Payment facilitator model

The payment facilitator behind your merchant service.

Etail Depot provides merchant onboarding, payment acceptance and account support through its acquiring relationships.

The merchant service relationship

The sale and customer relationship

Merchant service and payment facilitation

The acquiring arrangement

Card network

Participation and transaction rules

Card issuer

The customer’s card account

Participant relationships, not a flow of funds. Card messages and settlement follow the applicable network rules and account agreements.

Merchant and payment facilitator: The merchant sells the product or service and handles customer communication and fulfillment. Etail provides account review, payment acceptance and operational support under the applicable agreements.
Acquiring partner and network: The acquiring arrangement connects merchant card acceptance to the card network. The network sets applicable participation and transaction rules. Responsibilities follow those rules and the parties’ agreements.
Issuer and cardholder: The issuer provides the customer’s card account and participates in authorization and disputes. Etail’s merchant service role does not make Etail the card issuer or a bank.

Joining the service: Your business is reviewed before payment acceptance is enabled. The merchant agreement defines the permitted activity, fees and other account conditions.
Accepting and managing payments: Use the methods configured for your account, track payment results and handle refunds or disputes through their appropriate processes.
Understanding deposits: Use payment and payout records to explain fees and adjustments, then reconcile the deposit to your bank statement. Capture, settlement and bank receipt remain separate events.