Abstract: The disclosed embodiments include methods and systems for providing a real-time application programming interface for merchant enrollment and underwriting. In one embodiment, a process is disclosed that may include receiving, from a first computing device, a request for applying for the merchant financial account for a merchant applicant. The request may also include verifying the information associated with the merchant applicant and providing, via the first computing device, at least one question with a plurality of answer choices to the merchant applicant if the merchant applicant information associated with the applicant is verified. In one aspect, the method may include receiving an answer choice to the at least one question from the merchant applicant via the first computing device and validating the received answer choice. If the answer choice is validated, the method may include activating the first computing device and authenticating the merchant applicant for the merchant financial account.