DEVELOPER





Simplified Enrollment

Partners can use the Merchant Boarding API to create a new application, generate an application link, and email the link to a merchant. The merchant will complete the application using our existing Simplified Enrollment dashboard, which can be whitelabeled for your brand. When the merchant is finished, the partner will be notified and can make any updates needed, or simply pass the application to our Validation endpoint to ensure the data meets requirements before submitting it to Underwriting. Contact us to start using the Simplified Enrollment solution to board merchants.

Get Authentication Token
Create New Application
Send Link to Merchant
Validate Application
Submit Application
Step 5
Submit Application
enroll/application/submit/{key}

Submit a completed application to Underwriting for review.





Custom Enrollment

Partners can use the Merchant Boarding API to collect merchant data the way that works best for their business. Partners can build custom dashboards where merchants can enter their own information, or applications can be completed by partners within their own environment on the merchant’s behalf. We require that these integrations meet certain requirements, including using our Two-Factor Authentication (2FA) endpoints when creating new applications, and collecting a digital merchant signature that meets Underwriting requirements. Contact us to start building a custom solution for your business.

Get Authentication Token
Create New Application
Initiate + Validate 2FA
Get Application PDF
Add Merchant Signature
Validate Application
Submit Application
Step 7
Submit Application
enroll/application/submit/{key}

Submit a completed application to Underwriting for review.













Functionality






Coding Tutorials



Release Notes


Changes to this API are released to the Sandbox environment approximately one month before the Production environment. This is intended to provide developers with enough time to implement and test the changes before the Production environment is affected. Two versions of the specification are published to reflect the current state of each environment. Toggle between the Production and Sandbox versions on the API specification page.



Version 1.42May 30th, 2025
Version 1.41April 20th, 2025
Version 1.40February 2nd, 2025
Version 1.39September 27th, 2024
Version 1.38August 30th, 2024
Version 1.37July 30th, 2024
Version 1.36May 29th, 2024
Version 1.35February 12th, 2024
Version 1.34November 20th, 2023
Version 1.33October 26th, 2023
Version 1.32September 28th, 2023
Version 1.31August 30th, 2023
Version 1.30August 3rd, 2023
Version 1.29June 21st, 2023
Version 1.28March 25th, 2023
Version 1.27January 21st, 2023
Version 1.26November 22nd, 2022
Version 1.25September 14th, 2022
©2025 North is a registered DBA of NorthAB, LLC. All rights reserved. North is a registered ISO of BMO Harris Bank N.A., Chicago, IL, Citizens Bank N.A., Providence, RI, The Bancorp Bank, Philadelphia, PA, FFB Bank, Fresno, CA, Wells Fargo Bank, N.A., Concord, CA, and PNC Bank, N.A.