User Role Definitions

The following five default user roles are available for your payment gateway account. Except for Account Owner, these user roles can be customized by modifying the users permissions.


Account Owner

An Account Owner is the top level user, has irrevocable access to all features of the Merchant Interface, and manages all other user accounts. Only an Account Owner can create another Account Owner.

Account Administrator

By default, an Account Administrator has all Merchant Interface permissions except for the ability to enable or disable payment gateway services or manage Account Owner user accounts.

Transaction Manager

By default, a Transaction Manager can perform all transaction processing functions in the Merchant Interface.

Account Analyst

By default, an Account Analyst can only view and download Merchant Interface statements and reports.

Account Contact

An Account Contact does not have access to the Merchant Interface and is created solely to receive account notification e-mails.

All user roles (except for Account Contact) have the following basic, non-editable rights in the payment gateway:

User Permissions

The following table further describes the account permissions associated with each user role.

IMPORTANT: These permissions can be customized by an Account Owner or Account Administrator on a per-user basis.



Default permission; not editable

Default permission; editable

Permission not applicable to the user role




Account Owner

Account Administrator

Transaction Manager

Account Analyst

Account Contact

Transaction Processing Permissions

Create charge transactions: Ability to charge a credit card or bank account.

Create refund/void transactions: Ability to refund a credit card or bank account.

Manage existing transactions: Ability to void transactions, submit PRIOR_AUTH_CAPTURE, and accept or decline AFDS transactions.

Upload transaction batch file: Ability to upload transaction batch files.

Manage CIM profiles: Ability to add, edit and delete CIM profiles.

Manage ARB subscriptions: Ability to create, edit, upload, delete, and search Automated Recurring Billing (ARB) subscriptions.

Settings Permissions

Edit transaction format settings: Ability to edit the settings for Batch File Upload, Cut-Off Time, Time Zone, Virtual Terminal, Payment Form, Receipt Page, Email Receipts, Simple Checkout, Transaction Version, Response/Receipt URLs, Silent Post URLs, Relay Response and Direct Response. Also the ability to configure the Verified Merchant Seal.

Update transaction security settings: Ability to create the API Login ID, update the Transaction Key, enable and disable File Upload Capabilities, and configure MD5 Hash and Password-Required Mode. Also the ability to run the Merchant Interface in Test Mode.

Edit basic fraud settings: Ability to edit Card Code Verification (CCV) and Address Verification Service (AVS) settings.

Edit AFDS settings: Ability to edit the Advanced Fraud Detection Suite (AFDS) Filter settings, AFDS Customer Response, and Internet Protocol (IP) tools.

Manage mobile devices

Account Level Permissions

Update business information: Ability to edit credit card and bank account billing information and business information.

Manage account services: Ability to enable or disable products and services.

View account finances: Ability to view account Statements, Fee Definitions, and Risk Profile.

Access eCheck NOC report: Ability to view and download eCheck.Net Notices of Change (NOC) Report.

User Management Permission

Edit account users: Ability to add, edit, and delete user accounts, user permissions, and notification emails; reset passwords and unlock users.

Close account: close the payment gateway account by contacting Customer Support. To initiate the request, the user must be able to verify specific account information.