MerchantDataRequest

{
    "merchantIdentity": {
        "merchantId": "your_internal_merchant_id",
        "businessName": "Yakoyo Foods Ltd",
        "businessType": "REGISTERED_BUSINESS",
        "marketplaceOnboardingDate": "2023-06-15T00:00:00.000Z",
        "verificationStatus": true,
        "location": "Lagos, Nigeria",
        "country": "Nigeria",
        "category": "food_beverages"
    },
    "salesPerformance": {
        "gmv30Days": 2500000,
        "gmv90Days": 8200000,
        "gmv180Days": 18500000,
        "avgMonthlySales": 3100000,
        "orderCount": 456,
        "avgOrderValue": 6800,
        "salesGrowthRate": 15.5
    },
    "revenueConsistency": {
        "monthlySalesVariance": 12.5,
        "zeroSalesMonths": 0,
        "longestSalesStreak": 18,
        "revenueConcentration": 35.2
    },
    "fulfillmentMetrics": {
        "fulfillmentRate": 97.8,
        "cancellationRate": 2.1,
        "refundRate": 1.5,
        "refundAmount": 45000,
        "disputeRate": 0.8,
        "lateDeliveryRate": 3.2
    },
    "payoutCashFlow": {
        "payoutFrequency": "DAILY",
        "avgPayoutValue": 775000,
        "failedPayouts": 0,
        "walletBalanceUsage": 125000,
        "settlementDelays": 0
    },
    "platformDependency": {
        "topProductGmvPercentage": 28.5,
        "topCustomerPercentage": 12.3
    },
    "historicalCredit": {
        "previousAdvances": 2,
        "repaymentRate": 100,
        "daysPastDue": 0,
        "hasDefaults": false,
        "earlyRepayments": 1
    },
    "behavioralRisk": {
        "accountSuspensions": 0,
        "policyViolationsSeverity": null,
        "hasFraudFlags": false,
        "hasSuddenGmvSpikes": false,
        "hasLinkedAccounts": false
    },
    "marketplaceId": "your_marketplace_id",
    "dataTimestamp": "2026-01-29T08:00:00.000Z",
    "correlationId": "corr_abc123"
}