> ## Documentation Index
> Fetch the complete documentation index at: https://test-docs.upayments.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Merchant Management

> Add merchants, connect NMI gateways, and manage sync settings

# Merchant Management

Manage your merchant accounts from the **Merchants** page.

## Adding a Merchant

The onboarding wizard walks through:

1. **Connect Gateway** — NMI credentials (Private Key, Tokenization Key, Gateway URL)
2. **Business Details** — Pre-filled from NMI profile, editable
3. **Initial Sync** — Background sync with progress tracking

## Merchant Detail

Each merchant has three tabs:

### Overview

* Revenue, transactions, customers, subscriptions stats
* Merchant information (name, legal name, email, phone, website, industry)
* Edit details button
* Recent transactions table

### Gateway & Sync

* NMI account details (keys, environment, tokenization status)
* Gateway capabilities (observed card brands from transaction data)
* Sync controls (manual sync, backfill)
* Sync settings (auto-sync, customer extraction, subscription detection)
* Sync history with pagination

### Settings

* Subscription detection configuration (sensitivity, terms, include/exclude)
* Data management options

## NMI Account Limits

| Tier    | Max NMI Accounts |
| ------- | ---------------- |
| Lite    | 1                |
| Starter | 1                |
| Growth  | 3                |
| Scale   | 5                |

Additional accounts at \$49/account/month.

## Sync Settings

Per NMI account, configure:

* **Auto-sync** — Enable/disable automatic 15-minute sync
* **Extract customers** — Create customer records from transaction emails
* **Detect subscriptions** — Auto-detect recurring patterns after each sync
* **Detection sensitivity** — Minimum matching payments (2+, 3+, etc.)
* **Include/exclude terms** — Custom description matching rules