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Merchant Trust Management

Establish and manage trust levels for merchants to unlock advanced features.

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What is Merchant Trust Management?

Trust Level Management

Establish trust relationships with merchants to enable advanced features like device lookup and recurring billing capabilities based on their reliability and compliance.

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Trust Levels

Basic

Standard payment processing features

Enhanced

Additional capabilities and higher limits

Premium

Full feature access and priority support

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How It Works

1

Merchant Assessment

Evaluate merchant business model, compliance, and reliability
2

Trust Level Assignment

Assign appropriate trust level based on assessment
3

Feature Enablement

Unlock features corresponding to trust level
4

Ongoing Monitoring

Monitor merchant performance and adjust trust as needed

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Set Merchant Trust Level

{
  "entityId": "merchant_456",
  "trusted": true,
  "trustLevel": "enhanced",
  "deviceLookupEnabled": true,
  "recurringBillingEnabled": true
}

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Trust Level Features

Standard Billing

Basic payment processing capabilities

Transaction History

Access to transaction records

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Trust Assessment Criteria

Valid business registration, compliance documentation, and operational history
Payment processing volume, success rates, and dispute resolution record
Security certifications, data protection measures, and audit results
Customer satisfaction scores, complaint resolution, and service quality

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Use Cases

Start new merchants at basic level and upgrade based on performance and compliance.
Trust level changes affect merchant capabilities immediately. Ensure merchants are notified of changes and understand the impact on their operations.

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Monitoring and Adjustment

Regularly review merchant performance and adjust trust levels accordingly. High performing merchants should be rewarded with enhanced capabilities, while problematic merchants may need restrictions.

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Next Steps

After establishing merchant trust:
  1. Billing Operations to enable payment processing
  2. Customer Decisions to manage authorization flows