Onboard merchants

During onboarding, you create non-loginable accounts for merchants and guide them through verification.

A non-loginable merchant (NLM) account represents your customer within PayPal's system. You control the data representing your customers, how they process payments, and how they handle payouts. PayPal keeps a corresponding record of that merchant to help facilitate onboarding, payouts, reporting, and other key features.

How does a non-loginable account fit into the partner tenancy structure?

You can group your merchant accounts under an organization account. Inform the integration engineer to specify the group identifier in the organization field of the managed account POST API payload. This identifier cannot be modified later. For more information, see the managed account API reference.

As a convention, you can use the country-code/business-unit format to identify your group. For example, an organization field value of us/marketplace identifies your non-loginable account group as a marketplace business unit belonging to the US jurisdiction.

Merchant accounts created under an organization (accounts with the same organization field value) are subject to the same merchant preference settings regarding disputes, chargebacks, settlements, and so on. For more information on the data required to create a non-loginable account account, see Create Merchant Accounts.

There are four critical steps in the onboarding journey for your merchants:

• Create merchant accounts
• Verify merchant accounts
• Update merchant accounts
• Monitor merchant accounts