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Documentation Index

Fetch the complete documentation index at: https://docs.paygentic.io/llms.txt

Use this file to discover all available pages before exploring further.

Accounts form the financial backbone of Paygentic’s billing infrastructure. Each organization maintains at least one account that handles fund custody, instant settlements, and payment routing.

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Architecture

Every account operates as an isolated ledger with atomic balance operations. Transactions between accounts execute synchronously, guaranteeing immediate finality without reconciliation delays. Key properties:
  • Single currency denomination (USD currently)
  • Real-time settlement between parties

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Transaction Flow

The system implements a dual-entry accounting model where every debit has a corresponding credit:
  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
This closed-loop design eliminates counterparty risk and payment latency.

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Precision Handling

Atomic unit denomination enables micropayment economics previously impossible with traditional systems. Practical implications:
  • Charge fractions of pennies for token processing
  • No rounding errors in high-volume transactions
  • Exact cost attribution for microscopic resource consumption
For example, billing $0.0000001 per database query becomes viable at scale.

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Payment Abstraction

Accounts decouple payment sources from consumption. Merchants receive funds regardless of how consumers originally paid - credit cards, ACH transfers, crypto, or corporate invoicing. This abstraction provides:
  • Geographic payment method flexibility
  • Compliance boundary isolation
  • Reduced PCI scope for merchants
  • Unified reconciliation regardless of payment type

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Balance Management

Account balances enforce hard spending limits naturally. Consumption cannot exceed available funds, preventing:
  • Debt accumulation
  • Invoice disputes
  • Collection overhead
  • Credit risk exposure
The system rejects transactions that would create negative balances, maintaining financial integrity throughout.

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Instant Settlements

Traditional billing involves days or weeks between service delivery and payment. Account-based transactions settle in milliseconds. Benefits:
  • Cash flow acceleration for merchants
  • No accounts receivable management
  • Eliminated chargeback windows for consumed services
  • Real-time revenue recognition

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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.

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Fund Withdrawal

Merchants extract accumulated account 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

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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

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Technical Integration

Accounts integrate transparently with existing billing flows. No special handling required beyond standard usage reporting. The platform manages all underlying fund movements automatically.

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Next Steps