can be reached (max 10 characters). - `business_tax_id` string — **US-based Merchants**: Nine digit Tax Identification Number (TIN), Employer Identification Number (EIN). If the `business_type` is **INDIVIDUAL\_SOLE\_PROPRIETORSHIP** and they do not have an EIN, use the sole proprietor''s Social Security Number (SSN). **Canada-based Merchants**: Nine-digit Business Number (BN) issued by the Canada Revenue Agency (CRA) for business tax purposes. If the business_type is INDIVIDUAL_SOLE_PROPRIETORSHIP and they do not have a Business Number, use the sole proprietor’s Social Insurance Number (SIN). - `business_type` 'INDIVIDUAL_SOLE_PROPRIETORSHIP' | 'CORPORATION' | 'LIMITED_LIABILITY_COMPANY' | 'PARTNERSHIP' | 'LIMITED_PARTNERSHIP' | 'GENERAL_PARTNERSHIP' | 'ASSOCIATION_ESTATE_TRUST' | 'TAX_EXEMPT_ORGANIZATION' | 'GOVERNMENT_AGENCY', nullable — Include the value that best applies to the merchant. - `default_statement_descriptor` string, nullable — The description of the `Merchant` that appears on the buyer's bank or card statement. - `discover_mid` integer, nullable — Assigned discoverMid value. - `dob` object, nullable — The control owner's date of birth. - `day` integer — Day of birth (between 1 and 31). - `month` integer — Month of birth (between 1 and 12). - `year` integer — Year of birth (4-digit). Year must be greater than 1900. - `doing_business_as` string, nullable — Alternate names of the business. If there are no other names, pass the same value used for `business_name` (max 60 characters). - `email` string, nullable — The email address of the entity or its control owner (max 100 characters). - `first_name` string, nullable — The legal first name of the entity or its control owner (max 20 characters). - `has_accepted_credit_cards_previously` boolean — Defaults to **false** if not passed. - `incorporation_date` object, nullable — The date the company was founded and registered. - `day` integer — Day business was incorporated (between 1 and 31). - `month` integer — Month business was incorporated (between 1 and 12). - `year` integer — Year business was incorporated (4-digit). - `last_name` string, nullable — The legal last name of the entity or its control owner (max 20 characters). - `max_transaction_amount` integer, nullable — The maximum amount (in cents) that can be charged for a single transaction (max 12 characters). - `ach_max_transaction_amount` integer, nullable — The maximum amount (in cents) that can be processed for a single ACH transaction (max 12 characters). - `mcc` string, nullable — The Merchant Category Code ([MCC](http://www.dm.usda.gov/procurement/card/card\_x/mcc.pdf)) that this merchant will be classified under. For a list of approved MCCs, see [Approved Merchant Category Codes.](/guides/managing-operations/security-compliance/approved-merchant-category-codes) - `ownership_type` 'PUBLIC' | 'PRIVATE', nullable — Values can be either: - `personal_address` Address - `line1` string, nullable, required — First line of the address (max 35 characters). - `line2` string, nullable — Second line of the address (max 35 characters). - `city` string, nullable, required — City (max 20 characters). - `region` string, nullable, required — 2-letter State code. - `postal_code` string, nullable, required — Zip or Postal code (max 7 characters). - `country` 'ABW' | 'AFG' | 'AGO' | 'AIA' | 'ALA' | 'ALB' | 'AND' | 'ARE' | 'ARG' | 'ARM' | 'ASM' | 'ATA' | 'ATF' | 'ATG' | 'AUS' | 'AUT' | 'AZE' | 'BDI' | 'BEL' | 'BEN' | 'BES' | 'BFA' | 'BGD' | 'BGR' | 'BHR' | 'BHS' | 'BIH' | 'BLM' | 'BLR' | 'BLZ' | 'BMU' | 'BOL' | 'BRA' | 'BRB' | 'BRN' | 'BTN' | 'BVT' | 'BWA' | 'CAF' | 'CAN' | 'CCK' | 'CHE' | 'CHL' | 'CHN' | 'CIV' | 'CMR' | 'COD' | 'COG' | 'COK' | 'COL' | 'COM' | 'CPV' | 'CRI' | 'CUB' | 'CUW' | 'CXR' | 'CYM' | 'CYP' | 'CZE' | 'DEU' | 'DJI' | 'DMA' | 'DNK' | 'DOM' | 'DZA' | 'ECU' | 'EGY' | 'ERI' | 'ESH' | 'ESP' | 'EST' | 'ETH' | 'FIN' | 'FJI' | 'FLK' | 'FRA' | 'FRO' | 'FSM' | 'GAB' | 'GBR' | 'GEO' | 'GGY' | 'GHA' | 'GIB' | 'GIN' | 'GLP' | 'GMB' | 'GNB' | 'GNQ' | 'GRC' | 'GRD' | 'GRL' | 'GTM' | 'GUF' | 'GUM' | 'GUY' | 'HKG' | 'HMD' | 'HND' | 'HRV' | 'HTI' | 'HUN' | 'IDN' | 'IMN' | 'IND' | 'IOT' | 'IRL' | 'IRN' | 'IRQ' | 'ISL' | 'ISR' | 'ITA' | 'JAM' | 'JEY' | 'JOR' | 'JPN' | 'KAZ' | 'KEN' | 'KGZ' | 'KHM' | 'KIR' | 'KNA' | 'KOR' | 'KWT' | 'LAO' | 'LBN' | 'LBR' | 'LBY' | 'LCA' | 'LIE' | 'LKA' | 'LSO' | 'LTU' | 'LUX' | 'LVA' | 'MAC' | 'MAF' | 'MAR' | 'MCO' | 'MDA' | 'MDG' | 'MDV' | 'MEX' | 'MHL' | 'MKD' | 'MLI' | 'MLT' | 'MMR' | 'MNE' | 'MNG' | 'MNP' | 'MRT' | 'MSR' | 'MTQ' | 'MUS' | 'MWI' | 'MYS' | 'MYT' | 'NAM' | 'NCL' | 'NER' | 'NFK' | 'NGA' | 'NIC' | 'NIU' | 'NLD' | 'NOR' | 'NPL' | 'NRU' | 'NZL' | 'OMN' | 'PAK' | 'PAN' | 'PCN' | 'PER' | 'PHL' | 'PLW' | 'PNG' | 'POL' | 'PRI' | 'PRK' | 'PRT' | 'PRY' | 'PSE' | 'PYF' | 'QAT' | 'REU' | 'ROU' | 'RUS' | 'RWA' | 'SAU' | 'SDN' | 'SEN' | 'SGP' | 'SGS' | 'SHN' | 'SJM' | 'SLB' | 'SLE' | 'SLV' | 'SMR' | 'SOM' | 'SPM' | 'SRB' | 'SSD' | 'STP' | 'SUR' | 'SVK' | 'SVN' | 'SWE' | 'SWZ' | 'SXM' | 'SYC' | 'SYR' | 'TCA' | 'TCD' | 'TGO' | 'THA' | 'TJK' | 'TKL' | 'TKM' | 'TLS' | 'TON' | 'TTO' | 'TUN' | 'TUR' | 'TUV' | 'TWN' | 'TZA' | 'UGA' | 'UKR' | 'UMI' | 'URY' | 'USA' | 'UZB' | 'VAT' | 'VCT' | 'VEN' | 'VGB' | 'VIR' | 'VNM' | 'VUT' | 'WLF' | 'WSM' | 'XKX' | 'YEM' | 'ZAF' | 'ZMB' | 'ZWE', nullable, required - `phone` string, nullable — The phone number of the entity or its control owner (max 10 characters). - `principal_percentage_ownership` integer, nullable — Percentage of the company owned by the principal control owner (min 0; max 100). - `short_business_name` string, nullable — Abbreviated names of the business. If there are no abbreviated name, leave this field blank. - `tax_authority` string, nullable — - `tax_id` string, nullable — The control owner's Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN). This is required for identity verification. It is not included in the response. - `title` string, nullable — The corporate title of the control owner (e.g. Chief Executive Officer, CFO, etc. Max 60 characters). - `url` string, nullable — The URL of the merchant's public website. - `identity_roles` string[] — The set of roles available to the `Identity`. If none is provided, the Identity will be assigned `BUYER`. - `type` 'PERSONAL' | 'BUSINESS' — The `Identity` type. - `tags` Tags, nullable — Include up to 50 `key: value` pairs to annotate requests with custom metadata. - Maximum character length for individual `keys` is 40. - Maximum character length for individual `values` is 500. (For example, `order_number: 25`, `item_type: produce`, `department: sales`) - `_links` object - `self` Self — Link to the resource that was used in the request. - `href` string - `verifications` Verifications — Link to the `Verification` the request was made under. - `href` string - `merchants` Merchants — Link to the `Merchant` the request was made under. - `href` string - `settlements` Settlements — Link to the `Settlement` the request was made under. - `href` string - `authorizations` Authorizations — Link to the `Authorization` the request was made under. - `href` string - `transfers` Transfers — Link to the `Transfer` the request was made under. - `href` string - `payment_instruments` PaymentInstruments — Link to the `Payment Instrume` the request was made under. - `href` string - `associated_identities` AssociatedIdentities — Link to any other `Identites` associated with the request. - `href` string - `disputes` Disputes — Link to the `Dispute` the request was made under. - `href` string - `application` ApplicationLink — Link to the `Application` the request was made under. - `href` string ## Other responses - `400` — Bad Request. The server cannot process the request due to malformed syntax or invalid data. - `401` — Unauthorized. Authentication is required and has failed or has not been provided. - `403` — Forbidden. The client is authenticated but does not have permission to access the resource. - `406` — Not Acceptable. The server could accept the submitted request. Confirm how the request was formatted and submitted. --- [API](https://skmtc.net/finix/apis/finix-api-reference.md) · [All operations](https://skmtc.net/finix/apis/finix-api-reference/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/finix/finix-api-reference/versions/5426f6f99c52/schema)