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Version: 1.0.0

Merchant Account Information

POST https://api.fraudio.com/merchants/account-information

Endpoint Overview

Our Merchant Account Information endpoint collects merchant meta data in an asynchronous manner. Collecting this data allows our system to use more comprehensive information about the merchant's business, improving our AI products.

The merchant account information can be sent either individually or in batch.

Request Parameters

Request parameters in JSON format

{
"data": [
{
"merchant": "Fred & Freddy Sports Store",
"walletid": "1121451",
"mcccode": "5969",
"registrationdate": 100041643253.143105,
"acquirer": "Acquirer X",
"acquirercountry": "056",
"merchantip": "34.231.107.3",
"kyclevel": "5",
"kyclevelnorm": 0.5,
"limitprofile": "5",
"merchantcity": "London",
"merchantcountry": "528",
"merchantemail": "support@fraudio.com",
"merchantpostalcode": "w1b 3hh",
"merchantstatecode": "GA",
"merchantstreetadress": "29 Ravenscroft, Covingham",
"merchanturl": "www.foreverliving.com",
"ocptenabled": "true",
"submerchant": "Shoestore X"
}
]
}

Request parameters: Field Reference Table

FieldData TypePayment Fraud (Issuer)Payment Fraud (Acquirer / Processor)Merchant Fraud / AMLDescription
merchantStringSupplementarySupplementarySupplementary
The name or identifier of the merchant. This field uniquely identifies the merchant, and should not be confused with the MID. Any name or unique identifier is accepted.
mcccodeStringSupplementarySupplementarySupplementary
A Merchant Category Code (MCC) is a four-digit number listed for financial services. An MCC is used to classify a business by the types of goods or services it provides. Only ISO 18245 mcc codes are accepted.
acquirerStringSupplementarySupplementarySupplementary
The acquirer is a financial institution with whom the merchant has a bank account.
acquirercountryStringSupplementarySupplementarySupplementary
Countrycode of country where the acquirer is registered. Only ISO 3166-1 numeric country codes are accepted.
merchantcityStringSupplementarySupplementarySupplementary
City where the merchant is registered. Without merchantip this field becomes important. Any city is accepted.
merchantcountryStringSupplementarySupplementarySupplementary
Countrycode of country where the merchant is registered.Only ISO 3166-1 numeric country codes are accepted
merchantipStringSupplementarySupplementarySupplementary
The IP address of the merchant refers to the IP address where the merchant is registered. It is important to distinguish between the acceptor IP and the merchant IP. The acceptor IP is the location of the merchant's server where the payment is received. Therefore, a merchant can have multiple acceptor IPs, but only one merchant IP.
merchantpostalcodeStringSupplementarySupplementarySupplementary
Postal code where the merchant is registered. Without merchantip this field becomes important. Any postal code is accepted.
merchantstatecodeStringSupplementarySupplementarySupplementary
State where the merchant is registered. Without merchantip this field becomes important. Any state code is accepted.
merchantstreetaddressStringSupplementarySupplementarySupplementary
Street address where the merchant is registered. Without merchantip this field becomes important. Any street address is accepted.
midStringSupplementarySupplementarySupplementary
The MID, or Merchant ID, is a unique identifier assigned to a merchant by their payment processor. It's important to note that the MID does not uniquely identify the merchant, but rather it identifies the merchant's account. This is because a merchant can have multiple MIDs, as they may have separate merchant accounts for different aspects of their business.
submerchantStringSupplementarySupplementarySupplementary
The name or identifier of the submerchant, which is a merchant that processes under a payment service provider or payment facilitator. These services use one merchant account to process the transactions of many sub-merchants, thereby eliminating the need for each sub-merchant to open and maintain a fully-fledged merchant account. Any name or unique identifier is accepted.
isoStringn.a.SupplementarySupplementary
The full name of the Independent Sales Organisation (ISO) that accepts credit card payments for the merchant account that is in its portfolio.
isocountryStringn.a.SupplementarySupplementary
The country of the ISO.
kyclevelStringn.a.SupplementarySupplementary
The Know-Your-Customer level of the merchant. Any indication level is accepted.
kyclevelnormDoublen.a.SupplementarySupplementary
A normalized know-your-customer level of the merchant between 0 and 1, where 0 is a totally unknown and untrusted merchant and 1 is a fully known and absolutely trusted merchant.
limitprofileStringn.a.SupplementarySupplementary
The limit profile of a merchant is a set of limits imposed on the daily/weekly/monthly transaction amounts. A low limit profile number denotes low limits on all transactions.
merchantemailStringn.a.SupplementarySupplementary
The email address of the merchant.
merchantturnoverStringn.a.SupplementarySupplementary
Expected monthly turnover (auths and authcaptures) to be processed through the merchant’s account in euros.
merchanturlStringn.a.SupplementarySupplementary
URL of merchant web site or page where transaction took place. Any URL is accepted.
ocptenabledStringn.a.SupplementarySupplementary
Indicates if ocpt is enabled for this merchant. When ocpt is enabled, payout back to the cardholder is supported.
payfacStringn.a.SupplementarySupplementary
The full name of the Payment Facilitator that has the merchant account in its portfolio.
payfaccountryStringn.a.SupplementarySupplementary
The country of the Payment Facilitator.
registrationdateDoublen.a.SupplementarySupplementary
The time UTC at which the merchant got registered. Only Unix Timestamps are accepted.
uboStringn.a.SupplementarySupplementary
The full name of the Ultimate Beneficial Owner (UBO). The UBO is the individual that is registered as the owner of the merchant account.
ubocountryStringn.a.SupplementarySupplementary
Countrycode of country where the ubo is registered. Only ISO 3166-1 numeric country codes are accepted.
uboemailStringn.a.SupplementarySupplementary
The email address of the ubo.
ubophonenumberStringn.a.SupplementarySupplementary
The phone number of the ubo.
ubostreetaddressStringn.a.SupplementarySupplementary
Street address where the ubo is registered. Without merchantip this field becomes important. Any street address is accepted.
walletidStringn.a.n.a.Supplementary
External ID of the merchant wallet.

Response Parameters

200 OK Response
{
"created": 2,
"deleted": 0,
"errors": 2,
"ignored": 5,
"received": 0,
"updated": 0
}
Status CodeStatus MessageDescriptionSchema
200OKStandard response for successful HTTP requests.200 OK - Post-auth response
4xx, 500, 501, 502, 503, 504errorVarious error messages for unsuccessful HTTP requests.Problem response

Code samples

curl -X POST https://api.fraudio.com/v1/merchants/account-information \
-H "Authorization: Bearer $ACCESS_TOKEN" \
-H 'Content-Type: application/json' \
--data-raw '{"data":[{"merchant":"Fred & Freddy Sports Store","walletid":"1121451","mcccode":"5969","registrationdate":1646063615.143105,"acquirer":"Acquirer X","acquirercountry":"056","merchantip":"34.231.107.3","kyclevel":"5","kyclevelnorm":0.5,"limitprofile":"5","merchantcity":"London","merchantcountry":"528","merchantemail":"support@fraudio.com","merchantpostalcode":"w1b 3hh","merchantstatecode":"GA","merchantstreetadress":"29 Ravenscroft, Covingham","merchanturl":"www.foreverliving.com","ocptenabled":true}]}'