Confirming Sub-merchant Onboarding

As part of the sub-merchant onboarding process for Braintree Marketplace, you can confirm the creation of a merchant account as either approved or declined via a webhook. The webhook is triggered after the sub-merchant's information has been verified with several third-party services. Webhooks allow Braintree to push messages to your servers when you configure a webhook endpoint URL. If you are not using webhooks already, you will need to follow the webhooks guide to get started.

Sub-merchant approvedAnchorIcon

Once you have webhooks configured, you can listen for a SubMerchantAccountApproved webhook that looks like this:
  1. PHP
$notification = $gateway->webhookNotification()->parse($btSignature, $btPayload);
$notification->kind == Braintree\WebhookNotification::SUB_MERCHANT_ACCOUNT_APPROVED; // true
$notification->merchantAccount->status; // "active"
$notification->merchantAccount->id; // "blue_ladders_store"
$notification->merchantAccount->masterMerchantAccount->id; // "14ladders_marketplace"
$notification->merchantAccount->masterMerchantAccount->status; // "active"
Once you've confirmed that the new sub-merchant has been successfully onboarded, you can start to run transactions on their account.

Sub-merchant declinedAnchorIcon

You can also listen for a SubMerchantAccountDeclined webhook that looks like this:
  1. PHP
$notification = $gateway->webhookNotification()->parse($bt_signature, $bt_payload);
$notification->kind == Braintree\WebhookNotification::SUB_MERCHANT_ACCOUNT_DECLINED; // true
$notification->message; // "Credit score is too low"
$notification->errors; // Braintree\Error\ValidationErrorCollection Object ( . . . )
If it is Declined, the webhook will contain validation errors indicating why the sub-merchant was declined. There are several reasons this can occur:
  • Failed OFAC
  • Failed Mastercard MATCH
  • Failed KYC
  • SSN invalid
  • SSN matches deceased person
See merchant account validations for specific errors. In this case, we'll need to gather more information about the sub-merchant in order to approve them. Please contact our Customer Success team with the sub-merchant's first and last name and we'll be happy to assist.