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Last updated: June 3, 2026
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,
Merchant bank information is typically updated to modify the bank account or financial instrument details the merchant provides during onboarding.
The following tables show the merchant account fields that can be updated through PATCH operations and the updates permitted after KYC completion.
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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: