--- title: "Update Merchant" method: PUT path: "/merchants/{merchant_id}" tags: ["Merchants"] --- # Update Merchant `PUT /merchants/{merchant_id}` ## Request - Base URL: `https://app-sandbox.resolvepay.com/api` - URL: `https://app-sandbox.resolvepay.com/api/merchants/{merchant_id}` - Auth: one of: - HTTP bearer - HTTP basic - TypeScript: (a function with typed inputs; its response is checked against the schema) Updates a sub-merchant belonging to the authenticated partner. For the **partner API** contract, `id` is immutable and cannot be updated via request payload. Post-underwriting restrictions apply once the latest underwriting decision has been finalized. Fields that are **not updateable** after underwriting is complete: - `legal_business_name` - `business_address` - `business_email` - `business_phone` - `entity_type` - `formation_state` - `ein` - `annual_revenue` - `years_in_business` - `industry` - `authorized_signer` - `bank_account_number` - `bank_routing_number` - `beneficial_owners` (existing owners are not editable) Fields that are **updateable** after underwriting is complete: - `dba_name` - `business_description` - `website` - `estimated_monthly_net_terms_volume` - `existing_net_terms_info` - `metadata` - `plaid_access_token` - `additional_beneficial_owners` (add-only) Validation for mutable request fields follows the same partner create rules for phone, EIN, US address fields, beneficial owner address fields, authorized signer phone, and banking inputs. This endpoint also supports optional inline document URL ingestion using the same `download_url` pattern as merchant create. If document arrays are provided (`bank_statements`, `financial_statements`, `credit_references`, `personal_guarantee`, `other_documents`), Resolve queues `download_url` ingestion jobs equivalent to the document endpoint. Merchant updates are not rolled back for inline document ingestion failures. Dispatch failures are surfaced per-item in `document_ingestion.results`, and the affected merchant document/file metadata is marked failed. ## Path parameters - `merchant_id` string, required ## Request body - UpdateMerchantRequest: All fields are optional for update requests. For merchants whose latest underwriting decision has been finalized, updates to core legal/identity/banking fields may be blocked. - `reference_id` string, nullable: Partner-supplied identifier for this merchant in your own system. Stored as provided and returned on every merchant response. Filter on it with `filter[reference_id][eq]=` when listing merchants. Values are not required to be unique across your merchants, are limited to 255 characters, and may not be blank. Send `null` to clear a previously stored value. - `legal_business_name` string - `business_address` Address - `line1` string, required - `line2` string, nullable - `city` string, required - `state` string, required - `postal_code` string, required - `country` string, required - `business_email` string, email - `business_phone` string: Business phone number. Must be a valid US phone number and is normalized to E.164. - `entity_type` 'corporation' | 'llc' | 'sole_proprietorship' | 'partnership' | 'non_profit' - `formation_state` string: Business formation state. Must map to a valid US state and is normalized to the state code. - `ein` string: Employer Identification Number. Must be a valid EIN format. - `dba_name` string - `annual_revenue` integer - `years_in_business` integer - `industry` string - `business_description` string - `website` string, uri - `estimated_monthly_net_terms_volume` integer - `existing_net_terms_info` object - `beneficial_owners` BeneficialOwner[]: Beneficial owner records. Existing owner records are not editable after underwriting is complete. - `first_name` string, required - `last_name` string, required - `date_of_birth` string, date, required - `address` Address, required - `line1` string, required - `line2` string, nullable - `city` string, required - `state` string, required - `postal_code` string, required - `country` string, required - `ssn_last_4` string, required - `ownership_percentage` number, double - `additional_beneficial_owners` BeneficialOwner[]: Add-only beneficial owner records for post-underwriting updates. - `first_name` string, required - `last_name` string, required - `date_of_birth` string, date, required - `address` Address, required - `line1` string, required - `line2` string, nullable - `city` string, required - `state` string, required - `postal_code` string, required - `country` string, required - `ssn_last_4` string, required - `ownership_percentage` number, double - `authorized_signer` AuthorizedSigner - `first_name` string - `last_name` string - `email` string, email - `title` string - `phone` string - `plaid_access_token` string: Plaid access token for connected banking data. - `bank_account_number` string: Bank account number. Must satisfy Resolve account-number validation. - `bank_routing_number` string: ABA routing number. Must be a valid routing number. - `metadata` object - `bank_statements` InlineDocumentDownloadRequest[]: Optional document ingestion on merchant update. Each item queues a background download job (equivalent to calling the document endpoint with `download_url`). - `filename` string, required: Original filename for the remote file. The filename must include an extension, and that extension must match `filetype`. - `filetype` string, required: MIME type for the remote file. Must be a supported MIME type for the merchant underwriting document validation profile. - `download_url` string, uri, required: Remote file URL. Only `http` and `https` URLs are accepted. - `financial_statements` InlineDocumentDownloadRequest[]: Optional inline `financial_statements` document ingestion requests. - `filename` string, required: Original filename for the remote file. The filename must include an extension, and that extension must match `filetype`. - `filetype` string, required: MIME type for the remote file. Must be a supported MIME type for the merchant underwriting document validation profile. - `download_url` string, uri, required: Remote file URL. Only `http` and `https` URLs are accepted. - `credit_references` InlineDocumentDownloadRequest[]: Optional inline `credit_references` document ingestion requests. - `filename` string, required: Original filename for the remote file. The filename must include an extension, and that extension must match `filetype`. - `filetype` string, required: MIME type for the remote file. Must be a supported MIME type for the merchant underwriting document validation profile. - `download_url` string, uri, required: Remote file URL. Only `http` and `https` URLs are accepted. - `personal_guarantee` InlineDocumentDownloadRequest[]: Optional inline `personal_guarantee` document ingestion requests. - `filename` string, required: Original filename for the remote file. The filename must include an extension, and that extension must match `filetype`. - `filetype` string, required: MIME type for the remote file. Must be a supported MIME type for the merchant underwriting document validation profile. - `download_url` string, uri, required: Remote file URL. Only `http` and `https` URLs are accepted. - `other_documents` InlineDocumentDownloadRequest[]: Optional inline `other` document ingestion requests. - `filename` string, required: Original filename for the remote file. The filename must include an extension, and that extension must match `filetype`. - `filetype` string, required: MIME type for the remote file. Must be a supported MIME type for the merchant underwriting document validation profile. - `download_url` string, uri, required: Remote file URL. Only `http` and `https` URLs are accepted. ## Response `200` A merchant object. - Merchant - `id` string: Resolve merchant identifier (lowercase alphanumeric). For partner API create flows, ID assignment behavior is: - Resolve may derive a human-friendly alphanumeric candidate from merchant naming fields. - If the candidate collides with an existing merchant ID, Resolve generates a random lowercase alphanumeric ID. - `reference_id` string, nullable: Partner-supplied identifier for this merchant in your own system. `null` when never set. - `legal_business_name` string - `dba_name` string, nullable - `business_address` Address - `line1` string, required - `line2` string, nullable - `city` string, required - `state` string, required - `postal_code` string, required - `country` string, required - `business_email` string, email - `business_phone` string - `entity_type` 'corporation' | 'llc' | 'sole_proprietorship' | 'partnership' | 'non_profit' - `formation_state` string - `industry` string, nullable - `website` string, uri, nullable - `underwriting_status` string: Current underwriting lifecycle status for the merchant. - `seller_amount_approved` integer, nullable: Merchant approved limit (MAL), when available. - `active_subscription` object, nullable - `id` string - `tier` string - `metadata` object - `document_ingestion` DocumentIngestionSummary - `requested_count` integer - `queued_count` integer - `failed_count` integer - `results` DocumentIngestionResult[] - `document_id` string, nullable - `document_type` 'bank_statements' | 'financial_statements' | 'credit_references' | 'personal_guarantee' | 'other' - `filename` string - `download_url` string, uri - `status` 'queued' | 'failed' - `error_code` string, nullable - `error_message` string, nullable - `created_at` string, date-time - `updated_at` string, date-time ## Other responses - `400`: Bad request error - `401`: Unauthorized error - `404`: Not found error - `429`: Rate limit error --- [API](https://skmtc.dev/resolvepay/apis/resolve-partners-api-reference.md) - [All operations](https://skmtc.dev/resolvepay/apis/resolve-partners-api-reference/llms.txt) - [OpenAPI document](https://skmtc.dev/resolvepay/apis/resolve-partners-api-reference/revisions/5a1c75b8b404?raw)