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What are the advantages/disadvantages of additional Merchant Codes or Divisions?

When setting up your Merchant Account it is important to note the advantages and disadvantages of having multiple divisions or additional Merchant Codes. By default, each Merchant Code has one Division. If there are more Divisions within a Merchant Code, all users (with the right user roles) within that Merchant Code can view all details of all Divisions. It is possible, in such setups, to use the same payment provider credentials for more than one Division.

 

If it is not desired that all the users from the different areas of your business (e.g., different countries or sectors) to see all the transactions from other areas, you may consider using more Merchant Codes. In this case only users with access to a specific Merchant Code can see the transaction details of the Divisions within that Merchant Code. The diagrams below demonstrate three different potential Merchant Account set ups to help explain the advantages and disadvantages of separating your Merchant Account with more Merchant Codes and Divisions.

 

Merchant Codes are name with capital letters and numbers while Divisions are names with lower case letters and numbers. There can be no spaces in the names of codes or divisions.

 

Example 1:

MerchantAccounts_Divisions_1.jpeg

 

 

There in an online shop (Merchant Account) that operates in three different countries, France, Germany and Austria. In this example, there is one Merchant Code with three divisions, one for each country. All three users, depending on their user roles, can view from their Merchant Portal the transactions of each of the divisions. Each Merchant Code must have one division as a default and in this case, we have chosen France as the default division. With the Merchant Account set up in this way, all three divisions can use the same PSP contract.

 

Example 2:

MerchantAccounts_Divisions_2.jpeg

Again, this online shop (Merchant Account) operates in three different countries, France, Germany and Austria. In this example, there are two Merchant Codes (divided by language group) with three divisions, again one for each country. Here the main user can see the details of all divisions, however, userA and userB can only see the division assigned to their corresponding Merchant Codes (MERCHANT_FR and MERCHANT_DE). As each Merchant Code must have a default division, in this example fr and de are default divisions. With the Merchant Account set up this way, you will need a PSP contract for each Merchant Code.

 

Example 3:

MerchantAccounts_Divisions_3.jpeg

 

The same online shop (Merchant Account) operates in three different countries, France, Germany and Austria. However, there are three Merchant Codes for each country each with a default division. Here the main user can see the details of all divisions but userA and userB, assigned to the different Merchant Codes (MERCHANT_FR and MERCHANT_AT), can only see the default divisions linked to their Merchant Code. With the Merchant Account set up in this way, you will need more than one PSP contract to service each Merchant Code.

 

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