Businesses
The boarded legal entity and everything attached to it: create a business, manage its details, and add the people, bank accounts, addresses, and locations that make it review-ready.
The business is the anchor of onboarding. Everything else (its owners and signatories, bank accounts, addresses, and locations) belongs to that one business and is reached through its reusable id. This section covers how to create a business, manage its own details, and work with each part that hangs off it.
You can build a business two ways: as a Complete submission (the business and all its related information in one request) or Progressively (create the business with minimum information, then add each part as it becomes available). Both produce the same review-ready profile.
How the pieces fit together
The business is the anchor: accounts, places, services, and documents belong to it. People are added as Owners or Signatories, each backed by a shared Individual; you can also add an Individual on its own and link it as an owner or signatory later by its id.
graph TD
B([Business])
B --> PEOPLE[People]
B --> PLACES[Places]
B --> OPS[Accounts, services and documents]
PEOPLE --> OWN[Owners]
PEOPLE --> SIG[Signatories]
PLACES --> ADDR[Addresses]
PLACES --> LOC[Locations]
OPS --> BANK[Bank accounts]
OPS --> SVC[Services and features]
OPS --> DOC[Documents]
OWN -. links to .-> IND([Individual, shared and reusable])
SIG -. links to .-> IND
The resource map
Everything in one view: what each resource is, where it lives, and the id prefix PCE returns for it.
| Resource | Role | Path | id |
|---|---|---|---|
| Business | The legal entity, the anchor everything hangs off | /v1/businesses/{businessId} | bus_ |
| Individual | A person, shared and reusable across businesses | /v1/individuals/{individualId} | ind_ |
| Owner | Links an Individual as a beneficial owner | …/{businessId}/owners | own_ |
| Signatory | Links an Individual as an authorized signer | …/{businessId}/signatories | sig_ |
| Bank account | Funding, billing, or settlement instrument | …/{businessId}/bank-accounts | ba_ |
| Address | A business address | …/{businessId}/addresses | addr_ |
| Location | A site where the business operates (its own MID) | …/{businessId}/locations | loc_ |
| Services and features | Capabilities the business turns on | …/{businessId}/services | (none) |
| Documents | A file bound to the business | /v1/documents | doc_ |
In this section
Create the business and, optionally, its owners, bank accounts, addresses, locations, and services in one request.
Update the business's own details and close a business.
Add the beneficial owners and authorized signers, each backed by a shared Individual.
Attach the funding, billing, and settlement accounts a business uses.
Add and update the registered, mailing, and physical addresses of a business.
Add the sites where a business operates, each with its own processing profile and merchant ID.
See also
- Individuals: the shared people you link as owners and signatories
- Status lifecycle: how a business moves from creation through underwriting to live
Updated 1 day ago