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

# Principals Overview

> Manage beneficial owners on a merchant record

Principals are the individuals who own or control the merchant business. Each principal record stores identity and contact information, with sensitive fields encrypted at rest.

| Endpoint                                                                      | Description                                        |
| ----------------------------------------------------------------------------- | -------------------------------------------------- |
| [List principals](/api-reference/merchants/list-merchant-principals)          | Retrieve all principals associated with a merchant |
| [Add principal](/api-reference/merchants/add-merchant-principal)              | Add a beneficial owner to a merchant               |
| [Get principal](/api-reference/merchants/get-merchant-principal)              | Retrieve a single principal by ID                  |
| [Update principal](/api-reference/merchants/update-merchant-principal)        | Update a merchant principal's information          |
| [Decrypt principal data](/api-reference/merchants/decrypt-merchant-principal) | Decrypt a sensitive field on a principal           |