# Platform Quickstart

## Before you Start

To start, create your Finix sandbox account to access the Finix Dashboard and create an API Key. You can use your sandbox account to build and test your integration into Finix's APIs, as well as use the Finix Dashboard to manage payments, sellers, and more.

To create an API Key in the Dashboard, navigate to **Developer > Create API Key**. Save your username and password on your computer; you won't be able to access the same credentials after closing the window.

## Step 1: Onboard your Seller

### Create an Identity

- The first step to processing your sellers' payments is creating an Identity with your seller's information
- You will create 1 Identity your seller, and 1 Identity for each beneficial owner with more than 25% ownership (if applicable)


USA Seller
Seller (USA)

```json Seller (USA)
{
  "id": "IDcV3F1FzHB5cT9DoGZLJ39Q",
  "created_at": "2024-08-09T09:32:02.64Z",
  "updated_at": "2024-08-09T09:32:02.64Z",
  "additional_underwriting_data": {
    "refund_policy": "MERCHANDISE_EXCHANGE_ONLY",
    "credit_check_ip_address": "42.1.1.112",
    "card_volume_distribution": {
      "card_present_percentage": 30,
      "mail_order_telephone_order_percentage": 10,
      "ecommerce_percentage": 60
    },
    "average_ach_transfer_amount": 200000,
    "average_card_transfer_amount": 200000,
    "merchant_agreement_accepted": true,
    "merchant_agreement_user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_6)",
    "merchant_agreement_ip_address": "42.1.1.113",
    "annual_ach_volume": 200000,
    "credit_check_allowed": true,
    "business_description": "SB3 vegan cafe",
    "credit_check_user_agent": "Mozilla 5.0(Macintosh; IntelMac OS X 10 _14_6)",
    "volume_distribution_by_business_type": {
      "other_volume_percentage": 0,
      "consumer_to_consumer_volume_percentage": 0,
      "business_to_consumer_volume_percentage": 0,
      "business_to_business_volume_percentage": 100,
      "person_to_person_volume_percentage": 0
    },
    "credit_check_timestamp": "2021-04-28T16:42:55Z",
    "merchant_agreement_timestamp": "2021-04-28T16:42:55Z"
  },
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "entity": {
    "ach_max_transaction_amount": 1000000,
    "amex_mid": null,
    "annual_card_volume": 12000000,
    "business_address": {
      "line1": "741 Douglass St",
      "line2": "Apartment 8",
      "city": "San Mateo",
      "region": "CA",
      "postal_code": "94114",
      "country": "USA"
    },
    "business_name": "Finix Flowers",
    "business_phone": "+1 (408) 756-4497",
    "business_tax_id_provided": true,
    "business_type": "INDIVIDUAL_SOLE_PROPRIETORSHIP",
    "default_statement_descriptor": "Finix Flowers",
    "discover_mid": null,
    "dob": {
      "day": 27,
      "month": 6,
      "year": 1978
    },
    "doing_business_as": "Finix Flowers",
    "email": "user@example.org",
    "first_name": "John",
    "has_accepted_credit_cards_previously": true,
    "incorporation_date": {
      "day": 27,
      "month": 6,
      "year": 1978
    },
    "last_name": "Smith",
    "max_transaction_amount": 1000000,
    "mcc": "4900",
    "ownership_type": "PRIVATE",
    "personal_address": {
      "line1": "741 Douglass St",
      "line2": "Apartment 7",
      "city": "San Mateo",
      "region": "CA",
      "postal_code": "94114",
      "country": "USA"
    },
    "phone": "14158885080",
    "principal_percentage_ownership": 50,
    "short_business_name": null,
    "tax_authority": null,
    "tax_id_provided": true,
    "title": "CEO",
    "url": "https://www.finix.com"
  },
  "identity_roles": [
    "SELLER"
  ],
  "tags": {
    "Studio Rating": "4.7"
  },
  "type": "BUSINESS",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q/verifications"
    },
    "merchants": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q/merchants"
    },
    "settlements": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q/settlements"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q/transfers"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q/payment_instruments"
    },
    "associated_identities": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q/associated_identities"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDcV3F1FzHB5cT9DoGZLJ39Q/disputes"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    }
  }
}
```

Canadian Seller
Seller (CAN)

```json Seller (CAN)
{
  "id": "ID2gKzJLXGBevszzh3GRSShB",
  "created_at": "2024-08-09T07:19:25.34Z",
  "updated_at": "2024-08-09T07:19:25.34Z",
  "additional_underwriting_data": {
    "refund_policy": "MERCHANDISE_EXCHANGE_ONLY",
    "credit_check_ip_address": "42.1.1.112",
    "card_volume_distribution": {
      "card_present_percentage": 30,
      "mail_order_telephone_order_percentage": 10,
      "ecommerce_percentage": 60
    },
    "average_ach_transfer_amount": 200000,
    "average_card_transfer_amount": 200000,
    "merchant_agreement_accepted": true,
    "merchant_agreement_user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_6)",
    "merchant_agreement_ip_address": "42.1.1.113",
    "annual_ach_volume": 200000,
    "credit_check_allowed": true,
    "business_description": "Business offering video editing services.",
    "credit_check_user_agent": "Mozilla 5.0(Macintosh; IntelMac OS X 10 _14_6)",
    "volume_distribution_by_business_type": {
      "other_volume_percentage": 0,
      "consumer_to_consumer_volume_percentage": 0,
      "business_to_consumer_volume_percentage": 0,
      "business_to_business_volume_percentage": 100,
      "person_to_person_volume_percentage": 0
    },
    "credit_check_timestamp": "2021-04-28T16:42:55Z",
    "merchant_agreement_timestamp": "2021-04-28T16:42:55Z"
  },
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "entity": {
    "ach_max_transaction_amount": 1000000,
    "amex_mid": null,
    "annual_card_volume": 12000000,
    "business_address": {
      "line1": "456 Elm Avenue",
      "line2": null,
      "city": "Vancouver",
      "region": "BC",
      "postal_code": "V6B 2L2",
      "country": "CAN"
    },
    "business_name": "Video Editing Services",
    "business_phone": "+1 (416) 555-7890",
    "business_tax_id_provided": true,
    "business_type": "INDIVIDUAL_SOLE_PROPRIETORSHIP",
    "default_statement_descriptor": "Video Services",
    "discover_mid": null,
    "dob": {
      "day": 27,
      "month": 6,
      "year": 1978
    },
    "doing_business_as": "Video Editing Services",
    "email": "info@video-editing-services.com",
    "first_name": "Jerry",
    "has_accepted_credit_cards_previously": true,
    "incorporation_date": {
      "day": 27,
      "month": 6,
      "year": 1978
    },
    "last_name": "Dunhill",
    "max_transaction_amount": 1000000,
    "mcc": "4900",
    "ownership_type": "PRIVATE",
    "personal_address": {
      "line1": "987 Milo Street",
      "line2": null,
      "city": "Vancouver",
      "region": "BC",
      "postal_code": "V5K 1Z5",
      "country": "CAN"
    },
    "phone": "14158885080",
    "principal_percentage_ownership": 50,
    "short_business_name": null,
    "tax_authority": null,
    "tax_id_provided": true,
    "title": "CEO",
    "url": "https://www.video-editing-services.com"
  },
  "identity_roles": [
    "SELLER"
  ],
  "tags": {
    "Studio Rating": "4.7"
  },
  "type": "BUSINESS",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB/verifications"
    },
    "merchants": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB/merchants"
    },
    "settlements": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB/settlements"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB/transfers"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB/payment_instruments"
    },
    "associated_identities": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB/associated_identities"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID2gKzJLXGBevszzh3GRSShB/disputes"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    }
  }
}
```

### Create a Payment Instrument

- Next, you will link the bank account to which your seller will receive their settlement payouts
- To do this, you will create a Payment Instrument linked to the Identity ID from the previous step


Note on Payment Instruments
Payment Instrument resources represent the payment details of cards or bank accounts. Tokenizing the same card or bank account multiple times will create multiple unique Payment Instruments, each with the same `fingerprint`. Each Payment Instrument is associated with one single Identity; once a Payment Instrument is created, the Identity it is associated with cannot be changed.

USA Bank Account
Payment Instrument - Bank Account

```json Payment Instrument - Bank Account
{
  "id": "PIkfiTDWYhQ4VbtQkC1U1ceJ",
  "created_at": "2024-06-21T04:09:03.77Z",
  "updated_at": "2024-06-21T04:09:03.77Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "created_via": "API",
  "currency": "USD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPRxpMNPZbZqVQfcHzRUJnzkR",
  "identity": "IDpYDM7J9n57q849o9E9yNrG",
  "instrument_type": "BANK_ACCOUNT",
  "account_type": "BUSINESS_CHECKING",
  "bank_account_validation_check": "NOT_ATTEMPTED",
  "bank_code": "122105278",
  "country": "USA",
  "institution_number": null,
  "masked_account_number": "XXXXXX0019",
  "name": "Smith & Associates Consulting",
  "transit_number": null,
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "BANK_ACCOUNT",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDpYDM7J9n57q849o9E9yNrG"
    }
  }
}
```

Canadian Bank Account
Payment Instrument - Canadian Bank Account

```json Payment Instrument - Canadian Bank Account
{
  "id": "PI2m36rwpCn5nyDbHkYJ4XUL",
  "created_at": "2024-08-02T05:32:44.31Z",
  "updated_at": "2024-08-02T05:32:44.31Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "created_via": "API",
  "currency": "CAD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPR8RAHfXm1BMYYVJyHWHhw4J",
  "identity": "IDx2ZETjYiWkbitkYdFt1yLF",
  "instrument_type": "BANK_ACCOUNT",
  "account_type": "PERSONAL_CHECKING",
  "bank_account_validation_check": "NOT_ATTEMPTED",
  "bank_code": null,
  "country": "CAN",
  "institution_number": "123",
  "masked_account_number": "XXXXX3123",
  "name": "John Smith",
  "transit_number": "12345",
  "tags": {
    "Bank Account": "Company Account"
  },
  "third_party": null,
  "third_party_token": null,
  "type": "BANK_ACCOUNT",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI2m36rwpCn5nyDbHkYJ4XUL"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI2m36rwpCn5nyDbHkYJ4XUL/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI2m36rwpCn5nyDbHkYJ4XUL/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI2m36rwpCn5nyDbHkYJ4XUL/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDx2ZETjYiWkbitkYdFt1yLF"
    }
  }
}
```

### Create a Merchant

- Finally, you will create your seller's Merchant account
- This is the resource you will use to process your seller's payments
- The Merchant account will be ready to process payments once `APPROVED`


Merchant States
Your Merchant's `onboarding_state` can be `PROVISIONING`, `APPROVED`, `REJECTED`, or `UPDATE_REQUESTED`. We recommend integrating into our webhooks to listen for any Merchant state changes.

Example
API Definition
Example
Merchant

```json Merchant
{
  "id": "MU5yqwnm9MhyhDXCBaahWYgf",
  "created_at": "2025-11-19T16:56:32.75Z",
  "updated_at": "2025-11-19T16:56:32.75Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "card_cvv_required": false,
  "card_expiration_date_required": true,
  "card_network_details": null,
  "convenience_charges_enabled": false,
  "country": "USA",
  "creating_transfer_from_report_enabled": false,
  "currencies": [
    "USD"
  ],
  "default_partial_authorization_enabled": false,
  "disbursements_ach_pull_enabled": true,
  "disbursements_ach_push_enabled": true,
  "disbursements_card_pull_enabled": true,
  "disbursements_card_push_enabled": true,
  "disbursements_same_day_ach_pull_enabled": false,
  "disbursements_same_day_ach_push_enabled": false,
  "fee_ready_to_settle_upon": "PROCESSOR_WINDOW",
  "first_approved_at": null,
  "gateway": "TRIPOS_CLOUD_V1",
  "gross_settlement_enabled": false,
  "identity": "IDhC29dXMAkbmr1aBpS91Hpx",
  "instant_payouts_card_push_enabled": false,
  "is_terminated": false,
  "level_two_level_three_data_enabled": false,
  "loan_repayment": null,
  "mcc": "9399",
  "merchant_name": "Finix Flowers",
  "merchant_profile": "MPi9TcqRi7XRdh38rHMrTX3b",
  "mid": null,
  "onboarding_state": "PROVISIONING",
  "processing_enabled": false,
  "processor": "DUMMY_V1",
  "processor_details": {},
  "ready_to_settle_upon": "PROCESSOR_WINDOW",
  "ready_to_settle_upon_delay_alignment": "NONE",
  "refunds_disabled": false,
  "rent_surcharges_enabled": false,
  "settlement_enabled": false,
  "settlement_funding_identifier": "UNSET",
  "settlement_queue_mode": "UNSET",
  "surcharges_enabled": false,
  "tags": {
    "key_2": "value_2"
  },
  "termination_details": null,
  "unreferenced_refund_card_present_enabled": true,
  "unreferenced_refund_manual_entry_enabled": false,
  "verification": "VImR52v1Cng5P7Qcsgeo4oAB",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MU5yqwnm9MhyhDXCBaahWYgf"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDhC29dXMAkbmr1aBpS91Hpx"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MU5yqwnm9MhyhDXCBaahWYgf/verifications"
    },
    "merchant_profile": {
      "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MPi9TcqRi7XRdh38rHMrTX3b"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "verification": {
      "href": "https://finix.sandbox-payments-api.com/verifications/VImR52v1Cng5P7Qcsgeo4oAB"
    }
  }
}
```

API Definition
## Step 2: Create your Buyer

### Create an Identity

- The next step is creating an Identity for your buyer
- This resource represents the customer to which your seller makes a sale
- All buyer Identity fields are optional, but Finix recommends passing in the name and email to help with accounting, reconciliation, and disputes


Example
API Definition
Example
Buyer

```json Buyer
{
  "id": "IDgjFNYNraTBiKUyTXB4GFNe",
  "created_at": "2025-08-12T19:56:51.90Z",
  "updated_at": "2025-08-12T19:56:51.90Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "entity": {
    "ach_max_transaction_amount": 0,
    "amex_mid": null,
    "annual_card_volume": 0,
    "business_address": null,
    "business_name": null,
    "business_phone": null,
    "business_tax_id_fingerprint": null,
    "business_tax_id_provided": false,
    "business_type": null,
    "default_statement_descriptor": null,
    "discover_mid": null,
    "dob": null,
    "doing_business_as": null,
    "email": "finix_example@finix.com",
    "first_name": "John",
    "has_accepted_credit_cards_previously": false,
    "incorporation_date": null,
    "last_name": "Smith",
    "max_transaction_amount": 0,
    "mcc": null,
    "ownership_type": null,
    "personal_address": {
      "line1": "741 Douglass St",
      "line2": "Apartment 7",
      "city": "San Mateo",
      "region": "CA",
      "postal_code": "94114",
      "country": "USA"
    },
    "phone": "7145677613",
    "principal_percentage_ownership": null,
    "short_business_name": null,
    "tax_authority": null,
    "tax_id_fingerprint": null,
    "tax_id_provided": false,
    "title": null,
    "url": null
  },
  "identity_roles": [
    "BUYER"
  ],
  "tags": {
    "key": "value"
  },
  "type": "PERSONAL",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe/verifications"
    },
    "merchants": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe/merchants"
    },
    "settlements": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe/settlements"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe/transfers"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe/payment_instruments"
    },
    "associated_identities": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe/associated_identities"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgjFNYNraTBiKUyTXB4GFNe/disputes"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    }
  }
}
```

API Definition
### Create a Payment Instrument

- Next, create a Payment Instrument to represent the payment card or bank account your buyer will use for the sale
- PCI Level 1-compliant organizations can collect and pass in sensitive payment data directly
- Organizations that are *not* PCI Level 1-compliant *must* use Finix's Tokenization Forms or Mobile Tokenization to collect and pass in sensitive payment data


PCI Level 1 Compliance
Please reach out to your Finix point-of-contact should you have any questions about PCI Level 1 Compliance.

Payment Card
Payment Instrument - Card

```json Payment Instrument - Card
{
  "id": "PI6F5kkcCB3dtGhFy1t8Aua5",
  "created_at": "2024-11-15T09:42:33.42Z",
  "updated_at": "2024-11-15T09:42:33.42Z",
  "account_updater_enabled": false,
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "created_via": "API",
  "currency": "USD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPRiCenDk2SoRng7WjQTr7RJY",
  "identity": "IDgWxBhfGYLLdkhxx2ddYf9K",
  "instrument_type": "PAYMENT_CARD",
  "address": {
    "line1": "900 Metro Center Blv",
    "line2": null,
    "city": "San Francisco",
    "region": "CA",
    "postal_code": "94404",
    "country": "USA"
  },
  "address_verification": "UNKNOWN",
  "bin": "520082",
  "brand": "MASTERCARD",
  "card_type": "DEBIT",
  "expiration_month": 12,
  "expiration_year": 2029,
  "issuer_country": "NON_USA",
  "last_four": "8210",
  "name": "John Smith",
  "network_token_enabled": false,
  "network_token_state": "NOT_ENABLED",
  "security_code_verification": "UNKNOWN",
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "PAYMENT_CARD",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgWxBhfGYLLdkhxx2ddYf9K"
    },
    "updates": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/updates"
    }
  }
}
```

Bank Account
Payment Instrument - Bank Account

```json Payment Instrument - Bank Account
{
  "id": "PIkfiTDWYhQ4VbtQkC1U1ceJ",
  "created_at": "2024-06-21T04:09:03.77Z",
  "updated_at": "2024-06-21T04:09:03.77Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "created_via": "API",
  "currency": "USD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPRxpMNPZbZqVQfcHzRUJnzkR",
  "identity": "IDpYDM7J9n57q849o9E9yNrG",
  "instrument_type": "BANK_ACCOUNT",
  "account_type": "BUSINESS_CHECKING",
  "bank_account_validation_check": "NOT_ATTEMPTED",
  "bank_code": "122105278",
  "country": "USA",
  "institution_number": null,
  "masked_account_number": "XXXXXX0019",
  "name": "Smith & Associates Consulting",
  "transit_number": null,
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "BANK_ACCOUNT",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIkfiTDWYhQ4VbtQkC1U1ceJ/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDpYDM7J9n57q849o9E9yNrG"
    }
  }
}
```

Token
Payment Instrument - Token - Card

```json Payment Instrument - Token - Card
{
  "id": "PImmCg3Po7oNi7jaZcXhfkEu",
  "created_at": "2022-10-10T05:32:17.78Z",
  "updated_at": "2022-10-10T05:32:17.78Z",
  "account_updater_enabled": false,
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "created_via": "API",
  "currency": "USD",
  "enabled": true,
  "fingerprint": "FPRiCenDk2SoRng7WjQTr7RJY",
  "identity": "IDgWxBhfGYLLdkhxx2ddYf9K",
  "instrument_type": "PAYMENT_CARD",
  "address": {
    "line1": "900 Metro Center Blv",
    "line2": null,
    "city": "San Francisco",
    "region": "CA",
    "postal_code": "94404",
    "country": "USA"
  },
  "address_verification": "UNKNOWN",
  "bin": "520082",
  "brand": "MASTERCARD",
  "card_type": "DEBIT",
  "expiration_month": 12,
  "expiration_year": 2029,
  "issuer_country": "NON_USA",
  "last_four": "8210",
  "name": "Amy White",
  "network_token_enabled": false,
  "network_token_state": "NOT_ENABLED",
  "security_code_verification": "UNKNOWN",
  "tags": {
    "card_name": "Business Card"
  },
  "type": "PAYMENT_CARD",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImmCg3Po7oNi7jaZcXhfkEu"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImmCg3Po7oNi7jaZcXhfkEu/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImmCg3Po7oNi7jaZcXhfkEu/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImmCg3Po7oNi7jaZcXhfkEu/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgWxBhfGYLLdkhxx2ddYf9K"
    },
    "updates": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PImmCg3Po7oNi7jaZcXhfkEu/updates"
    }
  }
}
```

## Step 3: Make a Sale

### Create a Transfer

- With your seller and buyer created, you are ready to make a sale
- To do this, create a Transfer with your Buyer's Payment Instrument as the `source` and your Seller's Merchant ID as the `merchant`
- Alternatively, you can use an authorization-and-capture flow by creating and capturing an Authorization
- We recommend including the `fraud_session_id` to detect and block potentially-fraudulent payments


Transfer Amount
Note that the Transfer's `amount` is represented in cents.

Transfer - USA
Transfer - USA

```json Transfer - USA
{
  "id": "TR8fezr4xCMFJvH5rzCqrUkF",
  "created_at": "2025-10-24T17:38:19.09Z",
  "updated_at": "2025-10-24T17:38:19.09Z",
  "additional_buyer_charges": {
    "convenience_amount": 150,
    "surcharge_amount": 0,
    "rent_surcharge_amount": 0
  },
  "additional_healthcare_data": null,
  "additional_purchase_data": {
    "customer_reference_number": "321xyz",
    "customs_duty_amount": 10,
    "destination_country_code": null,
    "destination_postal_code": null,
    "discount_amount": 100,
    "invoice_reference_number": null,
    "order_date": null,
    "sales_tax": null,
    "sales_tax_finix_generated": 200,
    "ship_from_postal_code": null,
    "shipping_amount": 100,
    "tax_exempt": false,
    "item_data": [
      {
        "cost_per_unit": 500,
        "item_description": "printing paper",
        "item_discount_amount": 100,
        "merchant_product_code": "1149611",
        "quantity": 1,
        "amount_excluding_sales_tax": 400,
        "amount_including_sales_tax": 500,
        "unit_of_measure": "BX",
        "commodity_code": "175-62-20",
        "sales_tax_amount": 100,
        "sales_tax_rate": 0.25
      },
      {
        "cost_per_unit": 500,
        "item_description": "printing ink",
        "item_discount_amount": 0,
        "merchant_product_code": "2149612",
        "quantity": 1,
        "amount_excluding_sales_tax": 400,
        "amount_including_sales_tax": 500,
        "unit_of_measure": "CTN",
        "commodity_code": "207-72-54",
        "sales_tax_amount": 100,
        "sales_tax_rate": 0.25
      }
    ]
  },
  "address_verification": "POSTAL_CODE_AND_STREET_MATCH",
  "amount": 1000,
  "amount_requested": 1000,
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "currency": "USD",
  "destination": null,
  "externally_funded": "UNKNOWN",
  "failure_code": null,
  "failure_message": null,
  "fee": 0,
  "fee_profile": "FP9F2KEnY4wt1XjFvhLBJVjb",
  "idempotency_id": "1234567890",
  "ip_address_details": null,
  "merchant": "MUe17jKSrfPetoeiJQzzjmA2",
  "merchant_identity": "ID6NvZy42D7PChZL8GKKD87F",
  "messages": [],
  "network_details": {
    "brand": "VISA",
    "authorization_code": "252819",
    "acquirer_reference_number": null
  },
  "operation_key": "CARD_NOT_PRESENT_SALE",
  "parent_transfer": null,
  "parent_transfer_trace_id": null,
  "raw": null,
  "ready_to_settle_at": null,
  "receipt_last_printed_at": null,
  "security_code_verification": "MATCHED",
  "source": "PI6iQcTtJNCS8GZAVKYi5Ueb",
  "split_transfers": [
    "split_transfer_8fv2kE5eWtCvru1NG5gyRL",
    "split_transfer_8fvi9GJdhMbpWWJwKkHzct"
  ],
  "state": "SUCCEEDED", // [!code highlight]
  "statement_descriptor": "FLX*FLEX GYM",
  "subtype": "API",
  "supplemental_fee": null,
  "tags": {
    "tip": "50"
  },
  "tip_amount": null,
  "trace_id": "0db5b7cf-6fe3-4508-ac52-15b26b9b5e0a",
  "type": "DEBIT", // [!code highlight]
  "_links": {
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "self": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR8fezr4xCMFJvH5rzCqrUkF"
    },
    "merchant_identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID6NvZy42D7PChZL8GKKD87F"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR8fezr4xCMFJvH5rzCqrUkF/payment_instruments"
    },
    "reversals": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR8fezr4xCMFJvH5rzCqrUkF/reversals"
    },
    "fees": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR8fezr4xCMFJvH5rzCqrUkF/fees"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/transfers/TR8fezr4xCMFJvH5rzCqrUkF/disputes"
    },
    "source": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6iQcTtJNCS8GZAVKYi5Ueb"
    },
    "fee_profile": {
      "href": "https://finix.sandbox-payments-api.com/fee_profiles/FP9F2KEnY4wt1XjFvhLBJVjb"
    }
  }
}
```

Transfer - Canada
Transfer - EFT

```json Transfer - EFT
{
  "id": "PIrHuevkDx1FwLSy4ADkPiCz",
  "created_at": "2025-10-20T16:15:41.10Z",
  "updated_at": "2025-10-20T16:15:41.10Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "created_via": "API",
  "currency": "CAD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPR8RAHfXm1BMYYVJyHWHhw4J",
  "identity": "ID6UfSm1d4WPiWgLYmbyeo3H",
  "instrument_type": "BANK_ACCOUNT",
  "account_type": "PERSONAL_CHECKING",
  "bank_account_validation_check": "NOT_ATTEMPTED",
  "bank_code": null,
  "country": "CAN",
  "institution_number": "123",
  "masked_account_number": "XXXXX3123",
  "name": "John Smith",
  "transit_number": "12345",
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "BANK_ACCOUNT",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrHuevkDx1FwLSy4ADkPiCz"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrHuevkDx1FwLSy4ADkPiCz/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrHuevkDx1FwLSy4ADkPiCz/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIrHuevkDx1FwLSy4ADkPiCz/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID6UfSm1d4WPiWgLYmbyeo3H"
    }
  }
}
```

## Next Steps

Your seller has successfully charged their buyer, and is ready to collect their payout. Finix will create a Settlement resource to map transactions and fees to calculate and track your seller's payout.

Continue reading to learn the details of onboarding your sellers, processing their payments, and managing their payouts.