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

# Merchant Account Settings and Team Management

> Manage your Hello Clever account security with 2FA, invite and manage team members with role-based access, and maintain your API keys and profile settings.

Your Hello Clever account settings let you control who has access to your Merchant Portal, how that access is secured, and how your profile and API credentials are maintained. This page covers the Owner and Member roles, how to invite team members, and how to set up two-factor authentication (2FA) to protect your account.

<Note>
  Some account settings are fixed at onboarding. In particular, your Clever Connect **balance model** (Aggregated or Dedicated) is chosen once during onboarding and cannot be changed after your account is activated. Confirm the right model before activation: see [managing balances and accounts](/portal/balances#your-balance-model).
</Note>

## Roles and permissions

When you create a Hello Clever account, you are assigned the **Owner** role automatically.

| Role       | Access level                                                                                                                                   |
| ---------- | ---------------------------------------------------------------------------------------------------------------------------------------------- |
| **Owner**  | Full permissions across all account features, including funds, API keys, settings, team management, and the ability to invite or change roles. |
| **Member** | Standard access to the portal. Cannot access sensitive areas such as funds and API keys.                                                       |

<Note>
  Ownership transfer is not self-service. If you need to transfer the Owner role to another team member, contact Hello Clever Support.
</Note>

## Inviting users

<Steps>
  <Step title="Go to the Users page">
    Open your profile menu and select **Users** under the **Account** section.
  </Step>

  <Step title="Click + Invite">
    Click the **+ Invite** button.
  </Step>

  <Step title="Fill in their details">
    Enter the new member’s **Name** and **Email Address**, and select their role.
  </Step>

  <Step title="Send the invitation">
    Click **Invite User** to send. The invitee receives an email with a link to join your account. Their status shows as **Invited** until they accept.
  </Step>
</Steps>

## Setting up two-factor authentication (2FA)

Two-factor authentication requires a second verification step (beyond your password) each time you log in from an unfamiliar device. Hello Clever strongly recommends enabling 2FA on every account.

### Setup steps

<Steps>
  <Step title="Open Account and Security">
    Click your profile icon in the upper-right corner of the portal, then select **Account & Security** from the dropdown.
  </Step>

  <Step title="Start 2FA setup">
    Locate the **Two-factor authentication** section and click **Set up**.
  </Step>

  <Step title="Choose your method">
    Select one of the two available options and click **Next**:

    <Tabs>
      <Tab title="Google Authenticator (recommended)">
        1. Download the **Google Authenticator** app from the App Store or Google Play if you do not already have it.
        2. Scan the **QR code** displayed on screen with the app.
        3. Enter the **6-digit code** generated by the app into Hello Clever and click **Next**.
      </Tab>

      <Tab title="SMS">
        1. Choose an existing phone number or add a new one.
        2. Enter the **6-digit confirmation code** sent to that number.
        3. Click **Next** to complete setup.
      </Tab>
    </Tabs>
  </Step>

  <Step title="Confirm activation">
    Once you enter the correct code, 2FA is active on your account. From this point, every login from a new device will require a 2FA code.
  </Step>
</Steps>

<Tip>
  Set up 2FA immediately after creating your account. It significantly reduces the risk of unauthorized access, even if your password is exposed.
</Tip>

### Managing your 2FA settings

Return to **Account & Security** at any time to:

* Switch between Google Authenticator and SMS.
* Update the phone number used for SMS codes.

### Troubleshooting 2FA

If you run into issues during setup or get locked out, contact **Hello Clever Support**. The support team can assist with 2FA recovery.

## Profile and account settings

Access the following options from the profile icon menu in the upper-right corner:

| Option                 | Description                                                                    |
| ---------------------- | ------------------------------------------------------------------------------ |
| **User Profile**       | View and edit your personal details associated with your Hello Clever account. |
| **Account & Security** | Manage 2FA settings, timezone preferences, and security options.               |
| **Change Password**    | Update your password. Regular password changes help maintain account security. |
| **Log Out**            | End your current session securely.                                             |

## API keys

API keys are accessible to **Owner** accounts only. Members cannot view or manage API keys.

Clever Connect integrations use two credentials:

* **`app-id`**: your store’s App ID, found in the admin portal under **Merchants → Merchant Stores**. Copy the App ID for the store you are working with.
* **`secret-key`**: found in the merchant dashboard under **Authentication → Auth 2.0**. Use the **Primary secret key** and copy it with the copy icon.

<Warning>
  Treat API keys as sensitive credentials. Keep your `secret-key` secret: never commit it to shared documents or code. If you suspect a key has been compromised, regenerate it from the Authentication section and notify your development team.
</Warning>


## Related topics

- [Balance Management Guide](/platform-overview/clever-concepts/balance-management-guide.md)
- [Merchant Portal Overview](/portal/overview.md)
- [Managing Balances and Accounts](/portal/balances.md)