API Partner vs. Merchant Context

Created by Richard Moore, Modified on Mon, 04 Dec 2023 at 09:51 AM by Richard Moore

What is the difference between a Partner and Merchant?


A Partner, or organization as it is represented in our API, is an entity that will onboard sub-merchants onto Exact's PayFac-as-a-Service platform. It will then integrate with a series of APIs to manage various payments functions on behalf of its sub-merchant portfolio.


A Merchant, or account as it is represented in our API, is either onboarded as a direct merchant under Exact Payments organization, or as a sub-merchant under a Partner. 


Which API context do I use, Partner or Merchant?


The Partner context is meant to be invoked by a Partner (Organization) on behalf of a given sub-Merchant (account) in the request URL.


The Merchant context is meant to be invoked by a standalone merchant without a Partner relationship, or by a sub-merchant beneath a Partner, in the request URL.


What is the difference in authentication methods?


The Partner (organization) must authenticate using the Partner or organization token.

{{baseUrl}}/application/{{applicationId}}/organization/{{organizationId}}/token


The Merchant (account) must authenticate using the Merchant or account token.

{{baseUrl}}/account/{{accountId}}/token


Partner token vs Merchant Token request example:


Partner Context Requests contain the accountId of the sub-Merchant, for example:

{{baseUrl}}/account/{{accountId}}/payments


Merchant Context Requests do not contain an accountId, as they are limited to a single account: 

{{baseUrl}}/payments

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