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

# Access a merchant account

> Exchange a partner exchange token for a Dintero merchant access token so you can call APIs on behalf of one of your merchants under your partner account.

To call the API on behalf of a merchant, you need to exchange your partner access token for a merchant access token.

<Steps>
  <Step title="Authenticate as a partner">
    Create an API client and use the credentials to [create an access token](/partners/authenticate/aid_auths_oauth_token_post).
  </Step>

  <Step title="Obtain an exchange token">
    Use the `access_token` from step 1 to request an [exchange token](/partners/authenticate/aid_auths_oauth_exchange_token_post).

    ```bash wrap Request theme={null}
    curl -X POST https://api.dintero.com/v1/accounts/T11200000/auth/exchange_token \
      -H "Authorization: Bearer <TOKEN>" \
      -H "Content-Type: application/json" \
      -d '{
        "account_id": "T11200001"
      }'
    ```

    ```json Response theme={null}
    {
        "access_token": "eyJhbGci...t7P4",
        "token_type": "Bearer",
        "expires_in": 14400,
        "refresh_token": "..."
    }
    ```
  </Step>

  <Step title="Exchange for a merchant access token">
    Use the `access_token` from step 2 to request a [merchant token](/partners/authenticate/aid_auths_oauth_token_post).

    ```bash wrap Request theme={null}
    curl -X POST https://api.dintero.com/v1/accounts/T11200001/auth/token \
      -H "Authorization: Bearer <TOKEN>" \
      -H "Content-Type: application/json" \
      -d '{
        "grant_type": "client_credentials",
        "audience": "https://api.dintero.com/v1/accounts/T11200000"
      }'
    ```

    ```json Response theme={null}
    {
        "access_token": "eyJhbGci...d5F1",
        "token_type": "Bearer",
        "expires_in": 14400,
        "refresh_token": "..."
    }
    ```
  </Step>

  <Step title="Verify access">
    Use the merchant access token to retrieve the account details. The response includes the optional `applicant.signup_reference` that was set during onboarding.

    ```bash wrap Request theme={null}
    curl https://api.dintero.com/v1/accounts/T11200001/management/settings \
      -H "Authorization: Bearer <TOKEN>"
    ```

    ```json Response theme={null}
    {
        "account_id": "T11200001",
        "partner_id": "T112",
        "active": true,
        "livemode": false,
        "company": {
            "business_name": "Acme Store AS",
            "organization_number": "987654321",
            "website": "https://acme-store.example.com"
        },
        "applicant": {
            "first_name": "Jane",
            "last_name": "Doe",
            "email": "jane@acme-store.example.com",
            "signup_reference": "abc-123"
        }
    }
    ```

    See the [get account settings API reference](/partners/account-settings/aid_account_aid_get) for all response fields.
  </Step>
</Steps>