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To call the API on behalf of a merchant, you need to exchange your partner access token for a merchant access token.
1

Authenticate as a partner

Create an API client and use the credentials to create an access token.
2

Obtain an exchange token

Use the access_token from step 1 to request an exchange token.
Request
Response
3

Exchange for a merchant access token

Use the access_token from step 2 to request a merchant token.
Request
Response
4

Verify access

Use the merchant access token to retrieve the account details. The response includes the optional applicant.signup_reference that was set during onboarding.
Request
Response
See the get account settings API reference for all response fields.
Last modified on June 1, 2026