## TL;DR

Collect the merchant's information and consent, create an Identity for the merchant, add associated owners with 25 percent or more ownership, add a bank account, then verify the merchant. Skipping or reordering steps is the usual cause of stuck onboarding: the identity must exist before owners and bank accounts attach to it.

## Fix

1. Collect the merchant's information and consent, create an Identity for the merchant, add associated owners with 25 percent or more ownership, add a bank account, then verify the merchant.
   Expected: You see the expected output instead of the problem.

## When to use

- You are setting up or using this Finix merchant onboarding feature.
- The symptom matches: create the identity before anything else.

## When NOT to use

- Unrelated Finix merchant onboarding issues (different feature, different failure).
- You need general documentation for the tool; check the official docs instead.

## Compatibility

Reported against Finix merchant onboarding. Source: https://github.com/mettakite/portfolio.

## Variant phrasings

### create the identity before anything else

## Why it happens

Finix merchant onboarding is an ordered flow: identity first, then owners, bank account, verification.

## Edge cases

- If your error message differs even slightly, this is probably a different issue; search the exact text.
- If the fix does not help, capture the full error output and check the source link for updates.

## Source

https://github.com/mettakite/portfolio