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Merchant country is the country where the acquiring entity that processes your payments is registered. It isn’t your customers’ country, and it can differ from your company’s country and from the country in your contract with FunnelFox. Apple Pay and Google Pay use it to offer local card schemes, such as Mada, Cartes Bancaires, eftpos, Interac, Elo, and JCB. It also decides whether a payment is domestic or cross-border, and affects SCA and 3DS exemptions.
FunnelFox can’t see your acquiring setup, so we can’t choose your merchant country for you. For example, a business registered in the UAE may have a US company or a contract with a US . Its merchant country is then US, not AE.

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How it works

When a checkout session is created, FunnelFox Payments sends a merchant country to Primer as order.countryCode. It picks the value in this order:
  1. The override for the customer’s country, if you set one.
  2. Otherwise, your default merchant country.
  3. If no default is set, the customer’s own country. Avoid this: it’s almost never your merchant country.
The customer’s country comes from their IP address, unless your checkout passes a country.
Merchant country applies to payments processed through Primer and to new checkout sessions. Renewals aren’t affected.

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Setup

1

Find your merchant country

Open your PSP contract and find the acquiring entity named in it. Its country of registration is your merchant country. You can also ask your PSP account manager:
If you use several PSPs, find the merchant country of each one and note which customer countries each one processes. If you split one customer country across several PSPs, check Routing scenarios first.
Your merchant country is the country of your Stripe account. Find it in the Stripe Dashboard under Account details, in the business and legal entity information. You can also ask Stripe Console: “What is my merchant country?”Use the Stripe account country even if your contract names a Stripe entity in another country. For example, a German Stripe account contracts with Stripe Payments Europe (Ireland), but its merchant country is DE, not IE.
2

Set merchant country

Go to Settings > Main in your FunnelFox Payments dashboard and enter your merchant country. Use ISO 3166-1 alpha-2 codes, for example NL.
  1. Enter your merchant country in New Value of primer_collection.default.merchant_country_code.
  2. Leave primer_collection.default.merchant_country_code_overrides as {}.
You can also send the confirmed values to your Solution Manager, and they set them for you.
3

Save

Click Save in the Unsaved changes panel on the right.

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Routing scenarios

Apple Pay and Google Pay support one merchant country per customer country. Check these scenarios if you route payments across several PSPs.