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POST
Create a merchant
Every seller or supplier on your platform who will receive payouts from Tilta-financed orders must first exist as a merchant record. Creating a merchant is always the required first step before any of their orders can be financed – a newly created merchant is not approved by default. They must complete onboarding, accept Tilta’s Terms and Conditions, verify their identity via KYC/KYB, and receive explicit approval from Tilta before financing becomes active. If you act as the merchant of record, you can skip merchant creation entirely and proceed directly to buyer and order management.
Skip this step if you are the merchant of record. In that case, Tilta finances orders directly against your platform, and individual merchant records are not required.
A newly created merchant is not enrolled and cannot process financed orders until they complete onboarding and Tilta sets their status to ENROLLED. Direct your merchants to the Tilta onboarding flow immediately after creation.

Authorizations

Authorization
string
header
required

Your Tilta API key, sent as Bearer <key>.

Body

application/json
external_id
string
required

Unique identifier of a merchant.

Maximum string length: 100
Pattern: ^[a-zA-Z0-9-_]+$

Merchant's full legal name incl. the legal form if applicable.

Example:

"ACME Distribution GmbH"

Merchant's legal form, which depends on the merchant's registered country. Available legal forms cover Tilta's operating countries.

Available options:
LIMITED_COMPANY,
SOLE_TRADER,
PARTNERSHIP,
PUBLIC_COMPANY,
COOPERATIVE,
GOVERNMENT,
OTHER
business_address
object
required

Merchant's address.

contact_emails
string<email>[]
required

Merchant's contact emails

Maximum array length: 10
trading_name
string | null

Merchant's trading name.

Example:

"ACME"

business_identifiers
object[] | null

A list of business identifiers

incorporated_at
number | null

Merchant's date of incorporation (unix time in seconds), meaning the date when the business of registered or started.

Example:

1582896122

Response

A merchant has been successfully created or updated.

external_id
string
required

Unique identifier of a merchant.

Maximum string length: 100
Pattern: ^[a-zA-Z0-9-_]+$
status
enum<string>
required

Merchant's enrollment status

Available options:
ENROLLED,
INACTIVE,
EXPIRED
created_at
number
required

Timestamp indicating when the merchant was created (unix time in seconds).

Example:

1582896122

updated_at
number
required

Timestamp indicating the last time the merchant was updated (unix time in seconds).

Example:

1582896122

Merchant's full legal name incl. the legal form if applicable.

Example:

"ACME Distribution GmbH"

Merchant's legal form, which depends on the merchant's registered country. Available legal forms cover Tilta's operating countries.

Available options:
LIMITED_COMPANY,
SOLE_TRADER,
PARTNERSHIP,
PUBLIC_COMPANY,
COOPERATIVE,
GOVERNMENT,
OTHER
business_address
object
required

Merchant's address.

contact_emails
string<email>[]
required

Merchant's contact emails

Maximum array length: 10
trading_name
string | null

Merchant's trading name.

Example:

"ACME"

business_identifiers
object[] | null

A list of business identifiers

incorporated_at
number | null

Merchant's date of incorporation (unix time in seconds), meaning the date when the business of registered or started.

Example:

1582896122