Merchant Management

Submit a merchant for review

1. In the Partner Portal, go to Payments → Merchants and start a New Merchant
2. Complete the application wizard — business details, principals and beneficial owners, funding/banking, processing profile (required at minimum: business name, contact email, MCC)
3. Submit for review

Approval is a Cresora review action, in the sandbox too — not automatic. Track progress on the merchant's page.

Merchant states

The wire field is state, UPPERCASE, with 14 values — DRAFT → SUBMITTED → REVIEWING → AWAITING_MERCHANT_SIGNATURE → UNDERWRITING → APPROVED → CONFIGURING → ACTIVE → LIVE, with AWAITING_CLARIFICATION, CONFIG_FAILED, REJECTED, SUSPENDED, CLOSED on the side paths. Two that matter most:

• ACTIVE is not live — it is the provisioned, pre-go-live resting state; real payments start at LIVE.
• AWAITING_CLARIFICATION means Cresora asked a question — answer it from the merchant's page to resume review.

The full reference, including every rejection code, is the merchant state reference →.

Rejections

A rejected application carries a structured rejection_reason_code (REJ_001 … REJ_008 — underscores) plus a human-readable reason; the portal displays both. See the state reference → for what each code means and whether resubmission applies (resubmission_count / resubmission_limit).

Editing and resubmitting

A merchant in DRAFT can be edited freely; a REJECTED one can be corrected and resubmitted while its resubmission limit allows.

API equivalent

POST /api/v1/merchants — see the API reference → for the full request shape.