merchant Maintenance

A merchant account is a type of bank account that allows businesses to accept payments in multiple ways, typically using debit or credit cards. A merchant account is established under an agreement between an acceptor and a merchant acquiring bank for the settlement of payment.

Merchant Onboarding facilitates Bank Administrator to set up and maintain merchants using channel banking platform. This is to enable the customers to initiate merchant based payments using channel banking facility.

Pre-requisites

• Transaction access is provided to Administrator
• Approval rule set up for Administrator to perform the actions
• Checksum type and checksum algorithm is maintained
• Enterprise roles are maintained in application
• Merchant’s account is maintained in host

Workflow

The following features are available for merchant maintenance:

• Create Merchant
• View Merchant Details
• Edit Merchant details
• Delete Merchant

How to reach here:

Admin Dashboard > Merchant On boarding > Merchant Maintenance

Merchant Maintenance - Search

System Administrator logs into the system and navigates to the Merchant Onboarding. This screen allows the administrator to search and view existing merchants based on the search parameters. User can enter the merchant Id for which the details are to be viewed.

To search merchant:

• Navigate to the Merchant Maintenance screen.

Field Description

Field Name	Description
Merchant ID	To search merchant with the unique Id assigned to a specific merchant by the Bank.
Merchant Description	Description of the merchant.

• In the Merchant ID field, enter the unique id of the merchant.
  OR
  In the Merchant Description field, enter the description of the merchant.
• Click Search. The Merchant Maintenance screen with search results appears based on the search parameters.
  OR
  Click Clear if you want to reset the search parameters.
  OR
  Click Cancel if you want to cancel the transaction.

Field Description

Field Name	Description
Merchant ID	The unique key assigned to a specific merchant by the bank.
Merchant Description	The descriptions of the merchant corresponding to the merchant ID.
Search Results
Merchant ID	The unique key assigned to a specific merchant by the bank.
Merchant Description	The description of the merchant corresponding to the merchant ID.

• To view the details of a specific merchant, click the record. The Merchant Maintenance - View screen appears.

Merchant Maintenance - View

Administrator is directed to Merchant details screen after providing valid merchant ID.

Field Description

Field Name	Description
View
Merchant ID	The unique key assigned to a specific merchant by the bank.
Merchant Description	The description of the merchant corresponding to the merchant ID.
Accounts
Accounts - Credit Account Details
Account Type	Type of account e.g. CASA account, associated with the merchant.
Account Number	The merchant’s credit account number.
Branch	The branch in which the account is maintained.
Service Charge Account Details
Define another Account for Service Charge	View if another account is defined / maintained for service charge.
Account Type	Service Charge account type associated with the merchant e.g. CASA account. This field appears if Define Account number for service charge check box is selected.
Account Number	The merchant’s credit account number. This field appears if Define Account number for service charge check box is selected.
Branch	The branch corresponding to the credit account number. This field appears if Define Account number for service charge check box is selected.
Default customers debit account number as request parameter	View if customers debit account number is defaulted as request parameter (checked box).
Successful Transactions
Static URL	The URL for sending the static response of the transaction for a successful transaction.
Dynamic URL	The URL for sending the dynamic response of the transaction for a successful transaction.
Failed Transactions
Static URL	The URL for sending the static response of the transaction for a failed transaction.
Dynamic URL	The URL for sending the dynamic response of the transaction for a failed transaction.
Checksum Details
Checksum Type	The checksum type.
Checksum Algorithm	The checksum algorithm.
Security Key	Input the security key. This field appears if a value is selected in checksum algorithm.

• Click Edit to edit merchant details. The Merchant Maintenance - Edit screen appears.
  OR
  Click Back to navigate to the previous screen.
  OR
  Click Cancel to cancel the transaction.
  OR
  Click Delete to delete the merchant

Merchant Maintenance - Create

System administrator can create new merchant so that Bank’s customer can make the payment to the merchant using channel banking.

To create a merchant:

1. In the Merchant Maintenance screen, clickCreate. The Merchant Maintenance - Create screen appears.

Field Description

Field Name	Description
Create
Merchant ID	Specify unique Id by which the Merchant will be identified.
Merchant Description	Specify description of the merchant.
Accounts
Accounts - Credit Account Details
Account Type	Specify type of account i.e. GL or CASA account, associated with the merchant.
Account ID/ Number	Specify merchant’s credit account number.
Service Charge Account Details
Define another Account for Service Charge	Indicates whether, another account for service charge is to be defined / maintained.
Account Type	Service charge account type associated with the merchant e.g. CASA account. This field appears if you select Define Account number for service charge check box.
Account Number	The merchant’s service charge account number. This field appears if you select Define Account number for service charge check box.
Default customers debit account number as request parameter	Select this box to enable defaulting of customers debit account number from request parameter (checked box).
Successful Transactions
Static URL	Specify the URL for sending the static response of the transaction for a successful transaction.
Dynamic URL	Specify the URL for sending the dynamic response of the transaction for a successful transaction.
Failure Transactions
Static URL	Specify the URL for sending the static response of the transaction for a failed transaction.
Dynamic URL	Specify the URL for sending the dynamic response of the transaction for a failed transaction.
Checksum Details
Checksum Type	Specify the checksum type.
Checksum Algorithm	Specify the checksum algorithm.
Security Key	Input the security key. This field appears if a value is selected in checksum algorithm.

• In the Merchant ID field, enter the id of the merchant.
• In the Merchant Description field, enter the description of the merchant.
• From the Account Type list, select the appropriate account.
• In the Account Number field, enter the account number of the merchant.
• In the Successful Transactions section, enter the valid URL in the Static URLand Dynamic URL fields.
• In the Failure Transactions section, enter the valid URL in the Static URL and Dynamic URL fields.
• Click Save to save the merchant details.
  OR
  Click Cancel to cancel current transaction.
  OR
  Click Back to navigate to the previous screen.
• The Review screen appears. Verify the details, and click Confirm to confirm the details.
  OR
  Click Edit to make the changes if any.
  User is directed to Merchant Maintenance - Create screen with values in editable form.
  OR
  Click Cancel to cancel the operation and navigate back to ‘Dashboard’.
• The success message appears along with the status of the transaction.
  Click Done to complete the transaction.

Merchant Maintenance - Edit

System administrator can edit the details of any merchant maintained in the application. Administrator is directed to Edit Merchant details to edit the details.

To edit a merchant details:

• In the Merchant ID field, enter the unique id of the merchant.
  OR
  In the Merchant Description field, enter the description of the merchant.
• Click Search. The Merchant Maintenance screen with search results appears based on the search parameters.
  OR
  Click Clear if you want to reset the search parameters.
  OR
  Click Cancel if you want to cancel the transaction.

3. To edit the details of a merchant, select and click the record. The Merchant Maintenance - View screen appears.
4. Click Edit . The Merchant Maintenance - Edit screen appears.
   

Field Description

Field Name	Description
Edit
Merchant ID	The unique key assigned to a specific merchant by the bank. This field cannot be edited.
Merchant Description	The description of the merchant.
Accounts
Accounts - Credit Account Details
Account Type	Type of credit account e.g. CASA account, associated with the merchant.
Account Number	The merchant’s credit account number.
Service Charge Account Details
Define another Account for Service Charge	View if another account is defined / maintained for service charge.
Account Type	Service Charge account type associated with the merchant e.g. CASA account. This field appears if Define Account number for service charge check box is selected.
Account Number	The merchant’s credit account number. This field appears if Define Account number for service charge check box is selected.
Default customers debit account number as request parameter	View if customers debit account number is defaulted as request parameter (checked box).
Successful Transactions
Static URL	The URL for sending the static response of the transaction for a successful transaction.
Dynamic URL	The URL for sending the dynamic response of the transaction for a successful transaction.
Failed Transactions
Static URL	The URL for sending the static response of the transaction for a failed transaction.
Dynamic URL	The URL for sending the dynamic response of the transaction for a failed transaction.
Checksum Details
Checksum Type	The checksum type.
Checksum Algorithm	The checksum algorithm.
Security Key	Input the security key. This field appears if a value is selected in checksum algorithm.

Note: Note: Except for the Merchant ID all the fields are editable.

5. Update the required fields; Click Save to save the changes.
   OR
   Click Cancel if you want to cancel the transaction.
6. The Review screen appears, verify the details and click Confirm to confirm the details.
   OR
   Click Edit to make the changes if any.
   User is directed to Merchant Maintenance – Create screen with values in editable form.
   OR
   Click Cancel to cancel the operation and navigate back to ‘Dashboard’.
7. The success message appears along with the status of the transaction, click Done to complete the transaction.

Merchant Maintenance - Delete

The System administrator can delete the details of any merchant maintained in the application.

To delete a merchant details:

• In the Merchant ID field, enter the unique id of the merchant.
  OR
  In the Merchant Description field, enter the description of the merchant.
• Click Search. The Merchant Maintenance screen with search results appears based on the search parameters.
  OR
  Click Clear if you want to reset the search parameters.
  OR
  Click Cancel if you want to cancel the transaction.

3. To delete the details of a merchant, select and click the record. The Merchant Maintenance - View screen appears.
4. Click Delete . The application will prompt the administrator with a deletion message with an option of Yes / No.
   

• Click Yes to delete merchant. It will navigate to confirmation page with a success message and the status.
  OR
  Click No if you do not wish to delete ATM / Branch.
• Click OK to complete the transaction.

FAQs

Who can create or edit merchants?

System administrator can create and edit the merchants.

Can I specify the account number which is outside this Bank?

No, Merchant account number/GL should be of the same bank.

When will the newly added merchants be available to customers?

Newly added merchants will be made available to the customers with an immediate effect.

What is significance of defining separate account number for service charge account?

Service charge applicable if any for an online transaction initiated by customers will be accounted separately in the merchant’s account number maintained for service charge credits.

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