Merchant Payment Accounts
A Merchant Payment Account (MPA) represents a merchant account at a payment provider (or bank) in a specific country and currency setup. instellix uses MPAs to route charging, refunds, settlements, and related payment operations to the correct merchant account.
MPAs are attached to a Merchant Payment Gateway. Customer Payment Accounts (CPAs) and Payment Intents ultimately resolve through that gateway to an MPA.
A tenant can have several MPAs for the same provider — for example different business models or different bank account numbers.
How currencies are set up on the banking/PSP side varies:
- Single-currency accounts (sortenrein): one account per currency (e.g. 11 currencies → 11 accounts / MPAs)
- Multi-currency accounts: one account that can collect or receive in several currencies
- Mixed setups: a small number of accounts that together cover many currencies
On each MPA you define which accepted currencies that account can handle.
Which MPA is used for charging in which currency is configured on the Merchant Payment Gateway (currency → MPA routing). That routing is relevant for Payment Management (charging), not for reporting-only settlement intake.
Create a Merchant Payment Account
Go to: Configuration > Payment > Merchant Payment Accounts
- Click Add.
- Enter Ident and Name.
- Select Country, Currency, and Payment provider.
- Optionally add further accepted currencies.
- Set Activate account if the MPA should be usable immediately.
- Save.
After creation, add the MPA to a Merchant Payment Gateway.
For multi-currency setups, prefer one clear MPA-per-currency pattern when your PSP and bank accounts are currency-separated (sortenrein). Mixing many currencies on one MPA is only useful when that matches how the provider account is actually set up.
Edit a Merchant Payment Account
Go to: Configuration > Payment > Merchant Payment Accounts
- Open Edit from the overview, or open Details and then Edit.
You can:
- Activate / deactivate the account
- Add or remove accepted currencies
You cannot change the core account fields (ident, country, payment provider, and other essential attributes) after creation. To change those, create a new MPA and deactivate the old one.
Delete a Merchant Payment Account
From the MPA overview, use Delete on the account.
Constraint: An MPA that is still linked to a Merchant Payment Gateway cannot be deleted — only deactivated.
To delete it:
- Remove the MPA from the gateway.
- Delete the MPA.
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Updated 21 days ago