> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tesouro.com/llms.txt
> Use this file to discover all available pages before exploring further.

# AcceptorApplication

> An acceptor application representing a merchant onboarding request, including identity, billing, services, and underwriting details.

`OBJECT`

An acceptor application representing a merchant onboarding request, including identity, billing, services, and underwriting details.

## Fields

<ResponseField name="stakeholders" type="[StakeholderOutput!]!" required>
  Stakeholder information. Optionally reveal sensitive fields for a specific stakeholder.

  <Expandable title="child attributes">
    <ResponseField name="emailAddress" type="String">
      The email address of the stakeholder.
    </ResponseField>

    <ResponseField name="id" type="UUID">
      A unique UUID created by Tesouro and assigned to the stakeholder.
    </ResponseField>

    <ResponseField name="ipAddress" type="String">
      The IP address of the stakeholder at the time of application submission.
    </ResponseField>

    <ResponseField name="ownershipPercentage" type="Percentage">
      The approximate ownership of the acceptor that this owner holds. Formatted as a decimal, e.g., If the owners holds 30%, input as 0.30
    </ResponseField>

    <ResponseField name="roles" type="[StakeholderRole!]">
      The roles this stakeholder holds in relation to the business, such as Owner or ControlPerson.

      See [StakeholderRole](/acquiring/reference/graphql/types/stakeholder-role)
    </ResponseField>

    <ResponseField name="sensitiveFields" type="StakeholderSensitiveFields">
      Sensitive fields that require special permissions to access.

      See [StakeholderSensitiveFields](/acquiring/reference/graphql/types/stakeholder-sensitive-fields)
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="applicationEvents" type="ApplicationEventCollection">
  The events associated with the application.

  <Expandable title="child attributes">
    <ResponseField name="items" type="[ApplicationEvent!]!" required>
      See [ApplicationEvent](/acquiring/reference/graphql/types/application-event)
    </ResponseField>

    <ResponseField name="pageInfo" type="PageInfo!" required>
      See [PageInfo](/acquiring/reference/graphql/types/page-info)
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="attachments" type="[Attachment!]!" required>
  The attachments associated with the application.

  <Expandable title="child attributes">
    <ResponseField name="fileName" type="String!" required>
      The name of the uploaded file.
    </ResponseField>

    <ResponseField name="id" type="UUID!" required>
      The unique identifier of the attachment.
    </ResponseField>

    <ResponseField name="size" type="Int">
      The size of the attachment in bytes.
    </ResponseField>

    <ResponseField name="uploadedBy" type="Actor">
      See [Actor](/acquiring/reference/graphql/types/actor)
    </ResponseField>

    <ResponseField name="uploadedDateTime" type="DateTime!" required>
      The date and time in UTC that this file was stored in the system.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="comments" type="[Comment!]!" required>
  The comments associated with the application.

  <Expandable title="child attributes">
    <ResponseField name="content" type="String">
      The text content of the comment.
    </ResponseField>

    <ResponseField name="createdBy" type="Actor">
      See [Actor](/acquiring/reference/graphql/types/actor)
    </ResponseField>

    <ResponseField name="createdDateTime" type="DateTime!" required>
      The date and time in UTC that this comment was created.
    </ResponseField>

    <ResponseField name="decisionComponent" type="DecisionComponent">
      See [DecisionComponent](/acquiring/reference/graphql/types/decision-component)
    </ResponseField>

    <ResponseField name="id" type="UUID!" required>
      The unique identifier of the comment.
    </ResponseField>

    <ResponseField name="lastUpdatedBy" type="Actor">
      The actor (user or app) who last updated this record

      See [Actor](/acquiring/reference/graphql/types/actor)
    </ResponseField>

    <ResponseField name="updatedDateTime" type="DateTime!" required>
      The last date and time this was updated in UTC.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="createdBy" type="Actor">
  The actor who created the application.

  <Expandable title="child attributes">
    <ResponseField name="name" type="String!" required />

    <ResponseField name="type" type="ActorType!" required>
      See [ActorType](/acquiring/reference/graphql/types/actor-type)
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="decisionComponents" type="[DecisionComponent!]!" required>
  The underwriting decision components for the application.

  <Expandable title="child attributes">
    <ResponseField name="attachments" type="[Attachment!]!" required>
      See [Attachment](/acquiring/reference/graphql/types/attachment)
    </ResponseField>

    <ResponseField name="comments" type="[Comment!]!" required>
      See [Comment](/acquiring/reference/graphql/types/comment)
    </ResponseField>

    <ResponseField name="hasAttachments" type="Boolean!" required />

    <ResponseField name="hasComments" type="Boolean!" required />

    <ResponseField name="id" type="UUID!" required>
      The unique identifier of the decision component.
    </ResponseField>

    <ResponseField name="items" type="[DecisionComponentItem!]!" required>
      See [DecisionComponentItem](/acquiring/reference/graphql/types/decision-component-item)
    </ResponseField>

    <ResponseField name="lastUpdatedBy" type="Actor">
      The actor (user or app) who last updated this record

      See [Actor](/acquiring/reference/graphql/types/actor)
    </ResponseField>

    <ResponseField name="schema" type="UnderwritingDecisionComponentSchema">
      See [UnderwritingDecisionComponentSchema](/acquiring/reference/graphql/types/underwriting-decision-component-schema)
    </ResponseField>

    <ResponseField name="status" type="DecisionComponentStatus">
      The current processing status of this decision component in the underwriting workflow.

      See [DecisionComponentStatus](/acquiring/reference/graphql/types/decision-component-status)
    </ResponseField>

    <ResponseField name="updatedDateTime" type="DateTime!" required>
      The last date and time this was updated in UTC.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="schema" type="UnderwritingDecisionComponentsSchema">
  The underwriting decision components schema for the application.

  <Expandable title="child attributes">
    <ResponseField name="createdDateTime" type="DateTime!" required>
      The date and time this was created in UTC.
    </ResponseField>

    <ResponseField name="id" type="UUID!" required>
      The unique identifier of the decision components schema.
    </ResponseField>

    <ResponseField name="underwritingDecisionComponentSchemas" type="[UnderwritingDecisionComponentSchema!]!" required>
      The individual component schemas that make up this decision components schema.

      See [UnderwritingDecisionComponentSchema](/acquiring/reference/graphql/types/underwriting-decision-component-schema)
    </ResponseField>

    <ResponseField name="version" type="String!" required>
      The version identifier of this decision components schema.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="updatedBy" type="Actor">
  The actor who updated the application.

  <Expandable title="child attributes">
    <ResponseField name="name" type="String!" required />

    <ResponseField name="type" type="ActorType!" required>
      See [ActorType](/acquiring/reference/graphql/types/actor-type)
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="acceptorId" type="UUID">
  The acceptor ID assigned during onboarding.
</ResponseField>

<ResponseField name="accountStatus" type="AccountStatus">
  Current boarding process status. Null if boarding has not started.

  <Expandable title="Possible enum values">
    <ResponseField name="ON_HOLD" type="enum">
      The onboarding process is temporarily paused, possibly due to missing information, compliance issues, or other reasons.
    </ResponseField>

    <ResponseField name="ONBOARDED" type="enum">
      The account has been successfully set up, and the customer is now fully onboarded and can start processing payments.
    </ResponseField>

    <ResponseField name="ONBOARDING" type="enum">
      The configuration of the acceptor account settings, including payment gateway parameters, merchant details, and transaction processing settings, is actively underway but has not yet been completed.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="applicationIdentity" type="AcceptorApplicationIdentityOutput">
  The identity information of the application.

  <Expandable title="child attributes">
    <ResponseField name="acceptorReference" type="String">
      The unique identifier used to identify the acceptor application.
    </ResponseField>

    <ResponseField name="acceptorRelationshipReference" type="String">
      An optional field that the Transactor would pass to potentially identify multiple Acceptors that roll up to a broader relationship.
    </ResponseField>

    <ResponseField name="acceptorType" type="AcceptorType">
      The type of the acceptor (e.g., MERCHANT, SPONSORED\_MERCHANT, etc.).

      See [AcceptorType](/acquiring/reference/graphql/types/acceptor-type)
    </ResponseField>

    <ResponseField name="businessAddress" type="AddressOutput">
      The address from where the applicant operates it business. This may or may not be different from the legal address.

      See [AddressOutput](/acquiring/reference/graphql/types/address-output)
    </ResponseField>

    <ResponseField name="businessEntityType" type="BusinessEntityType">
      The type of business, e.g., CORPORATION, LLC, SOLE\_PROPRIETOR, etc.

      See [BusinessEntityType](/acquiring/reference/graphql/types/business-entity-type)
    </ResponseField>

    <ResponseField name="businessName" type="String">
      The descriptive name for the applicant that may be different from its legal entity name. Also known as "Doing Business As" (DBA), "trade name", "assumed name", or "fictitious name". This name will appear on the cardholder's statement.
    </ResponseField>

    <ResponseField name="defaultMerchantCategoryCode" type="String">
      The default merchant category code for the acceptor.
    </ResponseField>

    <ResponseField name="isKnownAcceptor" type="Boolean!" required>
      Indicates the acceptor is a known trusted acceptor.
    </ResponseField>

    <ResponseField name="isLegalAddressSameAsBusinessAddress" type="Boolean">
      Indicates whether the legal address is the same as the business address.
    </ResponseField>

    <ResponseField name="isProcessingStatement" type="Boolean!" required>
      An indicator informing Tesouro when processing statements require review by the underwriter. True = requires review; False = does not require review.
    </ResponseField>

    <ResponseField name="legalAddress" type="AddressOutput">
      The registered legal address of the business entity.

      See [AddressOutput](/acquiring/reference/graphql/types/address-output)
    </ResponseField>

    <ResponseField name="legalEntityName" type="String">
      The legal company name.
    </ResponseField>

    <ResponseField name="merchantCategories" type="[MerchantCategoryOutput!]">
      A description of the merchant category used to classify businesses based on the goods or services they provide.

      See [MerchantCategoryOutput](/acquiring/reference/graphql/types/merchant-category-output)
    </ResponseField>

    <ResponseField name="sensitiveFields" type="AcceptorApplicationSensitiveFields">
      Sensitive fields that require special permissions to access.

      See [AcceptorApplicationSensitiveFields](/acquiring/reference/graphql/types/acceptor-application-sensitive-fields)
    </ResponseField>

    <ResponseField name="serviceTelephoneNumber" type="String">
      The customer service telephone number for the business.
    </ResponseField>

    <ResponseField name="softwareProviderNames" type="[String!]">
      The names of the software providers used by the applicant.
    </ResponseField>

    <ResponseField name="sponsorBank" type="SelectedSponsorBankOutput">
      The bank or financial institution holding the relationship with Tesouro to facilitate the movement of money and provide compliance oversight. Also known as the acquiring bank.

      See [SelectedSponsorBankOutput](/acquiring/reference/graphql/types/selected-sponsor-bank-output)
    </ResponseField>

    <ResponseField name="stateOfIncorporation" type="String">
      The U.S. state or jurisdiction in which the legal entity was incorporated or formed (2-character code).
    </ResponseField>

    <ResponseField name="taxIdentificationNumber" type="TaxIdentificationNumberOutput">
      The tax identification number of the legal entity.

      See [TaxIdentificationNumberOutput](/acquiring/reference/graphql/types/tax-identification-number-output)
    </ResponseField>

    <ResponseField name="transactorTypeII" type="String">
      The name of the referral partner, if present.
    </ResponseField>

    <ResponseField name="transactorTypeIII" type="[String!]">
      This identifies any Gateways, POS software, or Fulfillment partners.
    </ResponseField>

    <ResponseField name="transactorTypeIOverride" type="TransactorTypeI">
      This overrides the transactor's type when supplied.

      See [TransactorTypeI](/acquiring/reference/graphql/types/transactor-type-i)
    </ResponseField>

    <ResponseField name="websiteUrl" type="String">
      The applicant's website. If the applicant sells its products or services using ecommerce, then the website URL is required.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="applicationStatus" type="AcceptorApplicationStatus!" required>
  The status of the application.

  <Expandable title="Possible enum values">
    <ResponseField name="APPROVED" type="enum">
      The application has been approved, either automatically or manually. A processing account may now be created.
    </ResponseField>

    <ResponseField name="CREATED" type="enum">
      The application has been created but not yet submitted.
    </ResponseField>

    <ResponseField name="DECLINED" type="enum">
      The application has been rejected due to verification failures, compliance issues, or other disqualifying factors.
    </ResponseField>

    <ResponseField name="PENDING" type="enum">
      The application is awaiting manual review or requires additional information to complete the underwriting process.
    </ResponseField>

    <ResponseField name="PROCESSING" type="enum">
      The application is currently being evaluated by the system.
    </ResponseField>

    <ResponseField name="SUBMISSION_FAILED" type="enum">
      The application submission failed due to a system error. Error messaging has been returned.
    </ResponseField>

    <ResponseField name="SUBMISSION_INVALID" type="enum">
      The application submission failed due to missing or invalid data. Errors must be corrected before resubmission.
    </ResponseField>

    <ResponseField name="WITHDRAWN" type="enum">
      The application has been withdrawn by the applicant, transactor, or Tesouro. No further review or decision will occur.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="billingAndFunding" type="AcceptorApplicationBillingAndFundingOutput">
  The billing and funding information of the application.

  <Expandable title="child attributes">
    <ResponseField name="acceptorCutoffTime" type="LocalTime">
      The acceptor's end-of-day time in the provided timezone.
    </ResponseField>

    <ResponseField name="bankAccounts" type="[BankAccountOutput!]">
      Bank account information. Optionally reveal sensitive fields for a specific bank account.

      See [BankAccountOutput](/acquiring/reference/graphql/types/bank-account-output)
    </ResponseField>

    <ResponseField name="billingDescriptor" type="BillingDescriptorOutput">
      The billing descriptor information for the acceptor.

      See [BillingDescriptorOutput](/acquiring/reference/graphql/types/billing-descriptor-output)
    </ResponseField>

    <ResponseField name="billingProfileId" type="UUID">
      Id of the Billing Profile.
    </ResponseField>

    <ResponseField name="fundingProfileId" type="UUID">
      Id of the Funding Profile.
    </ResponseField>

    <ResponseField name="timezone" type="IanaTimezone">
      The time zone of the acceptor, standardized by the Internet Assigned Numbers Authority (IANA). IANA time zones follow this convention: {Area}/{Location}, where an area corresponds to a continent or an ocean and the location to a location within the continent.

      See [IanaTimezone](/acquiring/reference/graphql/types/iana-timezone)
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="cardAcceptorId" type="String">
  The card acceptor ID assigned during onboarding.
</ResponseField>

<ResponseField name="processingActivity" type="AcceptorApplicationProcessingActivityOutput">
  The process activity information of the application.

  <Expandable title="child attributes">
    <ResponseField name="averageAnnualSalesAmount" type="Decimal">
      The average annual sales amount, in the specified currency.
    </ResponseField>

    <ResponseField name="averageMonthlySalesAmount" type="Decimal">
      The average gross sales amount, in the specified currency.
    </ResponseField>

    <ResponseField name="averageTicketAmount" type="Decimal">
      The average amount of a transaction, in the specified currency.
    </ResponseField>

    <ResponseField name="cardNotPresentMix" type="Percentage">
      The approximate mix of card-not-present (CNP) transactions. Formatted as a decimal., e.g., If CNP transactions make up 80% of total volume, input as 0.8.
    </ResponseField>

    <ResponseField name="cardPresentMix" type="Percentage">
      The approximate mix of card present (CP) transactions. Formatted as a decimal., e.g., If CP transactions make up 20% of total volume, input as 0.2.
    </ResponseField>

    <ResponseField name="chargebackRate" type="Percentage">
      The approximate rate of chargebacks. Formatted as a decimal, e.g., If  the chargeback rate is 0.25%, input as 0.0025.
    </ResponseField>

    <ResponseField name="currency" type="CurrencyCodeAlpha">
      The currency specified on the transaction requests, in ISO 4217 alpha currency code format.
    </ResponseField>

    <ResponseField name="daysInCycle" type="Int">
      The number of days in the processing cycle.
    </ResponseField>

    <ResponseField name="exposure" type="DecimalAmount">
      The calculated potential exposure for the acceptor.
    </ResponseField>

    <ResponseField name="highestTicketAmount" type="Decimal">
      The highest amount of a transaction, in the specified currency.
    </ResponseField>

    <ResponseField name="refundRate" type="Percentage">
      The approximate rate of refunds. Formatted as a decimal, e.g., If  the refund rate is 10% of sales, input as 0.1
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="services" type="AcceptorApplicationServicesOutput">
  The desired services associated with the application.

  <Expandable title="child attributes">
    <ResponseField name="transactionProcessingService" type="TransactionProcessingServiceOutput">
      Services related to transaction processing.

      See [TransactionProcessingServiceOutput](/acquiring/reference/graphql/types/transaction-processing-service-output)
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="assignee" type="ApplicationAssignee">
  The user assigned to the application.

  <Expandable title="child attributes">
    <ResponseField name="assignedBy" type="AssignedByUser!" required>
      The user who made the assignment.

      See [AssignedByUser](/acquiring/reference/graphql/types/assigned-by-user)
    </ResponseField>

    <ResponseField name="assignedDateTime" type="DateTime!" required>
      The date and time when the assignment was made.
    </ResponseField>

    <ResponseField name="name" type="String!" required>
      The name of the assigned user.
    </ResponseField>

    <ResponseField name="userId" type="UUID!" required>
      The unique identifier of the assigned user.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="createdDateTime" type="DateTime!" required>
  The date and time when the application was created.
</ResponseField>

<ResponseField name="id" type="UUID!" required>
  The unique identifier of the application.
</ResponseField>

<ResponseField name="participants" type="[BoardingApplicationParticipant!]">
  The participants of the application.

  <Expandable title="child attributes">
    <ResponseField name="organization" type="Organization!" required>
      The organization that is participating in this application.

      See [Organization](/acquiring/reference/graphql/types/organization)
    </ResponseField>

    <ResponseField name="role" type="ApplicationParticipantRole!" required>
      The role this organization plays in the boarding application.

      See [ApplicationParticipantRole](/acquiring/reference/graphql/types/application-participant-role)
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="queue" type="WorkflowAssignment!" required>
  The queue the application is assigned to.

  <Expandable title="Possible enum values">
    <ResponseField name="PARTNER" type="enum">
      The workflow step is assigned to the partner or transactor, who must provide information or take action to proceed.
    </ResponseField>

    <ResponseField name="PROCESSOR" type="enum">
      The workflow step is assigned to the payment processor operations team for internal review or configuration.
    </ResponseField>

    <ResponseField name="UNDERWRITING" type="enum">
      The workflow step is assigned to the underwriting team for risk evaluation, manual review, or compliance assessment.
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="submissionAttemptedDateTime" type="DateTime">
  The date and time when the application submission was attempted.
</ResponseField>

<ResponseField name="submissionSuccessfulDateTime" type="DateTime">
  The date and time when the application was successfully submitted.
</ResponseField>

<ResponseField name="updatedDateTime" type="DateTime!" required>
  The date and time when the application was last updated.
</ResponseField>