Merchant Signup Form

Our platform offers an out-of-the-box Merchant boarding solution using our fully integrated Signup Form for new Merchant boarding.

“Sign Up” links to the Signup Forms are created as part of your white labeling process with your domain. These can be added to your site or application, as well as sent out via email to prospective Merchants.

Signup Forms are fully customizable to match your company logo and theme.
The Signup Form requires no backend engineering on your part.

By setting up a white-label instance, you will also have the ability to adjust the header message and add a reCAPTCHA verification key to your Signup Form.

You can add customizations to the Signup Form by working with the Payrix team directly and ensuring your new Merchants experience a seamless boarding process.

For example, include a custom pricing and fees Group that will apply to any Merchant that signs up via your form. You can also create multiple Signup Forms with varying customizations to match agreements with different Merchants.

Signup Form Features

The Merchant Signup Form offers the following features with no backend development work.

Add custom fields for your Merchants to complete when signing up
Require the upload of specific documents or signatures from Merchants directly on the Signup form.
Add custom agreements and/or terms to your Signup process
Import information from earlier pages in the Signup form. (Like “Owner” information.)
Instantly verify your Merchants' banking information as they sign up with our Plaid integration.
“Success” and “Error” icons within the Signup Form indicate each requirement is met.
The "Finish Later" button allows Merchants to save their signup progress and return at a later time.
Fully customizable background, sub-headers, and error text to match your company logo and theme.

Signup Form Layout

The Signup Form is made up of information submitted by the Merchant about their Business Entity, Owners, Bank Account for Transactions, and Legal Compliance Agreements using the four sections below:

About The Business

This section requests the basic information about the business formation as well as setting the primary parent user login for Merchant (username and password).

About The Owner

This section requests information regarding the stakeholders/owners of a company. This includes owner(s) personal information such as email address, mailing address, phone number, and date of birth.

Add Bank Account

This section requests bank account information for the Merchant’s business account. This requires a routing number, account number, and account type. With Plaid, a new Merchant will be prompted to log in to their online banking within a secure hosted form and link the account directly to Payrix. This eliminates the need for them to manually type their account or routing information and ensures the account is validated and will not have any funding issues once processing begins.

Terms and Conditions

This section can be used to request signatures or documents from Merchants, as well as to receive agreement and review from the Merchant regarding the platform’s terms and disclosures.

Note: A distinctive feature of Canadian-based Signup Forms is the provision of an extra Fee Disclosure confirmation for the Merchant. This confirmation ensures that they have read, agreed to, and consented to the Fee Disclosures outlined in the Merchant Terms and Conditions. These disclosures are linked within the Signup Form to ensure continuous compliance with Canadian regulatory requirements.

Create a Signup Form

Use the steps provided below to create a new Merchant Signup Form:

From the Portal Dashboard, click Signup Forms from the Forms tab in the menu bar.
Click the Add Merchant Form button in the upper right-hand corner of the Signup Forms menu.
In General Settings, you’ll have access to modify the following configurations:
- Page Settings - Set the essential information of the Signup Form, including name, code, environment, and active/inactive status.
- Header Fields - Set the values that will appear in the header of the Signup Form.
- Styling - Set the background, text, and error message colors for the Signup Form.
- Advanced - Set the option to toggle “Save and Return” to complete submitting a Merchant Signup Form at a later time with saved data entries repopulated.
- Fees - Designates information about the Referrer entity collecting fees from the Merchant.
- Partner Configuration - Set Merchant entity associations to Groups, Divisions, and Parent Logins.
- Partner Login Configurations - Set Merchant user association with Teams, Access Templates and redirect URL for what occurs after a Signup Form is successfully submitted
In Business Info, define your Business Field Configurations or add Custom Business Fields to your form.
In Ownership Info, define your Principal Field Configurations or add Custom Ownership Fields to your form’s About the Owner section.
In Banking Info, define your Business Field Configurations (including using our Plaid integration), or add custom fields to your form’s Add Bank Account section.
In Terms & Disclosures, define your Terms and Conditions (including required document upload or signature), or add custom fields to your form’s Terms & Conditions section. At the bottom of the Terms & Disclosures menu, click the CREATE SIGNUP FORM button To create the Signup Form.
You’ll be taken back to the Signup Forms menu of the portal where your newly-created Merchant Signup Form will be available at the top of the menu’s list.
Click the three dots on the right-hand column next to your newly created form to copy the link.

Tip: You can post this use this link to create a redirect from your business website to a branded Signup Form.

Signup Form Setup Parameters

The Signup Form offers five primary parameter configuration options to customize your Signup Form:

General Settings - The general look, feel, and set actions for the Signup Form
Business Info - The required business signup fields, allowed MCCs & countries, custom fields setup, and notes about the Merchant legal entity.
Ownership Info - The required Merchant owner(s) section signup fields, custom login confirmation message, custom fields setup, and notes about the Merchant business owner(s).
Banking Info - Enable Plaid for linking bank accounts, document upload, multiple account addition, custom form messages, custom fields setup, and notes for the Merchant's bank account(s).
Terms & Disclosures - Set, review and customize the agreements for platform usage that Merchants must review and agree to to complete the Signup Form.

See the tables below for more information about each Signup Form setup parameter available in the Portal.

General Settings Parameters

The General Settings section is essential for tailoring the Merchant Signup Form to your brand and operational needs. It includes configurations that shape the signup experience for Merchants. Adjusting these settings enhances onboarding to reflect your business and improve perceptions of your version of the Signup Form. This section optimizes the signup process, making it more intuitive and aligned with your objectives.

General Settings	Parameter	Description	Notes & Valid Values
Page Settings	Name	Name that will appear in the table listing and search for forms.
	Code (Autogenerated)	Auto-generated URL Path to the unique Signup Form.	This can be modified to be a custom URL path but is auto-generated by default.
	Signup Mode	The environment that the Signup Form will board the Merchant to.	Valid Values: Production Sandbox
	Inactive	Whether or not the Signup Form is Active.	If set to “Inactive”, Merchants will not be able to access or utilize it. However, it can be changed back to “Active” at any time.
Header Fields	Form Header	The heading text that will appear on the Signup Form.
	Form Header Logo	The image that will appear as a logo in the Signup Form heading.	The header that will appear on the Signup Form.
	Subtitle	The subtitle that will appear below the custom header text that will appear on the Signup Form heading.
Styling	Background color	The background color for all Signup Form pages.
	Text Color	The text font color for all labels and section headers.
	Error Text Color	Font color for all error indicator text
Advanced	Save & Return	Display the “Finish Later” button, save form data, and allow the user to return later with data intact	Valid Values: Yes No
Fees	Fee Collecting Entity	The entity that will be collecting the fees set on this Signup Form.
	Name	Custom fee name.
	Schedule	The event or time interval that triggers the fee collection.	Valid Values: Days Weeks Months Years Single Auth Reverse Auth Capture Refund eCheck Sale eCheck Refund eCheck Return Board Payout Chargeback Retrieval Arbitration Overdraft Interchange Processor Achfail Account Settlement Account Updater Update Account Updater Group Update Realtime Business Search Realtime Member Search MasterCard Match Business Instant ID Consumer Instance ID Threat Metrix Legit Script Equifax Consumer Report CharityCheck Internal Decision V2 TIN Check GIACT Echeck Verification GIACT Account Verification FANF MCLocation VisaIntegrity Safer Payments Safer Payments - Basic Safer Payments - Managed Safer Payments - PCI Non-Validation OmniToken Volume Valutec Valutec - Essential Gift Package Valutec - Essential Gift Package + Transactions Valutec - Digital Gift Plus Package Valutec - Digital Gift Plus Package + Transactions Valutec - Loyalty Gift Plus Package Valutec - Loyalty Gift Plus Package + Transactions Valutec - Transaction Valutec - Valutec Setup Valutec - Gift ACH Pooling Valutec - Jump Start Kit (100 cards) Valutec - Launch Box Kit (50 cards) Valutec - 500 Custom Cards Valutec - Maintenance Fee Valutec - Digital Gift Card Mass Enablement Network Payment Token Revenue Boost / Network Token - Monthly Fee Revenue Boost / Network Token - Price Per Transaction Qualification Tiered Pricing Schedules Tier Non-Qualified Count Tier Qualified Count Tier Mid Qualified Count Tier High-Risk Count Tier Non-Qualified Voume Tier Qualified Volume Tier Mid Qualified Volume Tier High-Risk Volume Auth Closed Capture Closed Refund Closed Interchange Closed eCheck Sale Closed eCheck Refund Closed Settlement Closed Revers Auth Closed
	Type	The type of fee calculation whether dollar amount (Actual) or percentage.	Valid Values: Actual Percentage
	Amount	The amount set for the type.	Example: 20.00 = 20% or $20.00 depending on the “Type” value.
Partner Configuration	API Key	The API Key to be associated with boarding Merchants.	Must be a valid API key, but will be auto-populated based on the user accessing the General Settings page for this Signup Form.
	Merchant's Group	Group(s) that the Merchant should inherit upon creation
	Parent Login	The individual Referrer-level user associated with the boarding Merchant.
	Division	The Referrer portfolio (Division) that the Merchant using the Signup Form will be boarded to.
Partner Login Configurations	Portal Access	Determines if the user will be allowed to create credentials for the portal on the signup.	Valid Values: Yes No
	Login	The Merchant-level user associated with the boarding Merchant
	Access Template	A template of user permissions to assign to the login a user creates.
	Signup Complete Redirect	Select a redirection site for when a Merchant completes a submission.	Valid Values: No Redirect Login Page Custom URL Custom Page
	Teams	Set the Team to associate the individual user login to.

Business Info Parameters

The Business Info section is crucial for gathering essential details about Merchants, ensuring their profiles are accurate. It includes parameters that provide vital information for effective underwriting. This section emphasizes the specifics of the Merchant's business, offering insights necessary for risk assessment and decision-making. Utilizing the Business Info parameters allows for a deeper understanding of Merchants' operations, facilitating informed underwriting decisions and effective communication.

Business Info	Parameter	Description	Notes & Valid Values
Business Field Configurations	Business Type (e.g. LLC)	Toggle to display this field on the Signup Form.
	This is a public company	Toggle to display this field on the Signup Form.
	Website	Toggle to display this field on the Signup Form.
	Industry	Toggle to display this field on the Signup Form.
	DBA - Statement Descriptor	Toggle to display this field on the Signup Form.
	Customer Service Phone	Toggle to display this field on the Signup Form.
	Environment	Toggle to display this field on the Signup Form.
	Business Description	Toggle to display this field on the Signup Form.
	Secondary Payout Descriptor	Toggle to display this field on the Signup Form.	This field has the unique option to be displayed but is not required as an optional Merchant Signup Form parameter.
	Date Business Established	Toggle to display this field on the Signup Form.
	PCI Section	Toggle to display this field on the Signup Form.
	Percent B2B Sales	Toggle to display this field on the Signup Form.
	Percent Ecomm Transactions	Toggle to display this field on the Signup Form.
	Percent Keyed Transactions	Toggle to display this field on the Signup Form.
	Advanced Billing Indicator	Toggle to display this field on the Signup Form.
	NDX Shipping days	Toggle to display this field on the Signup Form.
	Seasonal Status	Toggle to display this field on the Signup Form.
	Location Type	Toggle to display this field on the Signup Form.
	New	Toggle to display this field on the Signup Form.
	AMEX Volume	Toggle to display this field on the Signup Form.
	Total Volume	Toggle to display this field on the Signup Form.
	Custom Description	Toggle to display this field on the Signup Form.
	IRS Filing Name	Toggle to display this field on the Signup Form.
Available MCCs	Group	Set a Group of MCCs as approved based on a Group preset.
Available MCCs	MCCs	Sets the specific 4-digit MCCs that are approved for boarding using this Signup Form.
Countries	Countries	Set the Merchant business formation countries allowed for Signup	Valid Values: United States Canada
Note Fields	Note Field	Set a note to be assigned to the Merchant business entity on Signup
Custom Fields	Custom Field	Set a custom field for the Merchant's business information that’s tailored to your specific workflow or reporting needs.

Ownership Info Parameters

The Ownership Info Section is designed to gather crucial information about business owners to aid underwriting processes. Understanding the leadership of a merchant is vital for evaluating risk and making informed underwriting decisions. Key details about the owner are essential for refining underwriting strategies and ensuring alignment with the merchant's vision and operational goals. Ultimately, the objective is to provide insights into business leadership that enhance the underwriting process.

Ownership Info	Parameter	Description
Principal Field Configurations	SSN	Toggle to display this field on the Signup Form.
	Politically Exposed Person	Toggle to display this field on the Signup Form.
	Citizenship	Toggle to display this field on the Signup Form.
Login Confirmation Message	Message	The message shown to the Merchant owner upon first successful login to the Portal.
Note Fields	Note Field	Set a note to be assigned to the Merchant owner on Signup
Custom Fields	Custom Field	Set a custom field for the Merchant's owner information that’s tailored to your specific workflow or reporting needs.

Banking Info Parameters

The Banking Info section is crucial for creating a secure and effective financial relationship with Merchants. It outlines the necessary parameters for gathering banking details, which helps ensure smooth transactions and timely payments. This section emphasizes the financial aspects of Merchant operations, providing a framework for secure banking interactions. By capturing the required banking information, it enhances the efficiency of services offered to Merchants. The parameters are specifically designed to support Merchants' financial needs effectively.

Banking Info	Parameter	Description	Notes & Valid Values
Business Field Configurations	Plaid	Enable Plaid for the Merchant to link their bank account using their online banking login credentials.	Plaid may not be available for all banks. If a Merchant cannot connect via Plaid, they must manually enter their bank details and submit documentation for manual underwriting review.
	Enable Document Upload	Enable the option for Merchants to upload supporting bank documentation for adding and approving bank accounts manually.
	Allow Multiple Bank Accounts	Set whether or not the Merchant may add multiple bank accounts to their platform account.
Banking Documentation	Custom Message	A custom banking documentation message shown alongside other bank disclosures and agreements.
Note Fields	Note Field	Set a note to be assigned to the Merchant bank account on Signup
Custom Fields	Custom Field	Set a custom field for the Merchant's bank account information that’s tailored to your specific workflow or reporting needs.

Terms & Conditions Parameters

The Terms & Conditions section delineates the key agreements that define the relationship between your business and the Merchants. It provides parameters to effectively communicate rules and expectations, fostering transparency in partnerships. This section underscores the necessity of clear guidelines to ensure both parties comprehend their rights and responsibilities. By capturing essential terms, it aims to establish a strong foundation for Merchant relationships, promoting trust and compliance. Ultimately, the Terms & Conditions parameters are crafted to help articulate the legal framework supporting business dealings with Merchants.

Terms & Disclosures	Parameter	Description	Notes & Valid Values
Terms and Conditions	Signature Field	Whether or not a digital signature is required from the Merchant.	If enabled, the Signup Form will show a digital signing box for the Merchant to complete on the Terms and Conditions page.
	Document Upload	Whether or not the Merchant is required to upload any specific documentation.	If enabled, the Signup Form will display a file upload prompt for the Merchant to add their submission on the Terms and Conditions page.
	Bank Disclosure	Set bank disclosures associated with your account that Merchants must read and acknowledge or agree to complete the Signup Form.
	Terms Suffix	The specific version number of the document represented in SemVer styling.
	Terms and Conditions	The specific terms and conditions agreement presented to Merchants for platform usage.
Custom Agreement		A custom agreement that can be written or pasted into a text input prompt that is presented to users alongside the bank disclosure and terms & conditions agreements.	Placeholders on this section automatically pre-fill certain business information about your Referrer-level business, changing if the original data of any input placeholders changes.
General Documents		A custom general document that can be written or pasted into a text input prompt that is presented to users alongside the bank disclosure and terms & conditions agreements.	Placeholders on this section automatically pre-fill certain business information about your Referrer-level business, changing if the original data of any input placeholders changes.
Note Fields	Note Field	Set a note to be assigned to the Merchant terms and disclosures acceptance on Signup
Custom Fields	Custom Field	Set a custom field for the Merchant's terms and disclosure information that’s tailored to your specific workflow or reporting needs.