Onboard, manage, and settle merchants at scale
Give every merchant a best-in-class experience. The Atreasury Merchant Suite handles digital onboarding, tiered fee configuration, automated settlement disbursements, dispute resolution, and real-time merchant reporting in one platform.
Built for payment aggregators, acquiring banks, super-apps, and marketplaces managing hundreds to thousands of merchants.
Active Merchants
1,284
Pending Settlement
$2.4M
Open Disputes
23
Merchant Portfolio
ShopExpress Lagos
E-commerce · Premium
$420K/mo
Active
FoodCourt Africa
F&B · Standard
$180K/mo
Active
TechMart GH
Electronics · Premium
$290K/mo
Review
1,000+
Merchants Supported
T+1
Settlement Cycle
99.8%
Disbursement Accuracy
<24hr
Merchant Onboarding
The Merchant Journey
From onboarding to settlement — fully automated
Digital Onboarding
Merchants complete a guided digital application with document upload, KYC verification, and automated risk scoring.
Configuration
Set merchant-specific fee structures, settlement frequencies, payout accounts, and transaction limits.
Transaction Processing
Live transaction monitoring, real-time balance updates, and automated fee deduction on every payment.
Settlement & Payout
Automated settlement runs disburse net funds to merchant accounts on their configured cycle — T+0, T+1, or weekly.
Core Capabilities
Everything you need to run a merchant portfolio
Digital Merchant Onboarding
Guided onboarding flows with document collection, automated KYC checks, business verification, and risk-tiered approval workflows. Onboard a new merchant in under 24 hours.
Tiered Fee Configuration
Define complex fee structures per merchant: flat fees, percentage rates, volume-based tiers, interchange plus, blended pricing — all configurable without engineering support.
Automated Settlement & Disbursement
Schedule settlement runs daily, weekly, or on-demand. The engine calculates net settlement amounts after fees, reversals, and reserves — then disburses via your chosen payment rails.
Dispute & Chargeback Management
Centralised dispute queue with automated evidence collection, representment workflows, and chargeback liability tracking. Merchants can submit rebuttal documents via their portal.
Merchant Risk Monitoring
Continuous monitoring of transaction velocity, chargeeback ratios, and fraud indicators. Automated holds, flags, and escalations keep your portfolio risk within acceptable limits.
Reserve & Rolling Reserve Management
Define, hold, and release rolling reserves per merchant with full transparency. Track reserve balances, release schedules, and communicate reserve positions via the merchant portal.
Merchant Self-Service Portal
Give merchants the visibility they demand
Every merchant on your platform gets their own branded portal with real-time transaction data, settlement statements, dispute management, and API access — reducing your support burden dramatically.
Real-Time Transaction Feed
Merchants see every transaction as it happens, with full details on status, amount, fees, and settlement timing.
Settlement Statements
Downloadable daily and monthly settlement reports in PDF and CSV formats, reconciliation-ready.
Dispute Self-Service
Merchants can view, respond to, and submit evidence for disputes directly without calling your support team.
API & Webhook Access
Full REST API and webhook configuration for merchants who want to integrate data into their own systems.
Transaction History
Full searchable history with filters
Settlement Reports
Daily and monthly statements
Dispute Centre
Track and respond to chargebacks
API Management
Keys, webhooks, and docs
Scale your merchant network with confidence
See how the Merchant Management Suite automates onboarding, settlement, and portfolio management.