Merchants

A Merchant is a venue that can accept payments. It is provisioned from an Identity that carries the venue's KYB (Know Your Business) information.

Identities

An Identity holds the underwriting data for a business (or a buyer). Create the business Identity first, then provision a Merchant from it. Yusker screens the Identity against sanctions and PEP lists as part of onboarding.

POST/v1/identities

Create an Identity for a business or a buyer.

`entity.business_name` stringrequired	Legal name of the venue.
`entity.business_type` enumoptional	e.g. INDIVIDUAL_SOLE_PROPRIETORSHIP, LLC, CORPORATION.
`entity.country` stringoptional	ISO-3166 country. CAN for Canadian venues.
`entity.email` stringoptional	Owner contact email.

curl -u "$YUSKER_KEY" "$YUSKER_BASE/identities" \
  -H "Content-Type: application/json" \
  -d '{ "entity": { "business_name": "Hawg'\''s Breath Saloon", "business_type": "LLC", "country": "CAN", "email": "owner@hawgsbreath.ca" } }'
# -> { "id": "IDxxxx", "created_at": "..." }

Provisioning a merchant

Provision the Merchant from the Identity. Onboarding runs KYB + underwriting and returns the merchant's state.

POST/v1/identities/{identity_id}/merchants

Provision a merchant for an identity.

curl -u "$YUSKER_KEY" "$YUSKER_BASE/identities/IDxxxx/merchants" \
  -H "Content-Type: application/json" -d '{}'
# -> { "id": "MUxxxx", "onboarding_state": "APPROVED", "processing_enabled": true }

Onboarding states

PROVISIONING — underwriting in progress.
APPROVED — the merchant can process payments (processing_enabled: true).
REJECTED — onboarding declined; inspect the reason and resubmit.

Checking status

GET/v1/merchants/{merchant_id}

Retrieve a merchant and its live processing state.

curl -u "$YUSKER_KEY" "$YUSKER_BASE/merchants/MUxxxx"
# -> { "id": "MUxxxx", "onboarding_state": "APPROVED", "processing_enabled": true, "identity": "IDxxxx" }

Per-venue pricing

Each merchant carries its own pricing profile — the platform fee (basis points + flat) you keep on every transfer. Set it at provisioning or update it later; see Transfers for how the fee is applied.

Authentication

Payment Instruments