Seller Onboarding Forms
Save time onboarding sellers by using our Onboarding Forms.
Finix's low-code / no-code Onboarding Forms are a fast and flexible way to onboard your sellers. Creating and filling out the form takes just minutes, helping your sellers start processing payments as fast as possible. You can create an Onboarding Form directly from Finix's dashboard, as well as with our APIs.
Finix's Onboarding Forms are purpose-built to make onboarding your sellers as easy as possible:
- Low-code / no-code: send an Onboarding Form to your seller immediately, with no technical integrations.
- White-labeled experience: customize our Onboarding Form with your company's name, logo, and colors.
- Prefill information: prefill as much information as you want, saving your sellers time.
- Multi-country support: our Onboarding Forms support boarding both American and Canadian sellers.
- Save progress: our Onboarding Forms save your sellers' progress, should they need more time.
- Updating information: our Onboarding Forms are editable, should we request updates during onboarding.
Onboarding Form Data
Our Onboarding Forms collect 5 key pieces of data from your sellers:
- Seller consent: Finix collects your sellers' consent to both Finix's terms as well as your own terms.
- Business information: Finix collects data about your seller's business, such as their business name.
- Owner information: Finix collects data about your seller's control person, such as their personal name.
- Processing information: Finix collects data about your seller's processing information, such as volumes.
- Bank account information: Finix collects details about your seller's bank account for their payouts.
Managing Onboarding Forms with Finix's Dashboard
Branding Onboarding Forms
Finix lets you brand your Onboarding Forms with your company's name, logo, and colors. To apply your branding, visit Settings > Company > Dashboard Settings > Onboarding Forms on your Finix dashboard. From there, you can set your business name, the logo to use on the form's header, and the color to use for the form's header. You can preview your branding by creating an Onboarding Form in your Sandbox account, or refreshing an existing Onboarding Form.
By default, our Onboarding Form is branded dark blue with no logo. For more information, see White Labeling and Customizing Finix Dashboards.
Creating Onboarding Forms
To create an Onboarding Form with Finix's dashboard, visit Merchants > Onboarding Forms and select Create New Form. From there, we will collect these details to create the form:
| Field | Description |
|---|---|
| Country | Your merchant's business country |
| Merchant Name | Your merchant's business name |
| Link Expiration Time (Days) | Time until your Onboarding Form expires |
| Fee URL | Link to webpage explaining your payment processing fees |
| Return URL | Link to webpage for your merchants to route after completing their Onboarding Form |
| Terms of Service URL | Link to webpage with your Terms of Service |
| Expired Session URL | Link to webpage for your merchants to route should the Onboarding Form expire |
| Max Transaction Amount (Card) | Maximum transaction amount for your merchant's card payment processing |
| Max Transaction Amount (ACH) | Maximum transaction amount for your merchant's ACH payment processing |
| Payment Processor | Payment processor for your merchant's processing |
After creating the Onboarding Form, copy the link to send to your merchant. That's it – your merchant is ready to apply to Finix, with no additional action from your team. Once your merchant submits their Onboarding Form, Finix will create their Merchant account and review their information.
Presetting your Onboarding Form Settings
You can preset most fields required to create an Onboarding Form, making it easy to create forms quickly:
- Link Expiration Time (Days)
- Fee URL
- Return URL
- Terms of Service URL
- Expired Session URL
- Max Transaction Amount (Card)
- Max Transaction Amount (ACH)
To apply presets, visit Settings > Company > Dashboard Settings > Onboarding Forms.
Finix automatically presets the Max Transaction Amount fields based on your Finix account's default settings. You can change that amount on a per-Merchant basis when creating an Onboarding Form.
Viewing Onboarding Forms
View all your Onboarding Forms in your Finix dashboard under Merchants > Onboarding Forms. You can view and filter by form status.
Select an Onboarding Form to re-copy the form's link under Actions, as well as view all the information your Merchant has saved to the form while filling it out.
Submitted Onboarding Forms
After your seller submits their Onboarding Form, Finix will mark it Completed and automatically create your seller's Merchant account. After the review process, your seller's Merchant account will be Approved and ready to accept payments. This process often takes just minutes.
Should Finix require more information from your sellers during our review, their Merchant account and Onboarding Form will both move to an Update Requested state. To make the update process as easy as possible, your sellers can use their original Onboarding Form to provide the requested information. After resending your sellers their Onboarding Form link, no additional action is required from your team – Finix will automatically re-review your seller after they submit the requested updates.
| Lifecycle event | Onboarding Form | Merchant Account |
|---|---|---|
| Onboarding Form Created | In Progress | — |
| Onboarding Form Submitted | Completed | Provisioning |
| Merchant Approved | Completed | Approved |
| Merchant Rejected | Completed | Rejected |
| Updates Requested | Update Requested | Update Requested |
| Updates Submitted | Completed | Provisioning |
To learn more about update requests, see Handling Update Requests.
Lifecycle Notifications
Finix offers notifications through both email and the Finix dashboard, making it easy for your team to receive updates as your sellers progress through onboarding. For example, your team can subscribe to receive notifications when your sellers submit their Onboarding Forms and are approved.
To learn more about notifications, see Notifications and Webhooks.
Managing Onboarding Forms with Finix's API
Should you wish to create Onboarding Forms in bulk or directly from your application, you can use the Onboarding Forms API. Finix lets you prefill as many or as few fields as you'd like, and provides a link your seller can use to access the form.
Creating Onboarding Forms
Required Data
Finix requires these fields to create an Onboarding Form:
| Field | Type | Description |
|---|---|---|
expired_session_url | String | Link to webpage for your merchants to route should the Onboarding Form expire |
fee_details_url | String | Link to webpage explaining your payment processing fees |
max_transaction_amount | Integer | Maximum transaction amount for your merchant's card payment processing |
processor | Enum | Payment processor for your merchant's processing |
return_url | String | Link to webpage for your merchants to route after completing their Onboarding Form |
terms_of_service_url | String | Link to webpage with your Terms of Service |
Prefilling Fields
Beyond setting the required fields, you may prefill as many other fields as you'd like on the Onboarding Form. This includes the country, as well as all the fields under entity, additional_underwriting_data, associated_entities, and payment_instruments. See an example below of an Onboarding Form request with all fields prefilled, as well as the full list of fields and definitions on the Onboarding Forms API Reference.
Form Link
In the response, Finix provides a link for your seller to access and complete the Onboarding Form (link_url). Should the form's link expire, use the Onboarding Forms Link API to create a new one.
Request Examples
curl "https://finix.sandbox-payments-api.com/onboarding_forms" \
-H "Content-Type: application/json" \
-H "Finix-Version: 2022-02-01" \
-u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
-d '{
"onboarding_data": {
"country": "USA",
"entity": {
"title": "CEO",
"first_name": "John",
"last_name": "Smith",
"email": "owner@democompany.com",
"business_name": "Demo Company, LLC",
"business_type": "LIMITED_LIABILITY_COMPANY",
"doing_business_as": "Demo Company",
"phone": "12223334444",
"business_phone": "12223334444",
"personal_address": {
"city": "Seattle",
"country": "USA",
"line1": "123 Boren Ave",
"postal_code": "98040",
"region": "WA"
},
"business_address": {
"city": "Bellevue",
"country": "USA",
"line1": "123 Bellevue Way",
"postal_code": "98039",
"region": "WA"
},
"dob": {
"day": 13,
"month": 4,
"year": 1982
},
"incorporation_date": {
"day": 9,
"month": 3,
"year": 2018
},
"mcc": "4900",
"url": "https://www.democompany.com",
"ownership_type": "PRIVATE",
"default_statement_descriptor": "DEMOCOMPANY",
"annual_card_volume": 1000000,
"principal_percentage_ownership": 75,
"tax_id": "111223333",
"business_tax_id": "112222222",
"has_accepted_credit_cards_previously": false
},
"additional_underwriting_data": {
"refund_policy": "NO_REFUNDS",
"card_volume_distribution": {
"ecommerce_percentage": 100,
"card_present_percentage": 0,
"mail_order_telephone_order_percentage": 0
},
"average_ach_transfer_amount": 20000000,
"average_card_transfer_amount": 20000,
"annual_ach_volume": 20000000,
"business_description": "CONSUMER",
"volume_distribution_by_business_type": {
"other_volume_percentage": 0,
"person_to_person_volume_percentage": 0,
"business_to_business_volume_percentage": 90,
"business_to_consumer_volume_percentage": 10,
"consumer_to_consumer_volume_percentage": 0
}
},
"associated_entities": [
{
"title": "CFO",
"first_name": "Jane",
"last_name": "Doe",
"email": "jane@democompany.com",
"phone": "12223334444",
"personal_address": {
"city": "Bellevue",
"country": "USA",
"line1": "4848 84th St",
"postal_code": "98032",
"region": "WA"
},
"dob": {
"day": 13,
"month": 4,
"year": 1985
},
"principal_percentage_ownership": 25,
"tax_id": "111223333"
}
],
"payment_instruments": {
"account_number": "783465874368",
"account_type": "CHECKING",
"bank_code": "123456789",
"country": "USA",
"currency": "USD",
"name": "JOE BANKER",
"type": "BANK_ACCOUNT"
},
"max_transaction_amount": 100000,
"ach_max_transaction_amount": 100000
},
"merchant_processors": [
{
"processor": "DUMMY_V1"
}
],
"onboarding_link_details": {
"expiration_in_minutes": 10080,
"expired_session_url": "https://www.democompany.com/login",
"fee_details_url": "https://www.democompany.com/fee_details",
"return_url": "https://www.democompany.com/home",
"terms_of_service_url": "https://www.democompany.com/ToS"
}
}'{
"id": "obf_iZt2Xu51dBsG7XtAivaGfB",
"onboarding_data": {
"entity": {
"title": "CEO",
"first_name": "John",
"last_name": "Smith",
"email": "owner@democompany.com",
"business_name": "Demo Company, LLC",
"business_type": "LIMITED_LIABILITY_COMPANY",
"doing_business_as": "Demo Company",
"phone": "12223334444",
"business_phone": "12223334444",
"mcc": "4900",
"url": "https://www.democompany.com",
"ownership_type": "PRIVATE",
"default_statement_descriptor": "DEMOCOMPANY",
"annual_card_volume": "1000000",
"principal_percentage_ownership": "75",
"tax_id": "*****3333",
"business_tax_id": "*****2222",
"has_accepted_credit_cards_previously": false,
"personal_address": {
"line1": "123 Boren Ave",
"city": "Seattle",
"region": "WA",
"postal_code": "98040",
"country": "USA"
},
"business_address": {
"line1": "123 Bellevue Way",
"city": "Bellevue",
"region": "WA",
"postal_code": "98039",
"country": "USA"
},
"dob": {
"day": 13,
"month": 4,
"year": 1982
},
"incorporation_date": {
"day": 9,
"month": 3,
"year": 2018
}
},
"associated_entities": [
{
"title": "CFO",
"first_name": "Jane",
"last_name": "Doe",
"email": "jane@democompany.com",
"phone": "12223334444",
"personal_address": {
"line1": "4848 84th St",
"city": "Bellevue",
"region": "WA",
"postal_code": "98032",
"country": "USA"
},
"dob": {
"day": 13,
"month": 4,
"year": 1985
},
"principal_percentage_ownership": 25,
"tax_id": "*****3333"
}
],
"payment_instruments": {
"name": "JOE BANKER",
"bank_code": "123456789",
"account_number": "*****4368",
"account_type": "CHECKING",
"type": "BANK_ACCOUNT",
"country": "USA",
"currency": "USD"
},
"additional_underwriting_data": {
"refund_policy": "NO_REFUNDS",
"average_ach_transfer_amount": 20000000,
"average_card_transfer_amount": 20000,
"merchant_agreement_ip_address": null,
"merchant_agreement_accepted": null,
"merchant_agreement_timestamp": null,
"merchant_agreement_user_agent": null,
"credit_check_timestamp": null,
"credit_check_user_agent": null,
"annual_ach_volume": 20000000,
"business_description": "CONSUMER",
"volume_distribution_by_business_type": {
"other_volume_percentage": 0,
"person_to_person_volume_percentage": 0,
"business_to_business_volume_percentage": 90,
"business_to_consumer_volume_percentage": 10,
"consumer_to_consumer_volume_percentage": 0
},
"card_volume_distribution": {
"ecommerce_percentage": 100,
"card_present_percentage": 0,
"mail_order_telephone_order_percentage": 0
},
"amex_marketing_consent": null
},
"max_transaction_amount": 100000,
"ach_max_transaction_amount": 100000,
"country": "USA",
"associated_files": []
},
"merchant_processors": [
{
"processor": "DUMMY_V1"
}
],
"onboarding_link_details": {
"return_url": "https://www.democompany.com/home",
"expired_session_url": "https://www.democompany.com/login",
"fee_details_url": "https://www.democompany.com/fee_details",
"terms_of_service_url": "https://www.democompany.com/ToS",
"expiration_in_minutes": 10080
},
"onboarding_link": {
"expires_at": "2024-11-15T05:23:21.208Z",
"link_url": "https://sandbox.payments-dashboard.com/merchant-onboarding?formId=obf_iZt2Xu51dBsG7XtAivaGfB&applicationId=APgPDQrLD52TYvqazjHJJchM&bearerToken=eyJhbGciOiJIUzUxMiJ9.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.g0fa_AG3tsKgvqZST7UrvrIZxrzqFIw6S9qhxJrs1eb-OPGZg0zWWBsNhpqD8QAk3eGEQhjBo2G1lHo9EUBBSg"
},
"status": "IN_PROGRESS",
"identity_id": null,
"application_id": "APgPDQrLD52TYvqazjHJJchM",
"created_at": "2024-11-08T05:23:21.190954Z",
"updated_at": "2024-11-08T05:23:21.190954Z",
"tags": {}
}Fetching an Onboarding Form Link
Should your seller need to re-access their Onboarding Form (for example, if the form expires or your seller needs to update their form), you can create a new link for an existing form. Finix saves your seller's progress as they complete each form step, letting them pick up wherever they left off.
curl "https://finix.sandbox-payments-api.com/onboarding_forms/obf_n4J6QuG6XHoUbZ54Z88v5h/links" \
-H "Content-Type: application/json" \
-H "Finix-Version: 2022-02-01" \
-u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
-d '{
"return_url": "https://www.democompany.com/home",
"expired_session_url": "https://www.democompany.com/login",
"fee_details_url": "https://www.democompany.com/fee_details",
"terms_of_service_url": "https://www.democompany.com/ToS",
"expiration_in_minutes": 10080
}'{
"expires_at": "2024-11-15T05:39:20.864Z",
"link_url": "https://sandbox.payments-dashboard.com/merchant-onboarding?formId=obf_n4J6QuG6XHoUbZ54Z88v5h&applicationId=APgPDQrLD52TYvqazjHJJchM&bearerToken=eyJhbGciOiJIUzUxMiJ9.eyJvbmJvYXJkaW5nX2Zvcm1faWQiOiJvYmZfbjRKNlF1RzZYSG9VYlo1NFo4OHY1aCIsImZlZV9kZXRhaWxzX3VybCI6Imh0dHBzOi8vd3d3LmRlbW9jb21wYW55LmNvbS9mZWVfZGV0YWlscyIsImV4cGlyZWRfc2Vzc2lvbl91cmwiOiJodHRwczovL3d3dy5kZW1vY29tcGFueS5jb20vbG9naW4iLCJtZXJjaGFudF9hY2hfbWF4X3RyYW5zYWN0aW9uX2Ftb3VudCI6MTAwMDAwMDAwLCJpc3MiOiJodHRwczovL3d3dy5maW5peC5jb20iLCJyZXR1cm5fdXJsIjoiaHR0cHM6Ly93d3cuZGVtb2NvbXBhbnkuY29tL2hvbWUiLCJleHAiOjE3MzE2NDkxNjAsImFwcGxpY2F0aW9uX2lkIjoiQVBnUERRckxENTJUWXZxYXpqSEpKY2hNIiwiaWF0IjoxNzMxMDQ0MzYwLCJtZXJjaGFudF9tYXhfdHJhbnNhY3Rpb25fYW1vdW50IjoxMDAwMDAwMDAsInRlcm1zX29mX3NlcnZpY2VfdXJsIjoiaHR0cHM6Ly93d3cuZGVtb2NvbXBhbnkuY29tL1RvUyJ9.9h1NIqGe6_VlBzXK7KeC3t9F3cWBA4qrnrq-H_t0R3W2pdXq8_d7-mVFxxqQMaVYRcjgOZmL1e-P01-hgUY0EQ"
}Submitted Onboarding Forms
Created Resources
After your seller completes their Onboarding Form, Finix automatically creates these API resources for them:
- Merchant: your seller will use their Merchant Account to accept payments once it is approved
- Verification: this resource puts the Merchant Account into Finix's underwriting system
- Identity: this resource contains the data your seller submitted through their Onboarding Form
- Payment Instrument: this resource represents the bank account for your seller's payouts
Your seller's Merchant account will transition from PROVISIONING to APPROVED after the underwriting process, letting them accept payments. Should Finix require additional information during the underwriting process, your Merchant's account and the Onboarding Form will both transition into an UPDATE_REQUESTED state. In the event that Finix cannot onboard your seller, their Merchant account will transition to the REJECTED state.
| Lifecycle event | Merchant | Verification | Onboarding Form |
|---|---|---|---|
| Onboarding Form Submitted | PROVISIONING | PENDING | COMPLETED |
| Merchant Approved | APPROVED | SUCCEEDED | COMPLETED |
| Merchant Rejected | REJECTED | FAILED | COMPLETED |
| Updates Requested | UPDATE_REQUESTED | FAILED | UPDATE_REQUESTED |
| Updates Submitted | PROVISIONING | PENDING | COMPLETED |
Fetching Resources
Your seller's completed Onboarding Form will have an identity_id, which you can also find appended to the return_url your seller is redirected to:
https://www.demo-company.com/return_url?identityId=IDeoSwE888omd6pn73hzLA5aYou can use the identity_id to fetch your seller's Merchant resource:
curl "https://finix.sandbox-payments-api.com/identities/ID8yUjXJv5oNW2e3BPU1u2pK/merchants" \
-H "Content-Type: application/json" \
-H "Finix-Version: 2022-02-01" \
-u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e{
"_embedded": {
"merchants": [
{
"id": "MUhJWbFxDL1EFrieFDPVHMAM",
"created_at": "2023-01-01T10:50:48.53Z",
"updated_at": "2024-03-21T22:37:38.61Z",
"application": "APgPDQrLD52TYvqazjHJJchM",
"card_cvv_required": false,
"card_expiration_date_required": true,
"card_network_details": null,
"convenience_charges_enabled": false,
"country": null,
"creating_transfer_from_report_enabled": true,
"currencies": null,
"default_partial_authorization_enabled": false,
"disbursements_ach_pull_enabled": false,
"disbursements_ach_push_enabled": false,
"disbursements_card_pull_enabled": false,
"disbursements_card_push_enabled": false,
"disbursements_same_day_ach_pull_enabled": false,
"disbursements_same_day_ach_push_enabled": false,
"fee_ready_to_settle_upon": "RECONCILIATION",
"gateway": null,
"gross_settlement_enabled": false,
"identity": "ID8yUjXJv5oNW2e3BPU1u2pK",
"instant_payouts_card_push_enabled": false,
"level_two_level_three_data_enabled": false,
"loan_repayment": null,
"mcc": null,
"merchant_name": "dwayne lbc",
"merchant_profile": "MPdyRZgBRwEbdf2Qcm3xqAY1",
"mid": "FNX3zhtdAjuJLwMk9ASxnyuUB",
"onboarding_state": "APPROVED",
"processing_enabled": true,
"processor": "DUMMY_V1",
"processor_details": {
"mid": "FNX3zhtdAjuJLwMk9ASxnyuUB",
"api_key": "secretValue"
},
"ready_to_settle_upon": "RECONCILIATION",
"ready_to_settle_upon_delay_alignment": "NONE",
"rent_surcharges_enabled": false,
"settlement_enabled": true,
"settlement_funding_identifier": "UNSET",
"settlement_queue_mode": "UNSET",
"surcharges_enabled": false,
"tags": {
"test_key_100": "test_val_100"
},
"verification": "VId1MRt94w1xdzRU7zFRAL9W",
"_links": {
"self": {
"href": "https://finix.sandbox-payments-api.com/merchants/MUhJWbFxDL1EFrieFDPVHMAM"
},
"identity": {
"href": "https://finix.sandbox-payments-api.com/identities/ID8yUjXJv5oNW2e3BPU1u2pK"
},
"verifications": {
"href": "https://finix.sandbox-payments-api.com/merchants/MUhJWbFxDL1EFrieFDPVHMAM/verifications"
},
"merchant_profile": {
"href": "https://finix.sandbox-payments-api.com/merchant_profiles/MPdyRZgBRwEbdf2Qcm3xqAY1"
},
"application": {
"href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
},
"verification": {
"href": "https://finix.sandbox-payments-api.com/verifications/VId1MRt94w1xdzRU7zFRAL9W"
}
}
}
]
},
"_links": {
"self": {
"href": "https://finix.sandbox-payments-api.com/identities/ID8yUjXJv5oNW2e3BPU1u2pK/merchants?offset=0&limit=20&sort=created_at,desc&sort=id,desc"
}
},
"page": {
"offset": 0,
"limit": 20,
"count": 1
}
}Receiving Webhooks
Finix sends webhooks to update you about your seller's progress throughout the onboarding process. For example, the Merchant Created webhook lets you know when your seller has submitted their Onboarding Form, and the Merchant Updated webhook lets you know when their Merchant account transitions between state.
To learn more about webhooks, see Notifications and Webhooks.
Handling Update Requests
Should Finix request additional information from your seller during the underwriting process, they can use their original Onboarding Form to provide the requested information. Use the Dashboard or API to fetch and send your seller's Onboarding Form link. No additional action is required from your team – Finix will update your seller's API resources and place them back in the underwriting process after they re-submit their Onboarding Form.
To learn more about update requests, see Handling Update Requests.
Onboarding Form Identity Verification
To mitigate fraud and identity theft, Finix requires government IDs and selfie photos from merchants submitting Onboarding Forms. This verification step ensures that the actual control owner of a merchant’s business is submitting the form, preventing unauthorized access.
Collecting government IDs and selfies is an effective tool for mitigating fraud and identity theft. If you have concerns about Finix collecting and verifying this information, please contact your Finix representative.
Finix integrates Persona to securely collect government IDs and selfies within the Onboarding Form. The control owner must complete this step before submitting the form. The verification process works on any device with a camera, and merchants can switch to another device if needed.
Next Steps
Next, learn how to handle update requests and subscribe to lifecycle notifications to move your sellers through the onboarding process.