Updates the onboarding data for a merchant using the onboarding reference number. This endpoint allows merchants to correct and resubmit their information after their application has been declined.
Status Requirement: Regular users can only update merchants in DECLINED status. Upon successful update, the merchant’s status changes to PENDING for re-review.
Updates are accepted only for records in the DECLINED state, which then move to PENDING for re-review.
Authentication
This endpoint requires JWT Bearer Token authentication.
accountDepositType: BANK, PAYMAYA, GCASH, NO_ACCOUNT
accountType: SAVINGS, CHECKING_CURRENT
currency: PHP, USD
gender: MALE, FEMALE
settlementRail: instapay, pesonet
businessHandle: ^([A-Za-z]|[0-9]|_|-)+$
tin: ^\d+$
postalCode: ^\d+$
contactNumber: ^\d+$
modeOfPayments: Min 1 item
banks: Min 1, Max 2 items
incorporators: Min 1, Max 5 items (non-STARTER only)
signatories: Min 1, Max 5 items
Next Steps
Retrieve Onboarding Data
Get current onboarding data before updating
Retrieve Status
Check if merchant is in DECLINED status
Onboard Merchant
View original onboarding endpoint documentation
Error Handling
Complete error code reference
Authorizations
Authorization
string
header
required
JWT Bearer token authentication
Path Parameters
refNo
string<uuid>
required
The onboarding reference number (UUID v4 format)
Body
application/json
Resubmit a declined application. Unlike a partial patch, the service revalidates the full business profile: the fields below marked required must all be present. businessType and parentOnboardingRefNo are set on the initial submission (POST /v2/onboard) and cannot be changed here.
merchantName
string
required
Trading name or DBA (Doing Business As) name
Maximum string length: 500
modeOfPayments
enum<string>[]
required
List of accepted payment modes
Minimum array length: 1
Available options:
TERMINAL,
ECOM,
PAYMENT_LINK,
QRPH,
PAY_WITH_MAYA
currency
enum<string>
required
Primary currency for transactions
Available options:
PHP,
USD
tin
string
required
Tax Identification Number
Maximum string length: 20
Pattern: ^\d+$
industry
string
required
Business industry category
Maximum string length: 200
serviceDescription
string
required
Description of services or products offered
isBrickAndMortarStore
boolean
required
Whether the business has a physical store location
address
object
required
Show child attributes
representatives
object
required
Show child attributes
banks
object[]
required
List of bank accounts for settlement
Required array length: 1 - 2 elements
Show child attributes
isWantPackworksWallet
boolean
required
Whether the merchant wants a wallet.
isWantPayMayaWallet
boolean
required
Whether the merchant wants a Maya wallet.
isWantPayMayaBankAccount
boolean
required
Whether the merchant wants a Maya bank account.
legalName
string
Legal registered name of the business (required for non-STARTER types)
Maximum string length: 500
businessHandle
string
Unique business handle/slug for payment links (required for non-STARTER types)
Pattern: ^([A-Za-z]|[0-9]|_|-)+$
incorporators
object[]
List of business incorporators (for non-STARTER types)
Always PENDING after a resubmission; the application returns to review.
Available options:
PENDING
onboardingReferenceNumber
string<uuid>
The onboarding reference number (unchanged)
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