Accounts

Fund management and instant settlement

Every organization has at least one account. Accounts hold funds, settle payments instantly, and route money between customers and merchants.

Architecture

Each account is a separate ledger. Transfers between accounts happen synchronously — the balance is final as soon as the API call returns.

Key properties:

• Single currency denomination (USD currently)
• Real-time settlement between parties

Transaction flow

Every debit has a matching credit (double-entry accounting):

1. Funding — external money enters through payment processors into consumer accounts
2. Consumption — usage triggers instant transfers from consumer to merchant accounts
3. Settlement — merchants withdraw accumulated balances to external banks

Because both sides settle inside Paygentic, there’s no counterparty risk and no settlement delay.

Sub-cent precision

Balances are stored in the smallest possible unit, so you can charge fractions of a cent accurately.

Practical implications:

• Charge fractions of pennies for token processing
• No rounding errors in high-volume transactions
• Attribute cost exactly, even for tiny units of usage

For example, billing $0.0000001 per database query becomes viable at scale.

Payment methods

Accounts decouple payment sources from consumption. You receive funds regardless of how the customer originally paid — credit card, ACH, crypto, or corporate invoicing.

This gives you:

• Access to payment methods available in each region
• Compliance obligations kept isolated per account
• Reduced PCI scope
• One reconciliation flow for every payment type

Balance management

Account balances enforce hard spending limits. A customer can’t spend more than their account balance, which prevents:

• Debt accumulation
• Invoice disputes
• Collection overhead
• Credit risk exposure

Paygentic rejects any transaction that would push a balance below zero.

Instant settlements

Card and bank transfers usually take days. Account-to-account transfers settle in milliseconds.

Benefits:

• Cash flow acceleration for merchants
• No accounts receivable management
• No chargeback window on services already consumed
• Real-time revenue recognition

Multi-party transactions

Accounts support complex fund flows beyond simple bilateral transfers:

• Revenue splits — automatic distribution to multiple recipients
• Platform fees — percentage deductions during transfers
• Tax withholding — regulatory compliance deductions
• Affiliate commissions — programmatic partner payouts

Each component processes atomically within the same transaction.

Fund withdrawal

You withdraw accumulated balances through payout operations:

Prerequisites:

• Completed KYC verification
• Linked external bank account
• Minimum balance thresholds

Processing:

• Batch aggregation for efficiency
• Bank network timing dependencies (1–3 business days)
• Audit trail generation

Future enhancements

Multi-currency support — local currency accounts eliminating FX friction

Hierarchical accounts — team budgets and departmental allocations

Programmable controls — spending policies and automated rebalancing

Interest accrual — yield generation on idle balances

Technical integration

You don’t need to manage account transfers directly. Sending usage events triggers the correct fund movements automatically.

Next steps

• Pricing Overview — structure your billing model
• Usage Events — trigger account transfers