Submit application

Once all required information is provided, call submitAcceptorApplication to validate and begin processing.

ScenarioA developer at Clearpath Payments has completed the Maple Street Coffee sub-merchant application with all business details, stakeholder information, and bank account details. They’re now ready to submit the application for underwriting review.

mutation SubmitAcceptorApplication($input: AcceptorApplicationSubmitInput!) {
  submitAcceptorApplication(input: $input) {
    acceptorApplication {
      applicationStatus
    }
    errors {
      ... on Error {
        message
        __typename
      }
    }
  }
}

{
  "input": {
    "id": "60c66576-0caf-4dd1-8c66-fccae049f0fd"
  }
}

Possible outcome: Validation passes If submitAcceptorApplication passes validation, underwriting begins automatically and you can expect the following field in the response:

applicationStatus is PROCESSING

Next step: Monitor the application status and review underwriting results once processing is complete

Response

{
  "data": {
    "submitAcceptorApplication": {
      "acceptorApplication": {
        "applicationStatus": "PROCESSING"
      },
      "errors": []
    }
  }
}

Possible outcome: Validation fails
If submitAcceptorApplication fails validation, the response will include an errors field describing the issues, and status field will be:

applicationStatus is SUBMISSION_INVALID

Next step: Gather necessary missing details and update application, then resubmit via submitAcceptorApplication.

Response

{
  "data": {
    "submitAcceptorApplication": {
      "acceptorApplication": {
        "applicationStatus": "SUBMISSION_INVALID"
      },
      "errors": [
        {
          "code": "INVALID_MERCHANT_CATEGORY_CODE",
          "message": "Invalid MerchantCategoryCode"
        },
        {
          "code": "INVALID_TELEPHONE_NUMBER",
          "message": "Service telephone number must be valid"
        },
        {
          "code": "INVALID_COUNTRY_CODE",
          "message": "Country code must be USA"
        },
        {
          "code": "INVALID_BUSINESS_ENTITY_TYPE",
          "message": "Business entity type must be set"
        },
        {
          "code": "INVALID_TAX_IDENTIFICATION_NUMBER",
          "message": "Tax identification number must be set to a valid SSN or TIN"
        },
        {
          "code": "INVALID_EMAIL_ADDRESS",
          "message": "Stakeholder email address must be valid"
        },
        {
          "code": "INVALID_TELEPHONE_NUMBER",
          "message": "Stakeholder telephone number must be valid"
        },
        {
          "code": "INVALID_EMAIL_ADDRESS",
          "message": "Stakeholder email address must be valid"
        },
        {
          "code": "INVALID_TELEPHONE_NUMBER",
          "message": "Stakeholder telephone number must be valid"
        },
        {
          "code": "INVALID_CHARGEBACK_PERCENTAGE",
          "message": "Chargeback Percentage must be greater than 0 and less than or equal to 100"
        },
        {
          "code": "INVALID_REFUND_RATE_PERCENTAGE",
          "message": "Refund Rate Percentage must be greater than 0 and less than or equal to 100"
        }
      ]
    }
  }
}

Possible outcome: System failure
If the submitAcceptorApplication mutation fails due to a system error, the response will include an errors field detailing the issue. The status field will be set as follows:

applicationStatus: SUBMISSION_FAILED

Next steps: Retry the request. If the error persists, contact Tesouro support for technical assistance.

Response

{
  "data": {
    "submitAcceptorApplication": {
      "acceptorApplication": {
        "applicationStatus": "SUBMISSION_FAILED"
      },
      "errors": [
        {
          "code": "INTERNAL_SERVICE_ERROR",
          "message": "An unexpected error occurred while processing your request."
        }
      ]
    }
  }
}

What to expect after submitting an application

Once you’ve submitted a valid application using submitAcceptorApplication, our system will automatically trigger the underwriting process. The underwriting results determine whether the application is:

Approved, No further action required
Action Required, Follow-up requirements will be shown in the underwriting results.

Although APIs are available to retrieve and review underwriting outcomes, most integrators will rely on the user interface provided by Tesouro.

Acceptor applications

Billing profiles

Stakeholders

Bank accounts

Submit application

What to expect after submitting an application

​What to expect after submitting an application

What to expect after submitting an application