Account structure

Implications of account structure

Adyen provides a flexible account structure of a master 'company account' with multiple child 'merchant accounts'. A common setup is to use one merchant account for each business unit or physical retail location.

Payout of funds, as well as cost accounting and separation within the Adyen customer area and reports, will be by merchant account.

If you operate a large number of physical stores, we recommend using a merchant account per legal entity or country/brand, with a property on transaction level identifying the individual store location. 

The choice of account setup will influence bank settlement, the cost accounting and ability to limit user credentials to a particular store.


Merchant account for each store

Merchant account for each country/brand

Bank settlement

One bank transfer for each (physical) store

One bank transfer for each settlement currency

Transaction fees

Booked and visible for each store

Booked and visible as total for each country/brand

Scheme Fees, Interchange, Markup

Transaction-level information, one report file for each settlement. Store identified in summary reports by account name.

Transaction-level information, one report file for each settlement. Store indicated as data field for each transaction. In summary reports, information available on country-level only.


Invoice possible for each store.

Invoice possible for each country, no separate invoice for each store.

Customer area

Graphical reports for each store

Graphical reports for each country/brand

User credentials

User credentials can be assigned by store, making it possible to limit user rights accordingly

Authorised merchant users have access to all information regarding a country through the Adyen Customer Area.(Note that stores can have daily end-of-day totals from the terminal)


Settlement of funds separated for each store, clear split in all Adyen reporting. However, in the case of many stores, large number of separate report files and bank transfers to be processed

Simplifies terminal & configuration management and reduces effort in managing user credentials. Reduces number of bank transfers to be reconciled.

Limited possibility in Adyen reporting to group reporting by country/brand.

Requires some additional financial processes, for example to book specific transaction costs (separate scheme fees or balance transfers, etc.) which are only reported on a country/brand level to the individual stores, if merchant wants to allocated these costs for each store.

Higher complexity in managing configurations, terminals and user credentials.

Suggested use case

Recommended for franchises. Need for real-time store reporting inside customer area

In case of many stores and mainly owned stores.