03.13 Merchant, Brand, and Payment Method Setup

Status: draft for discussion

1. Goal

Platform user must be able to prepare merchant for deposit processing.

2. Merchant Setup

Platform user can:

• create merchant;
• set Legal company name and Merchant name;
• manage users/access;
• grant provider access;
• view audit history for merchant.

Legal company name is the official legal company name.

Merchant name is the working name used in Back Office.

3. Brand Setup

Brand is created inside merchant.

Platform user can create a brand for any merchant if their role allows it.

Merchant user can create a brand in their merchant context if their role allows it.

Brand is used when creating a deposit.

Payment methods are created inside a brand, not directly under merchant.

4. Payment Method Setup

User sees payment methods by available brands inside available merchants.

User can create a payment method under a specific brand.

First-level routing blueprint is configured inside the payment method.

Payment method without published routing must not accept production traffic.

5. Business Validation

The system must prevent:

• duplicate/invalid configurations;
• using inactive merchant, brand, or payment method for new deposits.