Store detail requirements

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Level 1	Level 2	Level 3	Type	Required	Description
`store_details`				Required	Relevant information associated with the store you are applying payment solutions for.
	`operating_models`		`array`	Required	The model of which our customers pay for their orders. One or more of `ONLINE_CHECKOUT`, `INVOICES_OR_CUSTOM_ORDER_LINKS`, `IN_PERSON`. See supported operating models for details.
	`store_name`		`string`	Required	The trading name your store is operating as. This name will also appear on the receipts to your customers. Max length is 64 characters.
	`store_websites`		`array`	Required if operating models include `ONLINE_CHECKOUT`; otherwise optional	All websites associated with the store you are applying payment solutions for. They must be in the same industry selling the same or similar goods and services, otherwise you will need to submit another application as a different store.
		`url`	`string`	Required if operating models include `ONLINE_CHECKOUT`; otherwise optional	URL of the store websites, including online store, marketplace stores, app-store links or other relevant websites.
	`store_description`		`string`	Required	Free text description of your store's goods or services offerings. Max length is 500 characters.
	`industry_code`		`string`	Required	The code of the industry category most aligned with your store. Navigate to the Supporting Services > Reference Data > Industry categories section for an endpoint to pull a tree of categories.
	`store_address`		`object`	Required if operating models include `IN_PERSON`; otherwise optional	Physical address of the store.
		`address_line1`	`string`	Required if operating models include `IN_PERSON`; otherwise optional	The first line of a physical address, typically including the street number and name of the building or residence. A P.O. box is not acceptable.
		`address_line2`	`string`	Optional	An optional field that can be used to capture additional information about the address, such as the apartment/suite number, or floor number.
		`country_code`	`string`	Required if operating models include `IN_PERSON`; otherwise optional	Country code. (2-letter ISO 3166-2 country code)
		`postcode`	`string`	Conditional	Postcode or zip code. Only applicable if relevant to selected country.
		`state`	`string`	Conditional	Name of state. Only applicable if relevant to selected country.
		`suburb`	`string`	Required if operating models include `IN_PERSON`; otherwise optional	Name of city/suburb.
	`estimated_transaction_volume`		`object`	Required	Your store's anticipated volume of transactions in the next 12 months with Airwallex.
		`currency`	`string`	Required	Currency of the transaction volume. (3-letter ISO 4217 currency code)
		`average_amount_per_transaction`	`string`	Required	The average transaction size of your store. Must be greater than 0 and less than or equal to `max_amount_per_transaction`.
		`max_amount_per_transaction`	`string`	Required	The maximum transaction size of your store. Must be greater than 0 and less than or equal to `monthly_transaction_amount`.
		`monthly_transaction_amount`	`string`	Required	The average monthly volume of your store. Must be greater than 0 and greater than or equal to `max_amount_per_transaction`.
	`cross_border_transaction_percent`		`string`	Required	Percentage of products or services provided to international customers residing outside of where your business is registered.
	`fulfillment_days`		`int`	Conditional	Number of days your customers will typically need to wait to receive their goods or services after paying for their orders; 1 - 3650
	`payment_distribution`		`array`	Required if the store has existing payment operations; otherwise optional	Anticipated transaction volume split by payment methods. Sum of distributions must be exactly 100.
		`payment_type`	`string`	Required if the store has existing payment operations; otherwise optional	Type of payment methods; one of `CARDS`, `BANK_DIRECT_DEBIT`, `OTHER`.
		`percentage`	`string`	Required if the store has existing payment operations; otherwise optional	Percentage of anticipated transaction volume. 0 - 100
	`dispute_percent`		`string`	Required if the store has existing payment operations; otherwise optional	Average dispute rate (percentage of total successful payments that are claimed as disputed charges by card schemes) of your store in the past three months. 0 - 100
	`refund_percent`		`string`	Required if the store has existing payment operations; otherwise optional	Average refund rate (percentage of total successful payments that are refunded to your customers) of your store in the past three months. 0 - 100
	`mcc`		`string`	Optional	Current or desired MCC for your store.
	`financial_statements`		`array`	Optional	Additional documents about your store's financials.
		`file_id`	`string`	Optional	ID of file as provided in the response from the File Service API.
	`store_photos`		`array`	Optional	Store photos of shop front clearly displaying the company name or photo of building entrance as well as directory with company name listed.
		`file_id`	`string`	Required	All relevant store photos, if more than one physical store, provide one photo of each.
	`employee_size`		`int`	Optional	Total number of staff in all stores.
	`additional_store_addresses`		`array`	Optional	Additional physical addresses of the store. Only applicable if `store_address` exists.
		`address_line1`	`string`	Optional	The first line of a physical address, typically including the street number and name of the building or residence. A P.O. box is not acceptable.
		`address_line2`	`string`	Optional	An optional field that can be used to capture additional information about the address, such as the apartment/suite number, or floor number.
		`country_code`	`string`	Optional	Country code. (2-letter ISO 3166-2 country code)
		`postcode`	`string`	Conditional	Postcode or zip code. Only applicable if relevant to selected country.
		`state`	`string`	Conditional	Name of state. Only applicable if relevant to selected country.
		`suburb`	`string`	Optional	Name of city/suburb.
	`sme_program_eligible`		`boolean`	Optional	Whether the merchant can be enrolled to SME special interchange fee programs.

Sample Payload

JSON

1{
2    "account_details": {
3        "store_details": {
4            "cross_border_transaction_percent": "50.0",
5            "dispute_percent": "0.5",
6            "estimated_transaction_volume": {
7                "average_amount_per_transaction": "10000.0",
8                "currency": "USD",
9                "max_amount_per_transaction": "20000.0",
10                "monthly_transaction_amount": "500000.0"
11            },
12            "financial_statements": [
13                {
14                    "file_id": "Yzc5YzlhZDctMjVjMC00MTc3LTkyODMtNDJhYjRjMzllN2JjLHwsaG9uZ2tvbmcsfCxpbWFnZSAoMTApLnBuZ18xNjk0NDA1MjE0MjM2"
15                }
16            ],
17            "fulfillment_days": 5,
18            "industry_code": "ICCV3_041501",
19            "mcc": "0763",
20            "operating_models": [
21                "ONLINE_CHECKOUT",
22                "INVOICES_OR_CUSTOM_ORDER_LINKS",
23                "IN_PERSON"
24            ],
25            "payment_distribution": [
26                {
27                    "payment_type": "CARDS",
28                    "percentage": "50.0"
29                },
30                {
31                    "payment_type": "BANK_DIRECT_DEBIT",
32                    "percentage": "50.0"
33                }
34            ],
35            "refund_percent": "5",
36            "store_address": {
37                "address_line1": "Stree nowhere, build 2",
38                "country_code": "AU",
39                "postcode": "12389",
40                "state": "NSW",
41                "suburb": "Sydney"
42            },
43            "store_description": "i sell toys",
44            "store_name": "my stores",
45            "store_websites": [
46                {
47                    "url": "https://www.airwallex.com"
48                }
49            ]
50        },
51        "business_person_details": [
52            ...more fields
53        ],
54        "business_details": {
55      ...more fields
56         },
57        "legal_entity_type": "BUSINESS"
58    },
59    "customer_agreements": {
60        "agreed_to_data_usage": true,
61        "agreed_to_terms_and_conditions": true,
62        "opt_in_for_marketing": true
63    },
64    "primary_contact": {
65        "email": "[email protected]"
66    }
67}
68

Additional Requirement for US Merchants

If your merchant is registered in the US, you'll need to submit the following additional requirements in account details to use payments.

US person information (account_details.business_person_details)
- At least one US person with SSN or ITIN is required (account_details.business_person_details.identifications.primary.tax_id.type)
- The US person can be one of the following role: AUTHORISED_PERSON, BENEFICIAL_OWNER, CONTROLLING_PERSON (account_details.business_person_details.roles)
- Date of Birth is mandatory (account_details.business_person_details.date_of_birth)
- Full address of the US person should be provided, including:
  - Address line 1 should mandatorily have a house number (account_details.business_person_details.residential_address.address_line1)
  - Postal code is mandatory (account_details.business_person_details.residential_address.postcode)
  - Two-letter state code is mandatory if it's a US state e.g. CA for California (account_details.business_person_details.residential_address.state)
Primary contact details
- Contact email is mandatory (primary_contact.email)
- Contact mobile number is mandatory (primary_contact.mobile)

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