> ## 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.

# Request New Merchant API

> ABC Collections requests help connecting a new merchant API from Merchant Settings.

## Real-World Example

ABC Collections does not have compatible processor credentials yet. Merchant Settings shows the Request New Merchant API card directly, so the primary creditor can submit a request without waiting for a rejection state or starting a separate provider onboarding flow.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Primary creditor opens Merchant Settings"] --> B["Request New Merchant API card is visible"]
    B --> C{"Request already submitted?"}
    C -->|No| D["Creditor submits the request"]
    C -->|Yes| E["Portal shows the existing request status"]
    D --> E
    E --> F["Support coordinates merchant API setup"]
    F --> G["Verified credentials enable payments"]
    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,E,F system;
    class C decision;
    class G outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should display the Request New Merchant API card directly on Merchant Settings.
* It should let only an authorized primary creditor submit the request.
* It should prevent duplicate requests and show the existing request status after submission.
* It should keep payment processing blocked until supported gateway credentials are verified.

## How It Should Not Work

* It should not hide the request card behind a company rejection status.
* It should not let consumers pay through an incomplete merchant account.
* It should not mix credentials between Authorize.net, Stripe, and USAePay.
* It should not create multiple open merchant API requests for the same company.