User Access Management - Understanding the difference between a merchant-level account and an account-level account?
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02/24/2026 16:00 PM
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Introduction
Each Organization ID (formerly known as a Cybersource Merchant ID) includes two account levels that you can use to manage your business activities within Cybersource Business Center.
Overview
Organization IDs are structured with both a merchant-level account and an account-level account. Each account level serves a distinct purpose depending on how you manage transactions and administration.
Merchant-Level Account
You primarily use the merchant-level account for day-to-day business activities associated with your Organization ID, including:
- Processing transactions
- Viewing transaction history
- Running reports
Account-Level Account
The account-level account (normally appended with the _acct designation) is the parent account for the merchant-level account. This account is typically used for administrative or cross-account activities.
Some merchants use the account-level account to perform actions across multiple merchant-level accounts by using Single Sign-On (SSO). If you work with only one Organization ID, you may rarely need to access the account-level account.
Single Sign-On (SSO) Definition
Single Sign-On (SSO) in Cybersource Business Center allows merchants to link multiple Merchant IDs (MIDs) so they can access, monitor, and manage all their accounts through a single login. The merchant identifies a Parent MID and specifies which Child or Transacting MIDs should be linked under it.
Example
Organization ID: cybs001
- Merchant-level account: cybs001
- Account-level account: cybs001_acct
Additional Information
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