Merchant Management System

Admin Portal

For Bank Operations Teams

The Admin Portal is the internal control center used exclusively by your bank’s operations, compliance, and support staff. Access is fully role-based each staff member sees and can action only what their assigned role permits. This is where your team manages the entire merchant lifecycle, configures fees, monitors transactions, and oversees daily settlement.

Who uses it: Bank operations staff, compliance teams, finance staff, and support teams all with role-based access and permission controls.

Merchant Onboarding & KYB Verification

• Bank staff registers merchants directly from the Admin Portal
• Faster activation for merchants who prefer assisted onboarding

Fee & MDR Configuration

Configure merchant discount rates and fees at category level (if there are any as per national level) or override at individual merchant level giving your team full control over the revenue structure of your acquiring business.

• Set MDR rates across merchant categories 
• Define separate fee structures for On-Us payments, Off-Us payments, and refunds
• Slab-based fee configuration with minimum and maximum fee caps per transaction range
• Individual merchant fee override takes priority over category-level fee when both exist
• Date-bound fees, set start and end dates so rate changes apply automatically

Admin Portal

Transaction Limit Controls

• Set daily and monthly transaction amount limits and transaction count limits
• Configure limits at merchant category level for uniform controls across merchant types
• Override limits at individual merchant level for specific risk assessments or business arrangements
• Real-time limit tracking with breach visibility for your operations team

Transaction Monitoring

• View all On-Us and Off-Us payments and refunds in one consolidated list
• Search and filter by reference number, transaction type, status, reconciliation status, channel, and date range
• Drill-down transaction detail including all reference numbers, fee breakdown, net amount, and settlement amounts
• Full action log per transaction showing every system and processing step with timestamps
• Export transaction data for reporting and reconciliation purposes

Settlement Account Management

• Configure settlement accounts per merchant or per branch independently
• Multiple accounts supported per merchant with a designated default account
• Only verified settlement accounts are eligible for settlement processing
• Settlement option switchable between merchant-level and branch-level from the Admin Portal
• Automatic addition of settlement account record when a new merchant or branch is onboarded

Admin Portal

Bulk Customer Registration

• Upload customer data via a structured file format provided by the system
• Platform registers customers internally and forwards registrations to the national payment scheme simultaneously
• Email notification sent on completion with a full status report showing successful and failed records
• Reduces manual effort and ensures consistency in customer onboarding at scale

Role-Based Staff Access & Maker-Checker Controls

• Each staff member is assigned roles that define their exact access and permitted actions
• Sensitive changes such as merchant contact number updates follow a maker-checker workflow requiring a second level of review before taking effect
• All changes to merchant records, fees, limits, and settlements are captured in full action logs
• Staff accounts are created by authorized users no self-registration for internal bank staff

Centralized Action Logs & Audit Trail

• A single centralized log captures every action performed by every staff member across the entire platform
• Bank management and authorized roles can review the full history of all system activity in one place
• Each log entry records the action performed, the staff member who performed it, the affected record, and the date and time
• Ideal for internal audits, compliance reviews, and operational oversight

Merchant Web Portal

The Merchant Portal is a self-service web platform used by your registered merchants to monitor their payment activity, manage their branches and terminals, view transaction history, generate QR codes, and raise support requests all without needing to contact the bank for routine tasks.

Merchant will do the self registration via merchant portal 

Who uses it: Merchant owners, branch managers, counter terminal staff, and merchant staff each with their own login and access level.

Merchant Hierarchy- Separate Login for Every Level

• Main Merchant: full visibility across all branches and terminals, manages staff, settings, and QR codes
• Branch Merchant: separate login with visibility and transactions scoped to their branch and its terminals
• Terminal Merchant: separate login with visibility scoped to their assigned counter terminal only
• Merchant Staff: created by the main merchant with Admin Staff or Finance Staff role and specific permissions

Dashboard & Real-Time Insights

• Today’s total transaction count and sales amount
• Recent transactions list with amount, type, date, and reference
• Line graphs showing payment and refund trends  today, last 7 days, and last 30 days
• Notification center with real-time alerts for payment activity

Merchant Web Portal

QR Code Generation & Management

Static QR:

• Permanently assigned to the main merchant and each counter terminal
• Downloadable in PNG format for printing and counter display

Static QR with Predefined Amount:

• Merchant generates a one-time QR with a specific payment amount embedded
• Customer scans and pays without entering an amount reducing errors while entering
• Single-use only, not stored in the system, easy payment for customer 

Dynamic QR (Per Transaction):

• Generated on demand for a specific transaction amount
• Displayed on screen of POS for the customer to scan and pay immediately
• Valid for one payment only  not reusable or downloadable

Counter Terminal QR Management:

• Centralized view of all terminal QR codes across all branches
• Search and filter by terminal name or branch
• View or export any terminal QR without navigating into individual terminal records

Transaction History & Refund Management

• Complete transaction history covering both On-Us and Off-Us payments
• Filter by reference number, date range, branch, terminal, transaction type, and status
• Each transaction record shows the full merchant → branch → terminal hierarchy
• Transaction details include MDR fee, interchange, net amount, and settlement amount
• Merchants can initiate full or partial refund requests directly from transaction records
• Refund requests are reviewed and actioned by bank staff status visible to the merchant

Merchant Web Portal

Staff Management

• Add staff with name, contact number, and assigned role
• Multiple system-defined roles such as Merchant Admin Staff (administrative access) and Merchant Finance Staff (financial and refund access)
• Edit roles, deactivate staff, or remove access at any time
• Deleted staff contact numbers can be reassigned to new staff if needed

Support Request Management

• Submit requests categorized by department, request type, subject, and priority
• Request types include Support, Inquiry, Recommendation, Dispute, and Others
• Upload supporting documents with the request
• Track ticket status in real time updated by bank support staff as the issue progresses
• Branch and terminal tickets are clearly attributed in the support list

Notifications & Alerts

• Real-time in-portal notifications for payment activity
• Mark individual or all notifications as read
• Configurable email and SMS notification settings for transaction alerts
• Notification history retained until manually cleared

Multi-Language & Multi-Device Support

• Portal available in English and local language switchable at any time
• Fully responsive across web, tablet, and mobile devices
• Native mobile app available for merchant access on the go

Merchant Mobile App

• Available on IOS and Android
• Biometric login – fingerprint and face recognition for secure and fast access
• View and manage all branch and terminal listings on the go
• Transaction listing with real-time updates
• Push notifications for every transaction
• QR code visible and accessible directly from the app
• Multi-language support
• All features optimised for mobile screen experience