The available user roles on MoneyMoov are as follows:

User - User accounts with this role have access to all actions on an account or merchant that don't require strong customer authentication. For example - Payouts require strong customer authentication.
Approver - User accounts with this role have the same access as the "User" role plus the additional actions that require strong customer authentication. For example - They can approve Payouts which require strong customer authentication.
AdminApprover - User accounts with this role have the same access as the "Approver" role plus the additional admin actions such as assigning or modifying user roles.
PaymentRequestor - User accounts in this role only have permission to use the payment requests to facilitate the receiving of payments.
NewlyRegistered - For new users that were invited to a merchant and accepted. It's then up to the inviter to set the required role they wish them to have. This role has no permissions.

Here's a detailed role-permission breakdown:

	Newly Registered	Payment Requestor	User	Approver	Admin Approver
Payment requests
View	✗	✓	✓	✓	✓
View metrics	✗	✓	✓	✓	✓
Create	✗	🔒	✓	✓	✓
Delete	✗	🔒	✓	✓	✓
Transactions
View	✗	✗	✓	✓	✓
Generate statements	✗	✗	✓	✓	✓
API Tokens
View	✗	✗	✓	✓	✓
Create	✗	✗	✓	✓	✓
Beneficiaries
View	✗	✗	✓	✓	✓
Create	✗	✗	✓	✓	✓
Notifications
Create	✗	✗	✓	✓	✓
Delete	✗	✗	✓	✓	✓
Open banking - Accounts
View	✗	✗	✓	✓	✓
Open banking - Transactions
View	✗	✗	✓	✓	✓
Open banking - Consents
View	✗	✗	✓	✓	✓
Create	✗	✗	✓	✓	✓
Delete	✗	✗	✓	✓	✓
Tokenised cards
View	✗	✗	✓	✓	✓
Delete	✗	✗	✓	✓	✓
Xero
Xero integration	✗	✗	✓	✓	✓
Bookkeeping
Bookkeeping	✗	✗	✓	✓	✓
Accounts
View	✗	✗	✓	✓	✓
Create	✗	✗	✗	✓	✓
Rules
View	✗	✗	✓	✓	✓
Approve	✗	✗	✗	✓	✓
Create	✗	✗	🔒	✓	✓
Edit	✗	✗	🔒	✓	✓
Delete	✗	✗	🔒	✓	✓
Payouts
View all	✗	✗	✓	✓	✓
View individually	✗	✗	🔒	✓	✓
Create	✗	✗	🔒	✓	✓
Delete	✗	✗	🔒	✓	✓
Edit	✗	✗	✗	✓	✓
Submit	✗	✗	✗	✓	✓
Submit batch payout	✗	✗	✗	✓	✓
Users
View	✗	✗	✗	✗	✓
Assign role	✗	✗	✗	✗	✓
User roles
View	✗	✗	✗	✗	✓
Delete	✗	✗	✗	✗	✓
User invites
View	✗	✗	✗	✗	✓
Create	✗	✗	✗	✗	✓
Delete	✗	✗	✗	✗	✓

🔒 = Needs explicit merchant permission.