Merchant Panel Overview
The merchant panel is the management platform for merchant self-service: daily transaction queries and refunds happen here, and configuration such as API credentials, channel merchants, and the cashier can also be self-served here (the operations-side merchant workbench provides managed entries over the same data).
The login account is generated when the operator creates the merchant (the initial password is shown only once); after first login, change it promptly and consider enabling two-factor authentication (Profile → Security Settings).
Feature Sections
The merchant panel sidebar is organized into the following sections by business domain:
| Section | Features | Description |
|---|---|---|
| Dashboard | Workbench, Analytics | Transaction overview, quick entries, announcements; multi-dimensional transaction analytics |
| Merchant Center | Three groups: Basic Management / Payment Configuration / Business Configuration | The core of merchant self-service configuration |
| Transaction Orders | Payment trades, payment orders (normal / gateway), refunds, allocation, abnormal orders, fund flow, payment API logs | Daily transaction operations |
| Transfer Orders | Initiate transfer, transfer records, channel transfers | Transfer business |
| Callback Notifications | Merchant callback push, channel callback records | Callback chain self-checks |
| Development & Debugging | Payment debugging (normal / gateway), signature debugging, auth debugging | Verify the payment chain without writing code |
| Extensions | EasyPay | Compatibility-protocol access |
The three groups of Merchant Center:
- Basic Management: merchant info, merchant users (sub-accounts), store management, QR plate management, system terminals;
- Payment Configuration: channel merchants, app management (the app workbench holds payment routing / gateway payment config / cashier config / EasyPay config), WeChat apps, Douyin apps;
- Business Configuration: API Credentials (API signing and encryption keys), domain verification files.
Profile (via the avatar at the top right): basic info, change password, email binding, third-party account binding, passkeys, two-factor authentication — the same feature set as the operations side; see Profile (Admin Panel).
Common Task Entry Points
| I want to... | Where to go |
|---|---|
| Get my API credentials (private key / platform public key / communication key) | Merchant Center → Business Configuration → API Credentials |
| See today's takings | Dashboard → Workbench, or Transaction Orders → Payment Trades |
| Refund a payment | Transaction Orders → Payment Trades → Refund |
| Onboard / configure a receiving channel | Merchant Center → Payment Configuration → Channel Merchants |
| See which channel parameters I can change myself | Channel Merchants - self-service maintenance scope |
| Decide which channel a payment goes through | App Workbench → payment routing |
| Configure which pay methods the cashier shows | App Workbench → cashier config |
| Create accounts for the store manager / cashiers | Merchant Center → Basic Management → Merchant Users |
| Find out why an API call fails | Transaction Orders → Payment API Logs |
| Check whether a callback went out | Callback Notifications → Merchant Callback Push |
| See which receiving QR codes I have | Merchant Center → Basic Management → QR Plate Management |
| View transaction trends and per-provider success rates | Dashboard → Analytics |
| Try whether payments go through | Development & Debugging → Payment Debugging |
| Change my password / enable two-factor authentication | Avatar at the top right → Profile |
Relationship with the Operations Side
Many pages of the merchant panel and the operations-side merchant workbench mirror each other (channel merchants, app management, API credentials, etc.); the data is shared and changes made on either side take effect immediately. The differences:
- The merchant panel can only operate its own merchant's data — isolation is inherent;
- Platform actions such as merchant creation and merchant-level account management do not appear in the merchant panel;
- The channel merchant creation entry exists on both sides (in the merchant panel under Payment Configuration → Channel Merchants);
- A few handling actions are open to the operations side only (such as abnormal-order handling, raw channel callback payloads, and merchant enable/disable); see the corresponding pages.
Related Sections
- From Deployment to First Payment: the main track from the merchant-panel perspective (steps 7 and 8)
- Business System Integration: using the API credentials
- Business Feature Overview: detailed operations for orders, refunds, transfers, allocation, and more