In Paygentic, the concepts of Organizations and Users are fundamental to how resources are managed and accessed. Understanding these is key to working effectively with the platform.

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Organizations

Organizations own resources within Paygentic. Every resource, whether it’s a Product, Billable Metric, Plan, Customer, or even a Wallet, belongs to an Organization at the top level. An Organization can represent a single individual (like a solopreneur) or a larger company. Crucially, Organizations can function in two primary roles:

Merchant Role

Organizations acting as Merchants sell or monetize products through Paygentic. They own and manage Products, Billable Metrics, Plans, customer relationships, and Wallets where they receive payments.Merchants have extended capabilities compared to consumers and typically need to undergo due diligence for full account activation. They can also act as consumers themselves when purchasing from other merchants on the platform.

Consumer Role

Organizations acting as Consumers purchase products from merchants on Paygentic. They own Wallets for payments and Subscriptions to merchant plans. Every merchant’s customer is represented as a consumer organization in the platform.
An Organization can potentially act as both a Merchant (selling its own product) and a Consumer (using another product built on Paygentic).

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Managed Consumers

Merchants can programmatically create and manage consumer organizations through the API, known as Managed Consumers. These are lightweight consumer accounts that merchants control, ideal for scenarios where you want to maintain the customer relationship without requiring consumers to create full Paygentic accounts. When a merchant creates a customer via API with consumer details (name, email, address), the system automatically creates a managed consumer organization. These consumers can access a limited portal to view their subscription details and usage, but cannot log directly into the platform. This approach streamlines onboarding while keeping merchants in control of the billing relationship. For more details on creating and managing these accounts, see the Customer Lifecycle guide.

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Users

While Organizations own resources, Users act on those resources. Every action performed in Paygentic, whether through the dashboard or the API, is carried out by a User. Users belong to one or more Organizations and their ability to perform actions depends on the permissions granted within each organization. For example, a user might be able to create products in one organization but only view wallet balances in another. Users authenticate through the dashboard or API keys, with each API key inheriting the user’s specific permissions.

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Resource Ownership and Access

To summarize: Resources like Products, Plans, and Wallets are always owned by an Organization, while actions on these resources are performed by Users. A user can only act on resources owned by organizations they belong to, and only when they have the necessary permissions for those specific actions. This model ensures clear separation of ownership and access control within the Paygentic ecosystem. Next, let’s dive into Wallets, the core abstraction for payments and billing.