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Draft: the API is under development and may change before the first release

Going live

Live keys (sk_live_...) work only for merchants whose KYB is approved. Before that, a live key returns 403 merchant_not_active.

Merchant states

Section titled “Merchant states”
State Available
draft Account created, application not filled. Dashboard and docs.
onboarding Application and checks in progress. Test keys.
under_review Checks done, waiting for a staff decision. Test keys.
active Approved. Live keys, real payments and payouts.
rejected Read only.
suspended Read only, payouts frozen.
closed Exports only.

Steps

Section titled “Steps”
  1. Register: e-mail, password and 2FA.
  2. Company application: legal name, country, tax number, address, business description, countries, expected volumes and needed payment methods.
  3. Beneficial owners and directors.
  4. Checks with a KYB vendor: company documents and identity checks. The vendor stores the documents.
  5. Agreement and tariffs.
  6. Decision by a PachaPay staff member. After approval live keys are issued and you are notified.

You can see the status and the list of missing items at any time. The dashboard is a placeholder for now, so onboarding is arranged with the PachaPay team.

Checklist

Section titled “Checklist”
  • KYB approved and live keys issued.
  • Keys stored in server-side secrets only, never in a browser or mobile app.
  • Webhook endpoint registered over HTTPS, signature verified on the raw body, events deduplicated by event.id, reply within 10 seconds.
  • Idempotency-Key set on every POST and reused on retries.
  • Errors handled by code; 5xx and 429 retried with backoff.
  • Amounts handled as integers in minor units.
  • Unknown fields and enum values ignored.