Additional Features/
Braintree Marketplace/
Confirmation

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. Ruby
notification = gateway.webhook_notification.parse(
  bt_signature,
  bt_payload
)
notification.kind == Braintree::WebhookNotification::
  Kind::SubMerchantAccountApproved
# true
notification.merchant_account.status
# "active"
notification.merchant_account.id
# "blue_ladders_store"
notification.merchant_account.master_merchant_account.id
# "14ladders_marketplace"
notification.merchant_account.master_merchant_account.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. Ruby
notification = gateway.webhook_notification.parse(
  bt_signature,
  bt_payload
)
notification.kind == Braintree::WebhookNotification::
                       Kind::SubMerchantAccountDeclined
# true
notification.message
# "Credit score is too low"
notification.errors
# #<Braintree::ErrorResult params:{. . .} errors:<merchant_account:[(82621) Applicant declined due to OFAC.]>>
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.