Update Sales and Business Profile

Updates the sales and business profile section of an existing merchant application. This covers the merchant's industry classification (SIC code), ownership structure, bank account details, ACH settlement method, transaction volume estimates, card acceptance mix percentages, and optional card-not-present (CNP) business details for internet or MOTO merchants.

Endpoint

POST /api/v1/merchant/account

Authentication

Basic HTTP Authentication required.
Encode username:password in Base64 and pass in the Authorization header:

Authorization: Basic {base64(username:password)}

When to use

Call this endpoint when the merchant's banking information changes, when volume projections need to be updated, or when the business type classification needs to be corrected after initial submission. For internet or mail-order merchants, the cardNotPresentInformation sub-object should be fully populated. The retail/imprint/moto/internet percentages must always sum to 100.

Request Body

{
  "id": 10482,
  "merchantAccount": {
    "sic": "5812",
    "typeOfOwnership": "LimitedLiabilityLlc",
    "businessType": "Restaurant",
    "accountNumber": "123456789012",
    "businessCheckingRoutingNumber": "061000104",
    "achMethod": "Combine",
    "averageTicket": 3500,
    "highTicket": 20000,
    "monthlyVolume": 130000,
    "retail": 90,
    "imprint": 0,
    "moto": 5,
    "internet": 5,
    "accountType": "C",
    "bankName": "Bank of America",
    "goodsAndServices": "Full-service restaurant, dine-in and takeout",
    "returnPolicy": "No refunds on food items; merchandise within 30 days with receipt",
    "nextDayFunding": false,
    "sameDayFunding": false,
    "salesToConsumers": 100,
    "salesToBusiness": 0,
    "salesToGovernment": 0
  }
}

Response

200 OK

{
  "data": {},
  "status": "OK",
  "error": null,
  "warning": null,
  "validationResults": [],
  "requestId": 66140
}

Error Codes

Common Mistakes

• retail + imprint + moto + internet must sum to exactly 100; any other total causes a validation error.
• businessCheckingRoutingNumber must be exactly 9 digits; leading zeros are significant.
• accountNumber must contain only digits and be 17 characters or fewer.
• averageTicket and monthlyVolume are in cents (integer), not dollars — for a $35 average ticket, send 3500.
• For internet merchants, populating cardNotPresentInformation is expected by underwriters even if the schema marks it optional.

Related Endpoints

• POST /api/v1/merchant/parameters — Update business and owner information (legal address, federal tax ID, owners).
• POST /api/v1/merchant/productSetup — Update service acceptance (Amex, Discover, debit, EBT).
• POST /api/v1/merchant/fees — Update the fee structure.

Example

curl -X POST https://hq.staging.netevia.dev/api/v1/merchant/account \
  -H "Authorization: Basic $(echo -n 'username:password' | base64)" \
  -H "Content-Type: application/json" \
  -d '{
    "id": 10482,
    "merchantAccount": {
      "sic": "5812",
      "typeOfOwnership": "LimitedLiabilityLlc",
      "businessType": "Restaurant",
      "accountNumber": "123456789012",
      "businessCheckingRoutingNumber": "061000104",
      "achMethod": "Combine",
      "averageTicket": 3500,
      "monthlyVolume": 130000,
      "retail": 90,
      "imprint": 0,
      "moto": 5,
      "internet": 5,
      "bankName": "Bank of America"
    }
  }'