Change Payment scheme options

When creating a Merchant account, you can add a Default Payment scheme built on the Base currencies you have chosen while creating an Organisation. Also, you can pick another Scheme if you created it previously.

Additionally, you can change the Payment scheme in the account Scheme settings.

Change the Payment scheme for your Merchant account

1. Go to Merchants and click the Scheme tab.
2. Then, go to the Payment scheme section and click Change Payment scheme.
3. After that, the system initiates opening a corresponding modal. Choose the Payment scheme from the combo box and click Save changes.

4. If the previous Scheme and the newly chosen Scheme have an inclined Method flow, then the methods remain the same at Checkout after changing the Scheme.
5. As the Currencies are attached to the Scheme, after it changes, old Currencies remain in the Merchant account but become inactive. Vice versa, the Currencies from a new Scheme become activated.
6. To view the list of Currencies, scroll to the Currencies section.
7. If you need to activate or deactivate any Currency, click the related toggle. Beware, you are unable to initiate a Payment Request in deactivated Currencies.

Enable Test/Live methods

1. Go to the Scheme tab.
2. To enable the Live methods, click the Payments toggle in the Live methods section.
3. To enable the Live methods for Payouts, click the Payouts toggle in the Live methods section.
4. To enable the Test methods, scroll to the Test methods section and switch on the respective toggles.
5. The system opens a confirmation modal. You can confirm the action and enable all the Methods pulled from the Payment scheme.
6. To cancel the action and select the Methods on your own, click No, choose manually. The system should redirect you to the Payment methods or Payout methods page, namely the Live/Test grid.
7. If the Payments or Payouts toggle is switched on in any section, the system displays an overview of the relevant Methods.

Specify Fee payer

The Fee payer setting at the Merchant account level determines who pays the Fee for transactions processed through the Merchant account.

The available options are:

• Merchant pays: the Fee is deducted from the transaction amount, so the Merchant receives the transaction amount minus the applicable Fee.
• Customer pays: the Fee is charged to the Customer in addition to the transaction amount, while the Merchant receives the full transaction amount.

The Fee rates and calculation Rules are configured for each Payment or Payout method and are not changed at the Merchant account level. The Merchant account setting only determines who bears the applicable Fee.

How it works?

The Fee payer configuration is inherited from the Payment scheme. Whether a Merchant can change it depends on the Merchant fee policy access configured at the Payment scheme level.

• Private: the Fee payer configuration is not available to the Merchant.
• Read-only: the Merchant can view the inherited Fee payer configuration but cannot change it.
• Editable: the Merchant can change the Fee payer for their Merchant account.