Merchant Management

The Merchant Management section of the Administration Portal serves as the core area for Acquirers to onboard, register, and manage merchants and their shops. It facilitates the complete lifecycle management of merchants, from initial registration and verification through agreement setup and ongoing configuration of services and settings. The onboarding process is streamlined through a structured workflow that guides Acquirer administrators step-by-step in capturing and verifying all essential merchant data.

In addition to merchant-level agreements, the portal enables Acquirers to configure Shop Agreements, where individual shops under the merchant are defined. Here, administrators can specify Shop Details, including the type of business or goods/services sold, and configure Payment Methods available to each shop, such as card payments, and digital wallets like Apple Pay or Google Pay. Administrators can register Shop Bank Account details for settlement purposes distinct from the main merchant account. In the Technical Information area, Acquirers configure API endpoints, URLs for 3D Secure authentication, and other technical parameters required for seamless integration.

The Fees section outlines the commercial terms applicable to the merchant or shop, including onboarding fees, transaction fees, and service charges. Lastly, the Limits configuration allows administrators to define operational boundaries, such as transaction caps, frequency restrictions, and volume limits, ensuring risk management and regulatory compliance.

In addition to managing agreements and configurations, the Merchant Management section provides real-time visibility into the merchant’s business performance (Merchant Dashboard). Acquirers can access consolidated dashboards that present key operational and financial metrics, including transaction volumes, success and failure rates, refunds, and suspicious transaction counts. Administrators can also review shop balances, settlement schedules, and incoming payment flows by method—such as Apple Pay, Google Pay, and card payments—enabling comprehensive monitoring of merchant and shop-level activity.

All data entered during the merchant onboarding process undergoes validation and, if applicable, verification steps such as KYC/AML checks. The Administration Portal supports the four-eyes principle for merchant approval workflows, requiring at least two independent reviewers to validate and approve the registration and agreement details before a merchant can be fully onboarded and activated.

This structured and configurable approach ensures that merchants are onboarded efficiently while maintaining full compliance with the Acquirer's policies and regulatory obligations. It also allows Acquirers to tailor services and risk controls at both the merchant and shop levels, providing flexibility and scalability in managing their merchant base.