sp1101 Agent Merchant Access Application

To onboard a new agent merchant, you submit their KYC data to Gcashier Pay via this endpoint. Gcashier Pay validates the payload in real time and responds with an ACCEPT status once the submission is received. The final approval or rejection is then delivered asynchronously to the callbackUrl you provide, through the sp3101 webhook.

This API uses a two-phase response model. The synchronous response only confirms receipt (ACCEPT). The definitive review outcome — including your assigned merchantNo and token — arrives via the sp3101 notification webhook. Make sure your callbackUrl is publicly reachable before submitting.

Endpoint

POST https://{baseUrl}/api/sp1101

Attribute	Value
Transaction Code	`sp1101`
Invocation Mode	Real-time (synchronous `ACCEPT`; final result via sp3101)

Request Parameters

Top-Level Fields

string(32)

Your unique order reference for this application. You can use this to correlate the sp3101 callback with your internal records. O

string(255)

required

Contact email address for the merchant. Used for review notifications when noticeMarker is 1. M

string(10)

required

International dialling code for the merchant’s phone number, e.g. 852 for Hong Kong. M

string(32)

required

Merchant contact phone number, without the area code. M

string(16)

required

Referral agent number assigned to you by Gcashier Pay. Required for all agent-submitted applications. M

string(2)

required

ISO 3166-1 alpha-2 country code for the merchant’s registered jurisdiction, e.g. HK, US, CN. M

string(255)

required

Merchant’s legal English company name, exactly as it appears on the business registration certificate. M

string(255)

Merchant’s Chinese company name. Required when countryCode is CN. O

string(128)

required

City where the merchant’s principal office is located. M

string(255)

required

Full physical address of the merchant’s registered office. M

string(1)

required

Type of office premises. M

Value	Description
`0`	Self-Rented Office
`1`	Secretariat Address
`2`	Shared Office / Co-working Space

string(18)

required

Business registration or company license number. M

List<String>

required

SFTP file paths to the merchant’s business registration documents uploaded via the Gcashier Pay file upload service, e.g. ["uploadFile/reg_cert.png"]. M

string(255)

Merchant’s corporate website URL. O

string(255)

Trading website or mobile app URL used by end-customers. Required when businessNature.natureType is 2 (E-commerce). O

List<String>

required

ISO alpha-2 codes of the countries where the merchant’s main customers are located, e.g. ["US", "GB"]. M

string(1)

required

Indicates whether the business is primarily operated by a company or individuals. M

Value	Description
`0`	Company
`1`	Individual

string(1)

required

Previous year’s annual turnover range in USD. M

Value	Range
`0`	Less than USD 100,000
`1`	USD 100,000 – 1,000,000
`2`	USD 1,000,000 – 10,000,000
`3`	USD 10,000,000 – 100,000,000
`4`	More than USD 100,000,000
`5`	N/A (new company)

string(1)

required

Expected monthly transaction volume in USD. M

Value	Range
`0`	Less than USD 50,000
`1`	USD 50,000 – 100,000
`2`	USD 100,000 – 500,000
`3`	USD 500,000 – 1,000,000
`4`	USD 1,000,000 – 5,000,000
`5`	More than USD 5,000,000

List<String>

required

Codes indicating the source of the merchant’s operating funds. Refer to the Enums appendix for valid values, e.g. ["03"]. M

List<String>

required

Codes describing the purpose of payments. Refer to the Enums appendix for valid values, e.g. ["26"]. M

string(2)

required

Whether the merchant conducts business with sanctioned jurisdictions (Iran, DPRK, Cuba). M

Value	Description
`0`	No
`1`	Yes

List<String>

required

Codes representing the type of identity documents held by the merchant’s customers. Refer to the Enums appendix for valid values. M

List<personInfo>

required

Identity documents for the merchant’s authorised representative(s). See the personInfo schema below. M

List<personInfo>

required

Identity documents for all beneficial owners holding more than 25% of shares. See the personInfo schema below. M

List<personInfo>

Identity documents for company directors. C — Required for merchants registered outside mainland China.

List<personInfo>

Identity documents for the legal representative. C — Required when countryCode is CN.

List<String>

required

SFTP paths to the board resolution or power-of-attorney documents authorising the application, e.g. ["uploadFile/board_resolution.pdf"]. M

string(2)

required

Whether the merchant has a parent company. 0 = No, 1 = Yes. M

string(2)

required

Whether the merchant has subsidiaries or branch offices. 0 = No, 1 = Yes. M

string(1)

required

Controls whether Gcashier Pay sends review status notifications to the merchant by email and SMS. 0 = Do not notify, 1 = Notify. M

string(255)

required

Your publicly accessible HTTPS endpoint that will receive the sp3101 webhook once the review is complete. M

string(10)

Process version identifier. Supply this when resubmitting an application after receiving a process ID of V2 or later. O

`businessNature` Object

object

required

Describes the merchant’s primary line of business. M

Show businessNature fields

string(2)

required

High-level business category. M

Value	Description
`0`	Goods Trade
`1`	Services Trade
`2`	E-commerce

List<String>

required

One or more business nature detail codes from the Enums appendix, e.g. ["45", "14"]. M

`personInfo` Object

The following schema applies to the customerId, shareholder, director, and legalPerson arrays.

string(2)

required

Document type. 0 = National ID Card, 1 = Passport. M

string(2)

required

ISO alpha-2 code of the country that issued the document, e.g. HK. M

string(64)

required

Full name exactly as it appears on the identity document. M

string(32)

required

Document number (passport number or ID card number). M

List<String>

required

SFTP paths to scanned images of the identity document. For ID cards, supply [front_image, back_image]. M

string(10)

Date of birth in yyyy-MM-dd format. O

string(10)

Document expiry date in yyyy-MM-dd format. Use 9999-12-31 for documents with no expiry. O

string(2)

required

ISO alpha-2 code of the person’s current country of residence. M

string(255)

required

Full current residential address of the person. M

Request Example

{
  "merOrderNo": "311516477399200",
  "referralChannel": "0103100001",
  "realCompanyAddress": "123 Main Street, Kowloon",
  "businessMainActors": "0",
  "lastYearTurnover": "2",
  "estimatedTradingVolume": "2",
  "certificateNo": "HK334333333",
  "addressType": "0",
  "companyWebsite": "https://www.example.com",
  "clientCountry": ["US", "GB"],
  "webSiteOrApp": "mystore.com",
  "businessNature": {
    "natureType": "2",
    "natures": ["45", "14"]
  },
  "noticeMarker": "1",
  "callbackUrl": "https://yourplatform.com/callback/merchant",
  "sourceFunds": ["03"],
  "paymentPurpose": ["26"],
  "riskCountryTransaction": "0",
  "branchRemark": "0",
  "parentRemark": "0",
  "certificate": ["uploadFile/reg_cert.png"],
  "customerIdentity": ["0"],
  "customerId": [
    {
      "type": "1",
      "issuPlace": "HK",
      "certName": "John Smith",
      "certNo": "A12345678",
      "certificates": ["uploadFile/passport_front.png"],
      "currentCountry": "HK",
      "currentAddress": "123 Main Street, Kowloon, HK"
    }
  ],
  "shareholder": [
    {
      "type": "1",
      "issuPlace": "HK",
      "certName": "Jane Doe",
      "certNo": "B98765432",
      "certificates": ["uploadFile/passport_front2.png"],
      "currentCountry": "HK",
      "currentAddress": "456 Queen Road, Central, HK"
    }
  ],
  "authorization": ["uploadFile/board_resolution.pdf"],
  "countryCode": "HK",
  "merNameEn": "Example Trading Limited",
  "email": "admin@example.com",
  "phoneAreaCode": "852",
  "phoneNum": "98765432",
  "payerCity": "Hong Kong"
}

Response Body

string(32)

required

Gcashier Pay’s internal business order number for this application. Store this value — you will need it to track the review and to submit any modifications via sp1102. M

string(32)

Echo of the merOrderNo you submitted in the request, if provided. O

string(6)

required

Synchronous processing status. Always ACCEPT for a successful submission, indicating the payload passed validation and has been queued for review. M

string(6)

required

Result code. S00001 means the application was received and is awaiting manual review. M

string(255)

required

Human-readable description of the result, e.g. "ACCEPT". M

Response Example

{
  "bizFlow": "210622162803810002",
  "merOrderNo": "311516477399200",
  "status": "ACCEPT",
  "code": "S00001",
  "message": "ACCEPT"
}

Notes

The ACCEPT status in the synchronous response only confirms that Gcashier Pay has received and validated your submission. The actual approval decision is delivered asynchronously via the sp3101 webhook posted to your callbackUrl. Do not treat ACCEPT as final approval.

Before going live, verify that your callbackUrl returns an HTTP 200 response to POST requests. Gcashier Pay will retry failed webhook deliveries, but delays in receipt can slow down your merchant’s onboarding.

All file paths in certificate, authorization, and certificates fields inside personInfo must be valid SFTP paths obtained from the Gcashier Pay file upload service. Submitting local file names or external URLs will cause the application to be rejected.

FileUpload

Transfer API

Market Specifics - Local Rails

Webhook Events

Beneficiary

Accounting

Meta Data API

Reference

sp1101 Agent Merchant Access Application

Endpoint

Request Parameters

Top-Level Fields

`businessNature` Object

`personInfo` Object

Request Example

Response Body

Response Example

Notes

​Endpoint

​Request Parameters

​Top-Level Fields

​businessNature Object

​personInfo Object

​Request Example

​Response Body

​Response Example

​Notes

Endpoint

Request Parameters

Top-Level Fields

`businessNature` Object

`personInfo` Object

Request Example

Response Body

Response Example

Notes