Mandatory Data per CDD-Level

name

The company name or abbreviation.

Mandatory

Mandatory

legalName

The company name as it is officially incorporated.

Mandatory

Mandatory

incorporationAddress

The address of the company where it is officially incorporated.
All address fields need to be provided:

• street
• city
• postalCode
• country

Mandatory

Mandatory

operationAddress

The address of the company where it is operating from.
If provided all address fields need to be provided:

• street
• city
• postalCode
• country

Optional.
To be provided if different from the incorporation address.

Optional.
To be provided if different from the incorporation address.

billingAddress

The billing address of the company.
If provided all address fields need to be provided:

• street
• city
• postalCode
• country

Optional.
To be provided if different from the incorporation address.

Optional.
To be provided if different from the incorporation address.

legalForm

The legal form of the company.
Options to choose from:

• NonProfitCorporation
• Partnership
• PrivateCompany
• PublicListedCompany
• SoleProprietor
• SoleTrader
• Trust
• UnincorporatedAssociation

Mandatory

Mandatory

merchantCategoryCode

The MCC code which identifies the type of business conducted as ISO 18245 4-digit code (https://en.wikipedia.org/wiki/ISO_18245).

Optional
If not provided, the merchant cannot be qualified for Fast Onboarding Flow (see Fast Onboarding).

Optional
If not provided, the merchant cannot be qualified for Fast Onboarding Flow (see Fast Onboarding).

pciLevel

The Payment Card Industry level of the merchant. The PCI Level of a merchant can be either 1, 2, 3 or 4. See Required Documents for more information about PCI levels and the related documents.

Mandatory

Mandatory

incorporationDate

The exact starting date of the corporation, as it appears on the company registry of the country of incorporation.

Mandatory

Mandatory

incorporationNumber

The federal number assigned to the business in the company registry at the time of incorporation.

Mandatory
For merchants with legalForm = SoleTrader or SoleProprietor it could be that no incorporation number was assigned during incorporation. In such a case "n/a" is accepted.

Mandatory

taxNumber

The Taxpayer Identification Number (TIN) of the primary location in which the merchant is doing business.

Mandatory

Mandatory

paymentMethodConfig.useAccountStatusInquiry

The information if Account Status Inquiry is required (true) or not (false).
If true, the Card Verifications payment methods will be activated for this merchant in the PXP Financial processing system.
Default if parameter is not sent is false.

Has to be provided as "true" if Account Status Inquiry is needed.
If not needed, parameter need not be sent (default = false).

Has to be provided as "true" if Account Status Inquiry is needed.
If not needed, parameter need not be sent (default = false).

baseCurrencyCode

The reporting currency of the merchant as ISO 4217 3-digit code (https://en.wikipedia.org/wiki/ISO_4217). Used in PXP Financial reports for aggregating authorized amounts in different currencies. If not provided, the default value is EUR.

Optional

Optional

estimatedMonthlyVolumeInEUR

An amount in EUR greater than zero that gives an indication of the expected monthly turnover of the merchant.

Mandatory

Mandatory

lowestAmountPerTransactionInEUR

An amount in EUR greater than zero that gives an indication of the minimum limit for authorized amounts.

Optional

Optional

highestAmountPerTransactionInEUR

An amount in EUR greater than zero that gives an indication of the maximum limit for authorized amounts.

Optional

Optional

averageAmountPerTransactionInEUR

An amount in EUR greater than zero that gives an indication of the average authorization amounts.

Mandatory

Mandatory

estimatedNumberOfTransactionsPerMonth

An estimate about the number of authorizations per month (greater than zero).

Optional

Optional

isStartup

The information if the merchant is a start up company (true/false).

Depending on the value of this parameter some documents and questions become mandatory or optional.

See Additional Onboarding Questions and Required Documents for more information.

Mandatory

Mandatory

isChargebackOrFraudAnalysisProcessInPlace

The information if the merchant has a chargeback or fraud analysis process in place.

Mandatory

Mandatory

isRegulatedByAMLGuideline

The information if the merchant’s business is regulated by AML guidance.

Mandatory

Mandatory

settlementCurrencies

A list of all currencies required for settlements.
PXP Financial currently supports the following settlement currencies: EUR, GBP, USD, NOK, SEK, DKK, PLN, CHF, JPY, CAD and AUD.

Optional

Optional

fraudRatiosForThePastMonths

A list of fraud ratios for the last three months for the specific card schemes (Visa, Mastercard), expressed in percentage. Applicable for merchants that are already accepting cards.

Note: If the business is a startup (isStartup=true) then 0% can be provided.

Mandatory

Mandatory

chargebackCountRatiosForThePastMonths

A list of chargeback count ratios for the last three months for the specific card schemes (Visa, Mastercard), expressed in percentage. Applicable for merchants that are already accepting cards.

Note: If the business is a startup (isStartup=true) then 0% can be provided.

Mandatory

Mandatory

companyPhoneNumber

The primary phone number to be used to contact the merchant.

Mandatory

Mandatory

licenseOrAuthorizationNumber

The number of the license/authorization held by the merchant, if such a license is required to operate the business.
Notes:

• If a license number was provided, then a document with type BusinessLicense is needed.
• If no license number was provided, the question NoLicenseOrAuthorizationNumberProvided has to be answered. See Additional Onboarding Questions for more information.

Mandatory if MCC is 7995, 6012, 6051, 6211, 5912

Mandatory if MCC is 7995, 6012, 6051, 6211, 5912

businessLicenseExpirationDate

The date when the business license/authorization expires. Only needs to be provided in case such a license is required to operate the business.

Mandatory if MCC is 7995, 6012, 6051, 6211, 5912

Mandatory if MCC is 7995, 6012, 6051, 6211, 5912

deliveryOrFulfillmentTimeframe

The delivery or fulfilment time for the items/goods/services that are sold by the merchants shops.
Options to choose from:

• Instant
• UpTo7
• UpTo14
• UpTo30
• MoreThan30

Mandatory

Mandatory

vatNumber

The value added tax identification number or VAT identification number (VATINT) of the primary location in which the merchant is doing business.
Used for billing purposes and has to be provided if exists for a merchant.

Optional

Optional

preScreenMerchantId

The unique identifier of the approved PreScreenMerchant element which was received in the response of a newPreScreenMerchant request (if applicable). Used for verifying that the pre-screened Merchant was approved.

Optional, but has to be provided in case the optional pre-screening was done before.

Optional, but has to be provided in case the optional pre-screening was done before.

partnerId

The id of the partner that is submitting this onboarding request. This id is assigned upon partner onboarding and should be used for all applications.

Mandatory

Mandatory

shops

All shops that should be registered for the merchant, see mandatory parameters below.

At least one shop is mandatory.
For every merchant one or more CNP-shops can be registered, but only one CP shop is allowed.

At least one shop is mandatory.
For every merchant one or more CNP-shops can be registered, but only one CP shop is allowed.

relatedPeople

All related people that should be registered for the merchant.

Mandatory parameters are described below.

Mandatory parameters are described below.

relatedCompanies

All related companies that should be registered for the merchant.

Mandatory parameters are described below.

Mandatory parameters are described below.

bankAccounts

All bank accounts that should be registered for the merchant.

Mandatory parameters are described below.

Mandatory parameters are described below.

questionAnswerPairs

Answers for all mandatory questions.

Mandatory parameters are described in section Onboarding Questions.

Mandatory parameters are described in section Onboarding Questions.

name

The name of the shop or an abbreviation.

Mandatory

Mandatory

cardAcceptanceMode

The information if the Shop operates in card present (CP) or card not present (CNP) mode. Used for setting up the Shop correctly with the Card Schemes.
Options:

• CP
• CNP

If card not present (CNP) is selected, the following parameters are mandatory:

• isMotoOnlyBusiness
• url
• domainOwnership
• activationState

Mandatory

Mandatory

isMotoOnlyBusiness

The information if a card not present (CNP) shop processes only MOTO transactions (=true, otherwise false).

If card not present (CNP) is selected in cardAcceptanceMode and isMotoOnlyBusiness=false, the following parameters (see below rows) become mandatory:

• url
• domainOwnership
• activationState

Mandatory if cardAcceptanceMode = CNP. For cardAcceptanceMode = CP not applicable.

Mandatory if cardAcceptanceMode = CNP. For cardAcceptanceMode = CP not applicable.

url

The URL of the shop's main website where the items/goods/services are sold if cardAcceptanceMode equals CNP (ecommerce). The URL of the company website can be provided in this field if cardAcceptanceMode equals CP (POS).

Mandatory if cardAcceptanceMode = CNPandisMotoOnlyBusiness=false`.

Mandatory if cardAcceptanceMode = CNPandisMotoOnlyBusiness=false`.

domainOwnership

The information if the domain is owned by the merchant or its belongs to a retail platform.
Options to choose from:

• Own
• RetailPlatform

Mandatory if cardAcceptanceMode = CNPandisMotoOnlyBusiness=false`.

Mandatory if cardAcceptanceMode = CNPandisMotoOnlyBusiness=false`.

activationState

The information if the provided URL is already live or still in a test or beta mode.
Options to choose from:

• LiveAcceptingCards
• LiveNotAcceptingCards
• Test
• BetaVersion

Mandatory if cardAcceptanceMode = CNPandisMotoOnlyBusiness=false`.

Mandatory if cardAcceptanceMode = CNPandisMotoOnlyBusiness=false`.

countryCode

The country code of the country out of which this website operates or does the main business.

Mandatory

Mandatory

billingDescriptor1

The name of the Shop in a way the customer recognizes it. Used for card transactions and will appear on the 1st line of the billing descriptor.

Mandatory

Mandatory

billingDescriptor2

Usually the location out of which the shop operates. Used for card transactions acquired by PXP Financial and will appear on the 2nd line of the billing descriptor.

Mandatory

Mandatory

volumeSpreadByProcessing

An indication how the volume is expected to be distributed across different types of transactions. Expressed in percentage which needs to sum up to 100. Allowed only for shops where cardAcceptanceMode equals CNP (ecommerce).

Mandatory if cardAcceptanceMode = CNP`.

Mandatory if cardAcceptanceMode = CNP`.

volumeSpreadByRegion

An indication how the volume is expected to be distributed across regions. Expressed in percentage which needs to sum up to 100.

Mandatory

Mandatory

volumeSpreadByScheme

An indication how the volume is expected to be distributed across schemes. Expressed in percentage which needs to sum up to 100.

Mandatory

Mandatory

questionAnswerPairs

Answers for all mandatory questions.

Mandatory parameters are described in section Onboarding Questions.

Mandatory parameters are described in section Onboarding Questions.

preScreenShopId

The unique identifier of the approved PreScreenShop element which was received in the response of a newPreScreenMerchant request (if applicable). Used for verifying that the pre-screened Shop was approved.

Optional, but has to be provided in case the optional pre-screening was done before.

Optional, but has to be provided in case the optional pre-screening was done before.

roles

A list of roles the person holds.
Options to choose from:

• Owner
• Shareholder
• DirectorOrExecutive
• UltimateBeneficiary
• OperationalContact
• TechnicalContact
• Signatory

Mandatory

Mandatory

firstname

The persons first name.

Mandatory

Mandatory

lastname

The persons last name.

Mandatory

Mandatory

address

The address of the person.
If provided all address fields need to be provided:

• street
• city
• postalCode
• country

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

phoneNumber

A landline or mobile number where the person can be contacted, including country prefix.

Mandatory if role is TechnicalContact or OperationalContact.

Mandatory if role is TechnicalContact or OperationalContact.

dateOfBirth

The date of birth of the person.

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

skypeName

The skype contact, if available.

Optional

Optional

email

The persons valid email address. Used for contacting this person by PXP Financial if necessary. Required for roles TechnicalContact and OperationalContact.

Mandatory if role is Owner, Shareholder,
DirectorOrExecutive, UltimateBeneficiary, TechnicalContact, OperationalContact, Signatory

Mandatory if role is Owner, Shareholder,
DirectorOrExecutive, UltimateBeneficiary, TechnicalContact, OperationalContact, Signatory

shareOrOwnershipPercentage

A percentage amount that indicates the ownership participation of the person.

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

passportOrGovernmentNumber

The unique identifier of the persons Passport or government number.

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

passportOrGovernmentIDExpirationDate

The date when the passport or the government-ID expires.

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

isListedOnPEP

The information if the related person is listed on PEP. PEP is short for "politically exposed person", a natural person who is or who has been entrusted with prominent public functions.

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

Mandatory if role is Owner, Shareholder, DirectorOrExecutive, UltimateBeneficiary, Signatory

roles

A list of roles that this company takes in the context of this application.

Options to select from:

• Owner
• ExclusiveOwner
• Shareholder
• UltimateBeneficiary
• ExclusiveShareholder

Mandatory

name

The legal company name.

Mandatory

incorporationAddress

The address of the company where it is incorporated.
All address fields need to be provided:

• street
• city
• postalCode
• country

Mandatory

taxNumber

The taxpayer Identification Number (TIN) of the company.

Mandatory

incorporationDate

The exact starting date of the corporation, as it appears on the company registry of the country of incorporation.

Mandatory

incorporationNumber

The federal number assigned to the business in the company registry at the time of incorporation.

Mandatory

shareOrOwnershipPercentage

A percentage amount that indicates the ownership participation of the company.

Mandatory if role is Owner, Shareholder or UltimateBeneficiary.

bankName

The name of the bank at which this account is held.

Mandatory

accountNumber

The account number of the bank account. Should only be provided if the account does not have an IBAN.

IBAN/BIC or AccountNumber/BankCode need to be filled for every bank account. IBAN/BIC is preferred where available.

bankCode

The bank code of the bank at which this account is held. Should only be provided if the account does not have a BIC code.

IBAN/BIC or AccountNumber/BankCode need to be filled for every bank account. IBAN/BIC is preferred where available.

countryCode

The country code for the country in which this account was created.

Mandatory

currencyCode

The currency code for the currency in which the account is held.

Mandatory

holderName

The name of the person that is registered as the account holder.

The holderName of the bank account needs to be exactly the same as either

• the legal name of the merchant (field legalName of the merchant) or
• the name of a RelatedCompany with the role ExclusiveShareholder or ExclusiveOwner (direct 100% shareholder).

Mandatory

iban

The IBAN of the bank account.

IBAN/BIC or AccountNumber/BankCode need to be filled for every bank account. IBAN/BIC is preferred where available.

bic

The BIC code of the bank at which this account is held.

IBAN/BIC or AccountNumber/BankCode need to be filled for every bank account. IBAN/BIC is preferred where available.