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.


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


Partner token vs Merchant Token request example:

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


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


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