merchant Management

Merchant Onboarding facilitates the system administrator to set up and maintain merchants using the channel banking platform. This, in turn, enables the users to initiate merchant based payments using the channel banking facility. This is also helpful in maintaining merchant which will act as a payment aggregator for sourcing funds from external sources to the wallet account.

Using this option, the system administrator can create and maintain merchant details in the application. Administrators can map the CASACurrent Account or Savings Accounts are operative accounts through which account holders perform day to day operations such as deposits and withdrawal of money. account of the merchant, to enable the merchant payments. The system administrator can also select the required remittance type to be mapped for the merchant payments while creating a merchant.

The remittance type can be

• Outward
• Inward

Pre-requisites

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

Workflow

Features Supported In Application

The following features are available for merchant maintenance:

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

How to reach here:

System AdministratorAdministrator is a set of individuals that administer the applicant/Affiliate entity. For example, Accountants, Authorized Signatories for organizations, Power of Attorney for individuals. Dashboard > Onboarding > Merchant Onboarding > Merchant Management
OR
System/ Bank Administrator Dashboard > Toggle Menu > Onboarding > Merchant Management

Merchant Management - Search

From this screen, the administrator is able to search existing merchant maintenances based on the search parameters provided. On being displayed the search results based on the search criteria defined, the administrator is able to view the details of any merchant maintenance by selecting a record.

To search merchant:

• Navigate to the Merchant Management screen.

• 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 Management 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.
  OR
  Click Create to create another merchant maintenance.

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

Merchant Management – Outward Remittance

Outward remittance involves the transfer of money from the merchant’s accounts to other accounts through various channels. The Merchant Management screen allows the system administrator to view, create, edit and delete the merchant details.

Merchant Management – Outward Remittance - View

On selecting a specific merchant record by clicking on the link provided on the merchant description, the screen displaying the details of the selected merchant is displayed.

• Click the QR Code link to view the QR Code of the merchant. A pop-up screen with QR code appears.
  You can also download the QR Code so as to send it to the merchant through offline mode.
• Click Edit to edit merchant details. The user is directed to the Merchant Management - Edit screen.
  OR
  Click Back to navigate to the previous screen.
  OR
  Click Cancel to cancel the transaction.
  OR
  Click Delete to delete the merchant maintenance.

QR code

The QR code is displayed if the system administrator clicks on the QR code link on the Merchant Maintenance details screen. The administrator is provided with the facility to download the QR code so as to send it to the merchant through any offline mode.

3. Click to download the QR Code image of the merchant.

Merchant Management – Outward Remittance - Create Merchant

The system administrator can create a new merchant so that the bank’s customers can make payments to the merchant using channel banking or by scanning the QR code of the Merchant without entering merchant account details. The QR code is generated once the merchant is created by the bank administrator.

To create a merchant:

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

• 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 under the section Credit Account Details, select the appropriate account type.
• In the Account Number field, enter the account number of the merchant corresponding to the account type selected.
• In the Response Redirections section, enter the valid URL in the Success URL field.
• In the Response Redirections section, enter the valid URL in the Failure URL field.
• Click Save to save the Merchant details.
  OR
  Click Cancel to cancel the 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 changes if any.
  The administrator is directed to Merchant Management - Create screen with values in editable form.
  OR
  Click Cancel to cancel the operation and to navigate back to ‘Dashboard’.
• The success message appears along with the status of the transaction.
  Click Done .

Merchant Management – Outward Remittance - Edit

The system administrator can edit the details of any merchant maintained in the application. In order to edit the details of any merchant, the user must select the Edit option provided on Merchant Maintenance – View (details) page of the specific merchant.

To edit a merchant details:

• Navigate to the Merchant Management screen and in the Merchant Id field, enter the unique id of the merchant whose details you want to edit.
  OR
  In the Merchant Description field, enter the description of the merchant whose details you want to edit.
• Click Search. The search results appear based on the search parameters defined.
  OR
  Click Clear if you want to reset the search parameters.
  OR
  Click Cancel if you want to cancel the transaction.
  OR
  Click Create to create a new merchant maintenance.

3. Select the merchant record of which details you want to edit, by selecting the link provided on the merchant description. The Merchant Management - View screen appears.
4. Click the Edit option available on the Merchant Management – View screen to edit merchant details. The administrator is directed to the Merchant Management - Edit screen.
   

5. Update the required fields, click Save to save the changes.
   OR
   Click Cancel to cancel edit of the merchant maintenance.
   OR
   Click Back to navigate to the previous screen.
6. The Review screen appears, verify the details and click Confirm to confirm the details.
   OR
   Click Edit to make the changes if any.
   The administrator is directed to Merchant Management – Edit screen with all values (other than Merchant ID) 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 .

Merchant Management – Inward Remittance

Inward remittance refers to money being received to merchant's account/s from the various channels.

Using this maintenance System/Bank administrator can save the details of Payment aggregator which will act as a medium for transferring the funds to user’s wallet account from the external source (Credit card/ Debit card/ Net banking). The Merchant Management screen allows the system administrator to view, create, edit and delete the inward merchant details.

Merchant Management – Inward Remittance - View

On selecting a specific merchant record by clicking on the link provided on the merchant description, the screen displaying the details of the selected inward remittance merchant is displayed.

• Click Edit to edit merchant details. The user is directed to the Merchant Management - Edit screen.
  
  OR
  
  Click Back to navigate to the previous screen.
  
  OR
  
  Click Cancel to cancel the transaction.
  
  OR
  
  Click Delete to delete the merchant maintenance.

Merchant Management – Inward Remittance - Create Merchant

The system administrator can create a new inward remittance merchant so that the bank’s customers can receive payments in their wallet using the merchant ( payment aggregator) using channel banking.

To create a merchant:

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

• 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 under the section Account Details, select the appropriate account type.
• In the Account Number field, enter the account number of the merchant corresponding to the account type selected.
• In the Redirection URL field, enter the valid URL.
• In the Success URL field, enter the valid URL.
• In the Failure URL field, enter the valid URL.
• Click Save to save the Merchant details.
  
  OR
  
  Click Cancel to cancel the 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 changes if any.
  
  The administrator is directed to Merchant Management - Create screen with values in editable form.
  
  OR
  
  Click Cancel to cancel the operation and to navigate back to ‘Dashboard’.
• The success message appears along with the status of the transaction.
  
  Click Done .

Merchant Management – Inward Remittance - Edit

The system administrator can edit the details of any inward remittance merchant maintained in the application. In order to edit the details of any merchant, the user must select the Edit option provided on Merchant Maintenance – View (details) page of the specific merchant.

To edit a merchant details:

• Navigate to the Merchant Management screen and in the Merchant Id field, enter the unique id of the merchant whose details you want to edit.
  
  OR
  
  In the Merchant Description field, enter the description of the merchant whose details you want to edit.
• Click Search. The search results appear based on the search parameters defined.
  
  OR
  
  Click Clear if you want to reset the search parameters.
  
  OR
  
  Click Cancel if you want to cancel the transaction.
  
  OR
  
  Click Create to create a new merchant maintenance.

3. Select the merchant record of which details you want to edit, by selecting the link provided on the merchant description. The Merchant Management - View screen appears.
4. Click the Edit option available on the Merchant Management – View screen to edit merchant details. The administrator is directed to the Merchant Management - Edit screen.
   
   

5. Update the required fields, click Save to save the changes.
   
   OR
   
   Click Cancel to cancel edit of the merchant maintenance.
   
   OR
   
   Click Back to navigate to the previous screen.
6. The Review screen appears, verify the details and click Confirm to confirm the details.
   
   OR
   
   Click Edit to make the changes if any.
   
   The administrator is directed to Merchant Management – Edit screen with all values (other than Merchant ID) 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 .

Merchant Management - Delete

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

To delete a merchant:

• Navigate to the Merchant Management screen and in the Merchant Id field, enter the unique ID of the merchant whose maintenance you want to delete
  OR
  In the Merchant Description field, enter the description of the merchant whose maintenance you want to delete.
• Click Search. The search results appear based on the search parameters defined.
  OR
  Click Clear if you want to reset the search parameters.
  OR
  Click Cancel if you want to cancel the transaction.
  OR
  Click Create to create another merchant maintenance.

3. Select the merchant record whose maintenance you want to delete, by selecting the link provided on the merchant description. The Merchant Management - View screen appears.
4. Click the Delete option available on the Merchant Management – View screen.
   The application displays a message asking the applicant to confirm deletion.

• Click Yes to delete the merchant. A confirmation page appears with a success message and the status of deletion.
  OR
  Click No if you do not wish to delete ATM / Branch.
• Click Ok .

FAQs

Who can create or edit merchants?

The System administrator can create and edit the merchants.

Can I specify the account number which is not held within this Bank?

No, Merchant account number 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 immediate effect.

What is the significance of defining separate account numbers for service charge account?

Service charges, if applicable, for an online transaction initiated by a customer will be accounted separately in the merchant’s account number maintained for service charge credits

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