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POST
Create Sub-Merchant

Authorizations

X-API-KEY
string
header
required

Body

application/json

Merchant to onboard

external_reference
string
required

External reference for this resource.

name
string
required

Display name.

owner
object
required

Owner for this resource. owner.phone must be a verified E.164 mobile.

address
object

Postal address. Country and city are required when present.

country_of_incorporation
string

alpha-3

dba_name
string

Dba name for this resource.

end_user_ip
string

EndUserIP is the merchant's own IP at signup, which ZBX documents as "required for risk assessment and compliance" on user registration.

Optional here because only the partner can know it: this is a server-to-server call, so the connecting address is their backend, not the merchant's browser. Absent falls back to that connecting address — which keeps working, but feeds ZBX's risk engine a datacenter IP. A partner who can supply the real one should.

Top-level rather than on the shared owner object: it means nothing on the self-custody path and does not belong in its contract.

LegalName is the optional field that earns its keep here: it becomes zbx.expected_holder_name, which is how an inbound IBAN — a payload carrying no uid — gets attributed to this merchant. Absent falls back to Name.

mcc
object

Mcc for this resource. Optional, but all three sub-fields are required when it is present — a half-filled MCC is a mistake, an absent one is a choice.

mid
string

Mid for this resource.

partner_id
string

Identifier of the partner organisation, when this org is under a partner.

payment_fee_pct
number

Payment fee percentage.

principal_place_of_business
string

alpha-3 country code

registration_number
string

Registration number for this resource.

settlement_accounts
any[]

Accounts exists only to be rejected, and is untyped so that any shape gets the explanation below rather than a binding error about a missing sub-field.

webhook_url
string

HTTPS URL that receives webhook events.

Response

OK

data
object

The merchant organisation.

error
boolean

True when the request failed.

message
string

Human-readable status or error message.