---
title: "Account"
description: "Understand how merchant and user accounts are related and how permissions govern access."
image: "https://developer.sumup.com/og/index.png"
---

> Documentation Index
> Fetch the complete documentation index at: https://developer.sumup.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Account

SumUp separates business data in merchant accounts from the user accounts people use to sign in. When a user can access multiple merchant accounts, use the Account APIs to select the right merchant code and manage team permissions.

## Understand and choose an account

- [Merchants and users](/tools/account/merchants-and-users/): understand the difference between a business and the users who can access it.
- [Choose a merchant account](/tools/account/choose-merchant/): find a user's merchant accounts and select the merchant code for API requests.

## Manage member access

- [Roles and permissions](/tools/account/roles/): understand system roles, permissions, and how they relate to OAuth scopes.
- [Manage members](/tools/account/members/): invite people, assign roles, manage user logins, and remove access.

## Authorize your integration

Use an [API key](/tools/authorization/api-keys/) or [OAuth access token](/tools/authorization/oauth/) to call the account APIs. For OAuth requests, the user needs the required permissions and the token needs the endpoint's required scopes. See [permissions and OAuth scopes](/tools/account/roles/#permissions-and-oauth-scopes) for how they work together.

## Run the examples

Follow the [authorization guide](/tools/authorization/) to get credentials, and install your language's [server SDK](/tools/sdks/) if you use the SDK examples.

The examples in this section read these environment variables:

- `SUMUP_ACCESS_TOKEN`: your API key or OAuth access token.
- `SUMUP_MERCHANT_CODE`: the [merchant code](/tools/account/choose-merchant/) for requests that act on a specific account.

Source: https://developer.sumup.com/tools/account/index.mdx