> ## 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. # updateUnderwritingApplication > Update an underwriting application. `Mutation` ## Arguments The user to assign to this application. The unique identifier of the user to assign. The display name of the user to assign. Bank accounts associated with the underwriting application Input for adding a new bank account to an underwriting application. The account number of the bank account. The routing number of the bank account. Input for removing a bank account from an underwriting application. The ID of the bank account to remove. Input for updating an existing bank account on an underwriting application. The account number of the bank account. The ID of the bank account to update. The routing number of the bank account. Comments associated with the application Input for adding a new comment The comment text to add The decline reasons for this application. Maximum of four can be selected. Add a new decline code to the application. See [DeclineCode](/underwriting/reference/graphql/types/decline-code) Remove an existing decline code from the application. See [DeclineCode](/underwriting/reference/graphql/types/decline-code) The unique identifier of the underwriting application to update. Processing activity information for the underwriting application The advanced payment rate for the underwriting application. Formatted as a decimal. The average annual sales amount, in the specified currency. The average gross sales amount, in the specified currency. The average amount of a transaction, in the specified currency. 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. 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. The approximate rate of chargebacks. Formatted as a decimal, e.g., If the chargeback rate is 0.25%, input as 0.0025. The currency specified on the transaction requests, in ISO 4217 alpha currency code format. The number of days in the processing cycle. The delivery timeframe in days. The highest amount of a transaction, in the specified currency. The approximate rate of refunds. Formatted as a decimal, e.g., If the refund rate is 10% of sales, input as 0.1 Relationship-wide processing activity totals across all locations in the relationship, including this application The relationship-wide advanced payment rate across all locations, including this application. Formatted as a decimal. The average annual sales amount, in the specified currency. The average gross sales amount, in the specified currency. The average amount of a transaction, in the specified currency. 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. 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. The approximate rate of chargebacks. Formatted as a decimal, e.g., If the chargeback rate is 0.25%, input as 0.0025. The currency specified on the transaction requests, in ISO 4217 alpha currency code format. The number of days in the processing cycle. The relationship-wide delivery timeframe in days across all locations, including this application. The highest amount of a transaction, in the specified currency. The approximate rate of refunds. Formatted as a decimal, e.g., If the refund rate is 10% of sales, input as 0.1 Stakeholders associated with the application Add a new person stakeholder to the application. Required if roles includes "Owner", "ControlPerson", "Guarantor". Always supply a SSN or ITIN if available. Social Security Number. Passport number - only to be used when the person's address is outside of the United States. Individual Tax Identification Number. The personal identification number. The person's first name. The person's last name. The person's middle name. The person's name post nominal. The person's salutation. The person's name suffix. 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. The first line of the address. The second line of the address, if applicable. City, town, or village. The ISO 3166-1 three-letter country code associated with the address. See [CountryCode](/underwriting/reference/graphql/types/country-code) A set of specific numbers, and sometimes letters, that help postal services deliver mail. State or province. See [StakeholderRole](/underwriting/reference/graphql/types/stakeholder-role) Remove a person stakeholder from the application. A unique UUID created by Tesouro and assigned to the stakeholder. Update an existing person stakeholder in the application. A unique UUID created by Tesouro and assigned to the stakeholder. Required if roles includes "Owner", "ControlPerson", "Guarantor". Always supply a SSN or ITIN if available. Social Security Number. Passport number - only to be used when the person's address is outside of the United States. Individual Tax Identification Number. The personal identification number. The person's first name. The person's last name. The person's middle name. The person's name post nominal. The person's salutation. The person's name suffix. 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. The first line of the address. The second line of the address, if applicable. City, town, or village. The ISO 3166-1 three-letter country code associated with the address. See [CountryCode](/underwriting/reference/graphql/types/country-code) A set of specific numbers, and sometimes letters, that help postal services deliver mail. State or province. See [StakeholderRole](/underwriting/reference/graphql/types/stakeholder-role) The new status to set for the underwriting application. The application has been approved, either automatically or manually. The application has been rejected due to verification failures, compliance issues, or other disqualifying factors. The application is awaiting manual review or requires additional information to complete the underwriting process. The application has been withdrawn. Identity information for the underwriting application The type of the application (e.g., MERCHANT, SPONSORED\_MERCHANT, etc.). Mirrors AcceptorType values. See [ApplicantType](/underwriting/reference/graphql/types/applicant-type) The physical location that the acceptor uses to identify itself for operational and communication purposes. The first line of the address. The second line of the address, if applicable. City, town, or village. The ISO 3166-1 three-letter country code associated with the address. See [CountryCode](/underwriting/reference/graphql/types/country-code) A set of specific numbers, and sometimes letters, that help postal services deliver mail. State or province. The legal structure of a company, which determines its rights, liabilities, and taxation. e.g., LLC, Sole proprietor, C-Corp, etc. See [BusinessEntityType](/underwriting/reference/graphql/types/business-entity-type) 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". The default merchant category code for the underwriting application. Indicates the entity is a known trusted entity. Indicates that the legal address is the same as the business address. The physical location that the acceptor uses to identify itself for legal purposes. The first line of the address. The second line of the address, if applicable. City, town, or village. The ISO 3166-1 three-letter country code associated with the address. See [CountryCode](/underwriting/reference/graphql/types/country-code) A set of specific numbers, and sometimes letters, that help postal services deliver mail. State or province. The official, registered name of a business that appears on legal documents, and used to identify the company legally by the government. It is distinct from the "business name", "Doing Business As" (DBA), "trade name", "assumed name", and "fictitious name". Deprecated: Use defaultMerchantCategoryCode instead. Only a single merchant category code is supported for underwriting applications. **Deprecated:** Use defaultMerchantCategoryCode instead. This field will be removed in a future version. Unique ISO four digit value used to classify merchants and their transactions into specific categories based on the type of business, trade or services supplied. The telephone number of the organization that is provided on the billing statement for service inquiries. The names of the software providers used by the applicant. The U.S. state or jurisdiction in which the legal entity was incorporated or formed (2-character code). The tax identification number of the legal entity. Type of tax identification number. See [TaxIdentificationNumberType](/underwriting/reference/graphql/types/tax-identification-number-type) The tax identification number. The unique identifier used to identify the underwriting application. An optional field that the Transactor would pass to potentially identify multiple applications that roll up to a broader relationship. The website address for the applicant. ## Return type `UpdateUnderwritingApplicationPayload!` Errors that occurred during the mutation, if any. Null or empty indicates success. Represents a field-level validation error on a bank account within an underwriting application. The associated bank account id A static code for tying the response back programmatically See [UnderwritingApplicationBankAccountFieldValidationGraphQlErrorCode](/underwriting/reference/graphql/types/underwriting-application-bank-account-field-validation-graph-ql-error-code) The field that is invalid A helpful message to help fix the invalid value Represents a validation error on an underwriting application that is not specific to a single field. A static code for tying the response back programmatically. See [UnderwritingApplicationValidationErrorCode](/underwriting/reference/graphql/types/underwriting-application-validation-error-code) A helpful message to help fix the validation error. Represents a field-level validation error on an underwriting application. A static code for tying the response back programmatically. See [UnderwritingApplicationFieldValidationErrorCode](/underwriting/reference/graphql/types/underwriting-application-field-validation-error-code) The field that is invalid. A helpful message to help fix the invalid value. Represents a field-level validation error on a stakeholder within an underwriting application. A static code for tying the response back programmatically See [UnderwritingApplicationStakeholderFieldValidationErrorCode](/underwriting/reference/graphql/types/underwriting-application-stakeholder-field-validation-error-code) The field that is invalid A helpful message to help fix the invalid value The associated stakeholder ID See [CommonErrorCode](/underwriting/reference/graphql/types/common-error-code) See [CommonErrorCode](/underwriting/reference/graphql/types/common-error-code) See [CommonErrorCode](/underwriting/reference/graphql/types/common-error-code) See [CommonErrorCode](/underwriting/reference/graphql/types/common-error-code) See [CommonErrorCode](/underwriting/reference/graphql/types/common-error-code) The underwriting application that was created or updated. The events associated with the application. See [ApplicationEventCollection](/underwriting/reference/graphql/types/application-event-collection) The identity information of the application. See [UnderwritingApplicationIdentity](/underwriting/reference/graphql/types/underwriting-application-identity) The status of the application. See [UnderwritingApplicationStatus](/underwriting/reference/graphql/types/underwriting-application-status) The user assigned to the application. See [ApplicationAssignee](/underwriting/reference/graphql/types/application-assignee) The attachments associated with the application. See [Attachment](/underwriting/reference/graphql/types/attachment) Bank account information. Optionally reveal sensitive fields for a specific bank account. See [UnderwritingBankAccount](/underwriting/reference/graphql/types/underwriting-bank-account) The comments associated with the application. See [Comment](/underwriting/reference/graphql/types/comment) The actor who created the application. See [Actor](/underwriting/reference/graphql/types/actor) The date and time when the application was created. The underwriting decision components for the application. See [DecisionComponent](/underwriting/reference/graphql/types/decision-component) The decline reasons associated with the application. Empty when no reasons have been selected. See [DeclineReason](/underwriting/reference/graphql/types/decline-reason) A single dynamic field value looked up by the stable key of its root schema node, enabling field-style aliasing. Optionally scope to a decision-component item. See [UnderwritingDynamicField](/underwriting/reference/graphql/types/underwriting-dynamic-field) The dynamic field values captured on this application, assembled into the catalog's recursive shape. Optionally scope to a single decision-component item (e.g. one owner); omit to return the values across all decision-component items and the application level. See [UnderwritingDynamicField](/underwriting/reference/graphql/types/underwriting-dynamic-field) The unique identifier of the application. Information requests for this application. See [UnderwritingInformationRequest](/underwriting/reference/graphql/types/underwriting-information-request) The status of information requests for this application. See [UnderwritingApplicationInformationRequestStatus](/underwriting/reference/graphql/types/underwriting-application-information-request-status) The participants of the application. See [BoardingApplicationParticipant](/underwriting/reference/graphql/types/boarding-application-participant) The process activity information of the application. See [UnderwritingApplicationProcessingActivityOutput](/underwriting/reference/graphql/types/underwriting-application-processing-activity-output) The queue the application is assigned to. See [WorkflowAssignment](/underwriting/reference/graphql/types/workflow-assignment) The relationship-wide processing activity totals across all locations in the relationship, including this application. Null when not yet captured. See [RelationshipProcessingActivityOutput](/underwriting/reference/graphql/types/relationship-processing-activity-output) The underwriting decision components schema for the application. See [UnderwritingDecisionComponentsSchema](/underwriting/reference/graphql/types/underwriting-decision-components-schema) Stakeholder information. Optionally reveal sensitive fields for a specific stakeholder. See [StakeholderOutput](/underwriting/reference/graphql/types/stakeholder-output) The date and time when the application submission was attempted. The date and time when the application was successfully submitted. The actor who updated the application. See [Actor](/underwriting/reference/graphql/types/actor) The date and time when the application was last updated. ```graphql Operation lines expandable theme={null} mutation UpdateUnderwritingApplication($input: UnderwritingApplicationUpdateInput!) { updateUnderwritingApplication(input: $input) { errors { ... on UnderwritingApplicationBankAccountFieldValidationError { bankAccountId code field message } ... on UnderwritingApplicationValidationError { code message } ... on UnderwritingApplicationFieldValidationError { code field message } ... on UnderwritingApplicationStakeholderFieldValidationError { code field message stakeholderId } ... on ForbiddenError { advice code message } ... on InvalidActorError { advice code message } ... on InvalidOrganizationError { advice code message } ... on NotFoundError { advice code message resourceId resourceName } ... on ServerError { advice code message } } underwritingApplication { applicationEvents { } applicationIdentity { applicantType businessEntityType businessName isKnownEntity isLegalAddressSameAsBusinessAddress legalEntityName merchantCategoryCode serviceTelephoneNumber softwareProviderNames stateOfIncorporation underwritingReference underwritingRelationshipReference websiteUrl } applicationStatus assignee { assignedDateTime name userId } attachments { fileName id size uploadedDateTime } bankAccounts { accountNumberLast4 id routingNumber } comments { content createdDateTime id updatedDateTime } createdBy { name type } createdDateTime decisionComponents { hasAttachments hasComments id status updatedDateTime } declineReasons { code message } dynamicField { children decisionComponentItemId fieldValue id parentDynamicFieldId selectedVariantKey } dynamicFields { children decisionComponentItemId fieldValue id parentDynamicFieldId selectedVariantKey } id informationRequests { applicationId createdDateTime description fulfilledDateTime fulfillmentAttachmentIds fulfillmentResponse fulfillmentTypes id status title type updatedDateTime } informationRequestStatus participants { role } processingActivity { advancedPaymentRate averageAnnualSalesAmount averageMonthlySalesAmount averageTicketAmount cardNotPresentMix cardPresentMix chargebackRate currency daysInCycle deliveryTimeframe exposure highestTicketAmount refundRate } queue relationshipProcessingActivity { advancedPaymentRate averageAnnualSalesAmount averageMonthlySalesAmount averageTicketAmount cardNotPresentMix cardPresentMix chargebackRate currency daysInCycle deliveryTimeframe exposure highestTicketAmount refundRate } schema { createdDateTime id version } stakeholders { emailAddress id ipAddress ownershipPercentage roles } submissionAttemptedDateTime submissionSuccessfulDateTime updatedBy { name type } updatedDateTime } } } ``` ```json Variables lines expandable theme={null} { "input": { "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890" } } ``` ```bash cURL lines expandable theme={null} curl --request POST \ --url https://api.sandbox.com/graphql \ --header 'Content-Type: application/json' \ --header 'Authorization: Bearer ' \ --data '{ "query": "mutation UpdateUnderwritingApplication($input: UnderwritingApplicationUpdateInput!) {\n updateUnderwritingApplication(input: $input) {\n errors {\n ... on UnderwritingApplicationBankAccountFieldValidationError {\n bankAccountId\n code\n field\n message\n }\n ... on UnderwritingApplicationValidationError {\n code\n message\n }\n ... on UnderwritingApplicationFieldValidationError {\n code\n field\n message\n }\n ... on UnderwritingApplicationStakeholderFieldValidationError {\n code\n field\n message\n stakeholderId\n }\n ... on ForbiddenError {\n advice\n code\n message\n }\n ... on InvalidActorError {\n advice\n code\n message\n }\n ... on InvalidOrganizationError {\n advice\n code\n message\n }\n ... on NotFoundError {\n advice\n code\n message\n resourceId\n resourceName\n }\n ... on ServerError {\n advice\n code\n message\n }\n }\n underwritingApplication {\n applicationEvents {\n\n }\n applicationIdentity {\n applicantType\n businessEntityType\n businessName\n isKnownEntity\n isLegalAddressSameAsBusinessAddress\n legalEntityName\n merchantCategoryCode\n serviceTelephoneNumber\n softwareProviderNames\n stateOfIncorporation\n underwritingReference\n underwritingRelationshipReference\n websiteUrl\n }\n applicationStatus\n assignee {\n assignedDateTime\n name\n userId\n }\n attachments {\n fileName\n id\n size\n uploadedDateTime\n }\n bankAccounts {\n accountNumberLast4\n id\n routingNumber\n }\n comments {\n content\n createdDateTime\n id\n updatedDateTime\n }\n createdBy {\n name\n type\n }\n createdDateTime\n decisionComponents {\n hasAttachments\n hasComments\n id\n status\n updatedDateTime\n }\n declineReasons {\n code\n message\n }\n dynamicField {\n children\n decisionComponentItemId\n fieldValue\n id\n parentDynamicFieldId\n selectedVariantKey\n }\n dynamicFields {\n children\n decisionComponentItemId\n fieldValue\n id\n parentDynamicFieldId\n selectedVariantKey\n }\n id\n informationRequests {\n applicationId\n createdDateTime\n description\n fulfilledDateTime\n fulfillmentAttachmentIds\n fulfillmentResponse\n fulfillmentTypes\n id\n status\n title\n type\n updatedDateTime\n }\n informationRequestStatus\n participants {\n role\n }\n processingActivity {\n advancedPaymentRate\n averageAnnualSalesAmount\n averageMonthlySalesAmount\n averageTicketAmount\n cardNotPresentMix\n cardPresentMix\n chargebackRate\n currency\n daysInCycle\n deliveryTimeframe\n exposure\n highestTicketAmount\n refundRate\n }\n queue\n relationshipProcessingActivity {\n advancedPaymentRate\n averageAnnualSalesAmount\n averageMonthlySalesAmount\n averageTicketAmount\n cardNotPresentMix\n cardPresentMix\n chargebackRate\n currency\n daysInCycle\n deliveryTimeframe\n exposure\n highestTicketAmount\n refundRate\n }\n schema {\n createdDateTime\n id\n version\n }\n stakeholders {\n emailAddress\n id\n ipAddress\n ownershipPercentage\n roles\n }\n submissionAttemptedDateTime\n submissionSuccessfulDateTime\n updatedBy {\n name\n type\n }\n updatedDateTime\n }\n }\n}", "variables": { "input": { "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890" } } }' ``` ```json Response lines expandable theme={null} { "data": { "updateUnderwritingApplication": { "errors": [ { "__typename": "UnderwritingApplicationBankAccountFieldValidationError", "bankAccountId": "f47ac10b-58cc-4372-a567-0e02b2c3d479", "code": "FIELD_TOO_LONG", "field": "example", "message": "example" } ], "underwritingApplication": { "applicationEvents": { "items": [ "example" ], "pageInfo": "example" }, "applicationIdentity": { "applicantType": "BILLER", "businessAddress": "example", "businessEntityType": "ASSOCIATION", "businessName": "Clacksworth Keyboards", "isKnownEntity": true, "isLegalAddressSameAsBusinessAddress": true, "legalAddress": "example", "legalEntityName": "Clacksworth Keyboards LLC", "merchantCategoryCode": "example", "sensitiveFields": "example", "serviceTelephoneNumber": "+15551234567", "softwareProviderNames": [ "example" ], "stateOfIncorporation": "example", "taxIdentificationNumber": "example", "underwritingReference": "example", "underwritingRelationshipReference": "example", "websiteUrl": "https://clacksworth.com" }, "applicationStatus": "APPROVED", "assignee": { "assignedBy": "example", "assignedDateTime": "2026-01-15T14:30:00Z", "name": "Ben Torres", "userId": "c9a1e2d3-4b5f-6789-0abc-def123456789" }, "attachments": [ { "fileName": "business-license.pdf", "id": "d8b2f3e4-5c6a-7890-1bcd-ef2345678901", "size": 0, "uploadedBy": "example", "uploadedDateTime": "2026-01-15T14:30:00Z" } ], "bankAccounts": [ { "accountNumberLast4": "example", "id": "e7c3a4b5-6d7e-8901-2cde-f34567890123", "routingNumber": "example", "sensitiveFields": "example" } ], "comments": [ { "content": "Approved for mechanical keyboard accessories line.", "createdBy": "example", "createdDateTime": "2026-01-15T14:30:00Z", "decisionComponent": "example", "id": "b6d4e5f6-7a8b-9012-3def-456789012345", "lastUpdatedBy": "example", "updatedDateTime": "2026-01-15T14:30:00Z" } ], "createdBy": { "name": "Ben Torres", "type": "APP" }, "createdDateTime": "2026-01-15T14:30:00Z", "decisionComponents": [ { "attachments": [ "example" ], "comments": [ "example" ], "hasAttachments": true, "hasComments": true, "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890", "items": [ "example" ], "lastUpdatedBy": "example", "schema": "example", "status": "ACCEPTED", "updatedDateTime": "2026-01-15T14:30:00Z" } ], "declineReasons": [ { "code": "DEROGATORY_BANKING_RELATIONSHIP", "message": "example" } ], "dynamicField": { "children": [ "example" ], "decisionComponentItemId": "f47ac10b-58cc-4372-a567-0e02b2c3d479", "fieldValue": "example", "id": "c9a1e2d3-4b5f-6789-0abc-def123456789", "parentDynamicFieldId": "d8b2f3e4-5c6a-7890-1bcd-ef2345678901", "schema": "example", "selectedOptions": [ "example" ], "selectedVariant": "example", "selectedVariantKey": "example", "sensitiveField": "example" }, "dynamicFields": [ { "children": [ "example" ], "decisionComponentItemId": "e7c3a4b5-6d7e-8901-2cde-f34567890123", "fieldValue": "example", "id": "b6d4e5f6-7a8b-9012-3def-456789012345", "parentDynamicFieldId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890", "schema": "example", "selectedOptions": [ "example" ], "selectedVariant": "example", "selectedVariantKey": "example", "sensitiveField": "example" } ], "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479", "informationRequests": [ { "applicationId": "c9a1e2d3-4b5f-6789-0abc-def123456789", "createdBy": "example", "createdDateTime": "2026-01-15T14:30:00Z", "description": "example", "fulfilledBy": "example", "fulfilledDateTime": "2026-01-15T14:30:00Z", "fulfillmentAttachmentIds": [ "d8b2f3e4-5c6a-7890-1bcd-ef2345678901" ], "fulfillmentResponse": "example", "fulfillmentTypes": [ "DOCUMENT" ], "id": "e7c3a4b5-6d7e-8901-2cde-f34567890123", "status": "FULFILLED", "title": "example", "type": "ARTICLES_OF_INCORPORATION", "updatedDateTime": "2026-01-15T14:30:00Z" } ], "informationRequestStatus": "AWAITING_INFORMATION", "participants": [ { "organization": "example", "role": "BANK" } ], "processingActivity": { "advancedPaymentRate": 0.05, "averageAnnualSalesAmount": 0, "averageMonthlySalesAmount": 45000, "averageTicketAmount": 150, "cardNotPresentMix": 0.05, "cardPresentMix": 0.05, "chargebackRate": 0.05, "currency": "USD", "daysInCycle": 0, "deliveryTimeframe": 0, "exposure": 100000, "highestTicketAmount": 2500, "refundRate": 0.05 }, "queue": "PARTNER", "relationshipProcessingActivity": { "advancedPaymentRate": 0.05, "averageAnnualSalesAmount": 0, "averageMonthlySalesAmount": 45000, "averageTicketAmount": 150, "cardNotPresentMix": 0.05, "cardPresentMix": 0.05, "chargebackRate": 0.05, "currency": "USD", "daysInCycle": 0, "deliveryTimeframe": 0, "exposure": 100000, "highestTicketAmount": 2500, "refundRate": 0.05 }, "schema": { "createdDateTime": "2026-01-15T14:30:00Z", "id": "b6d4e5f6-7a8b-9012-3def-456789012345", "underwritingDecisionComponentSchemas": [ "example" ], "version": "example" }, "stakeholders": [ { "emailAddress": "ben@clacksworth.com", "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890", "ipAddress": "example", "ownershipPercentage": 0.05, "roles": [ "AUTHORIZED" ], "sensitiveFields": "example" } ], "submissionAttemptedDateTime": "2026-01-15T14:30:00Z", "submissionSuccessfulDateTime": "2026-01-15T14:30:00Z", "updatedBy": { "name": "Ben Torres", "type": "APP" }, "updatedDateTime": "2026-01-15T14:30:00Z" } } } } ```