# ResellerProcessingDefaults

A model the API reference uses in a request or a response. The operation pages link every field typed as this model here.

Portfolio-wide processing defaults embedded on the Reseller aggregate root. Each member is a
nullable fallback for the matching merchant-level setting: the merchant's own value wins wherever
it is set, in both directions, and the reseller default applies only where the merchant expresses
no opinion.

## Fields
- `enableCreateIdempotency` (boolean): Default for `Merchant.Processing.EnableCreateIdempotency`, applied to every merchant under  this reseller that has left its own value unset. `null` means the reseller sets  no default and an unset merchant runs with create idempotency off, as before. (nullable)
- `cardAcceptancePolicy` ([CardAcceptancePolicy](https://devportal.demo.winkpg.io/docs/api/models/CardAcceptancePolicy.md)): Default for `Merchant.Processing.CardAcceptancePolicy`, applied to every merchant under  this reseller that has no policy of its own. `null` means the reseller sets no  default and a merchant without a policy accepts every card, as before. Conditional: When CardAcceptancePolicy is not null.
  Fields:
  - `acceptCredit` (boolean): Whether the merchant accepts credit cards. `null` (the default) accepts. (nullable)
  - `acceptDebit` (boolean): Whether the merchant accepts debit cards. `null` (the default) accepts. (nullable)
  - `acceptPrepaid` (boolean): Whether the merchant accepts prepaid cards. `null` (the default) accepts. (nullable)
  - `acceptConsumer` (boolean): Whether the merchant accepts consumer (personally issued) cards. `null`  (the default) accepts. (nullable)
  - `acceptCommercial` (boolean): Whether the merchant accepts commercial cards. `null` (the default) accepts. (nullable)
  - `acceptGsa` (boolean): Whether the merchant accepts GSA (US government purchase) cards. `null`  (the default) accepts. (nullable)
  - `issuerCountryMode` ([IssuerCountryMode](https://devportal.demo.winkpg.io/docs/api/models/IssuerCountryMode.md)): How the issuer country is judged. `null` (the default) means  `Any`. Conditional: When IssuerCountryMode is not null. (nullable)
    Values:
    - `Any`: Issuer country is not considered. The default.
    - `DomesticOnly`: Only cards issued in the merchant's own country are accepted.
    - `AllowList`: Only cards issued in one of the listed countries are accepted.
    - `DenyList`: Cards issued in one of the listed countries are refused; all others are accepted.
  - `issuerCountries` (array<string>): The ISO 3166-1 alpha-2 issuer country codes the mode operates on. Required and non-empty  for `AllowList` and  `DenyList`, and empty otherwise. Conditional: When IssuerCountries is not null. Conditional: When IssuerCountries is not null and IssuerCountries.Count > 1. Conditional: When RequiresCountries(IssuerCountryMode) is true. Conditional: When RequiresCountries(IssuerCountryMode) is false. (nullable)
  - `unknownBinPosture` ([UnknownBinPosture](https://devportal.demo.winkpg.io/docs/api/models/UnknownBinPosture.md)): What to do when the PAN yields no BIN record at all, or the BIN provider is not loaded.  `null` (the default) means  `Accept`, which is what the  platform has always done. Conditional: When UnknownBinPosture is not null. (nullable)
    Values:
    - `Accept`: Take the card anyway. The default, and what the platform did before this policy existed: a BIN miss is a gap in reference data, not a signal about the card.
    - `Decline`: Refuse the card. For a merchant whose restrictions matter more than the sale, so a card the platform cannot classify is not silently let through.

## See also

- [All documentation](https://devportal.demo.winkpg.io/llms.txt): the machine-readable index of every public page on this site.