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

# Overview

> Understand how your dedicated merchant accounts work and how to query them via API.

## What My Accounts are

My Accounts are exclusive accounts for the merchant registered in RalioPay. As the integrating merchant, you receive accounts to operate and manage fees, and you can run all standard RalioPay operations on them (payins, payouts, transfers).

* **Operational account**: receives funds from day-to-day activity and is used as the source/destination for movements.
* **Fees account**: accumulates the commissions generated by your merchant users' operations.

<Info>
  These accounts belong only to your merchant and are not shared with other clients. Always use your merchant credentials to query them.
</Info>

## Available endpoints

* [Get the current merchant](/api-reference/merchant-user/get-merchant-user-details): confirms that your merchant is authenticated and returns its identifier.
* [List all merchant accounts](/api-reference/merchant-user-accounts/list-merchant-user-accounts): returns your available operational and fee accounts.
* [Get a specific account](/api-reference/merchant-user-accounts/get-merchant-user-account): retrieves the details of a specific account using its `accountId`.

## How to use them

<Steps>
  <Step title="Retrieve your authenticated merchant">
    Call **Get merchant user details** to get your merchant user identifier.
  </Step>

  <Step title="Identify available accounts">
    Use **List merchant user accounts** to fetch your operational and fee accounts; note their `accountId` and associated currency.
  </Step>

  <Step title="Operate with the right account">
    Use the correct `accountId` in your payins, payouts, transfers, or any other RalioPay-supported financial operations.
  </Step>
</Steps>

<Check>
  Before you start operating, verify you retrieved the correct `accountId` (operational or fees) and the expected currency.
</Check>