Acceptor application required fields

This page provides a comprehensive reference of all fields required for creating and submitting an acceptor application. Fields are categorized by section and marked as either mandatory, conditional (required under certain circumstances), or optional.

Applicant identity

Field Name	Description	Mandatory?	Validation Criteria
Acceptor Reference	The unique identifier provided by the transactor used to identify the Acceptor application.	No	String up to 50 characters
Acceptor Relationship Reference	Used to identify multiple acceptors that roll up to a broader relationship.	No
Acceptor Type	The type of acceptor.	Yes	Set to one of the possible selections: Biller, Merchant, Seller, Sponsored Merchant, Supplier, Wallet
Business Entity Type	The type of business	Yes	Set to one of the possible selections: Association, Cooperative, Corporation, Government, LLC, LLP, Partnership, Sole Proprietor, Other
Business Name	The descriptive name for the organization that is different from its legal entity name. Also known as “Doing Business As” (DBA), “trade name”, “assumed name”, or “fictitious name”.	Yes	Must be less than 22 characters in length.
Default Merchant Category Code	The default merchant category code for the acceptor.	Conditional	Required when multiple MerchantCategories are specified Must be a valid MCC Must be one of the values in the MerchantCategoryCode list
Merchant Categories	List of unique ISO four digit values used to classify merchants and their transactions into specific categories based on the type of business, trade or services supplied.	Yes	MCC code(s) must be valid
Is Known Acceptor	Indicates the acceptor is a known trusted acceptor.	Yes	Set to true when the acceptor is known and trusted.
Is Processing Statement	An indicator informing Tesouro when processing statements require review by the underwriter.	Yes	Set to true when processing statements require review.
Legal Entity Name	The official, registered name of a business that appears on legal documents, and used to identify the company legally by the government.	Yes	Can’t be empty or contain only whitespace Must be the owner’s name when Business Entity Type = ‘Sole Proprietor’
Service Telephone Number	The telephone number that is provided on the billing statement for service inquiries.	Yes	Must be in a valid format (ex. 111-222-3333)
Tax Identification Number Type	Type of tax identification number.	Yes	Set to one of the possible selections: EIN, SSN, TIN
Tax Identification Number	The tax identification number of the legal entity.	Yes	Must be set to a valid SSN or TIN.
Sponsor Bank ID	The unique identifier for the sponsor bank.	Yes
Bin Group ID	The unique identifier for the set of bins from the sponsor bank to use.	Yes
Transactor Type I Override	This overrides the transactor’s type when supplied.	No	Set to one of the possible selections: BPSP, CBPS, DWO, ISO, Marketplace, Payment Facilitator
Transactor Type II	The name of the referral partner.	No
Transactor Type III	Identifies any Gateways, POS software, or Fulfillment partners.	No
Website	The website address	No

Legal address

The physical location that the acceptor uses to identify itself for legal purposes.

Field Name	Description	Mandatory?	Validation Criteria
Address 1	The first line of the address.	Yes	A string up to 100 characters.
Address 2	The second line of the address.	No	A string up to 100 characters.
Address 3	The third line of the address.	No	A string up to 100 characters.
City	City, town, or village.	Yes	A string up to 100 characters.
State	State or province.	Yes	US states must be in their 2 character format defined here https://about.usps.com/who/profile/history/state-abbreviations.htm
Postal Code	A set of specific numbers, and sometimes letters, that help postal services deliver mail.	Yes	A string up to 15 characters.
Country	The ISO 3166-1 three-letter country code associated with the address.	Yes	Must be USA
Is Legal Address Same As Business Address	Provides the ability to copy the legal address as the business address.	No	The Boolean scalar type represents true or false.

Business address

The physical location that the acceptor uses to identify itself for operational and communication purposes.

Field Name	Description	Mandatory?	Validation Criteria
Address 1	The first line of the address.	Yes	A string up to 100 characters.
Address 2	The second line of the address.	No	A string up to 100 characters.
Address 3	The third line of the address.	No	A string up to 100 characters.
City	City, town, or village.	Yes	A string up to 100 characters.
State	State or province.	Yes	US states must be in their 2 character format defined here https://about.usps.com/who/profile/history/state-abbreviations.htm
Postal Code	A set of specific numbers, and sometimes letters, that help postal services deliver mail.	Yes	A string up to 15 characters.
Country Code	The ISO 3166-1 three-letter country code associated with the address.	Yes	Must be USA

Processing activity (card)

Field Name	Description	Mandatory?	Validation Criteria
Average Monthly Sales	The average gross sales amount.	Yes
Average Ticket	The average amount of a transaction.	Yes
Card Present Mix	The approximate mix of card present (CP) transactions.	Yes	Formatted as a decimal., e.g., If CP transactions make up 20% of total volume, input as 0.2.
Card Not Present Mix	The approximate mix of card-not-present (CNP) transactions.	Yes	Formatted as a decimal., e.g., If CNP transactions make up 80% of total volume, input as 0.8.
Chargeback Rate	The approximate rate of chargebacks.	Yes	Must be greater than 0 and less than or equal to 100. Formatted as a decimal., e.g., If the chargeback rate is 0.25%, input as 0.0025
Refund Rate	The approximate rate of refunds.	Yes	Must be greater than 0 and less than or equal to 100. Formatted as a decimal., e.g., If the refund rate is 10%, input as 0.1.
Currency	The currency specified on the transaction requests, in ISO 4217 alpha currency code format.	Yes	An ISO 4217 alpha currency code defined here https://en.wikipedia.org/wiki/ISO_4217
Highest Ticket Amount	The highest amount of a transaction.	Yes	The Decimal scalar type represents a decimal floating-point number.

Processing activity (bank transfer)

Field Name	Description	Mandatory?	Validation Criteria
Annual Bank Transfer Volume	The average annual bank transfer amount.	Conditional	Required if Bank Transfer service is enabled Should be greater than maximum daily bank transfer amount
Average Bank Transfer Ticket	The average bank transfer ticket amount.	Conditional	Required if Bank Transfer service is enabled Should be greater than 0
Bank Transfer Highest Ticket Amount	The highest bank transfer ticket amount.	Conditional	Required if Bank Transfer service is enabled Should be greater than average bank transfer ticket amount
Bank Transfer Return Rate	The approximate rate of returns	Conditional	Required if Bank Transfer service is enabled Should be greater than the unauthorized return rate Formatted as a decimal., e.g., If the chargeback rate is 0.25%, input as 0.0025
Bank Transfer Unauthorized Return Rate	The approximate rate of unauthorized returns.	Conditional	Required if Bank Transfer service is enabled Formatted as a decimal., e.g., If the chargeback rate is 0.25%, input as 0.0025
Max Daily Bank Transfer Total Amount	The maximum daily bank transfer total amount	Conditional	Required if Bank Transfer service is enabled Should be greater than the highest bank transfer ticket amount
Daily Bank Transfer Limit Amount	The daily amount limit for bank transfers.	Conditional	Required when the Bank Transfer service is enabled The Decimal scalar type represents a decimal floating-point number.

Stakeholder details

Field Name	Description	Mandatory?	Validation Criteria
Stakeholder Role	Indicates the role(s) of the identified stakeholder	Yes	Set to one or more of the possible selections: Authorized, Company, Control Person, Guarantor, Owner, Primary Contact A Sole Proprietor cannot have a “Company” listed as a stakeholder A Sole Proprietor must only have a single owner
First Name	The person’s first name.	Yes
Last Name	The person’s last name.	Yes
Middle Name	The person’s middle name.	No
Post Nominal	The person’s name post nominal.	No
Salutation	The person’s salutation.	No
Suffix	The person’s name suffix.	No
Legal Entity Name	The official, registered name of the company stakeholder that appears on legal documents, and used to identify the company legally by the government.	Conditional	Required if Stakeholder Role is Company
Ownership Percentage	The approximate ownership of the Acceptor that this owner holds.	Conditional	Required if Stakeholder Role is Owner A percentage, formatted as a decimal. e.g., 5.00% will be formatted as 0.05
Personal Identification Number Type	Type of personal identification number.	Conditional	Required if Stakeholder Role is Owner, Control Person, or Guarantor Set to one of the following selections: ITIN, Passport Number, SSN
Personal Identification Number	The personal identification number of the stakeholder.	Conditional	Required if Stakeholder Role is Owner, Control Person, or Guarantor
Date of Birth	Birth date of the stakeholder.	Yes	Can’t be in the future
Email Address	Email address of the stakeholder.	Yes	Must be in a valid format (ex. `test@gmail.com`)
Telephone Number	Telephone number of the stakeholder.	Yes	Must be in a valid format (ex. 111-222-3333)
Address 1	The first line of the address.	Conditional	Required if Stakeholder Role is Owner, Control Person, or Guarantor A string up to 100 characters.
Address 2	The second line of the address.	No	A string up to 100 characters.
Address 3	The third line of the address.	No	A string up to 100 characters.
City	City, town, or village.	Conditional	Required if Stakeholder Role is Owner, Control Person, or Guarantor A string up to 100 characters.
State	State or province.	Conditional	Required if Stakeholder Role is Owner, Control Person, or Guarantor US states must be in their 2 character format defined here https://about.usps.com/who/profile/history/state-abbreviations.htm
Postal Code	A set of specific numbers, and sometimes letters, that help postal services deliver mail.	Conditional	Required if Stakeholder Role is Owner, Control Person, or Guarantor A string up to 15 characters.
Country Code	The ISO 3166-1 three-letter country code associated with the address.	Conditional	Required if Stakeholder Role is Owner, Control Person, or Guarantor USA
IP Address	The IP address of the stakeholder.	No

Billing and funding

Field Name	Description	Mandatory?	Validation Criteria
Billing Profile ID	Id of the Billing Profile.	Yes
Allocation Overrides	Provides the ability to specify custom fee amounts or rates for specific allocations.	No
Billing Descriptor Name	The billing descriptor name.	Yes	Must be less than 22 characters in length.
Billing Descriptor Service Fee Name	The billing descriptor service fee name.	No
Financial Institution Name	Name of the institution where the bank account is held.	Yes
Name on Account	The name on the bank account.	Yes	must be less than or equal to 22 characters in length. Only letters A–Z, a-z, numbers 0–9, space, and &, -, ., / are allowed.
Account Owner Type	The type of the account owner.	Yes	Set to one of the possible selections: Consumer, Corporate
Bank Account Type	The type of the bank account	Yes	Set to one of the possible selections: Checking, Savings
Routing Number	The routing number of the bank account.	Yes	9 digits
Account Number	The bank account number.	Yes
Bank Account Fees Settlements	Defines allocations for the bank account.	Yes	Set to one of the possible selections: Fees Only, Settlement Only, Settlements and Fees
Acceptor Cutoff Time	The acceptor’s end-of-day time.	Yes	The LocalTime scalar type is a local time string (i.e., with no associated timezone) in 24-hr HH:mm:ss.
Timezone	The time zone of the acceptor, standardized by the Internet Assigned Numbers Authority (IANA).	Yes	Set to one of the possible selections: AMERICA_CHICAGO, AMERICA_DENVER, AMERICA_LOS_ANGELES, AMERICA_NEW_YORK

Services

Field Name	Description	Mandatory?	Validation Criteria
Visa Enable	Indicator to enable the service	Yes	When set to true, the partner is instructing Tesouro to enable the service.
Mastercard Enable	Indicator to enable the service	Yes	When set to true, the partner is instructing Tesouro to enable the service.
American Express OptBlue Enable	Indicator to enable the service	Yes	When set to true, the partner is instructing Tesouro to enable the service.
American Express Direct Enable	Indicator to enable the service	Yes	When set to true, the partner is instructing Tesouro to enable the service.
Service Establishment Number	The Service Establishment (SE) Number is a unique identifier assigned to the Acceptor for identification within the American Express network.	Conditional	Required when the Amex program is Direct.
Discover Acquired Enable	Indicator to enable the service	Yes	When set to true, the partner is instructing Tesouro to enable the service.
Discover Retained Enable	Indicator to enable the service	Yes	When set to true, the partner is instructing Tesouro to enable the service.
Discover Merchant Number	A unique identifier assigned to the Acceptor for identification within the Discover network.	Conditional	Required when the Discover program is Retained.
Bank Transfers Enable	Indicator to enable the service	Yes	When set to true, the partner is instructing Tesouro to enable the service.
Account Updater Enable	Indicator to enable the service	Yes	When set to true, the partner is instructing Tesouro to enable the service.

Acceptor applications

Billing profiles

Stakeholders

Bank accounts

Acceptor application required fields

Applicant identity

Legal address

The physical location that the acceptor uses to identify itself for legal purposes.

Business address

The physical location that the acceptor uses to identify itself for operational and communication purposes.

Processing activity (card)

Processing activity (bank transfer)

Stakeholder details

Billing and funding

Services

​Applicant identity

​Legal address

The physical location that the acceptor uses to identify itself for legal purposes.

​Business address

The physical location that the acceptor uses to identify itself for operational and communication purposes.

​Processing activity (card)

​Processing activity (bank transfer)

​Stakeholder details

​Billing and funding

​Services

Applicant identity

Legal address

Business address

Processing activity (card)

Processing activity (bank transfer)

Stakeholder details

Billing and funding

Services