Provisioning API

The Provisioning API helps you onboard new merchants into Jupico. It is built around three entities that work together in a fixed order:

• Applicant – the person responsible for the merchant application
• Application – the formal request to become a merchant, tied to the applicant
• Submerchant – the business that will process payments

The relationship always follows the same flow:

Applicant → Application → Submerchant

Each stage can have one-to-many relationships:

• A single Applicant can submit multiple Applications (for example, different business entities or locations).
• A single Application can lead to multiple Submerchants (for example, branches or operating units under the same application).

Both Applications and Submerchants remain in review status until approved by the Jupico Underwriting Team.

Step 1: Create an applicant

The first step is to register an Applicant.

See the Create Applicant Provisioning API Reference for endpoint details.

When you create an applicant, Jupico returns an identifier (applicantId). This ID must be included in the next step to link the applicant to their application.

Step 2: Create an application

With the applicant in place, you create an Application.

See the Create Application Provisioning API Reference for endpoint details.

• It is always tied back to the applicant using the applicantId.
• Depending on the type (individual, business, or government-public-corp), different identity details are required.
• Each application is assigned a unique smApplicationId.
• New applications start in review until underwriting completes their checks.

Step 3: Create a submerchant

After the application is created, the final step is to register the Submerchant.

See the Create Submerchant Provisioning API Reference for endpoint details.

• The submerchant is linked to its application using the smApplicationId.
• You provide business details such as legal name, tax information, address, expected monthly volume, and payout bank accounts.
• At least one valid payout bank account is required.
• Submerchants are created in review status and must be approved before they can process payments.

What Happens Next

When you complete all three steps:

1. Applicant (owner details)
2. Application (merchant request)
3. Submerchant (business profile)

The onboarding request is submitted to Jupico. Both the Application and Submerchant will remain in review status until they are approved. Once approved, the merchant can begin accepting payments.