Glossary
| Term | Meaning |
|---|---|
| Merchant | Your company as a Mercuryo client. merchant_reference is unique across all your shops |
| Shop | A setup inside the merchant: one type — payin or payout — and one currency. Has its own key, webhook URL and signing secret |
| Shop id | The id of the shop, an integer. Comes with the key; tells you which shop a webhook belongs to (shop_id) |
| Key | Authorization: Bearer credential of one shop: psbox_<shop_id>_<secret> for the sandbox, plive_<shop_id>_<secret> for production |
| Payin | Money from a payer to you. object: payin |
| Refund | Money back to the payer of a payin. Its own transaction: object: refund |
| Payout | Money from your shop balance to a recipient's card. object: payout |
| Transaction | Any of the three. Read with GET /v2/transactions |
| Method | How the money moves: card, Apple Pay, Google Pay, BLIK. Chosen by the create endpoint |
| Payer | The person who pays a payin: payer in the request |
| Recipient | The person who receives a payout: recipient in the request |
| Sender | The person on whose behalf you send a payout: sender in the payout request |
| Payer step | Something the payer has to do: pass 3DS or confirm in the banking app. Status requires_action, details in next_action |
| Hold | Card amount reserved but not charged. Status authorized; ends with capture or void |
| Final status | completed, failed or refunded. Never changes, except a payin completed → refunded |
| Decline | A transaction that ended failed; the reason is status_details.code. Not an HTTP error |
| Balance | Funds of a payout shop. Payouts are paid from it |
Next: Integration flow
