Merchant Requirements
                            
                        
                        
                            
            
                
                    
                        
                        
- Merchants are required to enter into a “agreement” with an authorized acquiring institution. Once there is a merchant agreement in place, a merchant profile can be created.
 - With Enterprise calls to the Gateway, the presence of a certificate ID is required in the body of the request. While the inclusion of the AuthenticationToken and AuthenticationKey in the headers is optional.
 - Test Mode should be used during integration, testing, and validation.
 - Test application ID must be used with Mode Test
 - Test cards should be used during integration testing and validation