{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://developer.visa.com/schemas/visa/merchant.json",
  "title": "Visa Merchant",
  "description": "Schema representing a merchant in the Visa network, used across Merchant Search, Merchant Screening, Merchant Offers, and ATM Locator APIs.",
  "type": "object",
  "required": [
    "merchantName"
  ],
  "properties": {
    "visaMerchantId": {
      "type": "string",
      "description": "Visa-assigned unique identifier for the merchant"
    },
    "visaStoreId": {
      "type": "string",
      "description": "Visa-assigned unique identifier for a specific merchant store location"
    },
    "merchantName": {
      "type": "string",
      "description": "Registered business name of the merchant"
    },
    "merchantCategoryCode": {
      "type": "string",
      "description": "Four-digit Merchant Category Code (MCC) classifying the merchant's business type",
      "pattern": "^\\d{4}$"
    },
    "merchantUrl": {
      "type": "string",
      "format": "uri",
      "description": "Merchant's official website URL"
    },
    "merchantLogoUrl": {
      "type": "string",
      "format": "uri",
      "description": "URL of the merchant's logo image"
    },
    "merchantAddress": {
      "$ref": "#/$defs/MerchantAddress"
    },
    "phoneNumber": {
      "type": "string",
      "description": "Merchant's contact phone number"
    },
    "cardAcceptorId": {
      "type": "string",
      "description": "Card Acceptor Identification Code (CAID) assigned by the acquirer",
      "maxLength": 15
    },
    "acquiringBin": {
      "type": "string",
      "description": "Bank Identification Number of the merchant's acquiring institution"
    },
    "terminalId": {
      "type": "string",
      "description": "Point-of-sale terminal identifier",
      "maxLength": 8
    },
    "acceptsVisa": {
      "type": "boolean",
      "description": "Whether the merchant accepts Visa payment cards"
    },
    "acceptsVisaCommercial": {
      "type": "boolean",
      "description": "Whether the merchant accepts Visa commercial payment products"
    },
    "supportsEnhancedData": {
      "type": "boolean",
      "description": "Whether the merchant provides enhanced transaction data (Level 2/3)"
    },
    "terminationStatus": {
      "type": "string",
      "description": "Current termination status from the MATCH/TMF database",
      "enum": [
        "NONE",
        "TERMINATED",
        "UNDER_REVIEW"
      ]
    },
    "riskIndicators": {
      "$ref": "#/$defs/RiskIndicators"
    },
    "offers": {
      "type": "array",
      "description": "Active merchant offers from VMORC",
      "items": {
        "$ref": "#/$defs/MerchantOffer"
      }
    }
  },
  "$defs": {
    "MerchantAddress": {
      "type": "object",
      "description": "Physical address of the merchant location",
      "properties": {
        "street": {
          "type": "string",
          "description": "Street address"
        },
        "city": {
          "type": "string",
          "description": "City name"
        },
        "state": {
          "type": "string",
          "description": "State or province code"
        },
        "postalCode": {
          "type": "string",
          "description": "Postal or ZIP code"
        },
        "country": {
          "type": "string",
          "description": "ISO 3166-1 alpha-2 country code",
          "pattern": "^[A-Z]{2}$"
        },
        "latitude": {
          "type": "number",
          "format": "double",
          "description": "Latitude coordinate of the merchant location"
        },
        "longitude": {
          "type": "number",
          "format": "double",
          "description": "Longitude coordinate of the merchant location"
        }
      }
    },
    "RiskIndicators": {
      "type": "object",
      "description": "Risk-related indicators for the merchant from screening services",
      "properties": {
        "riskScore": {
          "type": "number",
          "description": "Computed risk score for the merchant",
          "minimum": 0,
          "maximum": 100
        },
        "terminationReasonCode": {
          "type": "string",
          "description": "Reason code if the merchant has been terminated"
        },
        "addedToMatchDate": {
          "type": "string",
          "format": "date",
          "description": "Date the merchant was added to the MATCH/TMF database"
        }
      }
    },
    "MerchantOffer": {
      "type": "object",
      "description": "A promotional offer associated with the merchant",
      "properties": {
        "offerId": {
          "type": "integer",
          "description": "Unique identifier for the offer"
        },
        "offerTitle": {
          "type": "string",
          "description": "Title of the offer"
        },
        "offerDescription": {
          "type": "string",
          "description": "Description of the offer terms"
        },
        "validityStartDate": {
          "type": "string",
          "format": "date",
          "description": "Start date of the offer validity period"
        },
        "validityEndDate": {
          "type": "string",
          "format": "date",
          "description": "End date of the offer validity period"
        },
        "redemptionUrl": {
          "type": "string",
          "format": "uri",
          "description": "URL for redeeming the offer"
        }
      }
    }
  }
}