Two Types of Organizations
Merchants
Sell services through Paygentic. They create products, define pricing, manage customer relationships, and receive payments.Consumers
Buy services from merchants. They hold accounts for payments and subscriptions to merchant offerings. The same entity can be both - selling their own services while purchasing from others.Managed Customers
Merchants often handle billing without requiring customers to interact with Paygentic directly. This is done through managed consumer organizations. When you create a customer through the API, Paygentic automatically:- Creates a consumer organization
- Links it to your merchant organization
- Isolates their account funds to your relationship
- Provides limited portal access for viewing usage
Users vs Organizations
Organizations own. Users do. Users are individuals who perform actions - creating products, viewing analytics, managing billing. Each user belongs to one or more organizations and inherits specific permissions within each.Permission Boundaries
Every action requires two validations:- Does the user belong to the organization?
- Does the user have permission for this action?
Platform Operations
A special platform organization exists for system-level operations. This handles:- Cross-merchant settlements
- Platform fee collection
- System maintenance tasks
- Compliance operations
Identity Federation
Organizations can connect external identity providers. This enables:- Single sign-on for team members
- Automated provisioning/deprovisioning
- Centralized permission management
- Audit trail compliance
Data Isolation
Each organization’s data is cryptographically isolated. Even within shared infrastructure:- Queries are scoped to organization context
- Cross-organization access is impossible
- Backups maintain isolation boundaries
- Deletion is complete and irreversible
Next Steps
- Accounts - Manage payment instruments
- Products - Create your offerings
- Customer Lifecycle - Onboard customers