PaygateDeveloper documentation
404merchants.not_foundmerchants

No merchant profile for this tenant

Returned by the implementation; no specification rule declares it yet.

The tenant exists but has no merchant profile yet — the record is created during onboarding, not at signup.

Why the API refuses

no merchant profile for this tenant

What to do

Create the profile before reading it. A newly provisioned tenant answering 404 here is the expected state, so treat it as "not onboarded yet" in your UI rather than as an error.