As your business grows, so does the organizational complexity. In order to provide transparent and flexible management of your expanded and grown business, optile also offers the setup for a merchant group with one or more merchants.
In this setup a Client can scale up from a single merchant to a group of merchants. In this scenario, each merchant can be configured to have the full functional capacity as in the standard single merchant setup or to have restricted configurations, depending on a Client's preference. For example, an individual merchant can retain the autonomy of configuring payment routing on his own, or this can be restricted for him and configured only by users with rights on a higher merchant group level.
The essential benefit of this setup is that a Client can gain overarching functionality across individual merchants. Thus, grouping merchants allows to centralize the management of payment flows, to get an aggregated view on monitoring, invoicing and reporting of payment data, as well as to configure user accounts accross merchants (see Figure 2).
The centralized management of payment flows is an option for a Client to configure how the transactions should be processed for individual merchants. This includes the entire optile's range of applications for configuring merchant contracts, routing of payments, settings of automated denial management, etc.
Besides the possibilities of monitoring, invoicing and reporting on payment data per merchant, users on a merchant group level additionally gain an aggregated overview of such data for all merchants and their divisions. Thus, it is possible to analyze individual transaction details per merchant and drill-down into an individual merchant's payment flows, as well as to receive the statistics and invoicing on a cross-merchant level for a global overview of payment trends.
Having this range of functionality makes it essential to ensure that each user has the proper set of access rights. This can be done with the flexible user management system offered by optile. Thus, the access rights of users can be configured to be restricted to a single merchant, to several merchants or to an entire group of merchants.
Figure 2. Merchant Functionality Areas