# Set up your business (/merchants/set-up-your-business)

After you create your account, the dashboard opens the setup page, titled "Get your account ready".
It has four steps: **Who gets paid**, **Two-factor sign-in**, **Receiving wallet** and **Submit for
review**. You can submit only when the first three are done, and nothing can be collected until
Fianto approves your account.

## Before you start [#before-you-start]

* You are signed in to merchant.fianto.xyz. See [Create your account](/merchants/create-account).
* An authenticator app on your phone.
* A Solana wallet in this browser that can sign messages, such as Phantom, Solflare or Backpack. Use
  a wallet you will keep for the long term.
* For a registered company: its legal name, registration number and everyone who owns 25 % or more.

## Steps [#steps]

**Step 1.**

### Choose who gets paid [#choose-who-gets-paid]

Under **Who gets paid**, pick one card:

| Card                       | Meaning                                   |
| -------------------------- | ----------------------------------------- |
| A registered company       | It has a registration number              |
| A business, not registered | You trade, but never registered a company |
| Just me                    | Payments go to you, not a business        |

**Step 2.**

### Fill in the profile and save [#fill-in-the-profile-and-save]

Every type asks for:

* the name on your checkout and invoices, up to 100 characters. When Fianto approves your account,
  the name you submitted becomes the name payers see on checkout;
* your full name, up to 200 characters;
* your country;
* **What you sell**, one of 17 fixed categories;
* **Website, if you have one** (optional);
* the declaration "This is true and complete. I will tell Fianto within 10 business days if it
  changes."

**A registered company** also asks for **Legal name of the company**, **Registration number** and
everyone who owns 25 % or more, directly or through other companies. Click **Add an owner** for each
one (name and country of residence, up to 10), or tick **Nobody owns 25% or more**.

**A business, not registered** and **Just me** also ask for your **Date of birth** (your age must be
between 18 and 120) and your **Nationality**.

Click **Save**. The fold "What this is for, who sees it, how long we keep it" explains the data: the
Fianto team reviews it, your business name also shows on your checkout and invoices, and the answers
are kept for 6 years after you stop using Fianto (or longer where a law requires it). Fianto does not
ask your customers for ID.

**Step 3.**

### Turn on two-factor sign-in [#turn-on-two-factor-sign-in]

Under **Two-factor sign-in**, enter your **Current password** and click **Set up two-factor
authentication**. Scan the QR code with your authenticator app (or type the key shown under it),
enter the 6-digit code under **Code from your app** and click **Turn on two-factor authentication**
within 10 minutes.

Fianto then shows 10 recovery codes, once. Each works once and lets you sign in if you lose your
phone. Copy them somewhere safe, then click **I have saved my recovery codes**.

**Step 4.**

### Prove your receiving wallet [#prove-your-receiving-wallet]

Under **Receiving wallet**, choose your wallet from the list. It asks you to sign a message that
starts "Fianto wants you to confirm this wallet receives payments for your account." This is a
message, not a transaction: signing costs nothing, moves nothing and gives no permission. Sign it
within 5 minutes; each request to sign works once.

Once it is accepted, the step shows your address as **Proven by signature**. To use a different
wallet before you submit, choose it and sign again: the newest proven wallet is the one submitted.

**Step 5.**

### Submit for review [#submit-for-review]

Open **Submit for review**. It lists your details and, if anything is missing, starts with "Still
needed before you can submit:". When everything is ready, click **Submit for review**.

> **Keep this wallet safe:**
>
> Every subscription is set up on chain to pay this exact wallet, and that can never be changed later.
> If you lose the wallet, the subscriptions started while it was yours keep paying it until they are
> cancelled.

> **Your wallet needs a USDC token account before your first sale:**
>
> Payments arrive in USDC, so the receiving wallet must already have a USDC token account. Without one,
> creating a checkout fails with `merchant_token_account_missing`. To create it, send the wallet any
> amount of USDC once.

Submitting freezes a copy of your profile, your newest proven wallet and your two-factor state, and
your details cannot be changed while the account is in review. A submitted application cannot be
withdrawn. See [Review and approval](/merchants/review-and-approval) for what happens next.

## Check it worked [#check-it-worked]

> The setup page now shows "In review" and your details, read-only. On **Account and security**, the
> **Account status** reads "In review".

## Troubleshooting [#troubleshooting]

| You see | Why | Fix |
|---|---|---|
| "Finish all three steps before you submit" | Who gets paid, two-factor sign-in or the receiving wallet is not done. | Open the step named under "Still needed before you can submit:" and finish it. |
| "Setup timed out after 10 minutes." | The QR code was not confirmed within 10 minutes. | Start again to get a new QR code. |
| "No Solana wallet was found in this browser." | No wallet extension is installed in this browser. | Install one (Phantom, Solflare or Backpack), then reload the page. |
| "This wallet cannot sign messages." | The wallet you picked does not support signing messages. | Choose another wallet. |
| "That signature did not match, or the request to sign expired." | The 5-minute request ran out, or the signature was not for this request. | Choose your wallet again. |
| "That wallet already receives payments for another Fianto account." | One wallet cannot serve two merchants. This is checked after you sign, and again when you submit. | Use a different wallet. |
| "Your details cannot be changed right now" | The account is in review or already decided. | Reload the page to see its status. |

## See also [#see-also]

- [Review and approval](/merchants/review-and-approval): Statuses, notes and what each one lets you do.

- [Security](/merchants/security): Recovery codes, a new phone, lockouts and changing your wallet.

- [Create your account](/merchants/create-account): Sign-up and the emailed code.