--- updatedAt: 2026-02-20T15:44:20.000Z agentTools: projectIndex: https://docs.skipify.com/llms.txt --- # Merchant Accounts # Merchant Account Types and Hierarchy Skipify recognizes two types of merchants, *stand-alone* and *parent*. Underneath parent merchants there are child merchants. If you are unsure of which configuration you need, please ask your implementation manager. The **stand-alone** merchant type is for merchants who have only one set of configurations and payment gateway credentials. The **parent merchant** set-up type is typically for Independent Software Vendors (ISVs) and platforms that manage multiple E-commerce businesses. Parent merchants can contain any number of **child merchants**. * As a parent merchant user, when you sign in to the Skipify merchant portal, you will have elevated privileges to manage any merchant that belongs to your parent merchant account. * Any configurations (except payment processing credentials) set on the parent merchant will be inherited by all child merchants unless a configuration has been explicitly set on the child. #### # Onboarding Merchant Accounts Skipify will create your stand-alone or parent merchant account. The [merchant portal](https://docs.skipify.com/docs/merchant-portal#/) or [Onboarding APIs](https://docs.skipify.com/docs/merchant-onboarding#/) are available to create new child merchants and manage merchant configurations. Check out the [onboarding docs](https://docs.skipify.com/docs/merchant-onboarding) for more details. # Merchant Account Configurations Configurations can be set: * in the [merchant portal](https://docs.skipify.com/docs/merchant-portal) * during time of merchant account onboarding via `POST /merchants` and related `POST /configs`, `POST /merchant-external-credentials` APIs Note that [Button cobranding configurations](https://docs.skipify.com/docs/skipify-sdk#button-cobranding-configurations-optional) is set via the Checkout SDK integration.