{"title":"Account structure","category":"default","creationDate":1791543439,"content":"

Company account<\/h2>\n

When you sign up for an Adyen account, you receive a company account<\/strong>, which represents your core business entity with us. Under your company account, you must create merchant accounts for your users.<\/p>\n

Merchant accounts<\/h2>\n

Merchant accounts represent the users of your platform. The merchant account is where you configure payment methods and processing currencies for your user, override risk management rules set at company level, and receive the reports used for reconciliation. When a customer of your user makes a payment, the payment is processed through their merchant account. If your user supports both online and in-person payments (such as when implementing an omnichannel approach), we recommend to use one merchant account for both channels.<\/p>\n

Adyen pays out at the merchant account level. Merchant accounts must be associated with the legal entity that owns the bank account to which funds will be settled. If your users are accepting payments in multiple currencies, you may link multiple bank accounts to a single merchant account.<\/p>\n

If your user has multiple legal entities, you must create a separate merchant account for each legal entity. For example, you may not associate a single merchant account to a US and a French legal entity.<\/p>\n

Sales channels<\/h3>\n

When requesting a merchant account, you have to select the sales channel. Besides ecommerce<\/a> and in-person payments<\/a>, it is also possible to merge both sales channels into one omnichannel merchant account that we call our unified commerce<\/strong> solution. With Unified Commerce<\/a>, all payment data feeds into the same system. This lets your users deliver a wealth of cross-channel experiences, keep reconciliation simple, and capture rich customer insights.<\/p>\n

Stores<\/h2>\n

Under a merchant level, one or more stores represent the physical store locations, and are used to process point-of-sale transactions. For more information, refer to Account structure for in-person payments<\/a>.<\/p>\n

Example account structure<\/h2>\n

The diagram below shows an example account structure, including merchant accounts with different sales channels representing your users.<\/p>\n


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<\/p>","url":"https:\/\/docs.adyen.com\/managed-model\/account-structure","articleFields":{"description":"Understand account structures to design a platform that suits your business needs.","parameters":{"directoryPath":"\/managed-model"}},"algolia":{"url":"https:\/\/docs.adyen.com\/managed-model\/account-structure","title":"Account structure","content":"Company account\nWhen you sign up for an Adyen account, you receive a company account, which represents your core business entity with us. Under your company account, you must create merchant accounts for your users.\nMerchant accounts\nMerchant accounts represent the users of your platform. The merchant account is where you configure payment methods and processing currencies for your user, override risk management rules set at company level, and receive the reports used for reconciliation. When a customer of your user makes a payment, the payment is processed through their merchant account. If your user supports both online and in-person payments (such as when implementing an omnichannel approach), we recommend to use one merchant account for both channels.\nAdyen pays out at the merchant account level. Merchant accounts must be associated with the legal entity that owns the bank account to which funds will be settled. If your users are accepting payments in multiple currencies, you may link multiple bank accounts to a single merchant account.\nIf your user has multiple legal entities, you must create a separate merchant account for each legal entity. For example, you may not associate a single merchant account to a US and a French legal entity.\nSales channels\nWhen requesting a merchant account, you have to select the sales channel. Besides ecommerce and in-person payments, it is also possible to merge both sales channels into one omnichannel merchant account that we call our unified commerce solution. With Unified Commerce, all payment data feeds into the same system. This lets your users deliver a wealth of cross-channel experiences, keep reconciliation simple, and capture rich customer insights.\nStores\nUnder a merchant level, one or more stores represent the physical store locations, and are used to process point-of-sale transactions. For more information, refer to Account structure for in-person payments.\nExample account structure\nThe diagram below shows an example account structure, including merchant accounts with different sales channels representing your users.\n\n\n\n\n","type":"page","locale":"en","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Adyen for Platforms - Managed model","lvl2":"Account structure"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/managed-model","lvl2":"\/managed-model\/account-structure"},"levels":3,"category":"","category_color":"","tags":["Account","structure"]},"articleFiles":{"managed_account_structure.svg":"\"\""}}