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18 September 2025

· 3 min read

Improvements​

🛒 Improvements to merchant profiles and merchant payment methods, and the requestMerchantProfile and requestMerchantProfileUpdate mutations:

  • The Testing APIs simulateMerchantProfileRequestOutcome and simulateMerchantPaymentMethodRequestOutcome mutations now support the new WaitingForInformation status and return a list of verificationRequirements.

  • A new optional field expectedMerchantProfileAdditionalInformation is now available at the projectInfo level. This field allows you to customize information collected for merchant profiles when configured as part of your merchant feature approval process.

    The information can then be provided using the additionalInformation field in merchant profiles and in the requestMerchantProfile and requestMerchantProfileUpdate mutations.

  • The invoiceExample field has been deprecated.

  • The expectedMonthlyPaymentVolume, merchantWebsite, socialNetwork, supportWebsite, and termsAndConditions fields are being deprecated.

  • We've deprecated the rejectReasons field and replaced it with rejectionReasons.

API updates​

Upcoming breaking changes​

📡 Starting October 9, bulk SEPA Credit Transfers from individual account holders will be rejected if verification tokens aren't included in the payment initiation. You must either implement the verifyBeneficiary mutation (recommended) or restrict bulk credit transfer access to company accounts only. This change applies to both Live and Sandbox environments.

💳 On October 16, the CardUrl field will be removed. Use cardMaskedNumber, expiryDate, and cardDesignUrl instead.

🛒 On October 16, the following merchant onboarding and payment methods breaking changes will take effect:

  • A new WaitingForInformation status and verificationRequirements list will be available to show missing information on merchant profiles and payment methods. Submit the required information using the requestMerchantProfile or requestMerchantProfileUpdate mutations.
  • A new supportingDocumentCollections field will also be available at the merchant profile level for providing required documents.
  • The invoiceExample, expectedMonthlyPaymentVolume, merchantWebsite, socialNetwork, supportWebsite, termsAndConditions will be removed. Use expectedMonthlyMerchantProcessingVolume, merchantWebsiteUrl, socialNetworkUrl, supportWebsiteUrl, and termsAndConditionsUrl instead.
  • rejectReasons will be removed for card payment methods.
  • rejectionReasons for Rejected merchant profiles and merchant payment methods will become mandatory in Testing APIs simulateMerchantProfileRequestOutcome and simulateMerchantPaymentMethodRequestOutcome.
  • Dynamic rolling reserve changes and maximum payment amount limits will be introduced at the merchant payment method level to mitigate risk. Subscribe to the MerchantPaymentMethod.Created and MerchantPaymentMethod.Updated webhooks for these updates.

💸 Effective October 19, we're introducing updates to the initiateCreditTransfers endpoint to improve its usability and clarity:

  • The save parameter will default to false.
  • The mode parameter will be a required field. The default value is set to Regular.
  • The isMyOwnIban and beneficiaryId input fields will be removed.
  • The API will return a ValidationRejection error instead of ForbiddenRejection when an input contains invalid data.

Update​

🧭 Starting October 21, card-issuing spending limits will be aggregated at the hour level. To calculate card spending limits, each payment is recorded at the start of the hour. The rolling period resets every hour. This change applies to cards with daily, weekly, and monthly spending limit periods.