Merchant

In the SDK Finance platform, a merchant is a distinct role with its own responsibilities and functions. To support merchants in managing their operations, SDK Finance provides a dedicated web-based interface — the Merchant Portal.

This portal is designed specifically for merchants, offering tools to manage accounts, accept payments, issue invoices, and track financial activity in a convenient and user-friendly way.

General Information

The Merchant Portal is a dedicated component of the SDK Finance platform that provides a web-based interface for merchants. It allows merchants to efficiently manage their financial operations within the system.

Key capabilities of the Merchant Portal include:

• Managing merchant wallets and balances

• Accepting payments through multiple channels

• Creating and managing invoices

• Initiating withdrawals from merchant wallets

• Managing Points of Sale (POS)

• Viewing transactions and payment history

By combining In-System Payments and card payments (via Cybersource integration), the Merchant Portal provides merchants with a flexible and convenient way to handle their payment flows.

Menu Overview

Balances

In the Balances section, merchants can:

• View balances of all their In-System Accounts

• See the list of recent withdrawals with amounts, dates, and statuses

• Create new In-System Accounts in the allowed currencies

• Initiate withdrawals

• Request payments

Transactions

In the Transactions section, merchants can:

• View the full list of their transactions

• Apply filters to search by date, type, status, currency, or account

• Open transaction details for more information

Withdrawals

In the Withdrawals section, merchants can:

• View the list of withdrawals with details such as date, amount, status, and other attributes

• Initiate a new withdrawal directly from this menu

All withdrawals initiated by a merchant require approval by an accountant before being processed.

Initiating a Withdrawal
When creating a withdrawal request, the merchant must provide the following details:

• From account (In-System Account)

• To bank account/IBAN

• SWIFT

• Recipient full name

• Withdrawal amount (or choose the option to withdraw the entire available balance)

The system also displays the available balance for withdrawal for the selected account.

Requested Payments

The Requested Payments section consists of two tabs:

Issued Invoices

In the Issued Invoices tab, merchants can:

• View the list of all created invoices with details such as creation date, amount, recipient, payment link, and status

• Download a QR code for an invoice to make it easier for customers to pay

• Deactivate unpaid invoices — once deactivated, the invoice is removed from the recipient’s list of pending invoices

• Create a new invoice by specifying the required details

Creating an Invoice
To issue a new invoice, the merchant must provide the following details:

• Invoice name

• Currency – selected from the list of all available currencies in the system (if no accounts exist for that currency, the account dropdown will remain empty)

• Account – selected from the merchant’s accounts in the chosen currency

• Invoice recipient

• Expiration date

• Product code

• Count

• Product price

• Amount

• Description

Additionally, merchants can:

• Choose an invoice template from previously created templates

• Save the newly created invoice as a template for future use

Requested Payments

In the Requested Payments tab, merchants can:

• View the list of all created Merchant Payments, including details such as creation date, amount, currency, store name, and status

• Create a new Merchant Payment request

Creating a Requested Payment
To create a new Merchant Payment request, the merchant must provide the following details:

• Store name – selected from the list of existing Points of Sale

• Currency – selected from the list of all available currencies in the system

• Account – selected from the merchant’s accounts in the chosen currency (if no accounts exist for that currency, the list will remain empty)

• Order number

• Amount

• Description

Once the request is created, the system provides:

• A Payment Link, which the merchant can send directly to the customer

• A QR code, which the customer can scan to access the payment page

The customer, upon opening the Payment Link or scanning the QR code, is redirected to a payment page with transaction details and available payment options:

• Card payment (via Cybersource integration)

• In-System account payment through the mobile application (the customer must log in to the mobile app and can then pay using their internal wallet)

Points of Sale

In the Points of Sale section, merchants can:

• View the list of all their Points of Sale with details such as name, website, and status

• Open POS details

• Add a new Point of Sale

Creating a Point of Sale
To create a new Point of Sale, the merchant must provide the following details:

• POS company name

• Description

• Website (optional)

• Server URL

• Result URL

• Trust all certificates (Yes/No, selected from a dropdown, can be used for integration with POS device)

• Category (selected from a predefined list)

POS Details
In the POS details view, merchants can:

• See full information about the Point of Sale, including its configuration and URLs

• View the list of all Merchant Payments created through this POS, with details such as date, amount, transaction ID, and status

• Edit POS parameters

• Delete the POS if it is no longer needed

Account Profile

In the Account Profile section, merchants can:

• View and edit their company information (e.g., name, type, address, VAT number, contact details)

• View and edit manager information (e.g., name, email, phone number)

• Add and manage bank accounts — these accounts are stored for informational purposes only