Merchant Payment Gateways

A Merchant Payment Gateway tells instellix which merchant account to use for charging in which currency.

Why gateways exist

A Merchant Payment Account (MPA) is a merchant account at a payment provider or bank. Tenants often have several MPAs for the same provider — for example different business models, countries, or bank account numbers.

Currencies make this more complex:

• Single-currency accounts (sortenrein): one account per currency (e.g. 11 currencies → 11 bank accounts / MPAs)
• Multi-currency accounts: one account that can collect in several currencies
• Mixed setups: a small number of accounts that together cover many currencies

The gateway is the routing layer for Payment Management (charging):

For this payment provider, when we charge in currency X, use MPA Y.

Without that mapping, instellix cannot decide which merchant account should collect the money.

Relationship to CPAs and Payment Intents

• A Customer Payment Account (CPA) stores the customer’s tokenized payment method references (instellix does not process or store raw card data).
• A Payment Intent charges via a CPA and resolves through the gateway to the correct MPA + currency.

Typical setup order:

1. Configure the Payment Provider (where required)
2. Create Merchant Payment Account(s)
3. Create the gateway and attach MPA(s) with the currency used for charging

Create a Merchant Payment Gateway

Go to: Configuration > Payment > Merchant Payment Gateways

1. Click Add.
2. Enter Ident and Name.
3. Select the Payment provider.
4. Click Add payment account and select the MPA and the currency for routing.
5. Repeat for further MPA / currency combinations on the same gateway.
6. Save.

Edit a Merchant Payment Gateway

Go to: Configuration > Payment > Merchant Payment Gateways → Edit

You can:

• Change the gateway name
• Add MPA + currency combinations
• Remove MPA entries (trash icon)

Save to apply, or Discard to cancel.

Removing an MPA from a gateway does not delete the MPA. An MPA that is still linked to a gateway cannot be deleted — see Merchant Payment Accounts.

Related articles

• Merchant Payment Accounts
• Customer Payment Accounts
• Payment Providers
• Payment Intents
• Payment Management