User Management

• When a merchant account is created in Beqelal, the system automatically creates one user with the MANAGER role by default.
• This MANAGER user is the primary account owner and has full control over configuration, integrations, and user management.
• After logging in, the MANAGER is responsible for creating and managing additional operational users, including MAKER and CHECKER roles.

Purpose: Primary administrator of the merchant account with full operational, configuration, and security control.

Creation: ✔ Automatically created by the system when the merchant account is created.

Capabilities:

• Full visibility of:
  • Transactions
  • Payouts
  • Pending transactions
  • Statements, mini-statements, and settlements
• Configuration & integrations:
  • Payment channels
  • Checkout pages, payment links, and QR codes
  • API keys
  • IP whitelist
  • Webhook settings
• Account & user management:
  • Create and manage operators (MAKER, CHECKER)
  • Manage linked accounts
• Compliance & financial setup:
  • KYC management
  • Fee policy configuration
  • Settlement configuration
• Special actions:
  • Create client
  • Reset PIN
  • Configure settlement settings

Allowed Actions:

• createclient
• resetpin
• settlementsettings

Purpose: Operational user responsible for initiating transactions and managing their own activity.

Creation: ➜ Created by the MANAGER after merchant onboarding.

Capabilities:

• Initiate:
  • Internal transfers
  • Payouts
• View:
  • Transactions
  • Payouts
  • Pending items
  • Statements
  • Mini-statement
  • Settlement
• Manage own pending operations:
  • Cancel pending transactions

Allowed Actions:

• cancelpending

Purpose: Control and risk-management role responsible for reviewing and authorizing Maker-initiated transactions.

Creation: ➜ Created by the MANAGER after merchant onboarding.

Capabilities:

• View:
  • Transactions
  • Payouts
  • Pending items
  • Statements
  • Mini-statement
  • Settlement
• Review pending transactions:
  • Authorize
  • Reject

Allowed Actions:

• authorizepending
• rejectpending

1. Merchant account is created
2. System auto-creates a MANAGER user
3. MANAGER logs in and completes setup
4. MANAGER creates MAKER and CHECKER users
5. Operational workflow begins
6. MAKER initiates transactions
7. CHECKER approves or rejects
8. MANAGER oversees configuration and control