Create application

mutation AcceptorApplicationCreate($input: AcceptorApplicationCreateInput!) {
  createAcceptorApplication(input: $input) {
    acceptorApplication {
      id
      applicationStatus
    }
    errors {
      ... on Error {
        message
        __typename
      }
    }
  }
}

{
  "input": {
    "applicationIdentity": {
      "businessName": "Maple Street Coffee"
    },
    "stakeholders": [
      {
        "addBusinessStakeholderInput": {
          "ownershipPercentage": 0.5,
          "roles": ["CONTROL_PERSON", "GUARANTOR"],
          "taxIdentificationNumber": {
            "type": "TIN",
            "value": "98-7654321"
          },
          "legalName": "Maple Street Coffee LLC",
          "businessName": "Maple Street Coffee",
          "legalAddress": {
            "address1": "456 Maple Street",
            "city": "Austin",
            "countryCode": "USA",
            "postalCode": "73301",
            "state": "TX"
          }
        }
      },
      {
        "addPersonStakeholderInput": {
          "residentialAddress": {
            "address1": "789 Cedar Ave",
            "city": "Portland",
            "countryCode": "USA",
            "postalCode": "97201",
            "state": "OR"
          },
          "birthDate": "1985-07-14",
          "identificationNumber": {
            "type": "SSN",
            "value": "123-45-6789"
          },
          "name": {
            "firstName": "Alex",
            "lastName": "Chen"
          },
          "ownershipPercentage": 0.5,
          "roles": ["CONTROL_PERSON", "GUARANTOR"]
        }
      }
    ]
  }
}

{
  "data": {
    "createAcceptorApplication": {
      "acceptorApplication": {
        "id": "60c66576-0caf-4dd1-8c66-fccae049f0fd",
        "applicationStatus": "CREATED"
      }
    }
  },
  "extensions": {
    "rateLimit": {
      "requestRate": 1,
      "remaining": 48,
      "retryAfterMs": 0,
      "resetAfterMs": 20
    }
  }
}

Start by calling the createAcceptorApplication mutation with the initial application details. If possible, provide all application details in this call. Note that this mutation does not perform validation on the application data - validation only occurs when you submit the application.

ScenarioA developer at Clearpath Payments is using Tesouro’s acquiring API to board Maple Street Coffee as a new sub-merchant acceptor. They’ll start with the basic business information and can add stakeholder details and bank accounts either in this initial call or through subsequent updates.

While you can create a minimal application and add details later, it’s more efficient to include as much information as possible in the initial createAcceptorApplication call to reduce the number of back and forth requests.

Next steps after creation After creating the application:

Add missing details: If you did not provide all required data in the initial createAcceptorApplication call, you can update application
Submit for processing: Once all required data is provided, submit application to begin underwriting

Required fields See the complete list of required fields for detailed information about all mandatory and conditional fields for acceptor applications.

mutation AcceptorApplicationCreate($input: AcceptorApplicationCreateInput!) {
  createAcceptorApplication(input: $input) {
    acceptorApplication {
      id
      applicationStatus
    }
    errors {
      ... on Error {
        message
        __typename
      }
    }
  }
}

{
  "input": {
    "applicationIdentity": {
      "businessName": "Maple Street Coffee"
    },
    "stakeholders": [
      {
        "addBusinessStakeholderInput": {
          "ownershipPercentage": 0.5,
          "roles": ["CONTROL_PERSON", "GUARANTOR"],
          "taxIdentificationNumber": {
            "type": "TIN",
            "value": "98-7654321"
          },
          "legalName": "Maple Street Coffee LLC",
          "businessName": "Maple Street Coffee",
          "legalAddress": {
            "address1": "456 Maple Street",
            "city": "Austin",
            "countryCode": "USA",
            "postalCode": "73301",
            "state": "TX"
          }
        }
      },
      {
        "addPersonStakeholderInput": {
          "residentialAddress": {
            "address1": "789 Cedar Ave",
            "city": "Portland",
            "countryCode": "USA",
            "postalCode": "97201",
            "state": "OR"
          },
          "birthDate": "1985-07-14",
          "identificationNumber": {
            "type": "SSN",
            "value": "123-45-6789"
          },
          "name": {
            "firstName": "Alex",
            "lastName": "Chen"
          },
          "ownershipPercentage": 0.5,
          "roles": ["CONTROL_PERSON", "GUARANTOR"]
        }
      }
    ]
  }
}

{
  "data": {
    "createAcceptorApplication": {
      "acceptorApplication": {
        "id": "60c66576-0caf-4dd1-8c66-fccae049f0fd",
        "applicationStatus": "CREATED"
      }
    }
  },
  "extensions": {
    "rateLimit": {
      "requestRate": 1,
      "remaining": 48,
      "retryAfterMs": 0,
      "resetAfterMs": 20
    }
  }
}

Query sponsor banks Update application

⌘I

Acceptor applications

Billing profiles

Stakeholders

Bank accounts

Create application