Accepting Business Terms

Businesses on Cadana accept a set of legal terms and disclosures, such as the Privacy Notice and ACH Authorization. If you onboard businesses through the API, you show these documents to your customer in your own UI and record the business’s acceptance with Cadana. Acceptance of the current terms will be required to use funding features.

Prerequisites

API key from Dashboard

Get your API key from the Cadana Dashboard. Recording acceptance needs a key with write access; READ keys can list terms and check status but can’t accept terms. See Authentication for details.

A business

You need the businessId of the business accepting the terms. With a Platform token, also send that business’s tenant key in X-MultiTenantKey — otherwise the business endpoints return 404. See Multi-Tenant Setup.

1. List the Terms

Fetch the terms the business needs to accept with List Terms. Pass product to get the terms for that product:

[
  {
    "name": "PRIVACY_NOTICE",
    "displayName": "Privacy Notice",
    "version": "2026-05-21",
    "url": "https://assets.cadanapay.com/terms/privacy-notice/2026-05-21.pdf",
    "scopes": ["business"]
  },
  {
    "name": "FUNDS_AVAILABILITY_DISCLOSURE",
    "displayName": "Funds Availability Disclosure",
    "version": "2026-07-29",
    "url": "https://assets.cadanapay.com/terms/funds-availability-disclosure/2026-07-29.pdf",
    "scopes": ["business"]
  },
  {
    "name": "ACH_AUTHORIZATION",
    "displayName": "ACH Authorization",
    "version": "2026-07-29",
    "url": "https://assets.cadanapay.com/terms/ach-authorization/2026-07-29.pdf",
    "scopes": ["business"]
  },
  {
    "name": "STRIPE_TERMS",
    "displayName": "Stripe Terms",
    "version": "2026-07-29",
    "url": "https://docs.stripe.com/treasury/connect/compliance#treasury-terms",
    "scopes": ["business"]
  }
]

Query Parameters

Parameter	Type	Required	Description
`product`	string	No	`general` or `virtual-accounts`. Omit to get the full catalog. An unknown product returns `400`.
`countryCode`	string	No	ISO 3166-1 alpha-2 country code that selects a country-specific set of terms for the `product`. No country-specific sets are configured today. Ignored when `product` is omitted.

Terms by Product

Product	Terms
`general`	`PRIVACY_NOTICE`, `FUNDS_AVAILABILITY_DISCLOSURE`, `ACH_AUTHORIZATION`
`virtual-accounts`	`PRIVACY_NOTICE`, `FUNDS_AVAILABILITY_DISCLOSURE`, `ACH_AUTHORIZATION`, `STRIPE_TERMS`

Always read name and version from List Terms instead of hard-coding them. Versions change when a document is updated, and an acceptance only counts at the current version.

2. Show the Documents

Present each term to your customer using its displayName and url. How you present them is up to you — for example, a checkbox per document or a single consent screen that links to all of them. Record acceptance only after your customer has agreed.

3. Accept Each Term

Call Accept Business Terms once per term, with the business’s ID in the path, the term’s name as type, and its current version:

Field	Type	Required	Description
`type`	string	Yes	The term’s `name` from List Terms
`version`	string	Yes	The term’s current `version` from List Terms

A successful call returns 204 with no body. Accepting a term the business has already accepted at the same version also returns 204 and changes nothing, so retries are safe.

Errors

Status	Cause
`400`	`version` is missing or isn’t the term’s current version
`400`	`type` is missing or isn’t a term in the catalog
`400`	`businessId` in the path isn’t a UUID

Errors use the standard error body. A stale version looks like this:

{
  "code": "invalid_request_body",
  "message": "One or more input values are invalid. Please re-enter valid values",
  "params": {
    "version": "version 2026-01-01 is not the current version 2026-05-21"
  }
}

If you get this error, fetch List Terms again, show your customer the current document, and accept the new version.

4. Check Acceptance

Confirm which terms the business has accepted with List Business Terms. Pass the terms to check in termsType:

[
  { "accepted": true, "type": "PRIVACY_NOTICE", "version": "2026-05-21" },
  { "accepted": true, "type": "FUNDS_AVAILABILITY_DISCLOSURE", "version": "2026-07-29" },
  { "accepted": true, "type": "ACH_AUTHORIZATION", "version": "2026-07-29" },
  { "accepted": false, "type": "STRIPE_TERMS" }
]

You get one entry per requested term, in the order you asked for them. accepted is true only when the business has accepted the term’s current version; version is omitted when accepted is false. Accept any term that comes back false.

Without termsType, the endpoint returns every acceptance record for the business, newest first. Each entry has accepted: true, but entries aren’t deduplicated or checked against the current version, so an acceptance of an older version still appears. Pass termsType whenever you need to know whether the business is up to date.

When Terms Change

When a document is updated, its version in List Terms changes and earlier acceptances no longer count — List Business Terms with termsType returns accepted: false for that term. Repeat steps 1–3 for the changed term: show your customer the new document and accept the new version.

Get Started

Workforce Management

Payroll & Compliance

White-Label UI

Platform Integration

Payments

Wallets

Prerequisites

1. List the Terms

Query Parameters

Terms by Product

2. Show the Documents

3. Accept Each Term

Errors

4. Check Acceptance

When Terms Change

Next Steps

KYB Requirements

Multi-Tenant Setup

​Prerequisites

​1. List the Terms

​Query Parameters

​Terms by Product

​2. Show the Documents

​3. Accept Each Term

​Errors

​4. Check Acceptance

​When Terms Change

​Next Steps

KYB Requirements

Multi-Tenant Setup

Prerequisites

1. List the Terms

Query Parameters

Terms by Product

2. Show the Documents

3. Accept Each Term

Errors

4. Check Acceptance

When Terms Change

Next Steps