Verification statuses
Learn which statuses show where your merchants are in verification, and what they can do.
Every merchant has a set of statuses that show how far it is through verification, and what it can do, for example whether payouts are enabled. Datman sets these statuses based on the results of the verification checks.
To get the statuses of a merchant, you can:
- Make a Get onboarding status request to get the onboarding status of each area, with the outstanding issues.
- Make a Get merchant account status request to get the merchant status, and the account and payout status.
- Make a List onboarding status for the reseller's merchants request to get the onboarding status of all your merchants at once.
Onboarding areas
Datman verifies each merchant in separate areas. Each area has its own status field.
| Area | Status field | Description |
|---|---|---|
| Business | business_status | Whether the business details are verified. |
| Owners | owners_status (owner_status in the portfolio list) | Whether the owner details are verified. |
| Bank | bank_status | Whether the bank account details are verified. |
| Terms of service | tos_status | Whether the merchant has accepted the terms of service. |
| Payouts | payout_status | Whether payouts are enabled for the merchant. |
| Account | account_status | Whether the merchant's account is active, or closed or suspended. |
A merchant is fully verified when its business, owner and bank details are verified, it has accepted the terms of service, its account is active and payouts are enabled.
When an area is not verified, the onboarding status lists what is needed in missing_details (grouped by category, for example bank issues) and in the errors array.
Verification tiers
Until your merchant is fully verified, they are on a verification tier. The tier is in the verification_tier field.
| Tier | Description |
|---|---|
| Tier 1 | The merchant has processed up to 1,000 in total. Bank account details and personal details are required. |
| Tier 2 | The merchant has processed more than 1,000, up to 5,000 in total. Business details and ID documents are also required. |
Above 5,000, supporting bank documents are also required to be fully verified. For the full rules, see Staggered onboarding.
Status values
In the portfolio list, the status fields are numbers. The following table explains the values.
| Status field | Possible values | Description |
|---|---|---|
business_status, owners_status, bank_status | 0, 1, 2, 3 | 1: the details are verified. 0: the checks found a problem that your merchant must fix. 2: no problems were found, but some details are still missing. 3: the details are complete, but documents are still missing. |
tos_status | 0, 1 | 1: the terms of service are accepted. 0: the terms of service are not accepted yet. |
payout_status | 0, 1 | 0: payouts are not enabled. Any other value: payouts are enabled. |
account_status | 0, 1 | 0: the account is closed or suspended. Any other value: the account is active. |
Merchant status
The merchant status is the overall status of the merchant record in Datman. It is in the status field of the account status response.
| Status | Description |
|---|---|
| Not Submitted | The merchant's onboarding details have not been submitted yet. This is the status of a new merchant. |
| Merchant pending | The merchant is pending. |
| Verified | The merchant is verified. |
| Active | The merchant is active. |
| Watchlist | The merchant is on a watchlist. |
| Closed | The merchant is closed. |
| Rejected | The merchant is rejected. |
The API can also return a pending status that is specific to one acquirer. See the API Explorer for the exact value.
The same response also contains:
| Field | Possible values | Description |
|---|---|---|
account_verification_status | Verified, Unverified | Whether the merchant account is verified. |
bank_verification_status | Verified, Unverified | Whether the merchant's bank account is verified. |
verification_status.account_status | For example ACTIVE, or null | The status of the merchant's account. null if it isn't available. |
verification_status.payout_status | ACTIVE, INACTIVE, null | ACTIVE when payouts are enabled for the merchant. INACTIVE when they are not. null if it isn't available. |
verification_status.issues | List of text | Outstanding verification problems, written for people. When the list is not empty, your merchant must fix them. |
verification_status.verification_tier | For example T1 | The merchant's verification tier. |