> ## 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.

**1. Authenticate as a partner**

Create an API client and use the credentials to [create an access token](/partners/authenticate/aid_auths_oauth_token_post.md).

**2. Obtain an exchange token**

Use the `access_token` from step 1 to request an [exchange token](/partners/authenticate/aid_auths_oauth_exchange_token_post.md).

```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": "..."
}
```

**3. 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.md).

```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": "..."
}
```

**4. 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.md) for all response fields.


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