Update merchant's service acceptance

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Status

User Agent

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Update Service Acceptance

Updates the service acceptance (product setup) configuration for an existing merchant application. This controls which card brands and payment networks the merchant is enrolled to accept, and provides the existing Amex ESA or FCS account numbers if applicable.

Endpoint

POST /api/v1/merchant/productSetup

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 a merchant wants to add or remove acceptance of specific card types or payment networks after the initial application has been submitted. For example, enabling Amex Opt Blue or EBT acceptance mid-application without requiring a full re-submission. This data directly affects which card brands will be activated on the merchant's account at approval.

Request Body

Field	Type	Required	Description
id	integer (int32)	Yes	Merchant profile ID to update (1–999999).
productSetup	object	No	Service acceptance configuration.
productSetup.amexESA	boolean	No	Whether the merchant has an existing Amex ESA (standalone Amex) account.
productSetup.amexOptBlue	boolean	No	Whether the merchant participates in the Amex Opt Blue program.
productSetup.discover	boolean	No	Whether the merchant accepts Discover.
productSetup.payPal	boolean	No	Whether the merchant accepts PayPal.
productSetup.jcb	boolean	No	Whether the merchant accepts JCB.
productSetup.ebt	boolean	No	Whether the merchant accepts EBT (Electronic Benefits Transfer).
productSetup.debitCard	boolean	No	Whether the merchant accepts PIN debit cards.
productSetup.amexNumber	string	No	Existing Amex ESA account number — exactly 10 digits. Required if `amexESA` is `true`.
productSetup.fcsNumber	string	No	FCS (Fuel Card Services) number — exactly 7 digits. Required if applicable.

{
  "id": 10482,
  "productSetup": {
    "amexESA": false,
    "amexOptBlue": true,
    "discover": true,
    "payPal": false,
    "jcb": false,
    "ebt": true,
    "debitCard": true
  }
}

Response

200 OK

Field	Type	Description
data	object	Empty object on success.
status	string	HTTP status name (e.g., `"OK"`).
error	string	Error message if the update failed; otherwise null.
warning	string	Non-fatal warning, if any.
validationResults	array	Field-level validation errors, if any.
requestId	integer	Internal request tracking ID.

{
  "data": {},
  "status": "OK",
  "error": null,
  "warning": null,
  "validationResults": [],
  "requestId": 58024
}

Error Codes

Code	When it happens
400	`id` is missing or out of range; or `amexNumber` / `fcsNumber` are provided but do not match the required digit pattern.
401	Invalid or missing Basic Auth credentials.
403	User does not have permission to update this merchant application.
404	No merchant application found with the given ID.
500	Internal server error.

Common Mistakes

Setting amexESA: true without providing a valid 10-digit amexNumber will fail at underwriting even if the API returns 200.
Setting both amexESA: true and amexOptBlue: true simultaneously is typically invalid — choose one Amex program.
amexNumber must be exactly 10 digits (^\d{10}$); leading zeros are significant.
fcsNumber must be exactly 7 digits (^\d{7}$).
Enabling ebt requires additional configuration at the network level — coordinate with the ISO before enabling.

Related Endpoints

POST /api/v1/merchant/account — Update sales and business profile, including card acceptance percentages.
POST /api/v1/merchant/fees — Update fee rates for each accepted card network.
POST /api/v1/merchant/submit — Initial submission that includes service acceptance configuration.

Example

curl -X POST https://hq.staging.netevia.dev/api/v1/merchant/productSetup \
  -H "Authorization: Basic $(echo -n 'username:password' | base64)" \
  -H "Content-Type: application/json" \
  -d '{
    "id": 10482,
    "productSetup": {
      "amexESA": false,
      "amexOptBlue": true,
      "discover": true,
      "payPal": false,
      "jcb": false,
      "ebt": true,
      "debitCard": true
    }
  }'