## Onboard an account

`embed.accounts.onboard(account_id, **kwargs) -> AccountV1`

**post** `/v1/accounts/{account_id}/onboard`

Initiates the onboarding process for a new account. This endpoint can only be used for accounts where at least one representative and one bank account have already been created.

### Parameters

- `account_id: String`

- `terms_of_service: TermsOfServiceV1`

  - `accepted_date: Time`

    The datetime of when the terms of service were accepted, in ISO 8601 format.

  - `agreement_type: :embedded | :direct`

    The type or version of the agreement accepted. Use `embedded` unless your platform was specifically enabled for `direct` agreements.

    - `:embedded`

    - `:direct`

  - `agreement_url: String`

    The URL where the full text of the accepted agreement can be found.

  - `accepted_ip: String`

    The IP address from which the terms of service were accepted.

  - `accepted_user_agent: String`

    The user agent string of the browser or application used to accept the terms.

- `correlation_id: String`

- `idempotency_key: String`

- `request_id: String`

### Returns

- `class AccountV1`

  - `data: { id, access_level, organization_id, 11 more}`

    - `id: String`

      Unique identifier for the account.

    - `access_level: :standard | :managed`

      The access level granted to the account. This is determined by your platform configuration. Use `standard` unless instructed otherwise by Straddle.

      - `:standard`

      - `:managed`

    - `organization_id: String`

      The unique identifier of the organization this account belongs to.

    - `status: :created | :onboarding | :active | 2 more`

      The current status of the account (e.g., 'active', 'inactive', 'pending').

      - `:created`

      - `:onboarding`

      - `:active`

      - `:rejected`

      - `:inactive`

    - `status_detail: { code, message, reason, source}`

      - `code: String`

        A machine-readable code for the specific status, useful for programmatic handling.

      - `message: String`

        A human-readable message describing the current status.

      - `reason: :unverified | :in_review | :pending | 6 more`

        A machine-readable identifier for the specific status, useful for programmatic handling.

        - `:unverified`

        - `:in_review`

        - `:pending`

        - `:stuck`

        - `:verified`

        - `:failed_verification`

        - `:disabled`

        - `:terminated`

        - `:new`

      - `source: :watchtower`

        Identifies the origin of the status change (e.g., `bank_decline`, `watchtower`). This helps in tracking the cause of status updates.

        - `:watchtower`

    - `type: :business`

      The type of account (e.g., 'individual', 'business').

      - `:business`

    - `business_profile: BusinessProfileV1`

      - `name: String`

        The operating or trade name of the business.

      - `website: String`

        URL of the business's primary marketing website.

      - `address: AddressV1`

        The address object is optional. If provided, it must be a valid address.

        - `city: String`

          City, district, suburb, town, or village.

        - `line1: String`

          Primary address line (e.g., street, PO Box).

        - `postal_code: String`

          Postal or ZIP code.

        - `state: String`

          Two-letter state code.

        - `country: String`

          The country of the address, in ISO 3166-1 alpha-2 format.

        - `line2: String`

          Secondary address line (e.g., apartment, suite, unit, or building).

      - `description: String`

        A brief description of the business and its products or services.

      - `industry: IndustryV1`

        - `category: String`

          The general category of the industry. Required if not providing MCC.

        - `mcc: String`

          The Merchant Category Code (MCC) that best describes the business. Optional.

        - `sector: String`

          The specific sector within the industry category. Required if not providing MCC.

      - `legal_name: String`

        The official registered name of the business.

      - `phone: String`

        The primary contact phone number for the business.

      - `support_channels: SupportChannelsV1`

        - `email: String`

          The email address for customer support inquiries.

        - `phone: String`

          The phone number for customer support.

        - `url: String`

          The URL of the business's customer support page or contact form.

      - `tax_id: String`

        The business's tax identification number (e.g., EIN in the US).

      - `use_case: String`

        A description of how the business intends to use Straddle's services.

    - `capabilities: { consent_types, customer_types, payment_types}`

      - `consent_types: { internet, signed_agreement}`

        - `internet: CapabilityV1`

          Whether the internet payment authorization capability is enabled for the account.

          - `capability_status: :active | :inactive`

            - `:active`

            - `:inactive`

        - `signed_agreement: CapabilityV1`

          Whether the signed agreement payment authorization capability is enabled for the account.

      - `customer_types: { businesses, individuals}`

        - `businesses: CapabilityV1`

        - `individuals: CapabilityV1`

      - `payment_types: { charges, payouts}`

        - `charges: CapabilityV1`

        - `payouts: CapabilityV1`

    - `created_at: Time`

      Timestamp of when the account was created.

    - `external_id: String`

      Unique identifier for the account in your database, used for cross-referencing between Straddle and your systems.

    - `metadata: Hash[Symbol, String]`

      Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the account in a structured format.

    - `settings: { charges, payouts}`

      - `charges: { daily_amount, funding_time, linked_bank_account_id, 3 more}`

        - `daily_amount: Integer`

          The maximum dollar amount of charges in a calendar day.

        - `funding_time: :immediate | :next_day | :one_day | 4 more`

          The amount of time it takes for a charge to be funded. This value is defined by Straddle.

          - `:immediate`

          - `:next_day`

          - `:one_day`

          - `:two_day`

          - `:three_day`

          - `:four_day`

          - `:five_day`

        - `linked_bank_account_id: String`

          The unique identifier of the linked bank account associated with charges. This value is defined by Straddle.

        - `max_amount: Integer`

          The maximum amount of a single charge.

        - `monthly_amount: Integer`

          The maximum dollar amount of charges in a calendar month.

        - `monthly_count: Integer`

          The maximum number of charges in a calendar month.

      - `payouts: { daily_amount, funding_time, linked_bank_account_id, 3 more}`

        - `daily_amount: Integer`

          The maximum dollar amount of payouts in a day.

        - `funding_time: :immediate | :next_day | :one_day | 4 more`

          The amount of time it takes for a payout to be funded. This value is defined by Straddle.

          - `:immediate`

          - `:next_day`

          - `:one_day`

          - `:two_day`

          - `:three_day`

          - `:four_day`

          - `:five_day`

        - `linked_bank_account_id: String`

          The unique identifier of the linked bank account to use for payouts.

        - `max_amount: Integer`

          The maximum amount of a single payout.

        - `monthly_amount: Integer`

          The maximum dollar amount of payouts in a month.

        - `monthly_count: Integer`

          The maximum number of payouts in a month.

    - `terms_of_service: TermsOfServiceV1`

      - `accepted_date: Time`

        The datetime of when the terms of service were accepted, in ISO 8601 format.

      - `agreement_type: :embedded | :direct`

        The type or version of the agreement accepted. Use `embedded` unless your platform was specifically enabled for `direct` agreements.

        - `:embedded`

        - `:direct`

      - `agreement_url: String`

        The URL where the full text of the accepted agreement can be found.

      - `accepted_ip: String`

        The IP address from which the terms of service were accepted.

      - `accepted_user_agent: String`

        The user agent string of the browser or application used to accept the terms.

    - `updated_at: Time`

      Timestamp of the most recent update to the account.

  - `meta: ResponseMetadata`

    Metadata about the API request, including an identifier and timestamp.

    - `api_request_id: String`

      Unique identifier for this API request, useful for troubleshooting.

    - `api_request_timestamp: Time`

      Timestamp for this API request, useful for troubleshooting.

  - `response_type: :object | :array | :error | :none`

    Indicates the structure of the returned content.

    - "object" means the `data` field contains a single JSON object.
    - "array" means the `data` field contains an array of objects.
    - "error" means the `data` field contains an error object with details of the issue.
    - "none" means no data is returned.

    - `:object`

    - `:array`

    - `:error`

    - `:none`

### Example

```ruby
require "straddle"

straddle = Straddle::Client.new(
  api_key: "My API Key",
  environment: "production" # defaults to "sandbox"
)

account_v1 = straddle.embed.accounts.onboard(
  "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
  terms_of_service: {accepted_date: "2019-12-27T18:11:19.117Z", agreement_type: :embedded, agreement_url: "agreement_url"}
)

puts(account_v1)
```

#### Response

```json
{
  "data": {
    "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "access_level": "standard",
    "organization_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "status": "created",
    "status_detail": {
      "code": "code",
      "message": "message",
      "reason": "unverified",
      "source": "watchtower"
    },
    "type": "business",
    "business_profile": {
      "name": "name",
      "website": "https://example.com",
      "address": {
        "city": "city",
        "line1": "line1",
        "postal_code": "21029-1360",
        "state": "SE",
        "country": "country",
        "line2": "line2"
      },
      "description": "description",
      "industry": {
        "category": "category",
        "mcc": "mcc",
        "sector": "sector"
      },
      "legal_name": "legal_name",
      "phone": "+46991022",
      "support_channels": {
        "email": "dev@stainless.com",
        "phone": "+46991022",
        "url": "https://example.com"
      },
      "tax_id": "210297980",
      "use_case": "use_case"
    },
    "capabilities": {
      "consent_types": {
        "internet": {
          "capability_status": "active"
        },
        "signed_agreement": {
          "capability_status": "active"
        }
      },
      "customer_types": {
        "businesses": {
          "capability_status": "active"
        },
        "individuals": {
          "capability_status": "active"
        }
      },
      "payment_types": {
        "charges": {
          "capability_status": "active"
        },
        "payouts": {
          "capability_status": "active"
        }
      }
    },
    "created_at": "2019-12-27T18:11:19.117Z",
    "external_id": "external_id",
    "metadata": {
      "foo": "string"
    },
    "settings": {
      "charges": {
        "daily_amount": 0,
        "funding_time": "immediate",
        "linked_bank_account_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
        "max_amount": 0,
        "monthly_amount": 0,
        "monthly_count": 0
      },
      "payouts": {
        "daily_amount": 0,
        "funding_time": "immediate",
        "linked_bank_account_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
        "max_amount": 0,
        "monthly_amount": 0,
        "monthly_count": 0
      }
    },
    "terms_of_service": {
      "accepted_date": "2019-12-27T18:11:19.117Z",
      "agreement_type": "embedded",
      "agreement_url": "agreement_url",
      "accepted_ip": "accepted_ip",
      "accepted_user_agent": "accepted_user_agent"
    },
    "updated_at": "2019-12-27T18:11:19.117Z"
  },
  "meta": {
    "api_request_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "api_request_timestamp": "2019-12-27T18:11:19.117Z"
  },
  "response_type": "object"
}
```