Every business you create is validated as a whole before PCE saves it. This page owns the rules that shape a create payload: the KYB rules each businessType must satisfy, and the submit-time checks PCE runs atomically. The exact messages these produce are on API Error Handling; requirements judged later in review are on Underwriting exceptions.

Submit-time validation

PCE validates the whole graph atomically at create time. If any check fails, the request returns an error and no business is created. Common submit-time checks:

• Required fields present and correctly typed.
• businessType-specific KYB rules (tax ID type, ownership totals, control person). See KYB rules below.
• Each location has an MCC and a cardMix totaling 100%.
• Bank routing/account numbers are well-formed.

Requirements that can only be judged during underwriting surface after creation on each service's missingFields, missingDocuments, and errors, and via status. See Status lifecycle and API Error Handling.

KYB rules that shape a payload

A few fields drive the validations PCE enforces at create time:

1. Business type (businessType). The master switch: it sets which tax-ID type and ownership rules a business must satisfy.

   Business type	Rule
   Corporations, S-corps, LLCs, LLPs, partnerships	Tax ID type must be EIN.
   Partnerships	Total beneficial-owner ownership must be at least 50%.
   Sole proprietor / single-member LLC	The non-guarantor owner holds 100% and any guarantor 0%; the control person's tax ID must match the business tax ID when both are SSN/ITIN.
   Government, non-profit, 501(c)(3)	Beneficial-owner ownership must be 0.

2. Control person (isControlPerson). Exactly one owner or signatory across the business must be the control person, independent of how much they own.

3. Identity (taxId and governmentIds). Every owner and signer needs a primary ID (SSN or ITIN) plus a secondary government ID. Sole proprietors and single-member LLCs may use an SSN or ITIN as the business tax ID, and owners and signers may have non-US addresses.

4. Location (industry and cardMix). Each location needs an MCC (industry) and a cardMix totaling 100%.

See API Error Handling for the exact messages these rules produce.

See also

• Create a business: the composite create these rules validate
• API Error Handling: the submit-time messages each rule produces
• Underwriting exceptions: requirements judged in review, after creation
• Owners & signatories: the people the identity and control-person rules apply to