What type of customer am I?
Spreedly generally has two types of customers: merchants of record and merchant aggregators.
As a merchant of record, your business will own the relationship with your acquirer and processors.
As a merchant aggregator (sometimes known as a “platform”), your business will facilitate the ability for other businesses to transact on your platform, though you likely don’t manage the relationship with your clientele’s acquirers and processors.
Your use case may even be a combination of these models, both managing your own transactions and facilitating the transactions of other businesses. In this case, we recommend you review our documentation on these use cases, and read on in this guide.
Using Spreedly as a Merchant Aggregator
If your business matches Spreedly’s merchant aggregator model, please visit our guide on Merchant Aggregator Services. There are some extra considerations that you will want to understand configuring this customer model.
For example, will your clientele need to share a single production environment? Will you want to segment your clientele into individual production environments?
As a merchant aggregator, you may want to create environments and environment access secrets using the API, especially if you want to automate parts of your merchant onboarding process. There are sections for these requests in our API reference.
In Spreedly terminology, you may see the term “sub-merchant”. We refer to your clientele as sub-merchants of you, the merchant aggregator. But there is also a sub-merchant object that you can create via the API to assist in reporting purposes. We recommend creating a sub-merchant object for each of your clients in the environment(s) in which they transact.
If you are using Spreedly as a Merchant Aggregator, please visit this guide as a supplement to these onboarding modules, as it will provide important information for your use case.