> ## Documentation Index
> Fetch the complete documentation index at: https://docs.jupico.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create an additional-MID invite

> Creates an invite that adds a new submerchant for an existing applicant — an additional MID request. Optionally scope the invite to an existing application with `invitedToSmAppId`.



## OpenAPI

````yaml /openapi.json post /v1/onboardinginvites/addsubmerchant
openapi: 3.0.0
info:
  title: Jupico - OpenAPI 3.0
  description: >-
    The Jupico API lets Service Providers onboard merchants, process card and
    eCheck (ACH) payments, run hosted payment pages, manage recurring billing,
    send payouts, and query every resource. All endpoints use HTTPS with Basic
    authentication and accept and return JSON. Endpoints are grouped by
    workflow: onboard merchants first, then accept payments, then move funds and
    report.
  termsOfService: https://help.jupico.com/references-and-resources/legal
  contact:
    email: support@jupico.com
  license:
    name: Jupico License
    url: https://jupico.com
  version: 1.0.5
servers:
  - url: https://sandbox-platform.jupico.com
security:
  - basicAuth: []
tags:
  - name: Status
    description: Health check for the Jupico API.
  - name: Onboarding Invites
    description: >-
      Create and send invites that onboard merchants through the Jupico-hosted
      flow, with optional pre-filled identity, fees, and payout bank account
      data.
  - name: Provisioning
    description: >-
      Onboard merchants from your own UI. Collect onboarding data and submit it
      through the provisioning chain: applicant → application → submerchant.
  - name: Session
    description: >-
      Create browser authorization sessions for the Jupico web components, so
      card and bank account data is tokenized client-side and never touches your
      servers.
  - name: Tokenization
    description: >-
      Convert one-time tokens from the web components into permanent Jupico
      tokens, or tokenize raw card data if your systems are PCI DSS compliant.
  - name: Customer
    description: >-
      Create and manage customer records that payments, subscriptions,
      installments, and invoices link to.
  - name: Card Transactions
    description: >-
      Process credit and debit card transactions using tokenized card data:
      sale, authorization, capture, void, refund, and rollback.
  - name: eCheck Transactions
    description: >-
      Debit customer bank accounts via eCheck (ACH): sale, void, refund,
      rollback, and bank account tokenization.
  - name: Checkouts
    description: >-
      Hosted checkout sessions where customers complete payment on a
      Jupico-hosted page.
  - name: Payment Links
    description: >-
      Shareable links that open a Jupico-hosted payment page — no integration
      code needed at the point of sharing.
  - name: Invoices
    description: Create and email invoices that customers pay online.
  - name: Subscriptions
    description: >-
      Recurring billing. Plans define billing schedules and pricing models;
      subscriptions enroll customers against a stored payment token.
  - name: Installments
    description: Split a fixed total into scheduled payments with an optional deposit.
  - name: Payouts
    description: >-
      Send funds from a submerchant's available balance to a tokenized bank
      account with on-demand payout instructions.
  - name: Query
    description: >-
      Search and report across every resource: transactions, merchants,
      settlements, balances, disputes, fees, and more. All query endpoints
      accept the same filter, sort, and pagination envelope — see the Query
      Capabilities guide.
paths:
  /v1/onboardinginvites/addsubmerchant:
    post:
      tags:
        - Onboarding Invites
      summary: Create an additional-MID invite
      description: >-
        Creates an invite that adds a new submerchant for an existing applicant
        — an additional MID request. Optionally scope the invite to an existing
        application with `invitedToSmAppId`.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                spProductId:
                  type: string
                  example: '255'
                  description: The Service provider product reference.
                  maxLength: 100
                reference:
                  type: string
                  example: Reference 123
                  description: The invite reference.
                  maxLength: 100
                applicantId:
                  type: string
                  example: 682e0ef81da12ab7229dbf64
                  description: The aplicant reference
                invitedToSmAppId:
                  type: string
                  example: 682e176bbee4495f337a0464
                  description: Application reference to filter in the invite
                identity:
                  type: object
                  properties:
                    owners:
                      $ref: '#/components/schemas/Owner'
                    business:
                      $ref: '#/components/schemas/Business'
                    contact:
                      $ref: '#/components/schemas/Contact'
                  description: >-
                    The identity object containing data about the business and
                    its representatives
                payoutBankAccounts:
                  type: array
                  items:
                    type: object
                    properties:
                      accountRouting:
                        type: string
                        example: '123123122'
                        maxLength: 9
                        description: 9-digit ABA routing number.
                      accountNumber:
                        type: string
                        example: '8789545642'
                        minLength: 6
                        maxLength: 17
                        description: Bank account number.
                      accountType:
                        type: string
                        enum:
                          - checking
                        example: checking
                        maxLength: 20
                        description: Bank account type, such as `checking`.
                      nameOnAccount:
                        type: string
                        example: Updatedjonnydooeiacc
                        maxLength: 50
                        description: Name on the bank account.
                  description: Bank accounts where the merchant receives payouts.
                feesTemplateId:
                  description: >-
                    UUID of the fees template with predefined fees. If no value
                    is passed, the id of the default template will be used.
                  type: string
                  example: ''
                fees:
                  description: >-
                    The fees object will overwrite the values set on the fees
                    template, as specified by the feesTemplateId. This allows
                    for customization of fees at the invite overriding any
                    defaults defined in the template.
                  type: object
                  properties:
                    platform:
                      type: object
                      properties:
                        interchange:
                          type: object
                          properties:
                            enabled:
                              type: boolean
                              example: false
                              description: Whether this setting is enabled.
                            billTo:
                              type: string
                              enum:
                                - spProduct
                                - submerchant
                              example: spProduct
                              description: >-
                                Which party is billed for this fee: `spProduct`
                                (the Service Provider) or `submerchant` (the
                                merchant).
                          description: Interchange pass-through fee settings.
                        perTransaction:
                          type: object
                          properties:
                            ccCnpSale:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 2
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0.3
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each card-not-present sale.
                            ccCnpCapture:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 2
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0.3
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each card-not-present capture.
                            ccCnpAuth:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 2
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0.25
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: >-
                                Fee applied to each card-not-present
                                authorization.
                            ccCnpVoid:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each card-not-present void.
                            ccCnpRefund:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each card-not-present refund.
                            ccCnpCredit:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each card-not-present credit.
                            ccCnpReversal:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each card-not-present reversal.
                            ccCnpChargeback:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 25
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each chargeback.
                            ccCnpAvsOnly:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each AVS-only verification.
                            ccCnpDeclined:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.5
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: >-
                                Fee applied to each declined card-not-present
                                attempt.
                            checkSale:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 2.9
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0.3
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each eCheck sale.
                            checkVerification:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 0
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each eCheck verification.
                            checkVoid:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each eCheck void.
                            checkRefund:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each eCheck refund.
                            checkCredit:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each eCheck credit.
                            checkReversal:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each eCheck reversal.
                          description: >-
                            Event-based fees, one entry per transaction event
                            type.
                        perPeriod:
                          type: array
                          items:
                            type: object
                            properties:
                              period:
                                type: string
                                example: daily
                                enum:
                                  - today
                                  - yesterday
                                  - last-7-days
                                  - this-month
                                  - this-year
                                  - last-6-months
                                  - one-time
                                  - daily
                                  - weekly
                                  - monthly
                                  - quarterly
                                  - per-semester
                                  - annually
                                description: Billing period for this recurring fee.
                              fixed:
                                type: number
                                example: 3
                                description: >-
                                  Fixed fee amount charged each time this event
                                  occurs.
                              since:
                                type: string
                                format: date-time
                                example: '2025-08-01T03:00:00.000Z'
                                description: >-
                                  Start of the window during which this fee
                                  applies (ISO 8601).
                              until:
                                type: string
                                format: date-time
                                example: '2025-08-23T03:00:00.000Z'
                                description: >-
                                  End of the window during which this fee
                                  applies (ISO 8601).
                              status:
                                type: string
                                example: enabled
                                description: >-
                                  Whether this recurring fee is currently
                                  active.
                              isTriggerFirstTx:
                                type: boolean
                                example: false
                                description: >-
                                  When true, the recurring fee starts only after
                                  the merchant processes their first
                                  transaction.
                              isProrated:
                                type: boolean
                                example: true
                                description: Whether the first billing period is prorated.
                          description: >-
                            Recurring fees charged on a fixed schedule, such as
                            monthly service fees.
                      description: Fee configuration at the platform level.
                    spProduct:
                      type: object
                      properties:
                        interchange:
                          type: object
                          properties:
                            enabled:
                              type: boolean
                              example: false
                              description: Whether this setting is enabled.
                            billTo:
                              type: string
                              example: submerchant
                              description: >-
                                Which party is billed for this fee: `spProduct`
                                (the Service Provider) or `submerchant` (the
                                merchant).
                          description: Interchange pass-through fee settings.
                        perTransaction:
                          type: object
                          properties:
                            ccCnpSale:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 2
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0.3
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each card-not-present sale.
                            ccCnpCapture:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 2
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0.3
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each card-not-present capture.
                            ccCnpAuth:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 2
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0.25
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: >-
                                Fee applied to each card-not-present
                                authorization.
                            ccCnpVoid:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each card-not-present void.
                            ccCnpRefund:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each card-not-present refund.
                            ccCnpCredit:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each card-not-present credit.
                            ccCnpReversal:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each card-not-present reversal.
                            ccCnpChargeback:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 25
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each chargeback.
                            ccCnpAvsOnly:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each AVS-only verification.
                            ccCnpDeclined:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.5
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: >-
                                Fee applied to each declined card-not-present
                                attempt.
                            checkSale:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 2.9
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0.3
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each eCheck sale.
                            checkVerification:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                discountRate:
                                  type: number
                                  example: 0
                                  description: Percentage fee charged on the event amount.
                                fixed:
                                  type: number
                                  example: 0
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                              description: Fee applied to each eCheck verification.
                            checkVoid:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each eCheck void.
                            checkRefund:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each eCheck refund.
                            checkCredit:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each eCheck credit.
                            checkReversal:
                              type: object
                              properties:
                                billTo:
                                  type: string
                                  enum:
                                    - spProduct
                                    - submerchant
                                  example: spProduct
                                  description: >-
                                    Which party is billed for this fee:
                                    `spProduct` (the Service Provider) or
                                    `submerchant` (the merchant).
                                fixed:
                                  type: number
                                  example: 0.75
                                  description: >-
                                    Fixed fee amount charged each time this
                                    event occurs.
                                reverseFixed:
                                  type: boolean
                                  example: false
                                  description: >-
                                    Whether the fixed fee is returned when the
                                    underlying transaction is reversed.
                                reverseDiscountRate:
                                  type: boolean
                                  example: true
                                  description: >-
                                    Whether the percentage fee is returned when
                                    the underlying transaction is reversed.
                              description: Fee applied to each eCheck reversal.
                          description: >-
                            Event-based fees, one entry per transaction event
                            type.
                        perPeriod:
                          type: array
                          items:
                            type: object
                            properties:
                              period:
                                type: string
                                example: daily
                                enum:
                                  - today
                                  - yesterday
                                  - last-7-days
                                  - this-month
                                  - this-year
                                  - last-6-months
                                  - one-time
                                  - daily
                                  - weekly
                                  - monthly
                                  - quarterly
                                  - per-semester
                                  - annually
                                description: Billing period for this recurring fee.
                              fixed:
                                type: number
                                example: 3
                                description: >-
                                  Fixed fee amount charged each time this event
                                  occurs.
                              since:
                                type: string
                                format: date-time
                                example: '2025-08-01T03:00:00.000Z'
                                description: >-
                                  Start of the window during which this fee
                                  applies (ISO 8601).
                              until:
                                type: string
                                format: date-time
                                example: '2025-08-23T03:00:00.000Z'
                                description: >-
                                  End of the window during which this fee
                                  applies (ISO 8601).
                              status:
                                type: string
                                example: enabled
                                description: >-
                                  Whether this recurring fee is currently
                                  active.
                              isTriggerFirstTx:
                                type: boolean
                                example: false
                                description: >-
                                  When true, the recurring fee starts only after
                                  the merchant processes their first
                                  transaction.
                              isProrated:
                                type: boolean
                                example: true
                                description: Whether the first billing period is prorated.
                          description: >-
                            Recurring fees charged on a fixed schedule, such as
                            monthly service fees.
                      description: Fee configuration at the Service Provider product level.
                onboardingFlowTemplateId:
                  type: string
                  description: >-
                    UUID of the onboarding flow template to be used for the
                    onboarding experience.
                  example: ''
              example:
                spProductId: '255'
                reference: '1234'
                applicantId: 256cb1d53111090100000123
                invitedToSmAppId: 643ef0424e44b4f361999487
                identity:
                  owners:
                    - title: Mr.
                      firstName: jonny
                      middleName: eric
                      lastName: dooei
                      birthDate: '2000-08-01'
                      phoneNumber: '2232322323'
                      streetNum: '79'
                      streetName: clarks
                      city: ny
                      state: NY
                      postalCode: '23434'
                      ssn: '123123123'
                      ownershipPercentage: 100
                      email: mail_m@asd.com
              required:
                - name
                - email
      responses:
        '201':
          $ref: '#/components/responses/createOnboardingInvite'
        '400':
          description: Bad Request. Invalid input.
        '401':
          description: Unauthorized.
        '500':
          description: Internal Server Error.
components:
  schemas:
    Owner:
      type: array
      items:
        type: object
        properties:
          title:
            type: string
            enum:
              - Mr.
              - Ms.
              - Mrs.
            example: Mr.
            description: Title.
          firstName:
            type: string
            example: jonny
            description: First name.
          middleName:
            type: string
            example: eric
            description: Middle name.
          lastName:
            type: string
            example: dooei
            description: Last name.
          birthDate:
            type: string
            format: date
            example: '2000-08-01'
            description: Date of birth (YYYY-MM-DD).
          phoneNumber:
            type: string
            example: '2232322323'
            description: Phone number.
          streetNum:
            type: string
            example: '79'
            description: Street number.
          streetName:
            type: string
            example: clarks
            description: Street name.
          city:
            type: string
            example: ny
            description: City name.
          state:
            type: string
            enum:
              - AK
              - AL
              - AR
              - AZ
              - CA
              - CO
              - CT
              - DE
              - FL
              - GA
              - HI
              - IA
              - ID
              - IL
              - IN
              - KS
              - KY
              - LA
              - MA
              - ME
              - MD
              - MI
              - MN
              - MS
              - MO
              - MT
              - NC
              - ND
              - NE
              - NH
              - NJ
              - NM
              - NV
              - NY
              - OH
              - OK
              - OR
              - PA
              - RI
              - SC
              - SD
              - TN
              - TX
              - UT
              - VA
              - VT
              - WA
              - WI
              - WV
              - WY
            example: NY
            description: Two-letter US state code.
          postalCode:
            type: string
            example: '23434'
            description: ZIP or postal code.
          ssn:
            type: string
            example: '123123123'
            description: Social Security number, 9 digits.
          position:
            type: string
            enum:
              - OW
              - CEO
              - CFO
              - COO
              - PRESIDENT
              - VICE PRESIDENT
              - DIR
              - TR
              - SEC
              - PA
              - MEMBER LLC
              - OTH
              - SP
            description: |
              The position of the owner. Possible values are:
              - OW: Owner
              - CEO: Chief Executive Officer
              - CFO: Chief Financial Officer
              - COO: Chief Operating Officer
              - PRESIDENT: President
              - VICE PRESIDENT: Vice President
              - DIR: Director
              - TR: Treasurer
              - SEC: Secretary
              - PA: Partner
              - MEMBER LLC: Member of LLC
              - OTH: Other
              - SP: Sole Proprietorship
            example: CEO
          ownershipPercentage:
            type: integer
            example: 100
            description: Percentage of the business this owner holds (0-100).
          email:
            type: string
            format: email
            example: mail_m@asd.com
            description: Email address.
    Business:
      type: object
      properties:
        legalName:
          type: string
          example: testInvite
          description: Registered legal name of the business.
        dbaName:
          type: string
          example: testDBAInvite
          description: >-
            The merchant's doing-business-as name. Appears on customer
            statements unless overridden.
        federalTaxId:
          type: string
          example: '999999999'
          description: Federal tax ID, 9 digits.
        tinType:
          type: string
          enum:
            - SSN
            - EIN
            - Other
          example: SSN
          description: |
            The type of Tax Identification Number (TIN):
            - SSN (Social Security Number)
            - EIN (Employer Identification Number)
            - Other
        mccCode:
          type: string
          example: '5812'
          description: >-
            Four-digit merchant category code (MCC) that classifies the
            business.
        phoneNumber:
          type: string
          example: '2232322323'
          description: Phone number.
        address:
          type: object
          properties:
            streetNum:
              type: string
              example: '123'
              description: Street number.
            streetName:
              type: string
              example: main street
              description: Street name.
            city:
              type: string
              example: ny
              description: City name.
            state:
              type: string
              enum:
                - AK
                - AL
                - AR
                - AZ
                - CA
                - CO
                - CT
                - DE
                - FL
                - GA
                - HI
                - IA
                - ID
                - IL
                - IN
                - KS
                - KY
                - LA
                - MA
                - ME
                - MD
                - MI
                - MN
                - MS
                - MO
                - MT
                - NC
                - ND
                - NE
                - NH
                - NJ
                - NM
                - NV
                - NY
                - OH
                - OK
                - OR
                - PA
                - RI
                - SC
                - SD
                - TN
                - TX
                - UT
                - VA
                - VT
                - WA
                - WI
                - WV
                - WY
              example: NY
              description: Two-letter US state code.
            postalCode:
              type: string
              example: '22222'
              description: ZIP or postal code.
          description: Address details.
        websiteUrl:
          type: string
          format: uri
          example: https://www.sarasa.com
          description: Business website URL.
        ownershipType:
          type: string
          enum:
            - PublicCorporation
            - Government
            - PrivateCorporation
            - SoleProprietorship
            - LLC
            - Partnership
            - NonProfit
            - Trust
          example: PrivateCorporation
          description: Legal structure of the business.
        businessEstablishedDate:
          format: date-time
          example: '2023-11-02'
          description: 'Format: YYYY-MM-DD'
        expectedMonthlyVolume:
          type: integer
          example: 200
          description: Expected monthly processing volume, used in underwriting.
    Contact:
      type: object
      properties:
        firstName:
          type: string
          example: John
          description: First name.
        middleName:
          type: string
          example: Michael
          description: Middle name.
        lastName:
          type: string
          example: Doe
          description: Last name.
        birthDate:
          type: string
          format: date
          example: '1990-01-15'
          description: 'Format: YYYY-MM-DD'
        position:
          type: string
          example: CEO
          description: Role of the owner in the business.
        ssn:
          type: string
          example: 123-45-6789
          description: Social Security Number
        phoneNumber:
          type: string
          example: '5551234567'
          description: Phone number.
        email:
          type: string
          format: email
          example: john.doe@example.com
          description: Email address.
  responses:
    createOnboardingInvite:
      description: Onboarding invite successfully created.
      content:
        application/json:
          schema:
            type: object
            properties:
              success:
                type: boolean
                description: >-
                  Whether the request was processed successfully. Declines
                  return HTTP 200 with `success: false`.
              code:
                type: string
                description: Machine-readable result code. See the Error Codes reference.
              message:
                type: string
                description: Human-readable result message.
              data:
                type: object
                properties:
                  facId:
                    type: string
                    description: Facilitator identifier assigned by Jupico.
                  spProductId:
                    type: string
                    description: >-
                      Identifier of the Service Provider product the merchant
                      belongs to.
                  inviteId:
                    type: string
                    description: Unique identifier of the onboarding invite.
                  name:
                    type: string
                    description: Display name.
                  email:
                    type: string
                    description: Email address.
                  phoneNumber:
                    type: string
                    description: Phone number.
                  reference:
                    type: string
                    description: Your own reference for this invite.
                  url:
                    type: string
                    format: uri
                    description: URL of the hosted page for this object.
                  notifications:
                    type: object
                    properties:
                      email:
                        type: object
                        properties:
                          enabled:
                            type: boolean
                            description: Whether this setting is enabled.
                          sent:
                            type: boolean
                            description: Whether the notification was sent.
                        description: Email notification status.
                      sms:
                        type: object
                        properties:
                          enabled:
                            type: boolean
                            description: Whether this setting is enabled.
                          sent:
                            type: boolean
                            description: Whether the notification was sent.
                        description: SMS notification status.
                    description: Delivery status of invite notifications.
                  status:
                    type: string
                    description: Current status.
                  isDeleted:
                    type: boolean
                    description: Whether the record is soft-deleted.
                  identity:
                    type: object
                    properties:
                      owners:
                        type: array
                        items:
                          type: object
                          properties:
                            title:
                              type: string
                              description: Salutation of the owner (`Mr.`, `Ms.`, `Mrs.`).
                            firstName:
                              type: string
                              description: First name.
                            middleName:
                              type: string
                              description: Middle name.
                            lastName:
                              type: string
                              description: Last name.
                            birthDate:
                              type: string
                              format: date
                              description: Date of birth (YYYY-MM-DD).
                            phoneNumber:
                              type: string
                              description: Phone number of the owner.
                            streetNum:
                              type: string
                              description: Street number.
                            streetName:
                              type: string
                              description: Street name.
                            city:
                              type: string
                              description: City name.
                            state:
                              type: string
                              description: Two-letter US state code.
                            postalCode:
                              type: string
                              description: ZIP or postal code.
                            ssnLast4:
                              type: string
                              description: Last 4 digits of the owner's SSN.
                            ownershipPercentage:
                              type: integer
                              description: >-
                                Percentage of the business this owner holds
                                (0-100).
                            email:
                              type: string
                              description: Email address of the owner.
                        description: >-
                          Business owners. Required for individual and business
                          entity types.
                      business:
                        type: object
                        properties: {}
                        description: Business identity details.
                      Contact:
                        type: object
                        properties:
                          firstName:
                            type: string
                            example: John
                            description: First name.
                          middleName:
                            type: string
                            example: Michael
                            description: Middle name.
                          lastName:
                            type: string
                            example: Doe
                            description: Last name.
                          birthDate:
                            type: string
                            format: date
                            example: '1990-01-15'
                            description: 'Format: YYYY-MM-DD'
                          position:
                            type: string
                            example: CEO
                            description: Role of the owner in the business.
                          ssn:
                            type: string
                            example: 123-45-6789
                            description: Social Security Number
                          phoneNumber:
                            type: string
                            example: '5551234567'
                            description: Phone number.
                          email:
                            type: string
                            format: email
                            example: john.doe@example.com
                            description: Email address.
                        description: Primary contact details.
                    description: Identity details for the business and its owners.
                  feesTemplateId:
                    type: string
                    description: >-
                      UUID of a fees template with predefined pricing. If
                      omitted, the default template is used.
                  fees:
                    type: object
                    properties:
                      platform:
                        type: object
                        properties:
                          interchange:
                            type: object
                            properties:
                              enabled:
                                type: boolean
                                description: Whether this setting is enabled.
                              billTo:
                                type: string
                                description: >-
                                  Which party is billed for this fee:
                                  `spProduct` (the Service Provider) or
                                  `submerchant` (the merchant).
                            description: Interchange pass-through fee settings.
                          perTransaction:
                            type: object
                            properties:
                              ccCnpSale:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each card-not-present sale.
                              ccCnpCapture:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each card-not-present capture.
                              ccCnpAuth:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: >-
                                  Fee applied to each card-not-present
                                  authorization.
                              ccCnpVoid:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each card-not-present void.
                              ccCnpRefund:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each card-not-present refund.
                              ccCnpCredit:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each card-not-present credit.
                              ccCnpReversal:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each card-not-present reversal.
                              ccCnpChargeback:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each chargeback.
                              ccCnpAvsOnly:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each AVS-only verification.
                              ccCnpDeclined:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: >-
                                  Fee applied to each declined card-not-present
                                  attempt.
                              checkSale:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each eCheck sale.
                              checkVerification:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each eCheck verification.
                              checkVoid:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each eCheck void.
                              checkRefund:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each eCheck refund.
                              checkCredit:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each eCheck credit.
                              checkReversal:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                  billTo:
                                    type: string
                                    description: >-
                                      Which party is billed for this fee:
                                      `spProduct` (the Service Provider) or
                                      `submerchant` (the merchant).
                                description: Fee applied to each eCheck reversal.
                            description: >-
                              Event-based fees, one entry per transaction event
                              type.
                          perPeriod:
                            type: array
                            items: {}
                            description: >-
                              Recurring fees charged on a fixed schedule, such
                              as monthly service fees.
                        description: Fee configuration at the platform level.
                      spProduct:
                        type: object
                        properties:
                          perTransaction:
                            type: object
                            properties:
                              ccCnpSale:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                description: Fee applied to each card-not-present sale.
                              ccCnpCapture:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                description: Fee applied to each card-not-present capture.
                              ccCnpAuth:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                description: >-
                                  Fee applied to each card-not-present
                                  authorization.
                              ccCnpVoid:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                description: Fee applied to each card-not-present void.
                              ccCnpRefund:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                description: Fee applied to each card-not-present refund.
                              ccCnpCredit:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                description: Fee applied to each card-not-present credit.
                              ccCnpReversal:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                description: Fee applied to each card-not-present reversal.
                              ccCnpChargeback:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                description: Fee applied to each chargeback.
                              ccCnpAvsOnly:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                description: Fee applied to each AVS-only verification.
                              ccCnpDeclined:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                description: >-
                                  Fee applied to each declined card-not-present
                                  attempt.
                              checkSale:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                description: Fee applied to each eCheck sale.
                              checkVerification:
                                type: object
                                properties:
                                  discountRate:
                                    type: number
                                    description: >-
                                      Percentage fee charged on the event
                                      amount.
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                description: Fee applied to each eCheck verification.
                              checkVoid:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                description: Fee applied to each eCheck void.
                              checkRefund:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                description: Fee applied to each eCheck refund.
                              checkCredit:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                description: Fee applied to each eCheck credit.
                              checkReversal:
                                type: object
                                properties:
                                  fixed:
                                    type: number
                                    description: >-
                                      Fixed fee amount charged each time this
                                      event occurs.
                                  reverseFixed:
                                    type: boolean
                                    description: >-
                                      Whether the fixed fee is returned when the
                                      underlying transaction is reversed.
                                  reverseDiscountRate:
                                    type: boolean
                                    description: >-
                                      Whether the percentage fee is returned
                                      when the underlying transaction is
                                      reversed.
                                description: Fee applied to each eCheck reversal.
                            description: >-
                              Event-based fees, one entry per transaction event
                              type.
                          perPeriod:
                            type: array
                            items: {}
                            description: >-
                              Recurring fees charged on a fixed schedule, such
                              as monthly service fees.
                        description: >-
                          Fee configuration at the Service Provider product
                          level.
                    description: >-
                      Fee configuration. Overrides values from the fees
                      template.
                  onboardingFlowTemplateId:
                    type: string
                    description: >-
                      UUID of the onboarding flow template that controls which
                      steps the merchant sees.
                  expiresAt:
                    type: string
                    format: date-time
                    description: Timestamp when this object expires (ISO 8601).
                  payoutBankAccounts:
                    type: array
                    items: {}
                    description: Bank accounts where the merchant receives payouts.
                  createdAt:
                    type: string
                    format: date-time
                    description: Timestamp when the object was created (ISO 8601).
                  updatedAt:
                    type: string
                    format: date-time
                    description: Timestamp when the object was last updated (ISO 8601).
                description: The response payload.
  securitySchemes:
    basicAuth:
      type: http
      scheme: basic

````