> ## Documentation Index > Fetch the complete documentation index at: https://docs.getkardy.com/llms.txt > Use this file to discover all available pages before exploring further. # Accounts and access > Understand your Kardy account, who can access your organisation, and where to manage each one. **One email, one Kardy account.** You can use the same email and password for your personal wallet and your business workspace. You may need to sign in separately on each site; that does not mean you need two accounts. An **account** is your personal login. A **customer membership** connects you to a shop's loyalty programme. A **workspace** is a business you own or have been invited to manage. Joining a shop as a customer does not grant access to its workspace. ## Where should I start? | Your situation | Start here | What happens next | | ------------------------------------------- | ---------------------------------------------------------------- | ------------------------------------------------------------------------------------------------- | | New to Kardy; want memberships and rewards | [Create a consumer account](https://getkardy.com/signup) | Complete your personal details, then use your wallet or join a programme. No business is created. | | New to Kardy; want to run a programme | [Set up your business](https://merchants.getkardy.com/signup) | Create your login, then complete and submit business setup. | | Already a customer; want to run a programme | [Sign in on the merchant portal](https://merchants.getkardy.com) | Use your existing account. If you have no workspace, start business setup. | | Already own or belong to a workspace | [Sign in on the merchant portal](https://merchants.getkardy.com) | Open the workspace you have permission to access. | Creating a consumer account never creates a business. Creating a login on the merchant portal does not create the business by itself either: you still need to complete the setup form and choose **Create organization**. It also does not activate a paid subscription. If you are joining an existing team, use the invitation you received rather than creating a new organisation. Each brand has its own team permissions—being an Owner at one brand does not give you access to another. Looking for practical steps? Start with [Quick start](/guides/quick-start), or open the [Staff](/guides/staff), [Manager](/guides/manager), or [Owner](/guides/owner) guide. ## Create an account Use these steps only if you do not already have a Kardy login. Existing users should choose **Sign in**, even if they have never used the merchant portal. 1. Enter your email and choose **Continue** on step **1 / 2**. Already registered? Choose **Sign in** below the button instead. 2. Enter your full name, select your phone country, enter the national phone number, and choose and confirm a password on step **2 / 2**. 3. Satisfy the displayed password checks, then choose **Create account**. Complete email verification if requested before continuing to your destination. Phone entry accepts digits and caps the length according to the selected country's numbering plan. The server also validates the number and selected country; a full field is not necessarily a valid number. Supported types are mobile and fixed-line numbers, without extensions. This format check does **not** verify phone ownership or deliver an SMS code. Passwords are handled through the authentication service. The merchant signup preview uses your entered name and email, but it is read-only. Placeholder menu rows do not open settings, and the preview is not evidence that your account has been created. The consumer signup preview shows personal details, not a business account. Previews do not create memberships or issue wallet passes. ## “An account with this email already exists” This refers to your **login**, not whether you have a business. Choose **Sign in instead** and use the existing password. If you cannot remember it, use **Forgot your password?** Do not create a second login to work around the message. ## Asked to complete your personal details? Before using the consumer wallet or joining a programme, your saved profile needs a name and a valid phone number. If either is missing or invalid, `/onboarding` asks you to complete them. The email is taken from your signed-in account. This applies to existing accounts too, including accounts first used on the merchant portal. It does not create another login, move your memberships or set up a business. Complete profiles skip this step. See [complete your details](/customer-journey/account#complete-your-details-before-using-the-wallet). ## Account settings or Organisation settings? | Where | What you manage | Who can use it | | ----------------------------------------- | ------------------------------------------------------------------------------- | ------------------------------------------------- | | **Account settings** | Your name, contact phone, avatar, and password recovery. | Each person manages their own account. | | **Organisation settings → Team & access** | Teammate invitations, Manager and Staff roles, removal, and ownership transfer. | The organisation's Owner. | | **Organisation selector** | The brand you are currently working in. | People with access to more than one organisation. | Open **Account settings** from your account menu in the consumer or merchant portal. Your personal details are shared across your Kardy account, not copied into a separate login for every brand. Sign-in email is currently read-only. See [editing personal details](/customer-journey/account) or [recovering wallet access](/customer-journey/recover-account). ## Who can do what? See the [role comparison](/features/team-access#a-role-belongs-to-an-organisation) for Owner, Manager and Staff permissions. A customer membership grants no merchant access. **Members** lists customers; **Team & access** manages employees. ## Manage your team Create an invitation for a Manager or Staff member and share the acceptance link. Update a teammate's role or remove their access to your organisation. Verify both accounts and hand ownership to an existing teammate who accepts. Switch organisations while keeping their teams, programmes, and billing separate.