Updating the Account

Account manages the product that you are willing to board.

Account

Note: As of September 2021, our documentation refers to the new MXC boarding APIs. If you would like to review documentation referencing our old boarding APIs, please change the page version from v2 to v1 at the top left corner

Updating the account endpoint will vary greatly between different products. This will be an endpoint that will be heavily considered based on your company's business needs. Below is a snapshot of what a complete account request body will look like.

{
    "domain": {
         "id": "00000000-0000-0000-0000-000000000001"
      },
  "status": "Draft",

  "product": {
    "id": "3",
    "name": "TSYS"
  },
  "id": "0811ece2-ec7d-5150-ba8e-0a558b206b3f",
  "featureGroups": [
    {
      "features": [
        {
          "group": 0,
          "id": "visa_debit",
          "name": "Visa Debit",
          "pos": 0,
          "value": true,
          "isDisabled": false
        },
        {
          "group": 0,
          "id": "visa_credit",
          "name": "Visa Credit",
          "pos": 1,
          "value": true,
          "isDisabled": false
        },
        {
          "group": 0,
          "id": "mastercard_debit",
          "name": "Mastercard Debit",
          "pos": 2,
          "value": true,
          "isDisabled": false
        },
        {
          "group": 0,
          "id": "mastercard_credit",
          "name": "Mastercard Credit",
          "pos": 3,
          "value": true,
          "isDisabled": false
        },
        {
          "group": 0,
          "id": "american_express",
          "name": "American Express (OptBlue)",
          "pos": 4,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 0,
          "id": "discover",
          "name": "Discover Full Acquiring (MAP)",
          "pos": 5,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 0,
          "id": "pin_debit",
          "name": "PIN Debit",
          "pos": 6,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 0,
          "id": "ebt_cash_benefit",
          "name": "EBT Cash Benefit",
          "pos": 7,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 0,
          "id": "ebt_food_stamp",
          "name": "EBT Food Stamp",
          "pos": 8,
          "value": false,
          "isDisabled": false
        }
      ],
      "id": "acquiring-tsys-basic",
      "name": "Basic",
      "pos": 0,
      "toggleAlias": "Enabled",
      "visibility": "partnerMerchant"
    },
    {
      "features": [
        {
          "featureTypes": [
            {
              "group": 1,
              "helpText": "CAP #",
              "id": "0fea6cb7-7869-5578-b738-02f02936ae20",
              "item": 0,
              "maxLength": 10,
              "minLength": 10,
              "name": "CAP #",
              "pos": 0,
              "readOnly": false,
              "required": false,
              "type": "string",
              "isDisabled": false
            }
          ],
          "group": 1,
          "id": "american_express_direct",
          "name": "American Express Direct (ESA)",
          "pos": 0,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 1,
          "id": "american_express_commercial_marketing_communication_opt_out",
          "name": "American Express commercial marketing communication opt out",
          "pos": 2,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 1,
          "id": "discover_direct",
          "name": "Discover Direct",
          "pos": 1,
          "value": false,
          "isDisabled": false
        }
      ],
      "id": "acquiring-tsys-advanced",
      "name": "Advanced",
      "pos": 1,
      "toggleAlias": "Enabled",
      "visibility": "partnerMerchant"
    },
    {
      "features": [
        {
          "group": 2,
          "id": "668e2b7b-6493-55de-8835-7a6e0a6123d1",
          "name": "Request Next Day Funding",
          "pos": 2,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 2,
          "id": "20cc456d-27e6-5fa0-913f-00272068d3d7",
          "name": "Request Daily Discount",
          "pos": 0,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 2,
          "id": "727292a4-6760-588a-b28d-ba94c84b5fde",
          "name": "Request Daily Interchange",
          "pos": 1,
          "value": false,
          "isDisabled": false
        },
        {
          "featureTypes": [
            {
              "group": 2,
              "id": "9bfcbcc0-ffae-542d-8d8a-1aff08aac282",
              "item": 4,
              "name": "Business Sales",
              "options": [
                "1% - 10%",
                "11% - 20%",
                "21% - 30%",
                "31% - 40%",
                "41% - 50%",
                "51% - 60%",
                "61% - 70%",
                "71% - 80%",
                "81% - 90%",
                "91% - 100%"
              ],
              "pos": 0,
              "readOnly": false,
              "required": false,
              "type": "dropdown",
              "value": "1% - 10%",
              "isDisabled": false
            },
            {
              "group": 2,
              "id": "b12d68a9-04b2-5625-b4c6-9aac9e3e073a",
              "item": 4,
              "name": "Commercial Sales",
              "options": [
                "1% - 10%",
                "11% - 20%",
                "21% - 30%",
                "31% - 40%",
                "41% - 50%",
                "51% - 60%",
                "61% - 70%",
                "71% - 80%",
                "81% - 90%",
                "91% - 100%"
              ],
              "pos": 1,
              "readOnly": false,
              "required": false,
              "type": "dropdown",
              "value": "1% - 10%",
              "isDisabled": false
            },
            {
              "group": 2,
              "id": "9361d163-1a4b-5f86-8812-a0a53db519c3",
              "item": 4,
              "name": "Government Sales",
              "options": [
                "1% - 10%",
                "11% - 20%",
                "21% - 30%",
                "31% - 40%",
                "41% - 50%",
                "51% - 60%",
                "61% - 70%",
                "71% - 80%",
                "81% - 90%",
                "91% - 100%"
              ],
              "pos": 2,
              "readOnly": false,
              "required": false,
              "type": "dropdown",
              "value": "1% - 10%",
              "isDisabled": false
            }
          ],
          "group": 2,
          "id": "d5fdae8f-17b2-53b6-ab80-cd9f6390ed9c",
          "name": "Commercial Transactions",
          "pos": 4,
          "value": false,
          "isDisabled": false
        },
        {
          "featureTypes": [
            {
              "group": 2,
              "id": "ach_method",
              "item": 5,
              "name": "ACH Method",
              "options": [
                "Individual - By Batch",
                "Combined - All Batches"
              ],
              "pos": 0,
              "readOnly": false,
              "required": false,
              "type": "dropdown",
              "value": "individual - by batch",
              "isDisabled": false
            }
          ],
          "group": 2,
          "id": "change_ach_method",
          "name": "Request ACH Method Change",
          "pos": 5,
          "value": false,
          "isDisabled": false
        },
        {
          "group": 2,
          "id": "debt_repayment",
          "name": "Debt Repayment",
          "pos": 3,
          "value": false,
          "isDisabled": false
        }
      ],
      "id": "1ac1dac8-dc5e-5880-b76a-bcf387b074c5",
      "name": "Partner Only",
      "pos": 2,
      "toggleAlias": "Enabled",
      "visibility": "partner"
    }
  ],
  "platform": "vortex",
  "sponsor": {
    "id": "12",
    "applicationVersion": "2.6.1",
    "bankNumber": "5631",
    "bin": "425761",
    "city": "Maitland",
    "disabled": false,
    "fullName": "Axiom Bank N.A., FL",
    "ica": "21054",
    "mpgVersion": "2.6.1",
    "name": "Axiom Bank",
    "phoneNumber": " (321) 249-7847",
    "prefix": "5631",
    "prefixPad": "7",
    "products": [
      {
        "id": "3",
        "name": "TSYS"
      }
    ],
    "programGuide": "https://prioritypaymentsystems.com/manuals/Axiom_Bank_PPS_Program_Guide_09.24.19.pdf",
    "state": "FL",
    "streetAddress1": "258 Southhall Ln Suite 400",
    "zipcode": "32751",
    "enabled": true,
    "default": true,
    "registrationType": "Unregistered"
  },
  "statementBranding": "2a4e26e3-5f61-516e-8300-dd3c76558d39",
  "welcomeKit": "251b7d9c-2eaa-5f9f-a85f-e30e9fdde2be",
  "funding": [
    {
      "fundingAccountType": "fees",
      "alias": "Billing Account",
      "accountNumber": "111333",
      "accountType": "Checking",
      "bankName": "BANK OF AMERICA, N.A.",
      "routingNumber": "061000052",
      "bankAddress": {
        "country": "United States"
      }
    },
    {
      "fundingAccountType": "deposits",
      "alias": "Funding Account",
      "accountNumber": "111333",
      "accountType": "Checking",
      "bankName": "BANK OF AMERICA, N.A.",
      "routingNumber": "061000052",
      "bankAddress": {
        "country": "United States"
      }
    }
  ],
  "meta": {
    "cyris": {
      "addPts": 10,
      "existingMerchantMDB": 350,
      "maxPercentage": 31,
      "minMtdVolume": 500,
      "newMerchantMDB": 500,
      "overMaxPercentage": 1,
      "points": 20,
      "existingMerchantItems": [
        {
          "exception1": 10,
          "additionalPoints1": 3,
          "exception2": 15,
          "additionalPoints2": 4
        },
        {
          "exception1": 5,
          "additionalPoints1": 3,
          "exception2": 8,
          "additionalPoints2": 4
        },
        {
          "exception1": 4,
          "additionalPoints1": 3,
          "exception2": 5,
          "additionalPoints2": 4
        },
        {
          "exception1": 3,
          "additionalPoints1": 4,
          "exception2": 4,
          "additionalPoints2": 5
        },
        {
          "exception1": 2,
          "additionalPoints1": 5,
          "exception2": 3,
          "additionalPoints2": 6
        },
        {
          "exception1": 1,
          "additionalPoints1": 5,
          "exception2": 3,
          "additionalPoints2": 6
        },
        {
          "exception1": 2,
          "additionalPoints1": 5,
          "exception2": 3,
          "additionalPoints2": 6
        }
      ],
      "newMerchantItems": [
        {
          "average": 50,
          "exception": 5,
          "points": 2
        },
        {
          "average": 100,
          "exception": 4,
          "points": 2
        },
        {
          "average": 200,
          "exception": 3,
          "points": 2
        },
        {
          "average": 500,
          "exception": 2,
          "points": 3
        },
        {
          "average": 750,
          "exception": 2,
          "points": 4
        },
        {
          "average": 2500,
          "exception": 1,
          "points": 5
        },
        {
          "average": 2500,
          "exception": 1,
          "points": 6
        }
      ],
      "forcedTransaction": {
        "points": 5,
        "additionalPoints": 10,
        "percentAboveAvg": 1
      },
      "multiBin": {
        "points": 2,
        "maxNumber": 2,
        "additionalPoints": 1
      },
      "duplicateCards": {
        "points": 1,
        "maxTimes": 5,
        "additionalPoints": 2
      },
      "offsettingSale": {
        "points": 2,
        "exceedingSales": 1
      },
      "authDeclines": {
        "anyCard": 2,
        "anyCardPoints": 2,
        "anyCardAdditionalPoints": 1,
        "sameCard": 2,
        "sameCardPoints": 1,
        "sameCardAdditionalPoints": 1,
        "reason": 0,
        "reasonPoints": 1,
        "reasonAdditionalPoints": 1
      },
      "chargeBacks": {
        "points": 1,
        "maxPercentage": 0,
        "additionalPoints": 25,
        "forEvery": 1
      },
      "negativeDailyBatch": {
        "points": 10,
        "additionalPoints": 20,
        "forEvery": 100
      },
      "motoAvs": {
        "xy": 0,
        "wz": 0,
        "ap": 0,
        "n": 3,
        "u": 0,
        "r": 1,
        "s": 0,
        "d": 0,
        "e": 1,
        "g": 1
      },
      "monthlyLimit": {
        "points": 10,
        "additionalPoints": 5,
        "forEvery": 1
      },
      "largeTransaction": {
        "points": 1,
        "maxAmount": 5000,
        "additionalPoints": 1,
        "forEvery": 5000
      },
      "ddaChange": {
        "points": 100
      },
      "foreignCards": {
        "points": 1,
        "maxNumber": 2,
        "additionalPoints": 10,
        "forEvery": 1
      },
      "openBatch": {
        "points": 10,
        "maxNumber": 10,
        "additionalPoints": 15
      }
    },
    "sendToMerchant": false
  },
  "research": {
    "addenda": {
      "motoEcom": {
        "usesThirdParty": false
      }
    },
    "risk": {
      "chargebackReversalEnabled": false,
      "creditRewrite": false,
      "merchantWatchlist": false,
      "periodicReview": false,
      "qmaEnabled": false
    },
    "processing": {
      "open": {
        "january": false,
        "february": false,
        "march": false,
        "april": false,
        "may": false,
        "june": false,
        "july": false,
        "august": false,
        "september": false,
        "october": false,
        "november": false,
        "december": false
      },
      "avgTicket": 25,
      "moto": 0,
      "ecom": 0,
      "swiped": 100,
      "daysToDelivery": 0,
      "volume": 10000,
      "amexAvgTicket": 0,
      "amexHighTicket": 0,
      "amexVolume": 0,
      "b2b": 0,
      "b2c": 0,
      "b2g": 0,
      "highTicket": 0
    }
  },
  "acceptsCreditCards": false,
  "active": false,
  "billing": {
    "ledger": false
  },
  "billingItems":[
    {
        "amount": 0.24,
        "calculationOptions": "Percent (%)",
        "catalogId": "7b85e324-01c6-5912-a305-62733dc56fd7",
        "catalogName": "Transaction Fees",
        "categoryId": "0281cd01-0413-55ef-b44f-07be36737b86",
        "key1": [
            "f4b59d05-1bdc-5d6f-aa89-0d04d7823c6c",
            "268bf887-89cc-5b70-a41c-8291a648d388",
            "7c2bd192-772d-513f-9ed2-12da0e925eb9",
            "8e16e206-4784-583a-b552-d9c8dee5b1e7"
        ],
        "key2": [
            "f21962a9-c8a7-5cda-87d2-9cc0ac77f751",
            "6422b701-3d0f-5bca-a599-0242feb3225a",
            "59ccf00b-7dbe-5215-a210-0c2571e41a4f"
        ]
    }
],
  "compliance": {
    "pciDss": {
      "audit": {
        "required": false
      },
      "cppInvestigation": false,
      "priorBreach": false,
      "thirdPartyProgram": false,
      "scanning": {
        "required": false
      }
    }
  },
  "everTerminated": false,
  "frozen": false,
  "reserve": {
    "disabled": false
  },
  "setup": {
    "creditOffsetBlock": "Option 1, 2, 3, 4",
    "excessiveCreditBlock": true,
    "bypassForcePost": false,
    "forcePostThresholdAmount": 0,
    "excessiveTransactionBlock": true,
    "isDiscoverFullAcquiringNumber": false,
    "mccBlock": true,
    "merchantBillingType": "Gross Billing"
  },
  "underwritingQACheck": {
    "hasMerchantApp": false,
    "hasWhoIsLookup": false,
    "hasMerchantWebsite": false,
    "hasRelatedAccounts": false,
    "hasPendingDocsReviewed": false,
    "hasSettlementRouting": false,
    "hasMATCH": false,
    "hasOFAC": false,
    "hasSOS": false,
    "hasG2": false,
    "hasGoogleSearches": false,
    "hasSICMCC": false,
    "hasCreditCheck": false,
    "hasMatchCheck": false,
    "hasOfacCheck": false,
    "hasG2Check": false
  }
}