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Set up your Adyen account for point of sale

Determine your Adyen account structure and create stores.

For point of sale your Adyen account has three levels:

  • A single company account on the Adyen platform. This represents your core business entity, and is where invoices for terminal orders are sent.
  • One or more merchant accounts under your company account. You receive settlements and reports at the merchant account-level.
  • One or more stores (store IDs) under each merchant account. These represent your physical store locations, and are used to process point of sale transactions. It is also possible to use merchant accounts to represent physical stores.

To process payments, each Adyen payment terminal has to be assigned to the physical store where the terminal is used. The store ID (or merchant account) represents the physical store.

Although payments are processed through payment terminals and stores, your transactions are paid out at the merchant account-level.

Step 1: Determine account structure

There is no ideal merchant-store account structure. This comes down to your business needs.

For example, if you're processing globally and want to have a single settlement per country, you could create a merchant account per country, and then a store for each physical location:

Alternatively, if you want each of your physical stores to have their own separate reporting and settlement, then you would create a merchant account and store for each physical location:

Here are some considerations:

  • Customer Area access: If there are multiple stores under a merchant account, merchant-level users have access to all those stores.

  • Various aspects are handled on the merchant account level:

    • Settlement: Bank transfers per merchant account.
    • Invoice: Created per merchant account.
    • Transaction fees: Booked and visible as a total per merchant account.
    • Scheme fees, interchange, markup: This is transaction-level information, but in summary reports it is shown on the merchant account level only.
    • Graphical reports in the Customer Area: Show information for the merchant account and the stores under it.

    If you have a single store ID per merchant account (or use the merchant account to represent a store) the merchant account name identifies the store. This means you effectively have the above aspects (settlement, invoice and so on) at the store level.

    On the other hand, having multiple store IDs per merchant account reduces the number of reports and bank transfers to reconcile and reduces the effort to manage terminals, terminal configurations, and Customer Area users.

Make sure to involve your Finance Department and discuss how you want to set up settlement and reconciliation.

For more considerations, see our documentation on company and merchant accounts.

You may want to use a simple account structure while you are building your test integration. But it is important to finalize the account structure that best represents your business before you go live. If you need help determining an account structure, contact our POS Support Team.

Step 2: Request merchant accounts

After you've determined an account structure, request one or more merchant accounts.

  1. Log in to your test Customer Area using the credentials you received after signing up for a test account.
  2. Go to Account > Merchant accounts.
  3. Select Request new merchant account and then Yes to create a merchant account on your test environment.
  4. Complete the requested details. For Channel, select "Point of sale" if that is your only sales channel, otherwise select "Ecommerce".
    You will receive a confirmation by email when we've created your merchant account.

Step 3: Request stores

After you've received confirmation of your merchant account(s), request one or more store IDs:

  1. Ask our POS Support Team for the Store Request Form.
  2. On the Entry tab of the form, complete the fields in the Value column.
    See Request a store to learn how to fill out the form. It is important that you do that correctly, to avoid delays.
  3. Send the completed form to POS Support, with a subject line of New Store request for [YOUR_MERCHANT_ACCOUNT - YOUR_COMPANY_ACCOUNT].

Next steps