Onboard Merchants

 

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Link is currently available in stage only.

Merchants may be onboarded from three different sources, as determined by your contract with WePay:

  • Direct Referrals: SMBs which organically discover your platform’s services and initiate Chase Integrated Payments signup on their own.
  • Customer Referrals - Chase sales: If included in your platform contract with WePay, the Chase SMB sales team will refer SMBs which are a good fit for your platform.
  • Customer Referrals - Chase marketing: If included in your platform contract with WePay, your platform will be included in Chase marketing materials in order to generate web traffic from interested SMBs.

The WePay Link Merchant Onboarding experience is outlined in this article.


Registration

 

Onboarding Direct Referral SMBs will first create their account with your platform. To start the onboarding flow, you’ll host a button for the SMB to activate payments. The button should be prominent in your UI so that merchants know they must click it to start processing payments. This button uses the URL provided to your platform by WePay and will direct the SMB to the WePay hosted Chase Integrated Payments registration form.

Onboarding Customer Referrals - Chase marketing SMBs will be directed to a WePay-hosted Chase Integrated Payments signup form from Chase marketing.

The registration form for Customer Referrals - Chase sales will be completed internally by the Chase sales team.

Once an SMB has registered for their Chase Integrated Payments account, they can begin accepting payments. Additional steps will be required to grant your platform access to the SMB’s Chase Integrated Payments account, and for the SMB to continue accepting payments. These requirements are outlined below:


Confirmation

 

Upon registration, WePay will direct the SMB to find a confirmation email to complete their Chase Integrated Payments account set up. All onboarding SMBs must click through the confirmation email and set their Chase Integrated Payments account password.


KYC and Settlement

 

After the password has been set, SMBs will be presented with KYC and settlement forms. Submission of these forms is not required up-front, but it is required within the standard account life cycle time frames.


Merchant Center

 

After submitting or skipping KYC and settlement forms, the SMB will be introduced to the Chase Integrated Payments merchant center (hosted by WePay). This is where SMBs will be able to self-serve:

  • Account Management
    • Set password
    • Manage security settings (2FA)
    • Complete KYC
  • Set/update settlement bank
  • View transaction activity
  • Issue refunds
  • Manage chargebacks
  • View standardized reports for transaction activity and settlement

Platform Handoff

 

Up until this point, SMBs from the Customer Referral flows have not started registration with your platform. To this end, you must provide a global registration URL to WePay.

WePay will direct all SMBs (Direct and Customer Referral) to your registration URL, appended with the SMB’s account ID. For example, if your platform provides http://www.yoursite.com to WePay, WePay will provide an account ID like so:

http://www.yoursite.com/?acct=9fc07d7e-5bd9-47b6-b2c6-92c09fee0f6d

Your platform must build out logic to present Customer Referral SMBs with a registration flow and Direct Referral SMBs with a login flow.

WePay will send automated reminder email to SMBs which still need to go through the above hand off and complete registration on your platform until you make a POST /accounts/{id} request with the following parameter:

{
    "platform_onboarding_time": "[insert-unix-timestamp]"
}

Platform Sign Up

This step is only applicable to Customer Referral SMBs.  

Once you have a WePay account ID for the Customer Referral SMB, retrieve the associated WePay Legal Entity ID by making a GET /accounts/{id} request and pulling the owner.id value from the API response. Your request will look something like this:

curl -X GET \
 /accounts/d3f61e56-5d99-4895-af2d-a07ab48476e9 \
 -H "App-Id: 121212" \
 -H "App-Token: prod_MTAwXzk5OWIwZT666LWYwNWItNDU4MS1iZjBiL" \
 -H "Api-Version: 3.0" \
 -H "Content-Type: application/json" \

Next, provide a fast-track verification experience for these SMBs by making a GET /legal_entities/{id} request:

curl -X GET \
 /legal_entities/b116768c-dac0-4ef1-8024-7d3056c6b186 \
 -H "App-Id: 121212" \
 -H "App-Token: prod_MTAwXzk5OWIwZT666LWYwNWItNDU4MS1iZjBiL" \
 -H "Api-Version: 3.0" \
 -H "Content-Type: application/json" \

This will allow you to remove redundant data-entry requests from the merchant experience on your platform based on the API response.


Next Up: Now that onboarded your first merchant, you are ready to start Processing Payments. Questions? Need help? Visit our support page!