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Organizations are the foundation of Paygentic’s resource model. Everything in the system - products, metrics, plans, accounts - belongs to an organization.

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Two types of organizations

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Merchants

Sell services through Paygentic. They create products, define pricing, manage customer relationships, and receive payments.

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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.

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Managed customers

Merchants often handle billing without requiring customers to interact with Paygentic directly. You handle this through managed consumer organizations. When you create a customer through the API, Paygentic automatically:
  1. Creates a consumer organization
  2. Links it to your merchant organization
  3. Isolates their account funds to your relationship
  4. Provides limited portal access for viewing usage
The customer never needs a Paygentic login. You maintain full control while they get transparency.

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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.

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Permission boundaries

Every action requires two validations:
  1. Does the user belong to the organization?
  2. Does the user have permission for this action?
This dual-check prevents both unauthorized access and accidental modifications.

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Platform operations

A special platform organization exists for system-level operations. This handles:
  • Cross-merchant settlements
  • Platform fee collection
  • System maintenance tasks
  • Compliance operations
Regular organizations never interact with platform operations directly - it works transparently in the background.

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Next steps