- For information on how to use a PATCH call and update your merchant’s business information, see Update merchant information.
- For information on how to use a PATCH call and update your merchant’s bank information, see Update bank information.
- For information on how to test the updates to your merchant account, see Test in sandbox.
Update merchant accounts
DocsCURRENT
Last updated: Oct 23rd, 9:07pm
As part of managing a merchant account, throughout the merchant account’s lifecycle, you may have to update the merchant’s business and bank information. Merchant information is typically updated to,
- Rectify information entered during the initial onboarding.
- Accommodate changes in critical business information, such as addresses and owners.
Merchant bank information is typically updated to modify the bank account or financial instrument details the merchant provides during onboarding.
Available PATCH operations
The following tables show the merchant account fields that can be updated through PATCH operations and the updates permitted after KYC completion.
Individual Owner
| Field | Patch path | Patch operation | Allowed post-KYC? |
| Names | /individual_owners/@id=='{individual-owner-id}'/names/@id=='{name-id}' |
replace | No |
/individual_owners/@id=='{individual-owner-id}'/names |
add | No | |
/individual_owners/@id=='{individual-owner-id}'/names/- |
add | No | |
| Phone Numbers | /individual_owners/@id=='{individual-owner-id}'/phone_numbers/@id=='{phone-number-id}' |
replace | Yes |
/individual_owners/@id=='{individual-owner-id}'/phone_numbers/@id=='{phone-number-id}' |
remove | Yes | |
/individual_owners/@id=='{individual-owner-id}'/phone_numbers |
replace | Yes | |
/individual_owners/@id=='{individual-owner-id}'/phone_numbers |
add | Yes | |
/individual_owners/@id=='{individual-owner-id}'/phone_numbers/- |
add | Yes | |
/individual_owners/@id=='{individual-owner-id}'/phone_numbers |
remove | Yes | |
| Addresses | /individual_owners/@id=='{individual-owner-id}'/addresses/- (with type set to HOME) or /individual_owners/@id=='{individual-owner-id}'/primary_residence |
add | No |
/individual_owners/@id=='{individual-owner-id}'/addresses/@id=='{home-address-id}' or /individual_owners/@id=='{individual-owner-id}'/primary_residence |
replace | No | |
/individual_owners/@id=='{individual-owner-id}'/addresses/@id=='{home-address-id}' or /individual_owners/@id=='{individual-owner-id}'/primary_residence |
remove | No | |
/individual_owners/@id=='{individual-owner-id}'/addresses/- (with type set to MAILING) |
add | Yes | |
/individual_owners/@id=='{individual-owner-id}'/addresses/@id=='{mailing-address-id}' |
replace | Yes | |
/individual_owners/@id=='{individual-owner-id}'/addresses/@id=='{mailing-address-id}' |
remove | Yes | |
/individual_owners/@id=='{individual-owner-id}'/addresses |
replace | No | |
/individual_owners/@id=='{individual-owner-id}'/addresses |
add | No | |
| Emails | /individual_owners/@id=='{individual-owner-id}'/emails/- |
add | Yes |
/individual_owners/@id=='{individual-owner-id}'/emails/@id=='{email-id}' |
replace | Yes | |
/individual_owners/@id=='{individual-owner-id}'/emails/@id=='{email-id}' |
remove | Yes | |
| Country of Primary Citizenship | /individual_owners/@id=='{individual-owner-id}'/citizenship |
add | Yes |
/individual_owners/@id=='{individual-owner-id}'/citizenship |
replace | No | |
| Birth Details | /individual_owners/@id=='{individual-owner-id}'/birth_details |
add | Yes |
/individual_owners/@id=='{individual-owner-id}'/birth_details |
replace | No | |
| Identification Documents | /individual_owners/@id=='{individual-owner-id}'/identification_documents/@id=='{identification-document-id}' |
replace | No |
/individual_owners/@id=='{individual-owner-id}'/identification_documents |
replace | No | |
/individual_owners/@id=='{individual-owner-id}'/identification_documents |
add | Yes | |
/individual_owners/@id=='{individual-owner-id}'/identification_documents/- |
add | Yes | |
| Occupation | /individual_owners/@id=='{individual-owner-id}'/occupation |
add | Yes |
/individual_owners/@id=='{individual-owner-id}'/occupation |
replace | Yes |
Business Entity
| Field | Patch path | Patch operation | Allowed post-KYC? |
| Names | /business_entity/names/@id=='{business-name-id}' |
replace | Yes |
/business_entity/names/@id=='{business-name-id}' |
remove | Yes | |
/business_entity/names |
replace | Yes | |
/business_entity/names |
add | Yes | |
/business_entity/names/- |
add | Yes | |
| Merchant Category Code | /business_entity/merchant_category_code |
replace | Yes |
/business_entity/merchant_category_code |
add | Yes | |
| Website Info | /business_entity/website |
add | Yes |
/business_entity/website |
replace | Yes | |
/business_entity/website |
remove | Yes | |
/business_entity/website_info |
add | Yes | |
/business_entity/website_info |
replace | Yes | |
| Phone numbers | /business_entity/phone_numbers/@id=='{phone-number-id}' |
replace | Yes |
/business_entity/phone_numbers/@id=='{phone-number-id}' |
remove | Yes | |
/business_entity/phone_numbers |
replace | Yes | |
/business_entity/phone_numbers |
add | Yes | |
/business_entity/phone_numbers/- |
add | Yes | |
| Addresses | /business_entity/addresses/- (with type set to BUSINESS) or /business_entity/registered_business_address |
add | No |
/business_entity/addresses/@id=='{registered-business-address-id}' or /business_entity/registered_business_address |
replace | No | |
/business_entity/addresses |
replace | No | |
/business_entity/addresses |
add | No | |
/business_entity/addresses/@id=='{mailing-address-id}' or /business_entity/addresses/@id=='{office-address-id}' |
replace | Yes | |
/business_entity/addresses/@id=='{mailing-address-id}' or /business_entity/addresses/@id=='{office-address-id}' |
remove | Yes | |
/business_entity/addresses/- (with type set to MAILING or OFFICE) |
add | Yes | |
| Emails | /business_entity/emails/@id=='{email-address-id}' |
replace | Yes |
/business_entity/emails/@id=='{email-address-id}' |
remove | Yes | |
/business_entity/emails |
replace | Yes | |
/business_entity/emails |
add | Yes | |
/business_entity/emails/- |
add | Yes | |
| Incorporation Country | /business_entity/incorporation_details/incorporation_country_code |
add | Yes |
/business_entity/incorporation_details/incorporation_country_code |
replace | Yes | |
| Business Type | /business_entity/type |
replace | No |
| Identification Documents | /business_entity/identification_documents/@id=='{identification-document-id}' |
replace | No |
/business_entity/identification_documents |
replace | No | |
/business_entity/identification_documents |
add | No | |
/business_entity/identification_documents/- |
add | No | |
| 25% Beneficial Owner Declaration | /business_entity/declarations/@name=='TWENTY_FIVE_PERCENT_BENEFICIAL_OWNER'/value |
add | Yes |
/business_entity/declarations/@name=='TWENTY_FIVE_PERCENT_BENEFICIAL_OWNER'/value |
replace | Yes | |
| Declarations | /business_entity/declarations/- |
add | Yes |
/business_entity/declarations/- |
replace | Yes |
Office Bearers
| Field | Patch path | Patch operation | Allowed post-KYC? |
| Office Bearers | /business_entity/office_bearers/- |
add | Yes |
/business_entity/office_bearers |
add | Yes | |
/business_entity/office_bearers |
remove | Yes | |
/business_entity/office_bearers |
replace | Yes | |
/business_entity/office_bearers/@id=='{office-bearer-id}' |
remove | Yes | |
/business_entity/office_bearers/@id=='{office-bearer-id}' |
replace | Yes | |
| Names | /business_entity/office_bearers/@id=='{office-bearer-id}'/names |
add | Yes |
/business_entity/office_bearers/@id=='{office-bearer-id}'/names |
replace | Yes | |
| Addresses | /business_entity/office_bearers/@id=='{office-bearer-id}'/addresses |
add | Yes |
/business_entity/office_bearers/@id=='{office-bearer-id}'/addresses |
replace | Yes | |
| Country of Primary Citizenship | /business_entity/office_bearers/@id=='{office-bearer-id}'/citizenship |
add | Yes |
/business_entity/office_bearers/@id=='{office-bearer-id}'/citizenship |
replace | Yes | |
| Birth Details | /business_entity/office_bearers/@id=='{office-bearer-id}'/birth_details |
add | Yes |
/business_entity/office_bearers/@id=='{office-bearer-id}'/birth_details |
replace | Yes | |
| Identification Documents | /business_entity/office_bearers/@id=='{office-bearer-id}'/identification_documents |
add | Yes |
/business_entity/office_bearers/@id=='{office-bearer-id}'/identification_documents |
replace | Yes | |
| Emails | /business_entity/office_bearers/@id=='{office-bearer-id}'/emails |
add | Yes |
/business_entity/office_bearers/@id=='{office-bearer-id}'/emails |
replace | Yes | |
| Phone Numbers | /business_entity/office_bearers/@id=='{office-bearer-id}'/phone_numbers |
add | Yes |
/business_entity/office_bearers/@id=='{office-bearer-id}'/phone_numbers |
replace | Yes | |
| Role | /business_entity/office_bearers/@id=='{office-bearer-id}'/role |
add | Yes |
/business_entity/office_bearers/@id=='{office-bearer-id}'/role |
replace | Yes |
Beneficial Owners
| Field | Patch path | Patch operation | Allowed post-KYC? |
| Beneficial Owners | /business_entity/beneficial_owners/individuals |
add | Yes |
/business_entity/beneficial_owners/individuals |
remove | Yes | |
/business_entity/beneficial_owners/individuals |
replace | Yes | |
/business_entity/beneficial_owners/individuals/- |
add | Yes | |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}' |
remove | Yes | |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}' |
replace | Yes | |
| Names | /business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/names |
add | Yes |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/names |
replace | Yes | |
| Addresses | /business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/addresses |
add | Yes |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/addresses |
replace | Yes | |
| Country of Primary Citizenship | /business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/citizenship |
add | Yes |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/citizenship |
replace | Yes | |
| Birth Details | /business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/birth_details |
add | Yes |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/birth_details |
replace | Yes | |
| Identification Documents | /business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/identification_documents |
add | Yes |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/identification_documents |
replace | Yes | |
| Emails | /business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/emails |
add | Yes |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/emails |
replace | Yes | |
| Phone Numbers | /business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/phone_numbers |
add | Yes |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/phone_numbers |
replace | Yes | |
| Percentage of Ownership | /business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/percentage_of_ownership |
add | Yes |
/business_entity/beneficial_owners/individuals/@id=='{beneficial-owner-id}'/percentage_of_ownership |
replace | Yes |
Account
| Field | Patch path | Patch operation | Allowed post-KYC? |
| Soft Descriptor | /soft_descriptor |
replace | Yes |
| Agreements | /agreements/- |
add | Yes |
/agreements/@type=='TERMS_ACCEPTED' |
replace | Yes | |
/agreements/@type=='TERMS_ACCEPTED' |
add | Yes | |
| Attributes | /attributes |
add | Yes |
| Wallet Domains | /wallet_domains |
add | Yes |
/wallet_domains/@id=='{wallet-domain-id}' |
remove | Yes |
Financial Instruments
| Field | Patch path | Patch operation | Allowed post-KYC? |
| Bank Accounts | /financial_instruments/banks |
add | Yes |
/financial_instruments/banks |
replace | Yes | |
/financial_instruments/banks/- |
add | Yes | |
/financial_instruments/banks/@id=='{bank-account-id}' |
replace | Yes |
Important:
- As specified in your agreement with PayPal, inform PayPal whenever you update your merchant's information. In some cases, you should re-verify the merchant's account after updates. In such cases, PayPal verifies the new information electronically. If PayPal cannot verify the merchant account, you have a 30-day grace period to provide additional information or documentation.
- During the grace period, the merchant account's capabilities remain the same. For example, if payment capabilities such as receive and withdraw are active, they remain active until this period ends. At the end of the grace period, all capabilities, including transaction and withdrawal, are disabled. Ensure to resolve all requirements before the deadline.