Merchant
Who is a Merchant?
A Merchant is a business or individual entity that uses the CCG platform to accept electronic payments from customers for goods or services. The CCG enables merchants to securely process transactions through various payment methods (such as credit/debit cards, bank transfers, and digital wallets) and channels (web, mobile, in-person, etc.).
In CCG, merchants
- Registers and configures their business profile on the gateway
- Integrates their website, app, or point-of-sale system with the gateway APIs
- Initiates and manages payment transactions
- Receives settlement of funds from processed payments
- Accesses transaction reports, analytics, and reconciliation tools
- Ensures compliance with security and regulatory standards (e.g., PCI DSS)
- May configure fraud prevention, refunds, and dispute management features
The payment gateway acts as an intermediary between the merchant, the customer, and the financial institutions involved in the transaction, ensuring secure and reliable payment processing.
Business Value
The merchant service delivers value to our organization by:
- Flexible Payment Collection: Configure various payment channels based on business needs
- Customer Management: Store and retrieve customer information securely
- Enterprise Integration: Connect with enterprise systems for customer identification
- Payment Tracking: Monitor payment status across the payment lifecycle
Merchant Structure
Core Properties
| Property | Description | Business Significance |
|---|---|---|
| ID | Unique system identifier | Ensures accurate internal referencing |
| Merchant Group ID | Association with a parent group | Enables shared configuration and reporting |
| Name | Human-readable identifier | Enables easy identification in reports and interfaces |
| Vendor Merchants | Integration details with payment processors | Connects merchant to external payment providers |
| Settings | Configuration parameters for merchant operations | Controls merchant behavior and capabilities |
| Enterprise Settings | Integration with enterprise identity systems | Enables customer lookup in enterprise systems |
| Payment Method Settings | Accepted payment types and channels | Determines what payment options customers can use |
| Client IDs | Authentication identifiers | Controls which applications can access merchant data |
Payment Method Settings
Merchants can be configured to accept various payment methods through different channels:
-
Payment Types:
- Credit/Debit Cards
- Bank Accounts
- Digital Wallets
- Other payment methods
-
Payment Channels:
- Web Forms
- Text Messages
- Email Links
- In-person Terminals
Enterprise Integration
Merchants can be configured with enterprise search criteria to identify customers using:
- Enterprise identifiers
- Search paths
- Customer metadata
- Response mapping
Merchant Webhook Events
Merchants can subscribe to events that notify external systems about payment activities:
Payment Events
- Payment Succeeded
- Payment Failed
- Payment Authorized
- Payment Canceled
- Payment Accepted
Payment Method Events
- Payment Method Created
- Payment Method Updated
- Payment Method Deleted
- Payment Method Replaced
Refund Events
- Refund Success
- Refund Failed
- Refund Pending
Dispute Events
- Dispute Initiated
- Dispute Won
- Dispute Lost
Merchant Customers
Merchants maintain customer profiles with:
- Basic identification (name, email, phone)
- Payment preferences
- Enterprise identifiers
- Merchant specific identifiers
- Transaction history
This information enables:
- Faster checkout experiences
- Personalized payment options
- Compliance with payment regulations
- Better fraud detection
Integration with Payment Processors
Merchants can integrate with various payment processors:
- Stripe: For card and bank account processing
- Terminal Support: For in-person card payments