Priority Commerce Engine

One integration for onboarding, payments, and treasury

Board merchants, accept payments, and move funds through a single set of APIs. Start in the sandbox, then promote the same integration to production.

Get started View API reference

Product sections

Each section carries its own guides, reference, and sandbox notes. Pick the part of the platform you are integrating first.

Entity Onboarding

Create businesses, collect owner and beneficial-owner detail, and track underwriting to an approved status.

Get StartedSubmit a business, track review, and receive the approval webhook.›

From API Reference — POST /businesses

{
  "legalName": "Bluebonnet Bakery LLC",
  "services": {
    "payin": {
      "card": {
        "enabled": true
      }
    }
  }
}

Submit your first business in the sandbox, watch it move through review, and receive the approval webhook.

Key ConceptsEntities, owners, and the fields underwriting checks against.›

From API Reference — GET /businesses/{id}

curl --request GET \
  --url https://sandbox-api.prioritycommerce.com/v1/businesses/{id} \
  --header 'accept: application/json'

An entity is the business being boarded. Owners and beneficial owners are the people attached to it.

Create a BusinessSubmit the entity payload with required owner detail.›

From API Reference — POST /businesses

{
  "legalName": "Bluebonnet Bakery LLC",
  "services": {
    "payin": {
      "card": {
        "enabled": true
      }
    }
  }
}

Submit legal name, structure, and owner detail. The response includes an entity id and review status.

Manage an EntityUpdate details, add owners, and re-submit for review.›

From API Reference — PATCH /businesses/{id}

{
  "tradeName": "Harbor & Pine Coffee Co.",
  "website": "https://www.harborandpinecoffee.com",
  "phone": "+15125550199"
}

PATCH an entity to update details or add an owner, then re-submit it for review.

Onboarding StatusesEvery state a business can hold, from submitted to approved.›

From API Reference — GET /businesses/{id}

curl --request GET \
  --url https://sandbox-api.prioritycommerce.com/v1/businesses/{id} \
  --header 'accept: application/json'

Every state a business can hold: submitted, in_review, approved, or rejected.

Developer Resources Introduction API Reference Error Handling

Open the guide

Accept Payments

Take card, ACH, and wallet payments, then handle authorization, capture, refund, and dispute.

Get StartedRun a test card through authorization, capture, and settlement.›

From API Reference — POST /checkout/v3/payment

{
  "amount": 59.99,
  "merchantId": 1000157980,
  "paymentType": "Sale",
  "tenderType": "Card",
  "cardAccount": {
    "token": "TR5KSPRZ5Z3BEJ7UEHBMSZKM12OHJ1D7"
  },
  "source": "API"
}

Run a test card through authorization and capture, then reconcile it against webhook events.

Payment MethodsCards, ACH, and wallets — which are supported and where.›

From API Reference — POST /checkout/v3/customercardaccount/{id}

{
  "alias": "Navy Credit Card",
  "name": "Alex Johnson",
  "code": "card",
  "number": "4100000000000126",
  "expiryMonth": "12",
  "expiryYear": "2030",
  "avsZip": "30068",
  "avsStreet": "2001",
  "cvv": "211",
  "isDefault": false
}

Cards, ACH, and wallets are each a payment_method on the payment object.

Create a PaymentAuthorize a charge, then capture or void it.›

From API Reference — POST /checkout/v3/payment

{
  "amount": 150.99,
  "merchantId": 1000157980,
  "paymentType": "Authorization",
  "authOnly": true,
  "tenderType": "Card",
  "cardAccount": {
    "token": "TR5KSPRZ5Z3BEJ7UEHBMSZKM12OHJ1D7"
  },
  "source": "API",
  "posData": {
    "cardholderPresence": "Present",
    "cardPresent": true,
    "deviceAttendance": "Attended",
    "deviceInputCapability": "KeyedOnly",
    "deviceLocation": "OnPremise",
    "panCaptureMethod": "Manual",
    "partialApprovalSupport": "Supported"
  }
}

Authorize a charge against a payment method, then capture or void it.

Refunds and DisputesIssue a refund and respond when a dispute is filed.›

From API Reference — POST /checkout/v3/payment

{
  "amount": -15,
  "merchantId": 1000150479,
  "originalPaymentId": 4000000004488123,
  "tenderType": "Card",
  "meta": "Partial refund - damaged item"
}

Issue a full or partial refund, and respond with evidence when a dispute is filed.

Payment StatusesEvery state a payment can hold, from authorized to settled.›

From API Reference — GET /checkout/v3/payment/{id}

curl --request GET \
  --url https://sandbox-api.prioritycommerce.com/v1/checkout/v3/payment/{id} \
  --header 'accept: application/json'

Every state a payment can hold, from authorized to settled, refunded, or disputed.

Developer Resources Introduction API Reference Webhooks

Open the guide

Treasury

Open accounts, fund them, and move money with ACH, wires, and internal transfers.

Get StartedFund a sandbox account and move your first transfer.›

From API Reference — POST /passport/v1/customer/{parentIdType}/{id}/account

{
  "purpose": "checking",
  "isCustomerOwned": true
}

Fund a sandbox account and move your first transfer.

Open an AccountCreate a ledger account and attach it to an entity.›

From API Reference — POST /passport/v1/customer/{parentIdType}/{id}/account

{
  "purpose": "checking",
  "isCustomerOwned": true
}

Create a ledger account and attach it to an entity.

Pay via ACHSend a credit, track submission, and handle returns.›

From API Reference — POST /passport/v1/customer/{parentIdType}/{customerId}/transaction

{
  "type": "REGULAR",
  "method": "ACH",
  "amount": "31",
  "source": {
    "account": {
      "id": 9913980
    }
  },
  "destination": {
    "contact": {
      "id": "4015450",
      "externalAccount": {
        "id": 4045289
      }
    }
  },
  "allowDuplicate": "true",
  "purpose": "test"
}

Send a credit from a funded account and handle returns when they arrive.

Move MoneyTransfer between two accounts you control.›

From API Reference — POST /passport/v1/customer/{parentIdType}/{customerId}/transaction

{
  "externalId": "E889459937363",
  "method": "BOOK",
  "amount": "101",
  "type": "REGULAR",
  "purpose": "Services",
  "source": {
    "account": {
      "id": 4005977
    }
  },
  "destination": {
    "account": {
      "id": "4005979"
    }
  },
  "allowDuplicate": "false"
}

Transfer between two accounts you control.

Sandbox TestingRouting numbers and amounts that trigger each outcome.›

From API Reference — POST /passport/v1/customer/{parentIdType}/{customerId}/externalAccount

{
  "externalId": "EID289742235111783196",
  "holderName": "Jon Francis",
  "holderPhone": "573-986-1372",
  "holderAddress": {
    "addressLine1": "999",
    "addressLine2": "GT1 KMB",
    "city": "Arizona",
    "state": "AZ",
    "zip": "85002"
  },
  "accountNumber": "558299892760001",
  "type": "SAVINGS",
  "routingNumber": "011000015",
  "wireRoutingNumber": "011000015",
  "holderType": "CONSUMER",
  "comment": "Jon account",
  "tags": [
    "Jon external acc"
  ],
  "metaData": {
    "label": "EA for Jon"
  },
  "validateAccount": [
    {
      "ews": true
    }
  ],
  "microDeposit": "NEVER",
  "prenote": "NEVER"
}

Routing numbers and amounts that trigger approval, insufficient funds, or a return.

Developer Resources Introduction API Reference Error Codes

Open the guide

Ready-to-launch solutions

Hosted products that sit on top of the same APIs when you would rather not build the surface yourself.

Priority Checkout

A hosted payment page you can theme and drop into an existing flow with a single redirect.

Explore Checkout

Priority Vault

Tokenized storage for cards and bank accounts, so sensitive data never touches your servers.

Explore Vault

Developer Resources

Introduction Getting Started Theming and Branding

Start with the tools

API Reference

Every endpoint, field, and response code, with live request samples.

Open the reference

Postman Collection

A pre-built workspace with sandbox credentials and example calls.

Open in Postman

Test data and sandbox

Values that trigger each approval, decline, and return scenario.

Card test data Sandbox simulation