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Step 1 of 8

What do you want to build?

We’ll tailor the workspace, checklist, and integration guidance around your first use case.

Step 2 of 8

Tell us about the business.

This creates the merchant workspace. Test mode can be used immediately; live payouts require verification.

Step 3 of 8

Choose your first markets.

Select where customers will pay and which local methods should appear in the payer experience.

Step 4 of 8

Verify the business.

Verification unlocks live settlement. Circuit’s backend creates the business profile and starts a secure Persona verification session.

✓

Business verification checklist

Have these details ready before opening the secure verification flow.

✓Registration or incorporation information✓Tax identification details, where applicable✓Business address and operating information✓Ownership and authorised representative details✓Identity document for the person completing verification

Prototype: this button simulates starting the Persona flow.

Step 5 of 8

Connect the payout account.

After KYB is approved, connect the bank account that will receive eligible USD payouts.

BA

USD settlement account

Connect securely through Plaid. Circuit stores the linked account reference, not your bank credentials.

✓Account holder name should match the verified business✓Operating or settlement account recommended✓Account status appears in the merchant console

Prototype: no external bank connection is initiated.

Step 6 of 8

Choose an integration path.

The underlying PaymentIntent is the same. Choose how much of the payer experience you want Circuit to manage.

Step 7 of 8

Your test workspace is ready.

Use a server secret key to create PaymentIntents. Use the publishable key and a payment-scoped client secret in the payer experience.

Publishable keypk_test_circuit_7f9a••••••••21
Secret keysk_test_circuit_••••••••••••9d4a
Merchant IDmch_demo_8f2a71c
→

Make the first request

Create a test PaymentIntent and use a unique idempotency key.

POST /v1/payment-intents
Authorization: Bearer sk_test_...
Idempotency-Key: <unique-value>

{ "amountUSD": 25.00 }
Complete
✓

Welcome to Circuit.

Your prototype workspace is configured for test payments. Complete verification and payout setup before requesting live activation.

✓Merchant workspace created✓Markets selected✓Integration path chosen✓Test credentials issued○KYB approval required for live○Payout account required for live