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Entity IDs and Object Types

Every Node in the Highnote API has a globally unique ID. Treat IDs as opaque strings you pass back to Highnote, not as structured data to parse.

Every entity ID starts with a short prefix that indicates its type, followed by a hash value. But prefixes can change, so you should not treat them as a stable contract.

Throughout this documentation set, angle-bracketed placeholder text in all caps stands in for real values. For example:

EntityPrefixPlaceholder in Docs
FinancialAccountac_a1b2c3...<FINANCIAL_ACCOUNT_ID>
PaymentCardcd_a1b2c3...<PAYMENT_CARD_ID>
CardProductpd_a1b2c3...<CARD_PRODUCT_ID>

Identify types with __typename​

For programmatic type identification, use the __typename field — it is available on every object in the Highnote API and matches the GraphQL type name exactly:

query {
node(id: "<FINANCIAL_ACCOUNT_ID>") {
__typename
id
}
}
{
"data": {
"node": {
"__typename": "FinancialAccount",
"id": "<FINANCIAL_ACCOUNT_ID>"
}
}
}

Documentation placeholders​

Enum values are all caps without angle-brackets.

Interactive examples throughout the documentation use angle-bracketed placeholders to stand in for real values. Anything wrapped in <...> is a placeholder you replace with your own data before sending a request, or a stand-in for the opaque value Highnote returns in a response.

{
"variables": {
"financialAccountId": "<FINANCIAL_ACCOUNT_ID>"
}
}

The placeholder naming follows a few consistent conventions.

Entity ID placeholders​

Entity ID placeholders use the entity name in UPPER_SNAKE_CASE with an _ID suffix:

  • <FINANCIAL_ACCOUNT_ID> → replace with a real FinancialAccount ID (e.g., ac_...)
  • <PAYMENT_CARD_ID> → replace with a real PaymentCard ID (e.g., cd_...)
  • <CARD_PRODUCT_ID> → replace with a real CardProduct ID (e.g., pd_...)

When an example has multiple IDs of the same entity type, the placeholder gets a numeric suffix to distinguish them:

{
"edges": [
{ "node": { "id": "<FINANCIAL_ACCOUNT_ID_1>" } },
{ "node": { "id": "<FINANCIAL_ACCOUNT_ID_2>" } }
]
}

When the distinction between IDs carries meaning that a numeric suffix would lose — for example, multi-party payment splits or single-use vs. reusable tokens — the suffix can be descriptive instead:

{
"disburseToId": "<FINANCIAL_ACCOUNT_ID_APPLE_SELLER>",
"paymentMethodTokenId": "<PAYMENT_METHOD_TOKEN_SINGLE_USE_1>"
}

Values you provide​

Customer-provided values — IDs you generate or assign in your own systems — use a YOUR_ prefix:

  • <YOUR_EXTERNAL_ID> — an external ID you set on a Highnote entity to reference it in your own system
  • <YOUR_MERCHANT_ID> — an identifier you assign to a merchant in your system
  • <YOUR_IDEMPOTENCY_KEY> — a UUID you generate for idempotency
  • <YOUR_CUSTOMER_ID> — an identifier you assign to an end-user
  • <YOUR_FINICITY_CUSTOMER_ID> — your Finicity partner-issued customer ID

Opaque tokens and generated values​

Some values are opaque tokens or platform-generated identifiers that behave differently from entity IDs. These use descriptive names without the _ID suffix:

  • <DIGITAL_WALLET_TOKEN> — a digital wallet token (Apple Pay, Google Pay, etc.)
  • <PAYMENT_METHOD_TOKEN> — a tokenized payment method
  • <CURSOR> — a pagination cursor used with after: and before: arguments
  • <REQUEST_ID> — a Highnote-generated request trace ID returned in the extensions field of every response

Interfaces and unions​

Some placeholders refer to GraphQL interfaces or unions with multiple concrete types. When an example includes the __typename field, the placeholder name matches the concrete type. When no __typename is shown, the placeholder uses the interface or umbrella name.

Country-specific prefixes like US are dropped from placeholder names because the placeholder convention should remain stable if Highnote expands to other regions. For example, USBusinessAuthorizedPerson becomes <BUSINESS_AUTHORIZED_PERSON_ID>, and USPersonAccountHolder becomes <PERSON_ACCOUNT_HOLDER_ID>.

For example, TransactionEvent is an interface with many concrete event types (AuthorizationEvent, ClearingEvent, AdjustmentEvent, etc.). An example that queries __typename might show <AUTHORIZATION_EVENT_ID>, while a response that omits __typename shows <TRANSACTION_EVENT_ID> to indicate "any event in the interface."

Placeholder reference​

The table below maps each placeholder used in documentation examples to its underlying GraphQL type. Placeholders for interfaces and unions include the concrete subtypes in the Variations column.

PlaceholderEntityVariations
<ACCOUNT_HOLDER_APPLICATION_DOCUMENT_ID>AccountHolderApplicationDocument
<ACCOUNT_HOLDER_APPLICATION_ID>AccountHolderCardProductApplication
<ACCOUNT_HOLDER_CARD_PRODUCT_APPLICATION_ID>AccountHolderCardProductApplication
<ACCOUNT_HOLDER_CARD_PRODUCT_APPLICATION_OFFER_ID>AccountHolderCardProductApplicationOffer
<ACCOUNT_HOLDER_FINANCIAL_ACCOUNT_ID>FinancialAccount
<ACCOUNT_HOLDER_ID>AccountHolderUSBusinessAccountHolder, USPersonAccountHolder, Organization, Business
<ACCOUNT_HOLDER_PROVISIONING_ID>AccountHolderProvisioning
<ACCOUNT_HOLDER_PROVISIONING_WORKFLOW_ACTION_ID>AccountHolderProvisioningWorkflowAction
<ACCOUNT_HOLDER_RISK_SCORE_ID>AccountHolderRiskScore
<ACCOUNT_ID>FinancialAccount
<ACCOUNT_TRANSFER_ID>InterFinancialAccountTransfer
<ACH_TRANSFER_ID>AchTransferOriginatedAchTransfer, NonOriginatedAchTransfer
<ADDRESS_TOKEN_ID>ValidatedAddressToken
<APPLICATION_CONTRACT_ID>ApplicationContract
<APPLICATION_ID>ProductApplication
<APPLICATION_SNAPSHOT_ID>AccountHolderCardProductApplicationSnapshot
<ATTACHMENT_ID>RewardRedemptionAttachment (verify)
<AUTHORIZED_PERSON_ID>AuthorizedPerson (any subtype when __typename is not specified)USBusinessAuthorizedPerson, USPersonAuthorizedUser
<AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_ID>AuthorizedUserCardProductApplication
<AUTHORIZED_USER_ID>USPersonAuthorizedUser
<BALANCE_RESERVE_ACCOUNT_ID>FinancialAccount
<BENEFICIAL_OWNER_ID>USBusinessUltimateBeneficialOwner
<BUSINESS_ACCOUNT_HOLDER_ID>USBusinessAccountHolder
<BUSINESS_AUTHORIZED_PERSON_ACCOUNT_HOLDER_ID>USBusinessAuthorizedPersonAccountHolder (verify)
<BUSINESS_AUTHORIZED_PERSON_ID>USBusinessAuthorizedPerson
<BUSINESS_ID>Business
<BUSINESS_PROFILE_ID>USBusinessProfile
<BUSINESS_ULTIMATE_BENEFICIAL_OWNER_ID>USBusinessUltimateBeneficialOwner
<CARD_HOLDER_AGREEMENT_ID>CardProductAgreement (verify)
<CARD_ORDER_ID>PhysicalPaymentCardOrder
<CARD_PAYMENT_DISPUTE_ID>CardPaymentDispute
<CARD_PRODUCT_APPLICATION_ID>CardProductApplication (any subtype when __typename is not specified)AccountHolderCardProductApplication, AuthorizedUserCardProductApplication
<CARD_PRODUCT_ID>CardProduct
<CARD_PROFILE_SET_ID>CardProfileSet
<CARD_VERTICAL>CardProductVertical enum placeholder (replace with an enum value such as CONSUMER_PREPAID)
<CATALOG_ITEM_ID>CatalogItem
<CHARGEBACK_ID>PaymentCardTransactionChargeback
<CHARGED_FEE_TRANSFER_ID>FeeTransferChargedFeeTransfer, ReversedFeeTransfer
<CHECK_PAYMENT_EVENT_ID>CheckPaymentEvent
<CHECK_PAYMENT_ID>CheckPayment
<CITY>City (locality) placeholder (used in address examples)
<CLIENT_TOKEN_VALUE>Opaque client token value used to authorize SDK-side calls
<COLLABORATIVE_AUTHORIZATION_ENDPOINT_ID>CollaborativeAuthorizationEndpoint
<CONSENT_TEMPLATE_ID>ConsentTemplate (verify)
<CONSENT_TIMESTAMP>Timestamp of the applicant's consent (ISO 8601)
<CREDIT_CARD_TRANSFER_ACCRUAL_EVENT_ID>CreditCardTransferAccrualEvent (verify)
<CREDIT_CARD_TRANSFER_EVENT_ID>CreditCardTransferEvent
<CREDIT_CARD_TRANSFER_REVERSAL_EVENT_ID>CreditCardTransferReversalEvent (verify)
<CREDIT_LIMIT_CHANGE_REQUEST_ID>CreditLimitChangeRequest
<CREDIT_LIMIT_UPDATE_ID>FinancialAccountCreditLimitUpdateFromProductFunding
<CREDIT_PLAN_ID>CreditPlan
<CREDIT_PLAN_TEMPLATE_ID>CreditPlanTemplate
<CUMULATIVE_RULE_ID>CumulativeRule (verify)
<CURSOR>Pagination cursor (opaque string)
<CURSOR_ID>Pagination cursor (legacy _ID suffix; see <CURSOR> above)
<DATE_OF_BIRTH>Date-of-birth placeholder (used in person-identity examples)
<DELIVERY_ATTEMPT_ID>DeliveryAttempt
<DIGITAL_CARD_PROFILE_ID>DigitalCardProfile
<DIGITAL_WALLET_TOKEN>CardDigitalWalletToken
<DIRECT_DEPOSIT_DETAIL_ID>DirectDepositDetail
<DISBURSEMENT_TRANSFER_EVENT_ID>DisbursementTransferEvent
<DISPUTE_CASE_ID>PaymentCardTransactionDispute
<DISPUTE_ID>CardPaymentDispute
<DOCUMENT_UPLOAD_FILE_ID>DocumentUploadFile (verify)
<DOCUMENT_UPLOAD_LINK_ID>DocumentUploadLink
<DOCUMENT_UPLOAD_SESSION_ID>DocumentUploadSession
<DOCUMENT_UPLOAD_SESSION_LINK_ID>DocumentUploadSessionLink (verify)
<DOING_BUSINESS_AS_NAME>Doing-business-as name placeholder (used in business-profile examples)
<ELECTRONIC_FUNDS_TRANSFER_ID>ElectronicFundsTransferPayrollTransfer, CreditFunds, DebitFunds, SecureDepositACHTransfer, SecureDeposit, IntegratorInitiatedFundsWithdrawalACHTransfer, IntegratorInitiatedFundsDepositACHTransfer, SecureCardBalanceRepaymentACHTransfer, ExternallyInitiatedWireTransfer, OriginatedAchTransfer, NonOriginatedAchTransfer, ExternalMoneyMovementTransaction
<EMPLOYEE_FINANCIAL_ACCOUNT_ID>FinancialAccount
<EMPLOYER_FINANCIAL_ACCOUNT_ID>FinancialAccount
<EMPLOYER_NAME>Customer-provided employer name (example data)
<ENDPOINT_ID>CollaborativeAuthorizationEndpoint
<END_CURSOR_ID>Pagination end cursor (legacy _ID suffix; see <CURSOR> above)
<ENHANCED_DATA_EVENT_ID>EnhancedDataEvent
<ENHANCED_DATA_ID>TransactionEnhancedData (verify)
<ENHANCED_TRANSACTION_EVENTS_ID>TransactionEventReversalEvent, ClearingEvent, EnhancedDataEvent, AuthorizationEvent, IssuerPreliminaryAuthorizationEvent, AuthorizationAndClearEvent, VerificationEvent, BalanceInquiryEvent, AdjustmentEvent
<EXPIRATION_DATE>Expiration date string (e.g., MM/YY)
<EXTERNAL_ACCOUNT_ID>VerifiedExternalBankAccount (verify)
<EXTERNAL_BANK_ACCOUNT_ID>ExternalBankAccount (verify)
<EXTERNAL_FINANCIAL_ACCOUNT_ID>ExternalFinancialAccountExternalFinancialBankAccount, NonVerifiedExternalUSFinancialBankAccount
<EXTERNAL_FINANCIAL_BANK_ACCOUNT_ID>ExternalFinancialBankAccount
<EXTERNAL_ID>Subscriber-assigned external ID on a Highnote entity (see <YOUR_EXTERNAL_ID> above)
<EXTERNAL_MONEY_MOVEMENT_TRANSACTION_EVENT_ID>ExternalMoneyMovementTransactionEvent
<EXTERNAL_MONEY_MOVEMENT_TRANSACTION_ID>ExternalMoneyMovementTransaction
<EXTERNAL_PHYSICAL_PAYMENT_CARD_ORDER_ID>ExternalPhysicalPaymentCardOrder
<FAMILY_NAME>Family-name placeholder (used in person-identity examples)
<FEE_CHARGE_EVENT_ID>FeeChargeEvent
<FEE_CHARGE_RULE_COUNT_CONDITION_ID>FeeChargeRuleCountCondition
<FEE_CHARGE_RULE_ID>FeeChargeRule
<FEE_CONFIGURATION_ID>FeeConfiguration
<FEE_REVERSAL_EVENT_ID>FeeReversalEvent
<FEE_SCHEDULE_ID>FeeSchedule
<FEE_TRANSFER_EVENT_ID>FeeTransferEvent
<FEE_TRANSFER_ID>FeeTransferChargedFeeTransfer, ReversedFeeTransfer
<FINANCIAL_ACCOUNT_ID>FinancialAccount
<FINANCIAL_ACCOUNT_LEDGER_ID>Ledger
<FINANCIAL_ACCOUNT_SNAPSHOT_ID>FinancialAccountSnapshot
<FINANCIAL_ACCOUNT_STATEMENT_ID>FinancialAccountStatementProduct-specific statement types (Consumer/Commercial × Credit/Prepaid/Charge)
<FLEXIBLE_CREDENTIAL_ATTEMPT_EVENT_ID>FlexibleCredentialAttemptEvent
<FLEXIBLE_CREDENTIAL_ID>FlexibleCredential
<FULFILLMENT_ID>PaymentCardFulfillment (verify)
<GIVEN_NAME>Given-name placeholder (used in person-identity examples)
<GLOBAL_NOTE_ID>GlobalNote
<GROUP_CARD_ORDER_ID>PhysicalCardGroupOrder
<GROUP_ORDER_ID>PhysicalCardGroupOrder
<HASH>Hash value (e.g., a card-number hash)
<IDEMPOTENCY_KEY>Idempotency key for the request (see <YOUR_IDEMPOTENCY_KEY> above)
<INSTALLMENT_AGREEMENT_ID>InstallmentAgreement
<INSTANT_NETWORK_TRANSFER_EVENT_ID>InstantNetworkTransferEvent
<INSTANT_NETWORK_TRANSFER_ID>InstantNetworkTransfer
<INTERNAL_TRANSFER_ID>InterFinancialAccountTransfer
<INTER_FINANCIAL_ACCOUNT_TRANSFER_EVENT_ID>InterFinancialAccountTransferEvent
<INTER_FINANCIAL_ACCOUNT_TRANSFER_ID>InterFinancialAccountTransfer
<IP_ADDRESS>IP-address placeholder (e.g., consent capture)
<LEDGER_ENTRY_ID>LedgerEntryCreditLedgerEntry, DebitLedgerEntry
<LEDGER_ID>Ledger
<LEGAL_BUSINESS_NAME>Legal business-name placeholder (used in business-profile examples)
<MASTERCARD_FLEET_AUTHORIZATION_DATA_ID>MastercardFleetAuthorizationData
<MERCHANT_ACCEPTOR_ID>MerchantAcceptor
<MERCHANT_DESCRIPTOR>Merchant descriptor shown to cardholders on statements
<MERCHANT_ID>Merchant
<NAME>Free-form name placeholder
<NODE_ID>Generic node identifier (used in Node interface examples)
<NOTIFICATION_EVENT_ID>NotificationEvent
<NOTIFICATION_TARGET_ID>WebhookNotificationTarget
<NUMBER>Free-form number placeholder (e.g., card number)
<ORDER_ID>Generic order identifier (specific orders use entity-specific placeholders like <CARD_ORDER_ID> or <PHYSICAL_CARD_ORDER_ID>)
<ORGANIZATION_ID>Organization
<PAYMENT_CARDHOLDER_ID>AccountHolderUSBusinessAccountHolder, USPersonAccountHolder, Organization, Business
<PAYMENT_CARD_ID>PaymentCard
<PAYMENT_CARD_SNAPSHOT_ID>PaymentCardSnapshot
<PAYMENT_CARD_TRANSACTION_CHARGEBACK_ID>PaymentCardTransactionChargeback
<PAYMENT_CARD_TRANSACTION_DISPUTE_ID>PaymentCardTransactionDispute
<PAYMENT_METHOD_TOKEN>PaymentMethodToken
<PAYMENT_ORDER_ID>PaymentOrder
<PAYMENT_STEP_ID>PaymentTransactionStep (verify)
<PAYMENT_TRANSACTION_ID>PaymentTransactionPaymentDebitTransaction, PaymentCreditTransaction
<PAYMENT_TRANSACTION_SUMMARY_ID>PaymentTransactionSummaryPaymentDebitTransactionSummary, PaymentCreditTransactionSummary
<PERSON_ACCOUNT_HOLDER_ID>USPersonAccountHolder
<PERSON_AUTHORIZED_USER_ID>USPersonAuthorizedUser
<PERSON_EMAIL>Email placeholder (used in person-identity examples)
<PHONE_NUMBER>Free-form phone-number placeholder
<PHYSICAL_CARD_GROUP_ORDER_ID>PhysicalCardGroupOrder
<PHYSICAL_CARD_ORDER_ID>PhysicalPaymentCardOrder
<PHYSICAL_PAYMENT_CARD_ID>PhysicalPaymentCard (verify)
<PHYSICAL_PAYMENT_CARD_ORDER_ID>PhysicalPaymentCardOrder
<POSTAL_CODE>Postal-code placeholder (used in address examples)
<PREVIOUS_APPLICATION_ID>AccountHolderCardProductApplication
<PRICING_PLAN_ID>PricingPlan
<PRIMARY_AUTHORIZED_PERSON_ID>AuthorizedPersonUSBusinessAuthorizedPerson, USBusinessAuthorizedPersonSnapshot, BusinessAuthorizedPerson
<PRODUCT_APPLICATION_ID>ProductApplication
<PRODUCT_BALANCE_ID>ProductBalance (verify)
<PRODUCT_FUNDING_ACCOUNT_ID>FinancialAccount
<PRODUCT_RESERVE_ACCOUNT_ID>FinancialAccount
<PSEUDO_BALANCE_UPDATE_ID>PseudoBalanceUpdate (verify)
<RECEIVER_NUMBER>Receiver identification number on an ACH transfer
<REDEMPTION_CONFIGURATION_ID>RewardRedemptionConfiguration
<REGION>Region/state placeholder (used in address examples)
<REPORT_ID>Report
<REQUESTED_IDENTITY_UPDATE_ID>RequestedIdentityUpdate
<REQUEST_ID>Highnote-generated request trace ID (returned in extensions)
<REVIEW_WORKFLOW_EVENT_ID>ReviewWorkflowEvent
<REWARD_EARN_RULE_ID>RewardEarnRuleRewardMerchantCategoryEarnRule, RewardDefaultEarnRule
<REWARD_POINTS_TRANSFER_ID>RewardPointsTransfer
<REWARD_REDEMPTION_ATTACHMENT_ID>RewardRedemptionAttachment (verify)
<REWARD_REDEMPTION_CONFIGURATION_ID>RewardRedemptionConfiguration
<RTP_TRANSFER_EVENT_ID>RtpTransferEventOriginatedRtpTransferEvent, NonOriginatedRtpTransferEvent
<RTP_TRANSFER_ID>RtpTransferOriginatedRtpTransfer, NonOriginatedRtpTransfer
<SCHEDULED_TRANSFER_EVENT_ID>ScheduledTransferEvent
<SCHEDULED_TRANSFER_ID>ScheduledTransfer
<SECRET_KEY>Highnote-issued API secret key value
<SECRET_KEY_ID>SecretKey (verify)
<SECURED_DEPOSIT_IFA_TRANSFER_ID>InterFinancialAccountTransfer
<SECURED_DEPOSIT_PRODUCT_FINANCIAL_ACCOUNT_ID>FinancialAccount
<SECURED_DEPOSIT_REVERSAL_IFA_TRANSFER_ID>InterFinancialAccountTransfer
<SIGNING_KEY_ID>SigningKey
<SOME_ID>Generic ID placeholder (used in conceptual examples; replace per context)
<SOURCE_APPLICATION_ID>AccountHolderCardProductApplication
<SOURCE_FINANCIAL_ACCOUNT_ID>FinancialAccount
<SPEND_RULE_ID>SpendRuleConcrete subtypes: AmountLimitSpendRule, MerchantCategorySpendRule, CVVSpendRule, and others
<SSN>Social Security number placeholder (used in person-identity examples)
<START_CURSOR_ID>Pagination start cursor (legacy _ID suffix; see <CURSOR> above)
<STATEMENT_ID>FinancialAccountStatementSecuredDepositCommercialCreditCardFinancialAccountStatement, CreditPayInFullCardFinancialAccountStatement, ConsumerChargeCardFinancialAccountStatement, ConsumerPrepaidCardFinancialAccountStatement, ConsumerRevolvingCardFinancialAccountStatement, CommercialChargeCardFinancialAccountStatement, CommercialRevolvingCardFinancialAccountStatement
<STREET_ADDRESS>Street-address placeholder (used in address examples)
<SUPPORT_EMAIL>Customer-support email placeholder (used in business-profile examples)
<TARGET_ID>Generic target entity identifier
<TAX_ID_NUMBER>Tax identification number placeholder (used in business-profile examples)
<TOKENIZED_DATA_TOKEN>Opaque tokenized-data token
<TOKEN_ID>Generic token identifier
<TRANSACTION_ENHANCED_DATA_ID>TransactionEnhancedData (verify)
<TRANSACTION_EVENT_ID>TransactionEventConcrete subtypes: AuthorizationEvent, ClearingEvent, AdjustmentEvent, ReversalEvent, and others
<TRANSACTION_ID>TransactionConcrete subtypes: DebitTransaction, CreditTransaction
<TRANSFER_ID>Transfer
<ULTIMATE_BENEFICIAL_OWNER_ID>USBusinessUltimateBeneficialOwner
<UNIFIED_FUNDS_TRANSFER_ID>UnifiedFundsTransfer
<UNIFIED_FUNDS_TRANSFER_QUOTE_ID>UnifiedFundsTransferQuote
<UNIFIED_FUNDS_TRANSFER_STEP_ID>UnifiedFundsTransferStepUnifiedFundsTransferInitiateRequestStep, UnifiedFundsTransferInstantNetworkTransferStep, UnifiedFundsTransferRtpStep
<USER_DEFINED_FIELD_DEFINITION_ID>UserDefinedFieldDefinition
<USER_DEFINED_FIELD_ID>UserDefinedField
<USER_ID>User
<VALIDATED_ADDRESS_ID>ValidatedAddress
<VELOCITY_RULE_ID>VelocityRule
<VERIFIED_EXTERNAL_ACCOUNT_ID>VerifiedExternalBankAccount (verify)
<VIRTUAL_CARD_PROFILE_ID>VirtualCardProfile
<VISA_FLEET_AUTHORIZATION_DATA_ID>VisaFleetAuthorizationData
<WEBHOOK_NOTIFICATION_TARGET_ID>WebhookNotificationTarget
<WIRE_TRANSFER_ID>WireTransfer
<WIRE_TRANSFER_REVERSAL_ID>WireTransferReversal (verify)
<WORKFLOW_CONFIGURATION_ID>WorkflowConfiguration (verify)
<YOUR_APPLICATION_ID>Subscriber-assigned application ID
<YOUR_CONSENT_TEMPLATE_ID>Customer-defined consent template identifier
<YOUR_CUSTOMER_ID>Customer-provided end-user identifier
<YOUR_EXTERNAL_ID>Customer-provided external ID on a Highnote entity
<YOUR_FINICITY_CUSTOMER_ID>Customer-provided Finicity partner customer ID
<YOUR_IDEMPOTENCY_KEY>Customer-generated idempotency key (UUID)
<YOUR_MERCHANT_ID>Customer-assigned merchant identifier