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Partners API/
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Update Merchant

Update Merchant

Request

Updates a sub-merchant belonging to the authenticated partner.

For the partner API contract, id is immutable and cannot be updated via request payload.

Post-underwriting restrictions apply once the latest underwriting decision has been finalized.

Fields that are not updateable after underwriting is complete:

  • legal_business_name
  • business_address
  • business_email
  • business_phone
  • entity_type
  • formation_state
  • ein
  • annual_revenue
  • years_in_business
  • industry
  • authorized_signer
  • bank_account_number
  • bank_routing_number
  • beneficial_owners (existing owners are not editable)

Fields that are updateable after underwriting is complete:

  • dba_name
  • business_description
  • website
  • estimated_monthly_net_terms_volume
  • existing_net_terms_info
  • metadata
  • plaid_access_token
  • additional_beneficial_owners (add-only)

Validation for mutable request fields follows the same partner create rules for phone, EIN, US address fields, beneficial owner address fields, authorized signer phone, and banking inputs.

This endpoint also supports optional inline document URL ingestion using the same download_url pattern as merchant create. If document arrays are provided (bank_statements, financial_statements, credit_references, personal_guarantee, other_documents), Resolve queues download_url ingestion jobs equivalent to the document endpoint.

Merchant updates are not rolled back for inline document ingestion failures. Dispatch failures are surfaced per-item in document_ingestion.results, and the affected merchant document/file metadata is marked failed.

Security
bearerAuth or basicAuth
Path
merchant_idstringrequired

ID of the sub-merchant under your partner account.

Example:mrc_1234567890abcdef
Bodyapplication/jsonrequired

Request body for updating a partner sub-merchant.

reference_idstring or null, <= 255 characters

Partner-supplied identifier for this merchant in your own system.

Stored as provided and returned on every merchant response. Filter on it with filter[reference_id][eq]=<value> when listing merchants.

Values are not required to be unique across your merchants, are limited to 255 characters, and may not be blank. Send null to clear a previously stored value.

Example:"partner-crm-12345"
legal_business_namestring
business_addressobject(Address)
business_emailstring, (email)
business_phonestring

Business phone number. Must be a valid US phone number and is normalized to E.164.

entity_typestring
Enum:"corporation""llc""sole_proprietorship""partnership""non_profit"
formation_statestring

Business formation state. Must map to a valid US state and is normalized to the state code.

einstring

Employer Identification Number. Must be a valid EIN format.

dba_namestring
annual_revenueinteger
years_in_businessinteger, >= 0
industrystring
business_descriptionstring
websitestring, (uri)
estimated_monthly_net_terms_volumeinteger
existing_net_terms_infoobject
beneficial_ownersArray of objects(BeneficialOwner)

Beneficial owner records. Existing owner records are not editable after underwriting is complete.

additional_beneficial_ownersArray of objects(BeneficialOwner)

Add-only beneficial owner records for post-underwriting updates.

authorized_signerobject(AuthorizedSigner)
plaid_access_tokenstring

Plaid access token for connected banking data.

bank_account_numberstring

Bank account number. Must satisfy Resolve account-number validation.

bank_routing_numberstring

ABA routing number. Must be a valid routing number.

metadataobject
bank_statementsArray of objects(InlineDocumentDownloadRequest)

Optional document ingestion on merchant update. Each item queues a background download job (equivalent to calling the document endpoint with download_url).

financial_statementsArray of objects(InlineDocumentDownloadRequest)

Optional inline financial_statements document ingestion requests.

credit_referencesArray of objects(InlineDocumentDownloadRequest)

Optional inline credit_references document ingestion requests.

personal_guaranteeArray of objects(InlineDocumentDownloadRequest)

Optional inline personal_guarantee document ingestion requests.

other_documentsArray of objects(InlineDocumentDownloadRequest)

Optional inline other document ingestion requests.

curl -i -X PUT \
  https://docs.resolvepay.com/_mock/partners-api/openapi/merchants/mrc_1234567890abcdef \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "reference_id": "partner-crm-12345",
    "dba_name": "Acme Industrial",
    "business_description": "Industrial hardware distributor",
    "estimated_monthly_net_terms_volume": 350000,
    "metadata": {
      "account_owner": "partnerships-team"
    }
  }'

Responses

A merchant object.

Bodyapplication/json
idstring

Resolve merchant identifier (lowercase alphanumeric).

For partner API create flows, ID assignment behavior is:

  • Resolve may derive a human-friendly alphanumeric candidate from merchant naming fields.
  • If the candidate collides with an existing merchant ID, Resolve generates a random lowercase alphanumeric ID.
Example:"mrc_1234567890abcdef"
reference_idstring or null

Partner-supplied identifier for this merchant in your own system. null when never set.

Example:"partner-crm-12345"
legal_business_namestring
Example:"Acme Supply LLC"
dba_namestring or null
Example:"Acme Industrial"
business_addressobject(Address)
business_emailstring, (email)
Example:"ops@acmesupply.com"
business_phonestring
Example:"+15125550123"
entity_typestring
Enum:"corporation""llc""sole_proprietorship""partnership""non_profit"
Example:"llc"
formation_statestring
Example:"TX"
industrystring or null
Example:"Manufacturing"
websitestring or null, (uri)
Example:"https://acmesupply.com"
underwriting_statusstring

Current underwriting lifecycle status for the merchant.

Example:"pending"
seller_amount_approvedinteger or null

Merchant approved limit (MAL), when available.

Example:50000
active_subscriptionobject or null
metadataobject
document_ingestionobject(DocumentIngestionSummary)
created_atstring, (date-time)
Example:"2026-02-26T10:00:00.000Z"
updated_atstring, (date-time)
Example:"2026-02-26T10:05:00.000Z"
Response
{
  "id": "mrc_1234567890abcdef",
  "reference_id": "partner-crm-12345",
  "legal_business_name": "Acme Supply LLC",
  "dba_name": "Acme Industrial",
  "business_address": {
    "line1": "100 Main St",
    "city": "Austin",
    "state": "TX",
    "postal_code": "78701",
    "country": "US"
  },
  "business_email": "ops@acmesupply.com",
  "business_phone": "+15125550123",
  "entity_type": "llc",
  "formation_state": "TX",
  "underwriting_status": "pending",
  "seller_amount_approved": 0,
  "active_subscription": {
    "id": "sub_1234567890abcdef",
    "tier": "trial"
  },
  "metadata": {
    "partner_reference": "mt-merchant-1029"
  },
  "created_at": "2026-02-26T10:00:00.000Z",
  "updated_at": "2026-02-26T10:00:00.000Z"
}