Set a merchant's profile

PUT/api/v1/credit/merchant-profile

Name the merchant as on POST /credit/bank-feeds (program_id and external_merchant_id, or credit_line_id); DayZero uses its business, creating it the first time, and gives your token read access to it. Records the merchant's start date (business_started_on), legal form, NAICS code, MCC, industry, country and currency. Fields left out keep what an earlier call set. months_in_business reads the declared start date first (evidence.basis: declared); without one it infers the age from the first Shopify order or bank transaction (basis: inferred). The currency becomes the business's while its books are empty.

Operation ID: put_credit_merchant_profile·View as markdown·OpenAPI slice

Authentication

Bearer token authentication. Pass your DayZero API token in the Authorization header and the target business UUID in x-business-id.

Request body

Schema: MerchantProfileRequest

program_idstring: Your program the merchant is applying under. Required without credit_line_id; with it, must be the line's program if sent.
external_merchant_idstring: Your id for the merchant, as on POST /credit/bank-feeds and POST /credit/lines. Required without credit_line_id.
credit_line_idstring: The merchant's open line, when there is one.
merchant_legal_namestring: Names the merchant's DayZero business when this call creates it. Ignored when the business exists.
merchant_business_idstring: The merchant's existing DayZero business, when your token can reach it. Leave it out and DayZero uses the business the merchant was linked to before, or creates one.
business_started_onstring · date: When the business started trading (its founding date). months_in_business reads it before any date it can infer from the data (basis: declared). Not in the future.
legal_entity_typestring: The merchant's legal form.
naics_codestring: NAICS industry code, 2 to 6 digits.
mccstring: The merchant's own card-acceptance MCC, 4 digits.
industrystring: Free-text industry, e.g. apparel or restaurant.
countrystring: ISO 3166-1 alpha-2 country the merchant trades from.
currencystring: ISO 4217 currency the merchant's books are kept in. Applied to the merchant's business while it holds no journal entries; after that it is recorded and currency_applied is false.

Responses

200Successful Response

Schema: SuccessEnvelope_MerchantProfileResponse_

successboolean
messagestring
codestring
dataMerchantProfileResponse

400Bad Request - Invalid input

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

401Unauthorized - Missing or expired token, an MCP OAuth token used against the REST API, or no access to this business

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

403Forbidden - Insufficient permissions

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

404Not Found - Resource does not exist

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

422Validation Error

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

Code samples

PUT/api/v1/credit/merchant-profile

bash

curl -X PUT 'https://api.ondayzero.com/api/v1/credit/merchant-profile' \
  -H 'Authorization: Bearer dz_your_token' \
  -H 'x-business-id: YOUR_BUSINESS_ID' \
  -H 'Content-Type: application/json' \
  -d '{
  "program_id": "string",
  "external_merchant_id": "string",
  "credit_line_id": "string",
  "merchant_legal_name": "string",
  "merchant_business_id": "string",
  "business_started_on": "2026-01-01"
}'