> For the complete documentation index, see [llms.txt](https://docs.omni.integratedcommerce.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.omni.integratedcommerce.io/api-reference/webhook-events/merchant-lifecycle-events.md).

# Merchant Lifecycle Events

Notifications for merchant onboarding lifecycle events - merchant application progress, merchant approval decisions, and pricing template review decisions.

All merchant lifecycle events share one payload shape: an `event` envelope (id, type, timestamp, and the related merchant id once one exists) and a `data` section with the application, status transition, and pricing template details that apply to the event type. Fields that do not apply are null, so branch on the envelope's `type` rather than on the presence of a field.

Payloads are PII-safe by design - they never carry underwriting documents, bank details, or tax identifiers.

**Beta.** Merchant lifecycle events are in beta: the set of events and the payload can still change, and breaking changes are announced with a deprecation period.

Merchant lifecycle events are delivered on Svix webhooks only, never on legacy webhooks. Svix webhooks are invite only; see [Svix webhooks](https://fiska.gitbook.io/omni-payment-api/webhooks/svix).

Delivery, retries and signature verification work exactly as for [transaction events](https://fiska.gitbook.io/omni-payment-api/webhooks/events#transaction-events). See [Webhooks](https://fiska.gitbook.io/omni-payment-api/webhooks/webhooks).

{% openapi-webhook spec="omni-api" name="MerchantApplicationStarted" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}

{% openapi-webhook spec="omni-api" name="MerchantApplicationSubmitted" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}

{% openapi-webhook spec="omni-api" name="MerchantApplicationStatusChanged" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}

{% openapi-webhook spec="omni-api" name="MerchantApplicationRequiresAction" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}

{% openapi-webhook spec="omni-api" name="MerchantApplicationInfoUploaded" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}

{% openapi-webhook spec="omni-api" name="MerchantApproved" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}

{% openapi-webhook spec="omni-api" name="MerchantRejected" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}

{% openapi-webhook spec="omni-api" name="PricingTemplateApproved" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}

{% openapi-webhook spec="omni-api" name="PricingTemplateRejected" method="post" %}
[omni-api](https://4401d86825a13bf607936cc3a9f3897a.r2.cloudflarestorage.com/gitbook-x-prod-openapi/raw/24ccbd1bc3d5166f03d4c48f9c95aa1eccfc72e8e825bcdb998dfa48d699b222.yaml?X-Amz-Algorithm=AWS4-HMAC-SHA256\&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\&X-Amz-Credential=dce48141f43c0191a2ad043a6888781c%2F20260915%2Fauto%2Fs3%2Faws4_request\&X-Amz-Date=20260915T221107Z\&X-Amz-Expires=172800\&X-Amz-Signature=25bd18b806c25ad1c3432720ad224ec9b95f246d7fc0208294c858d91892eed2\&X-Amz-SignedHeaders=host\&x-amz-checksum-mode=ENABLED\&x-id=GetObject)
{% endopenapi-webhook %}