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+# Applying Default Configuration After Onboarding
+
+The `OnboardingProfile` has a property named `setup_done`, which indicated whether the default
+configuration was set up.
+
+### `OnboardingProfile::is_setup_done()`
+
+This flag indicated, whether the default plugin configuration was applied or not.
+It's set to true after the merchant's authentication attempt was successful, and settings were
+adjusted.
+
+The only way to reset this flag, is to enable the "**Start Over**" toggle and disconnecting the
+merchant:
+https://example.com/wp-admin/admin.php?page=wc-settings&tab=checkout&section=ppcp-gateway&panel=settings#disconnect-merchant
+
+### `class SettingsDataManager`
+
+The `SettingsDataManager` service is responsible for applying all defaults options at the end of the
+onboarding process.
+
+### `SettingsDataManager::set_defaults_for_new_merchant()`
+
+This method expects a DTO argument (`ConfigurationFlagsDTO`) that provides relevant details about
+the merchant and onboarding choices.
+
+It verifies, if default settings were already applied (by checking the
+`OnboardingProfile::is_setup_done()` state). If not done yet, the DTO object is inspected to
+initialize the plugin's configuration, before marking the `setup_done` flag as completed.
+
+## Default Settings Matrix
+
+### Payment Methods
+
+
+
+### Settings
+
+| Feature                     | Country | Seller-Type | Subscriptions | Cards | 
+|-----------------------------|---------|-------------|---------------|-------|
+| Pay Now Experience          | US      | _any_       | _any_         | _any_ |
+| Save PayPal and Venmo       | US      | Business    | ✅             | _any_ |
+| Save Credit and Debit Cards | US      | Business    | ✅             | ✅     |
+
+### Styling
+
+All US merchants use the same settings, regardless of any onboarding choices.
+
+| Button Location  | Enabled | Displayed Payment Methods                       |
+|------------------|---------|-------------------------------------------------|
+| Cart             | ✅       | PayPal, Venmo, Pay Later, Google Pay, Apple Pay |
+| Classic Checkout | ✅       | PayPal, Venmo, Pay Later, Google Pay, Apple Pay |
+| Express Checkout | ✅       | PayPal, Venmo, Pay Later, Google Pay, Apple Pay |
+| Mini Cart        | ✅       | PayPal, Venmo, Pay Later, Google Pay, Apple Pay |
+| Product Page     | ✅       | PayPal, Venmo, Pay Later                        |