Your partner root TPA (tpa_root)          ← your KYB'd Adyen tree
  │  legal entity · account holder · settlement balance account
  │
  └── Sub-merchant (tpa_child, payfacMode: 'mor')
        ├── Adyen business line   ← the sub-merchant's MCC + storefront URL
        └── Adyen store           ← its own statementDescriptor

const partner = new Tagada(process.env.TAGADA_PARTNER_KEY!);

// 1. The sub-merchant's own CRM account (idempotent on externalRef).
const acc = await partner.partners.crm.merchants.create({
  legalName: 'Boutique Zoé',
  externalRef: 'zoe',
});

// 2. Provision the sub-merchant under your umbrella.
const sub = await partner.partners.processing.subMerchants.create({
  parentTpaId: 'tpa_your_root',       // omit to use your configured default
  accountId: acc.id,                   // required — its own acc_xxx
  legalName: 'Boutique Zoé',
  statementDescriptor: 'ZOE PARIS',    // ≤ 22 chars — what the cardholder sees
  webAddress: 'https://zoe.example',
  industryCode: '4431A',               // Adyen industry code — omit to inherit the parent's
  storePhone: '+33170700000',          // required — store contact phone (E.164)
  address: {                           // required — Adyen needs a full store address
    street: '12 rue de la Paix',
    city: 'Paris',
    postalCode: '75002',
    country: 'FR',
  },
  externalRef: 'zoe',                  // idempotency
});

// →
// {
//   object: 'tpa',
//   id: 'tpa_child',
//   accountId: 'acc_child',
//   parentTpaId: 'tpa_your_root',
//   payfacMode: 'mor',
//   status: 'active',        // ← live immediately, no provision()
//   ...
// }

// A processing key scoped to the sub-merchant.
const key = await partner.partners.processing.tpas.keys.create(sub.id);

// The charge targets the sub-merchant's CRM store. Resolve it once with a
// CRM key minted on the merchant (stores are account-scoped):
const crmKey = await partner.partners.crm.merchants.keys.create(acc.id);
const merchantClient = new Tagada(crmKey.token);
const { data: stores } = await merchantClient.stores.list();
const storeId = stores[0].id; // auto-created with the CRM merchant

// then tokenize (core-js) + payments.process({ storeId, ... }) with the
// processing key — exactly as in the Quick Start.