Business Partners - PAY. Partner Portal

Via PAY.'s partner portal, you can easily manage your customers' accounts and add customers yourself.
There are three ways to add submerchants:

Manually via the Admin Panel (Manage -> Submerchants)
Via our API

To take as much work off your customers' hands as possible and ensure a fast and smooth onboarding, we recommend making the registration as complete as possible right away. Make sure we have the correct directors and UBOs on file from the start, and request the most commonly requested documents from your customer in advance — then nothing stands in the way of a fast onboarding. The most commonly requested documents are (see also our acceptance policy):

Copy of UBO identification
We need to have the full names and percentage interests on file
Chamber of Commerce (KVK) extract
Business bank account
This can be done using a copy of a bank statement, a screenshot of the merchant's business banking app, or the merchant can make a one-time payment themselves via online banking

1. Important buttons

You can find your submerchant overview under the tab Manage > Submerchants. From this menu you can perform a number of actions:

House: once you've received access permission from your customer, this allows you to impersonate the merchant account (view and make changes).

See also "How do I view my customer's account"
Folder: use this button to download the documents submitted for this account
Eye: view your customer's file status (and quickly add documents as well)

See also "Uploading documents"
Gear: option to add extra documents
Wrench: quickly and easily retrieve the connection details (SL code, AT code, and API Token)

See also "Where do I find my customer's connection details"

For Alliance accounts, it is not necessary to impersonate accounts. This is because this account manages all connections and also initiates transactions itself using a master token. Customers of Alliances don't need access to PAY.'s admin.

2. Manually adding a submerchant (action: partner)

To add a submerchant via the Admin Panel, go to:

Manage > Submerchants. Here you'll also find an overview of your submerchants.
At the bottom of the page, click the Add button.

To open this menu directly, click here (make sure you're logged in to the admin).

Manage -> Submerchants

Add (bottom right)

In the next window, you can enter the details of the customer you want to add. Depending on the type of partnership your company has with PAY., you'll have different package options to choose from for the submerchant. If your company has multiple partnership types with PAY., select the connection type.

Enter the submerchant's details:

Select connection type and package

Variable	Value	Obliged
Partnership	Select the connection type to add here. Depending on the type of partnership your company has with PAY., you have different options. If you have entered into multiple partnership types with PAY., select the connection type. Choice of: Business Partner (PAY. Commercial can follow up on the client, partner receives a kickback) ISO Partner (Partner determines pricing, PAY. invoices, there is a revenue share) Alliance Partner (Partner pays all costs and invoices the submerchant directly)	Yes
Package	Select the package here. Depending on the type of partnership your company has with PAY., you have different options for the packages to choose for the Submerchant.	Yes

Company details

Adding company details

Variable	Value	Obliged
Land	Enter the country where the main organization is located.	Yes
Chamber of Commerce number / business number	The Chamber of Commerce number is unique and cannot be used more than once within PAY., except under Alliance Partners.	Yes
Company name	Enter the company name as registered with the local Chamber of Commerce	Yes
Address + house number	Enter the address and house number of the main branch	Yes
Postal code/City	Enter the company's postal code and city.	Yes
VAT number	The VAT number is used by PAY. for invoicing and potentially (for companies outside the Netherlands) to reverse charge VAT. For Alliance Submerchant, no invoicing relationship is established between PAY. and the Submerchant. The VAT number is therefore optional.	no

Account details

Adding account details

Variable	Value	Obliged
Account holder	Enter the name of the account holder to whom the funds are paid out here. This must be a business account in the name of the company. It is also possible to add this later.	no
IBAN	An IBAN starts with a country code. For example: NL12RABO1234567890.	no
BIC	Enter the bank's BIC code.	no
Clearing frequency	Select the payment frequency. Depending on the chosen package, the options are: Daily Weekly (every first working day of the week) Monthly (every first working day of the month) Manually - via API or an entry in the Admin Panel	Yes

Authorized signatories and UBOs

Adding authorized signatories and UBOs

Variable	Value	Obliged
Language	Select the language of the user to be added. By default, this is set to NL. Choose from NL/EN/FR	Yes
Gender	Choice of man/woman	Yes
First name	Enter the full first name.	Yes
Surname	Enter the full surname.	Yes
Email address	Enter the user's email address. The person you add can log in with this.	Yes
signing authority	Indicate the extent to which this person is authorized to sign.	Yes
UBO	Check whether this person is a UBO.	Yes
Rights	Indicate whether this person is allowed to log in to PAY.	Yes
plus sign / cross	To add another person, click the green plus sign. If you have added too many people, they can be removed using the red cross.	Yes

Contact details

Adding contact details

Enter the company's contact details below. A public email address and a public phone number are required. This information is also shared with payment options and with end users when they look up a payment via pay.nl/consument.

Variable	Value	Obliged
Contact method	Choice of: Email address Customer service email address Skype, WhatsApp or other communication medium Phone number Out-of-hours customer service line Customer service line during office hours URL - for example a contact form	Yes
Value	Enter the email address, phone number, or URL.	Yes
Description	Describe where the entered number, email address, or URL leads, and how quickly it is responded to. All so that the end user has as little ambiguity as possible when looking up a payment.	Yes
Audience	Check this option if the contact details may be shared with third parties.	Yes
Notifications	For email addresses only. Check to receive payment notifications by email upon successful payment.	Yes
plus sign / cross	To add another person, click the green plus sign. If you have added too many people, they can be removed using the red cross.	Yes

Sales location

Adding a sales location

Variable	Value	Obliged
Name	Select the name of the sales location; this name will appear in your statistics and on specifications. In some cases, this name is also communicated to Payment Service Providers or End Users (Payers).	Yes
Description	Describe briefly and concisely what is being paid for. In some cases, this name is also communicated to Payment Service Providers or End Users (Payers).	Yes
Category	Select the category your offer falls into here; always choose the category that matches most closely.	Yes
URL	Provide the URL (if applicable) from which payments are initiated.	Yes

Payment options

Selecting payment options

Because the availability of payment options depends on the selected category, the available payment options only become visible once you've added the sales location. Check the desired payment options that need to be activated. Some payment options (such as PayPal) require additional information. Don't have this information on hand (yet)? It's possible to activate or change payment options afterward.

Other settings

Offsetting against account balance - Within an Alliance Partnership, it's possible to deduct the cost invoice for your own services from the submerchant's account balance. To enable this and set this condition on the submerchant agreement, check the option "I want to use the merchant's account balance for my company's invoices." If you send the submerchant a separate invoice for your costs, you can leave this option unchecked.

Welcome email - After every registration, PAY. automatically sends an email to the created users with the login details. It's possible to change the email type or choose not to send an email at all.

No welcome email
Simple welcome email - Just the information that an account has been created for the user, along with the automatically generated password. Depending on the user's signing authority, the email may also contain a link to sign the agreement.
Extended email - Same as the simple email, with the addition of a brief explanation of the collaboration between the partner and PAY.

3. Adding a submerchant via API (action: partner)

Authentication

Basic Authentication
Authentication for the API Partner::addMerchant takes place via HTTP Basic Authentication

Request

In this request example, we add a merchant from a business partner account.

Request code: Adding a submerchant via API

curl --request POST
--url https://rest-api.pay.nl/v1/Partner/addMerchant/xml
--header 'authorization: Basic dG9rZW46PHlvdXItYXBpLXRva2VuPg=='

Parameters

Parameter	Type	Field	Description
E-mail	string	OBLIGED	Email address of the user to be registered
firstName	string	OBLIGED	First name of the user to be registered
lastName	string	OBLIGED	Surname of the user to be registered
companyName	string	OBLIGED	Company name
cocNumber	string	OBLIGED	Chamber of Commerce number of the company
gender	string	OBLIGED	Gender of the user to be registered; options are 'male' or 'female'
street	string	OBLIGED	Street name of the company
houseNumber	string	OBLIGED	House number of the company
postal Code	string	OBLIGED	Company postcode
City	string	OBLIGED	Place where the company is located
countryCode	string	OPTIONAL	Country where the company is established
bank Account Owner	string	OPTIONAL	Name of business account holder
bankAccountNumber	string	OPTIONAL	Business account number (IBAN)
bankAccountBIC	string	OPTIONAL	BIC or SWIFT code
vatNumber	string	OPTIONAL	VAT number
languageId	integrity	OPTIONAL	Language preference for the user to be registered. Here you provide an ID. Available options can be retrieved via language::getAll . Examples: 1 :NL, 2 :BE, 4 :EN. 5 :DE, 6 :FR, 8 :ES
authorizedToSign	integrity	OPTIONAL	Indicates whether the user to be created has signing authority. Options are: 0 : NO 1 : YES, fully/independently authorized to sign 2 : YES, jointly authorized to sign
UBO	integrity	OPTIONAL	Indicates whether the user to be created has UBO status. Available options are: 0 : NO 1 : YES
useCompanyAuth	integrity	OPTIONAL	Indicates whether the user has rights as described here . Options are: 0 : NO 1 : YES
sendEmail	integrity	OPTIONAL	Indicates whether the new user should receive a registration email. 0 : No email 1 : Standard registration email 2 : Short registration email
invoiceInterval	integrity	OPTIONAL	Clearing frequency. Possible fields per day, week, or month (first Monday of the month).
signees	array		Place where the company is located
	array		{
e-mail	string	required	Email address of the additional user
first name	string	required	First name of the additional user
last name	string	required	Surname of the additional user
authorized_to_sign	string	required	Indicates whether the additional user is authorized to sign. Available options: 0 : NO 1 : YES, fully/independently authorized to sign 2 : YES, jointly authorized to sign
ubo	integrity	required	Indicates whether the additional user is a UBO. Available options: 0 : NO 1 : YES }
referralProfileId	string	OPTIONAL	CP code that must be applied to configure the correct package
hasAccess	bool	OPTIONAL	Access to merchant account. Available options: 0 : NO, use this option when you only want to register a UBO (and do not necessarily need access) 1 : YES, user has access to the merchant account
uboPercentage	integrity	OPTIONAL	Indicates the UBO percentage in numbers only (for example, 25 for 25%)

4. How do I get access to the merchant account as a partner

A merchant can grant you, as a partner, access to the merchant account. To do this, they need to grant access permission once (the merchant can also revoke this at any time). To do this, your customer follows these simple steps.

5. How do I view my customer's account

Impersonating an account

Successful impersonation

Step	Description
1	Go to the Manage tab and then Submerchants
2	Here you will find an overview of your submerchants. Click on the House icon to impersonate the desired account.
3	When you have been successfully impersonated, you will see "Imitation successful" and the name of the merchant account you are impersonating in the top right (next to your username).
4	To stop imitating, click the - (minus) sign in the top right, next to the Merchant name. You will then return to your own partner environment.

Getting an error message? Contact your partner manager or our Support department via 088 88 666 22 or email support@pay.nl.

6. Document status and uploading

Viewing file status

Viewing file status and uploading documents

Merchant > Company details

Overview of outstanding documents

For successful boarding, it's important that the correct documents are provided. This applies to both the partner account and the submerchants. Think of a Chamber of Commerce (KVK) extract, UBO form, copy of identification, and a copy of a bank card/statement. You can easily support your customer with this via the partner portal.

Step	Description
1	Go to the Manage tab and then Submerchants
2	Here you will find an overview of your sub-merchants. Click on the Eye to view your customer's file status.
3	If documents still need to be submitted, you will see a + next to the relevant document. You can use this button to upload the document for your client.

Alternatively, you can also impersonate your customer (if you've been granted these rights).

Step	Description
1	Go to the Manage tab and then Submerchants
2	Here you will find an overview of your sub-merchants. Click on the House icon to mimic your customer.
3	You see an overview of all outstanding documents; you can upload these via the "Do this now" button.

7. Submerchant file status

File statuses and submitting to Pay.

After all documents for your submerchant have been added, the account can have various statuses. You can view and filter by these via Settings -> Submerchants.

Status	Description
Registration	Submerchants that are still in the onboarding process and have not yet added everything will fall under Registration . Therefore, when creating a submerchant, it will start under Registration by default .
Onboarding	As soon as the submerchant has provided all mandatory documentation, the account can be submitted to Pay. Image File statuses and Submit to Pay. The account is currently not yet active but is awaiting approval from a Pay. onboarding employee.
Active	The account has been fully onboarded by Pay. and is now fully active. At this point, payout for the merchant is fully active and clearings can be sent.
Suspended	Within this overview, you will find all submerchants that were once linked to your account but have currently closed their account and can no longer log in.
Offboarding

8. Activating payment methods for your customer

Impersonate your customer's account (you can read how to do this here). Then you can activate payment methods just as a merchant would do themselves.

In the Admin Panel, go to the tab Manage » Sales locations https://admin.pay.nl/programs/programs.
Choose the sales location for which you want to set up payment options by clicking the 'change' link in the options column.
In the 'Payment options' section, select your desired payment options by checking the checkbox next to the payment option.
Click the orange 'change' button at the bottom of the page to save the changes.

See also the section Activating payment methods.

PAY. uses 250+ Payment Settings to indicate your preferences. These settings are used to pass information to internal systems (such as the VERIFY module, to the various payment options, or for configuring the payment screens). You can manage certain Payment Settings yourself; others can only be configured by your partner manager or another employee. The ability to adjust PAY.'s payment technology depends on several factors:

The package the submerchant has with us and the activated options.
The category of the sales location.
The type of integration (hosted solution, plugin, or other module)
Chosen payment option

9. Credits

When you enter into a partner agreement with PAY, we make certain (pricing) agreements. You don't need to do anything further for this — we make sure the rates are set correctly.

Business Partner

Usually a fixed kickback per transaction, depending on, for example, the level of the iDEAL rate. For credit card payments, you receive a percentage of the flow (volume). At the end of the month, we calculate your credits and pay these out via a clearing to the business account number provided in your partner account.

Alliance

Has a buy rate with PAY. and invoices the costs to their own customers themselves. In principle, you therefore only receive one invoice from PAY. at the end of the month for all transactions you've processed via the Alliance account. It's also possible to deduct your own costs from your customer's account balance. In that case, we carry out a clearing of the outstanding credits on your account balance.

ISO

Works with a minimum buy rate and revenue share. PAY. invoices your customers. We then calculate the revenue share, and the ISO invoices PAY.

The contract will be uploaded as an addendum to your partner account and can be viewed under the tab Company details, then scroll to the section 'Agreement'. Here you'll find an 'Addendum' with the description 'Partner agreement' (for example).

10. Payout history of credits

Credit invoice

Overview per merchant

Under Merchant > Invoices (clearing) you'll find an overview of your clearings (payouts) and (credit) invoices.

Clearing history: this table shows all clearings that have already been paid out. You can not change the clearing frequency of partner credits. The configurable clearing frequencies only apply to standard (merchant) transactions.
Invoice history: this table shows all (credit) invoices. Here you'll find an overview of payouts per merchant (see screenshots alongside).