Integration Models

ADOPAY supports one shared capability platform with two integration models.

                       ADOPAY
                          │
             ┌────────────┴────────────┐
             │                         │
       Merchant                     Partner
       Direct Integration           Partner Integration
             │                         │
             │                    ┌────┼────┐
             │                    │    │    │
             │                   M-A  M-B  M-C
             │
        Own Transactions
        Own Funds

Merchant Integration

Merchant directly integrates with ADOPAY and processes transactions for its own business.

Aspect	Owner
API Credential	Merchant
Transaction Owner	Merchant
Fund Owner	Merchant
Webhook Receiver	Merchant
Settlement Owner	Merchant

Typical onboarding:

Commercial contract
   ↓
ADOPAY back-office account setup
   ↓
Merchant receives API Credential
   ↓
Merchant calls Merchant API

Merchant API does not require a Create Merchant endpoint. Account opening is completed offline / via operations.

Partner Integration

Partner integrates with ADOPAY on behalf of multiple merchants.

Aspect	Owner
API Credential	Partner
Transaction Owner	Merchant
API Caller	Partner
Webhook Receiver	Partner
Fund Owner	Configurable by partnership model
Settlement Owner	Configurable by partnership model

Partner adds a merchant-dimension layer on top of the same transaction capabilities:

• Merchant Onboarding
• Merchant Management
• Transaction APIs scoped by merchantId

Shared transaction core

Merchant and Partner Collection / Payout / Refund capabilities should reuse one Payment / Payout service — not two separate ledgers.

Merchant API ────────┐
                     │
                     ▼
              Payment / Payout Service
                     ▲
                     │
Partner API ─────────┘