Apply Wizard

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Overview

Apply Wizard is Payarc's API-based merchant onboarding system built for partners who need to enroll merchants into payment processing programmatically. Apply Wizard exposes a structured API that takes a merchant from initial lead submission all the way through underwriting and account activation. Once activated, the merchant receives a Merchant ID (MID) and access to the Payarc dashboard to begin processing transactions.

Prerequisites

Before you begin, make sure you have:

• A valid Bearer token from Partner Hub — see API Authentication
• Your partner configuration confirmed (Traditional or Payfac)
• Access to the sandbox / test environment

Step 1: Select Apply Wizard Onboarding Flow

Apply Wizard supports two distinct onboarding tracks depending on how your partner account is set up with Payarc. Selecting the correct path determines the application flow, signature requirements, and activation method. If you are unsure which track is the right one, please contact your dedicated Relationship Manager.

Option 1: Traditional

For Traditional partners, the merchant application is submitted and then routed for a signature via DocuSign. Once the merchant signs and underwriting approves the application, the merchant is onboarded and activated. Partners can monitor onboarding status via webhooks.

What you get back: A submitted application routed through underwriting, resulting in merchant activation upon approval.

View the Traditional Onboarding Guide

Option 2: Payfac

For Payfac partners, the application is submitted programmatically and evaluated instantly. Partners can monitor onboarding status via webhooks.

What you get back: An instant evaluation result and an application status you can track via webhook events.

View the Payfac Onboarding Guide