FINORA Merchant

FINORA Merchant is the acquiring system: it onboards merchants and their branches, governs their terminals from a terminal management system (TMS), orchestrates each payment over the right rail (card, mobile payment, transfer or cash) and follows the money through batch, clearing, settlement and reconciliation.

Pilot Rails tested end to end in the demonstration environment, against a simulated bank; there is no real acquiring bank yet.

Language

The lessons of this system are written in Spanish and open with a notice at the top until their translation is published.

Where to start

1. What FINORA Merchant is: the parts of the system and who uses each one.
2. Intent, attempt and verdict: how a payment is modeled, and why a payment «in doubt» is never treated as declined.
3. The money flow and where the money is.
4. What really works, rail by rail: the honest status of each payment method.

Hands-on tutorials: a sale from end to end, cloud payments by API and webhooks and the FINORA Pago SDK in an Android app in 10 minutes.

Learn by role

Role	Path
Reconciliation analyst	Analista de conciliación
Merchant onboarding officer	Oficial de afiliación
Terminal administrator	Administrador de terminales
Courier	Repartidor
Home-delivery payment integrator	Cobro a domicilio y SDK de FINORA Pago

Related systems: the merchant’s site is the merchant portal, the register is FINORA Caja, the local payment agent for third-party registers is FINORA Pago and online payments go through FINORA Checkout.