Onboarding to Networks

The first step is for Payrails to set up the configuration between the merchant and the networks. Payrails works as an on-behalf-of token requestor and handles the heavy lifting of the integrations with the networks for the merchants. Meanwhile, Payrails merchants become the Token Requestor, to whom the ownership of the tokens belongs to.

Each network has a different onboarding process, requiring a different set of information. Payrails handles this complexity and provides a network-agnostic onboarding process to its merchants.

The consolidated set of fields that we will need is presented below.

Legal Entity Name
Legal Entity Address
Legal Entity Email Address
Legal Entity Website URL
Branded Name of the Merchant's App
Business Identification Value (only for Visa)
Service Establishment Number (only for AmEx)

You can also see the network-specific fields in detail below for your reference and to see details and examples of the information required.

Onboarding to Visa

The information that needs to be provided to Visa is stated below.

Information	Details	Example
Business Identification Type	The Identifier associated with the business type.	Some examples are ABN (Australian business number), which has the format of 11 numeric digits, BID (Business identification number for all countries, which has the format of 8 numeric digits, and NID (South Africa national identification number), which has the format of 13 numeric digits.
Business Identification Value	The value associated with the business identification type.	Values vary based on the identification type.
Address City	City in the token requestor's primary address. A string between 1-100 characters with alphabetic, numeric, or the following characters: spaces, ' (single quote), . (period).	Berlin
Address Country	ISO 3166-1 alpha-2 two-letter country code.	DE
Address Legal Name	Legal name of Token Requestor. Alphanumeric, excepting semi-colon, percent sign, and parentheses.	Cool Technologies Ltd
Primary Contact Email	Official Standard Email Address of the Token Requestor.	[email protected]
Primary Website URL	The URL of the Token Requestor's (merchant’s) website related to the payment transaction. It should include "https://".	https://www.merchant.com
VTS Profile Name	Profile name under which the payment application is registered in the Visa Tokenization Service system. It can be identical to the VTS Client App ID.	Cool Tech
VTS Client App ID	Unique identifier for the payment application, which is the branded name of the payment app.	Cool Tech

Onboarding to Mastercard

The information that needs to be provided to Mastercard is stated below.

Information	Details	Example
Program Name	The program name represents an entity’s consumer-facing name (e.g. merchant name), where the consumer has stored their card on file.	Cool Tech
DPA Name	Legal name of registered DPA (Data Processing Agreement).	Cool Technologies Ltd
DPA Presentation Name	Merchant company name associated with the DPA to be used for presentation purposes within the user experience.	Cool Tech
Address City	City in the token requestor's primary address. A string between 1-100 characters with alphabetic, numeric, or the following characters: spaces, ' (single quote), . (period).	Berlin
Address Country	ISO 3166-1 alpha-2 two-letter country code.	DE
Address Legal Name	Legal name of Token Requestor. Alphanumeric, excepting semi-colon, percent sign, and parentheses.	Cool Technologies Ltd
Primary Website URL	The URL of the Token Requestor's (merchant’s) website related to the payment transaction. It should include "https://".	https://www.merchant.com

Onboarding to American Express (coming soon)

The information that needs to be provided to American Express is stated below.

Information	Details	Example
AmEx SE Number	It is a unique, 10-digit number assigned by American Express to a Merchant. (Service Establishment Number)	Values vary based on the identification type.
Address City	City in the token requestor's primary address. A string between 1-100 characters with alphabetic, numeric, or the following characters: spaces, ' (single quote), . (period).	Berlin
Address Country	ISO 3166-1 alpha-2 two-letter country code.	DE
Primary Website URL	The URL of the Token Requestor's (merchant’s) website related to the payment transaction. It should include "https://".	https://www.merchant.com
Primary Contact Email	Official Standard Email Address of the Token Requestor.	[email protected]