> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useagentbank.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Portal login

> Exchange provisioned portal credentials for a merchant portal JWT.

```text theme={null}
POST /v1/merchant/auth/login
```

**Authentication:** none. This endpoint is rate limited; use only from a
trusted merchant backend or portal server, never an untrusted client.

## Request body

```json theme={null}
{
  "username": "example_merchant",
  "password": "replace-with-provisioned-secret"
}
```

`username` is 3-64 characters. `password` is 12-256 characters.

## Response

```json theme={null}
{
  "access_token": "eyJ...",
  "token_type": "Bearer",
  "expires_at": "2026-08-19T09:00:00.000Z",
  "merchant_partner_id": "mp_..."
}
```

Send `Authorization: Bearer <access_token>` to all other portal endpoints.
Portal credentials and JWTs never authorize KYC or payment creation; use the
signed Partner API for those operations.