Once a business is complete, boarding hands it to underwriting, the asynchronous review a business goes through before it can process payments. This section is the single home for how a business moves through boarding and how to resolve what underwriting still needs.

Track a business by reading it back; there are no status webhooks. Submit-time validation errors are covered in API Error Handling; the in-flight requirements and rejections that surface during review are covered here.

What to expect

Most businesses follow the same happy path. You create the business, add its owners, bank account, address, and location, then enable Accept Payments. PCE reports anything still outstanding on missingFields and missingDocuments. Once those clear, the service moves to PENDING_UNDERWRITING, and on approval the business becomes ACTIVE and can process payments.

A healthy, review-ready business looks like this:

• Every requirement is in place: exactly one control person, at least one location with its processing profile, a bank account, and any required documents.
• The services.payin.card service reports empty missingFields and empty missingDocuments.
• Its status has advanced to PENDING_UNDERWRITING, so it is waiting only on a decision.

When a business reaches that shape, there is nothing left for you to do but track it to ACTIVE. See Status lifecycle for how to read those fields and follow status.

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PENDING-PUBLISH

Typical underwriting turnaround time, approval-rate expectations, and any review SLA are set by product and underwriting policy, not the boarding contract. Confirm the specific numbers and publish them here. (Open question, owner: product.)

In this section

See also

• Businesses: the resources each status applies to
• Create a business: where the lifecycle begins