The services provided to merchants and processors by the Gateway are functionally divided into the following groups: Client Account Management Payment Enablement and Processing Merchant Administration Functions For a detailed description of these modules see the Product Services Guide and the Merchant Admin Guide. The Gateway services are usually provided to merchants by acquirers and PSPs who may have different merchant onboarding processes. The following describes a typical procedure which will give merchants an overview of the actions they may be required to perform in order to take advantage of the Gateway payment services. Acquirers and PSPs assist merchants in accepting electronic payment transactions. This includes obtaining information from the Gateway, communicating with card issuers through the Gateway, receiving authorization, and communicating and settling the transaction into the merchant’s account. Merchant Agreement Merchants will be required to complete a Merchant Agreement, a contract governing the relationship between a merchant and an acquirer or PSP. The merchant agreement documents the range of services that the acquirer or PSP will provide and the fees they will charge for those services. This agreement will include the terms and conditions governing the services provided to merchants and the responsibilities of the merchant in accepting payments through the Gateway. Merchant Information Merchants will need to provide certain information before being enabled to accept payments through the Gateway. This is done by requiring the merchant to complete a Merchant Information form. This form will include the merchant’s company details, contact information, merchant bank account information, any optional services the merchant may choose to use and other technical details. Some acquirers and PSPs may also require merchants to complete more detailed information about their business, risk management, customer fulfilment and fraud management processes and systems. As part of the Merchant Information gathering process, the acquirer or PSP will provide the merchant with a merchant ID, transaction limits, settlement period, test and production system parameters, login information to the merchant admin portal, and pricing including transaction and service fees. Merchant Account The merchant account is where settlement takes place. Once the funds have cleared in the Gateway, they are then settled into the merchant account at the next settlement date. Merchant ID A merchant ID is provided by the Gateway and uniquely identifies the merchant to the Gateway. The merchant ID is required when using the Gateway API calls and the Gateway merchant admin system (as described in the Product Services Guide). | 
