Merchant Portal

The Merchant Portal is a web interface connected to CentralPay’s APIs. It allows you to view activity and manage your CentralPay Merchant Profile. Partner and Intermediary merchants can also view the activity of their standard and Participant merchants’ profiles.

Access:

1. Features

The Merchant Portal allows you to:

• To view the accounting transactions for the account
• To view card payments (“Card Transactions”)
• View SEPA bank transfer payments (“sctTransaction”)
• To view SEPA Direct Debit payments (“sddTransaction”)
• To create and view payment requests (“paymentRequest”)
• To create and configure Customer Profiles
• To create and configure Point of Sale (POS)
• Configure Smart Push notifications (templates, scenarios, etc.)
• To set up and manage payout settings
• To generate exports and download monthly financial reports
• For Partner Merchants and Intermediary Merchants only:
  • To create and view enrollment requests (“merchant-enrollment”)
  • View the activity of standard Merchant Profiles or associated Participants Merchants

ℹ️ Accounts with "Basic" privileges (Participant Merchants through CentralPay intermediaries) can only view transactions in which they are the Beneficiaries (transfer) and manage their Payout settings (payout).

2. User Profiles on the Portal

They represent individuals who have access to one or more CentralPay accounts as well as to all or some of the Merchant Portal’s services.

2.1. Management of “Legal” and “Natural” User Profiles

When creating a CentralPay Merchant Profile, the person responsible for completing the registration (an executive or an individual with delegated authority) is assigned a User Profile known as “Legal.” This person thus has full administrator rights for the account, as well as legal authority to configure the account’s most sensitive settings:

• Payment Account Settings:
  • Change to the Outgoing IBAN (Payout)
  • Change in the Terms for Bank Account Payouts
  • Updating Corporate Documents

• User Settings:
  • Creating New “Legal” Users
  • Coming Soon

Once the account has been created, you can create as many User Profiles as needed by entering their last name, first name, email address, and user role (which defines the permissions they will have on the account). The User Profiles created in this way are named “Natural.”

ℹ️ If you have multiple CentralPay accounts and your teams need access to them, create their User Profiles in one of those accounts, then ask CentralPay to assign those profiles to your other accounts. This will give them a single, centralized point of access for all those accounts. 

Access:

2.2. Managing Roles and Permissions for “Natural” User Profiles

The permissions for “Natural” user profiles are governed by their user role. The role includes a list of permissions (read-only, create, edit, delete) that can be configured by service (transactions, payment requests, acceptance rules, etc.). These permissions may vary depending on the selected services.

Users with the necessary permissions can create roles for each team in their company; however, predefined roles are available out of the box:

• Standard Admin: Full access to all Merchant Portal features (except for admin features). Please note that this role includes access to sensitive services such as acceptance rules, whitelists, blacklists, creating Merchant Portal users, creating Merchant Portal user roles, and creating and managing API users…
• Standard Read-Only: Coming soon
• Coming Soon

Contact CentralPay customer service if you need help creating custom roles.

Some important details regarding the roles:

• Roles can be combined; a user can therefore be assigned multiple roles
• Role permissions are inheritable; therefore, a user with the permission to create other User Profiles can only assign a role that is the same as or lower than their own.

Access:

2.3. Managing POS Categories

If you need to restrict user access to certain POS locations, you can create categories, assign them to your POS locations, and then assign them to your User Profiles.

Example: A user with permissions to create payment requests can only do so for the POS locations in their category. They can also view only the payment requests issued through the POS locations in their category. 

Contact CentralPay customer service if you need help creating custom POS categories.

Access:

3. List of transaction types visible on the Merchant Portal

Object Type	Value	Function
AUTHORIZATION	Flow Rate	Authorization to place a hold on a credit card balance
TRANSACTION	Credit	Card Transaction
TRANSACTION_CANCEL	Flow Rate	Card Transaction Cancellation
REFUND	Credit	Card Transaction Refund
REFUND_CANCEL	Flow Rate	Cancellation of a Card Transaction Refund
DISPUTE	Flow Rate	Unpaid payment due to a Chargeback on a Card Transaction
DISPUTE_WON	Credit	Cancellation of an Unpaid Credit Card Balance
TRANSFER	Flow Rate	Transferring Funds Between CentralPay Accounts
TRANSFER_CANCEL	Credit	Cancellation of Pending Transfer
TRANSFER_REVERSAL	Credit	Confirmed return of a transfer
PAYOUT	Flow Rate	Outgoing bank transfer from the CentralPay account
PAYOUT_CANCEL	Credit	Canceling an Outgoing Bank Transfer
PAYOUT_REVERSAL	Credit	Confirmed Return of an Outgoing Bank Transfer
SCT_TRANSACTION	Credit	Incoming Bank transfer
SCT_TRANSACTION_CANCEL	Flow Rate	Canceling an Incoming Bank Transfer Before It Arrives
SCT_TRANSACTION_REFUND	Flow Rate	Cancellation of an Incoming Bank Transfer After It Has Been Received by the Merchant
SCT_TRANSACTION_REVERSAL	Flow Rate	Canceling an Incoming Bank Transfer After It Has Been Processed by CentralPay
CREDIT	Flow Rate	Card credit not associated with a transaction
CREDIT_CANCEL	Credit	Canceling a credit card balance
SDD_TRANSACTION	Credit	SEPA Direct Debit from an External Bank Account
SDD_TRANSACTION_CANCEL	Flow Rate	Canceling a direct debit from an external account before it is processed
SDD_TRANSACTION_REVERSAL	Flow Rate	Refund of a debit from an external account after it has been posted
DEPOSIT	Credit	Depositing Funds into a CentralPay Account