Digital Transactions Authoritative, insightful and timely information for payments professionals
North’s Merchant Management API gives Wholesale ISOs, Full Service Providers (FSPs), and Payment Facilitators deep, It is designed for partners that own risk, manage underwriting, and want to differentiate themselves with custom tools and portals for both internal teams and merchants.
What the Merchant Management API does
At its core, the Merchant Management API lets partners build their own dashboards and workflows on top of North’s system of record. Instead of relying on multiple legacy portals or submitting tickets for every change, partners can centralize merchant operations in a single experience.
Using the API, partners can:
- View and act on merchant accounts
- See underwriting statuses
- Track sales activity
- Add notes and handle merchant inquiries
- View and associate supporting documentation
- Configure pricing and fees
- Manage fee schedules and rates
- Adjust discount and billing frequencies
- Update transaction parameters
- Control batch processing settings
- Manage risk and disputes
- Review chargebacks and dispute activity
- Monitor transaction volume and average ticket size
- Set processing limits and high-ticket overrides
- Oversee compliance and tax status
- Manage compliance billing tiers
- Monitor PCI compliance status
- Track TIN and tax status
- Control hardware and terminals
- Deploy and activate terminals
- Configure terminal settings
- Track terminal inventory and status
Unlike read-only data feeds, the Merchant Management API is write-capable. Partners can view data as well as update it directly, from pricing profiles to, where permitted and validated, funding account changes. Those updates keep the partner’s own CRM in sync with North’s system of record, in real time.
How partners and merchants use the API
A key advantage of the Merchant Management API is its ability to support multiple front-end experiences from the same endpoints.
Partners can build internal dashboards for operations teams, recreating or extending North’s merchant access tools so staff can search and manage merchants, adjust parameters, and handle inquiries without leaving the partner environment.
They can also offer merchants a branded, self-service portal where, based upon the partner’s risk policies, merchants manage account details, update banking information, handle disputes, and monitor terminals. This lets ISOs, FSPs, and PayFacs deliver differentiated, white-label tools while relying on North’s infrastructure behind the scenes.
Partners the API is designed for
Because the Merchant Management API exposes the highest level of operational control, it is not a self-service integration. Access is limited to North’s Wholesale ISO, FSP, and Payment Facilitator program.
Wholesale ISOs take on risk and liability, while North remains party to the merchant agreement with the sponsoring bank. Full Service Providers have even more control and are directly party to the merchant agreement. Given the investment and responsibility, the API is best suited to partners with significant scale and proven underwriting and risk expertise.
North’s Merchant Management API delivers CRM-level control in a single, modern interface, helping qualified partners manage their portfolios more efficiently and improve the merchant experience end to end.
To see if North’s Merchant Management API is a fit for your portfolio, visit developer.north.com and explore the Merchant Manager API, or reach out to a North sales representative to discuss next steps and integration options.
