API for enrolling businesses that do not appear in national registries, e.g. sole traders and government departments.

To create trade accounts or orders for such businesses, a proposal must first be created and then submitted via this API for Two to enrol the business.

A newly created proposal will have a status of DRAFT. In this status it is possible to upload supporting evidence. Once all evidence has been uploaded, the proposal must be submitted for review to begin. Posting to the submission endpoint causes the proposal status to progress to SUBMITTED.

Once a proposal reaches SUBMITTED status, an initial automated evaluation is undertaken. This may result in immediate approval or rejection. If, however, manual review is to be undertaken, the proposal's status will update to IN_REVIEW. Once all required review stages are complete (or if the initial automated evaluation resulted in immediate approval or rejection), the proposal status will update to ACCEPTED or DECLINED. Alternatively the proposal status will be updated to WITHDRAWN if a DELETE operation is performed on it while its status is IN_REVIEW or SUBMITTED.

During review, Two may reach out to the business described within the proposal (via the email address and phone number provided within the proposal), or to the merchant who raised the proposal, for more information.

Once a proposal has been accepted, Two will generate a synthetic organization number for the business in question and update the proposal record accordingly. This synthetic organization number may then be used by the merchant on other Two APIs in exactly the same way as for an actual registered business to create trade accounts, place orders, etc on behalf of the business.

Completion of review stages and subsequent creation of an organization number will be communicated back to the initiating merchant via webhooks.

Proposal creation and submission may be undertaken either by calling this API with the merchant's API key, or else via the delegated authority route which allows browser-side scripts to invoke this API on the merchant's behalf. To use this option, first POST to the delegation endpoint and pass the resulting header token back to the browser; then the browser may POST to /proposal with that token in a request header. A replacement token will be returned from the proposal creation operation with authority to track, withdraw and submit the newly created proposal.

Note that proposals may include personal information about people associated with the business. Once a proposal has been either accepted or declined, that personal information is no longer visible through this API.

Also note that the docs below include reference to government departments to illustrate how this API will handle different types of business, and also that the docs below include a country code for enrollment of businesses of any nationality; however implementation is for the time being limited to UK and US sole traders only.