# Merchants

A `Merchant` resource represents the entity's merchant account on a processor. Your `Merchant` must be `APPROVED` to process payments. <br/><br/> Related Guides: [Getting Started](/guides/getting-started), [Onboarding Sellers](/guides/platform-payments/onboarding-sellers)


## Create a Merchant

 - [POST /identities/{identity_id}/merchants](https://docs.finix.com/api/merchants/createmerchant.md): Create a  to start the underwriting (also called provisioning) process for your seller.  must be created under an .

A bank account must be associated with the previously created  before a  can be successfully onboarded and verified.


## List Merchants

 - [GET /merchants](https://docs.finix.com/api/merchants/listmerchants.md): Retrieve a list of .

For details on how to query endpoints using the available parameters, see Query Parameters.      

## Fetch a Merchant

 - [GET /merchants/{merchant_id}](https://docs.finix.com/api/merchants/getmerchant.md): Retrieve the details of a .

## Update a Merchant

 - [PUT /merchants/{merchant_id}](https://docs.finix.com/api/merchants/updatemerchant.md): Update a  to: 
- Change the  information saved with the underlying processor
- Enable Level 2/3 processing
- Enable Buyer Charges
- Enable partial authorizations
- Disable a  so the seller can't create new  and 
- Disable a  so their  cannot be approved.
- Terminate a  for suspected fraud, compliance violations, excessive chargebacks, or merchant churn.


## Verify a Merchant

 - [POST /merchants/{merchant_id}/verifications](https://docs.finix.com/api/merchants/createmerchantverification.md): Create a  on a Merchant to get them Approved. This request will create a new  Verification. Listen to updates and re-fetch the Verification when it is  or .

For handling  Verifications, see Fetch a Verification. See also Onboarding Process for Seller Merchants and Verification Requirements for Payouts for Recipient Merchants.