Onboarding

Onboarding refers to the process of bringing a new merchant or business onto a payment processing platform or network. It typically involves gathering information about the merchant such as Business name, Client type, Entity type, Address, Bank details and so on. With the help of onboarding , we can conclude whether the merchants are legitimate, financially stable, and pose an acceptable level of risk to the payment platform. Only the Mandatory fields are provided in the sample post parameters , Rest of the fields in the sample post parameters will be provided in the relevant menu ( KYC , Web Crawling , AML , NDI )

Onboarding

POST https://secctrl.tutelar.io/api/v1/onboarding-protect/create

Post parameters description is given below

Parameter	Type	Is Mandatory	Description
merchant_ref_id	String	Yes	It should be unique. It helps to identify the new merchant that comes from which client.
client_type	Object	Yes
entity_type	Object	Yes
business	Object	Optional Except (name and address)	If field verification is purchased, address field is mandatory
email	String	Yes
phone	String	Yes
mcc	Object	Yes
is_field_verify	Object	Optional

Sample Post Parameters

{
    "merchant_ref_id": "TUTSYED000001",
    "email": "[e-mail]",
    "phone": "7904694204",
    "name": "Syed",
    "reseller_trade_name": "Ahamed",
    "client_type": {
        "code": "O96ty9TSb",
        "name": "Airlines"
    },
    "entity_type": {
        "code": "YjbIvfvqr",
        "name": "Sole Proprietorship"
    },
    "business": {
        "name": "PLAYO",
        "address": "CHENNAI"
    },
    "mcc": {
        "mcc_id": "2zYroPJ75",
        "mcc_code": "1520",
        "mcc_desc": "General Contractors – Residential and Commercial",
        "risk_type": "low"
    },
    "is_field_verify": false
}

NDI

{
    "business": {
        "trade_name": "PLAYO",
        "registration_number": "0952598",
        "website_url": "https://nadinitradde.com",
        "pan": "ABCDE6689E",
        "gst": "33AAHCP1478L1Z6",
        "authorized": {
            "signatory_1": "syed",
            "signatory_2": "",
            "signatory_3": ""
        }
    },
    "bank_info": {
        "account_number": "1234567894563",
        "account_holder_name": "syed",
        "ifsc_code": "IFSC0423423",
        "bank_name": "kotak"
    },
    "bank_verification_status": true
}

KYC

{
    "business": {
        "pan": "CUTTY0987H",
        "gst": "33AAHCV5397D1U8",
        "aadhar": "909088183490"
    },
    "kyc_checks": {
        "name": "simplified"
    }
}

AML

{
    "business": {
        "pan": "ABCDE6689E",
        "postal_code": "600024",
        "gst": "33AAHCP1478L1Z6",
        "city": "Chennai",
        "state": "Tamilnadu",
        "country": "India",
        "authorized": {
            "signatory_1": "syed",
            "signatory_2": "",
            "signatory_3": ""
        }
    },
    "aml": {
        "date_of_birth": "22-01-1993",
        "date_of_registration": "01-03-1990",
        "nationality": "Indian"
    },
    "is_aml_enabled": true
}

WEB CRAWLING

{
    "business": {
        "trade_name": "Fintech",
        "website_url": "https://docs.tutelar.io/"
    },
    "crawling": {
        "is_checked": true,
        "type": "basic",
    }
}

200: Success Response

{
  "success": true,
  "message": "Merchant created successfully",
  "data": {
    "link_analysis_report": {
      "link_analysis_score": {
        "active_link": 20,
        "reject_link": 50,
        "search_link": 20
      },
      "search_instances": {
        "email": 38,
        "address": 38,
        "account_number": 38,
        "company_name": 38,
        "website_url": 28,
        "phone": 38,
        "pan": 38,
        "gst": 39,
        "registration_number": 38,
        "authorized_signatory_3": 38,
        "account_holder_name": 38,
        "authorized_signatory_1": 38,
        "authorized_signatory_2": 38
      },
      "reject_link": {
        "address": 2,
        "pan": 2,
        "account_holder_name": 2,
        "website_url": 2,
        "company_name": 2,
        "phone": 2,
        "email": 2,
        "gst": 2,
        "registration_number": 2,
        "account_number": 2,
        "authorized_signatory_1": 2,
        "authorized_signatory_2": 2,
        "authorized_signatory_3": 2
      },
      "active_link": {
        "company_name": 2,
        "phone": 2,
        "email": 2,
        "address": 2,
        "gst": 2,
        "pan": 2,
        "account_number": 2,
        "registration_number": 2,
        "authorized_signatory_1": 2,
        "account_holder_name": 2,
        "authorized_signatory_2": 2,
        "authorized_signatory_3": 2,
        "website_url": 1
      }
    },
    "negative_data_report": {},
    "merchant_ref_id": "FLIPKART22200",
    "consolidate_score": {
      "score": 90,
      "status": "high"
    },
    "priority_action": "reject",
    "searches": {
      "registration_number": {
        "search_id": "ZVVfsh0R0",
        "search_field_name": "registration_number",
        "search_field_value": "924355876577894334240",
        "no_of_search": 39,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "address": {
        "search_id": "PHGMxvij7",
        "search_field_name": "address",
        "search_field_value": "No. 2A, Annapoorni nagar, Ponniammanmedu, Chennai 600110. ",
        "no_of_search": 39,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "authorized_signatory_2": {
        "search_id": "P0yzBoxKe",
        "search_field_name": "authorized_signatory_2",
        "search_field_value": "Hari Prasad",
        "no_of_search": 39,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "pan": {
        "search_id": "PHLCoUIXD",
        "search_field_name": "pan",
        "search_field_value": "ABCDR1232F",
        "no_of_search": 39,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "authorized_signatory_1": {
        "search_id": "2f1kFfb1h",
        "search_field_name": "authorized_signatory_1",
        "search_field_value": "Sanjays Kumar",
        "no_of_search": 39,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "authorized_signatory_3": {
        "search_id": "YsoutjP2n",
        "search_field_name": "authorized_signatory_3",
        "search_field_value": "Farid E",
        "no_of_search": 39,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "account_number": {
        "search_id": "3icvbS5r5",
        "search_field_name": "account_number",
        "search_field_value": "833483423",
        "no_of_search": 39,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "website_url": {
        "search_id": "GfUVdB8gd",
        "search_field_name": "website_url",
        "search_field_value": "www.flipkart.com",
        "no_of_search": 29,
        "merchant_count": 3,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTDINE00002",
            "merchant_ref_id": "FLIPKART90400",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 16,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "email": {
        "search_id": "jaqTlDFwg",
        "search_field_name": "email",
        "search_field_value": "[e-mail]",
        "no_of_search": 40,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 6,
            "tag": "PA"
          }
        ]
      },
      "account_holder_name": {
        "search_id": "Ta54UrZDz",
        "search_field_name": "account_holder_name",
        "search_field_value": "FlipKart Pvt Ltd",
        "no_of_search": 39,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-09T17:59:37.440Z",
            "no_of_search": 4,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      },
      "gst": {
        "search_id": "KkQ1GYM0K",
        "search_field_name": "gst",
        "search_field_value": "27AAPFU0939F2ZV",
        "no_of_search": 40,
        "merchant_count": 4,
        "last_search": "2023-03-23T06:50:41.592Z",
        "merchants": [
          {
            "merchant_id": "TUTFRON00001",
            "merchant_ref_id": "FLIPKART96450",
            "name": "Frontend Vinay",
            "last_search": "2023-03-10T04:54:36.363Z",
            "no_of_search": 5,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTDINE00002",
            "name": "Dinesh",
            "last_search": "2023-03-17T10:45:54.012Z",
            "no_of_search": 22,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFARM00022",
            "name": "FARM FRESH MEATS",
            "last_search": "2023-03-17T10:54:51.637Z",
            "no_of_search": 8,
            "tag": "PA"
          },
          {
            "merchant_id": "TUTFIVE00017",
            "name": "Five Star Mobiles",
            "last_search": "2023-03-23T06:50:41.592Z",
            "no_of_search": 5,
            "tag": "PA"
          }
        ]
      }
    }
  }
}

401: Permission denied

{
    "message": "Invalid authentication credentials"
}

Failure Response

{
    "success": false,
    "message": "Merchant reference id already exist",
    "code": "failure"
}