> ## Documentation Index
> Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Merchant Onboarding Details

> ABC Collections submits Tilled merchant information and later receives a required-more-information request.

## Real-World Example

ABC Collections submits Tilled merchant information and later receives a required-more-information request. The portal should show what is missing, collect the update, and keep payment setup blocked until the merchant path is safe.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Creditor starts merchant setup"] --> B["Portal sends merchant details to provider"]
    B --> C{"Provider needs more information?"}
    C -->|Yes| D["Creditor supplies missing details"]
    C -->|No| E["Merchant account becomes usable"]
    D --> F["Provider review continues"]
    classDef default fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef actor fill:#E0F2FE,stroke:#0284C7,stroke-width:2px,color:#0C4A6E;
    classDef system fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef decision fill:#FEF3C7,stroke:#D97706,stroke-width:2px,color:#78350F;
    classDef risk fill:#FEE2E2,stroke:#DC2626,stroke-width:2px,color:#7F1D1D;
    classDef outcome fill:#DCFCE7,stroke:#16A34A,stroke-width:2px,color:#14532D;
    class A,D actor;
    class B,F system;
    class C decision;
    class E outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should keep merchant setup status clear to the creditor.
* It should block payment processing until the selected gateway is configured and safe.
* It should support required-more-information handling without losing the original application context.

## How It Should Not Work

* It should not let consumers pay through an incomplete merchant account.
* It should not mix credentials between Authorize.net, Stripe, USAePay, and Tilled paths.
* It should not hide provider errors that prevent payment readiness.

## Developer Notes

* Merchant setup affects consumer payment setup and background installment jobs.
* Tilled account updates may arrive through background webhook jobs.

## Related App Areas

* `app/Livewire/Creditor/MerchantSettingsPage.php`
* `app/Livewire/Creditor/TilledApplicationPage.php`
* `app/Livewire/Creditor/RequiredMoreInformation.php`
* `app/Livewire/Creditor/Forms/MerchantSettings/TilledForm.php`
* `app/Jobs/ProcessTilledAccountUpdatedJob.php`
* `app/Console/Commands/CreateTilledWebhookCommand.php`