This API documentation is specific to a merchant’s onboarding and ongoing account requests and maintenance.
Before any consumer operations can take place, a merchant must be onboarded and fully configured. The steps in this section are sequential.
POST /api/v1/sponsor/merchants/onboarding/
This is the entry point for bringing a new merchant onto the platform. The sponsor submits the merchant's business information and the details of the initial admin user. Momnt stores this data, creates the merchant record, and sends the admin user an email invitation to complete the onboarding workflow in Momnt's UI.
The response returns two identifiers that the sponsor must persist:
artis_merchant_id— the Momnt UUID for the merchantartis_merchant_user_id— the Momnt UID for the first admin user
A callback is posted to sponsor_callback_url only after the merchant user completes the UI workflow and accepts the Terms & Conditions. The POST alone does not activate the merchant.
contractor_id, user_id, and user_business_email must be unique across all requests for a given sponsor. Reusing any of these values will return a 400 error.
| Method | Endpoint | Description |
|---|---|---|
| POST | /api/v1/sponsor/merchants/users/ | Create a user |
| PATCH | /api/v1/sponsor/merchants/users/ | Update an existing user |
| POST | /api/v1/sponsor/merchants/users/{request_user_id}/batch-create-users/ | Create multiple users |
| GET | /api/v1/sponsor/merchants/users/{user_id}/ | Retrieve a user by external ID |
The request_user_id in the request body must belong to an Admin user on the merchant. The merchant itself must already exist from Step 1 before users can be added.
POST /api/v1/sponsor/merchants/payment-detail/
Registers or updates the merchant's business bank account. After this call completes successfully, Momnt initiates the micro-deposit verification process automatically.
Momnt sends two small deposits (between $0.01 and $0.99 each) to the bank account. The merchant confirms ownership by submitting the exact amounts. The calling user must have the Admin role.
| Method | Endpoint | Description |
|---|---|---|
| POST | /api/v1/sponsor/merchants/payment-detail/verify-micro-deposits/{request_user_id}/ | Verify micro-deposits |
| POST | /api/v1/sponsor/merchants/payment-detail/initiate-micro-deposits/{request_user_id}/ | Initiate micro-deposits |
If verification fails — either due to more than three incorrect attempts or because the deposits expire after 14 days — use Initiate Micro-Deposits to restart the process. This endpoint is only applicable when the bank account status is VerificationFailed.
| Method | Endpoint | Description |
|---|---|---|
| GET | /api/v1/sponsor/merchants/rate-sheets/{request_user_id}/ | View available loan products |
| PATCH | /api/v1/sponsor/merchants/rate-sheets/ | Select products for the merchant |
A rate sheet defines which loan products are available to consumers applying through this merchant. If no products are selected, consumers will receive no offers regardless of their creditworthiness.
The request_user_id for the GET must belong to an Admin user.
Offer codes allow sponsors to customize or restrict the loan products presented to a consumer at application time.
| Method | Endpoint | Description |
|---|---|---|
| GET | /api/v1/sponsor/merchants/{merchant_uuid}/offer-code/ | List all offer codes for a merchant |
| POST | /api/v1/sponsor/merchants/{merchant_uuid}/offer-code/ | Create a new offer code |
| GET | /api/v1/sponsor/merchants/{merchant_uuid}/offer-code/{id}/ | Retrieve a single offer code |
| PATCH | /api/v1/sponsor/merchants/{merchant_uuid}/offer-code/{id} | Deactivate an offer code |
Offer code deletion is implemented as a soft delete. Setting is_deleted to true is permanent — the operation cannot be reversed through the API.
Once merchants are onboarded, the following endpoints provide read access:
| Method | Endpoint | Description |
|---|---|---|
| GET | /api/v1/sponsor/merchants/ | List all merchants associated with the sponsor |
| GET | /api/v1/sponsor/merchants/{external_org_id}/ | Retrieve a specific merchant by the sponsor's external organization ID |