Profiles

A Profile represents a unique entity—either an individual or a business—within the Paisr ecosystem. Profiles act as the root object for all operations and hold resources such as Documents, Addresses, Wallets, Access Tokens, and Webhooks. Every other action in the system is scoped to a Profile.

Members

Members are Paisr users with explicit access to a Profile. You can invite team members with predefined roles (e.g., admin, developer) to collaborate on a profile, manage resources, or build integrations securely. Access is role-based and can be updated or revoked at any time.

Owners

Beneficial Owners are individuals or entities holding at least 10% ownership in a business profile. Paisr collects owner information to fulfill compliance requirements and perform business identity verification in regulated markets.

Addresses

Addresses represent the registered physical location (residential or business) of a profile. These are required during onboarding, verification, and when interacting with financial partners or regulators.

Documents

Documents are uploaded files used to verify the identity of a profile or its associated owners. This may include government-issued IDs, proof of address, corporate registration certificates, and other compliance documents.

Access Tokens

Access Tokens are secure credentials that grant programmatic access to a profile’s API resources. Each token can be scoped with specific permissions. Tokens should be treated like passwords and rotated regularly for security.

Webhooks

Webhooks are mainly just HTTP POST requests sent to a URL you control. Use them to receive live notifications about key events happening in your Paisr profile.

Wallets

A Wallet is a financial container tied to a profile. It can hold multiple currency-specific balances, support internal transfers, and connect to external payment rails. Wallets are the foundation for storing and moving electronic money within Paisr.

Balances

A Balance (also called a Virtual Cash Account) stores the monetary value of a specific currency under a Wallet. It behaves like a simplified bank account but doesn’t offer IBANs or direct cash withdrawal. Balances can be:

Primary – used for transfers between wallets or external payouts.

Saving – used for internal transfers and currency conversions only.

Acccounts

Accounts refer to connected local bank accounts linked to a wallet. These are used to withdraw funds from your Paisr wallet to an external financial institution.

Contacts

Contacts are external or internal wallets that a profile can send money to. They represent saved counterparties for faster and verified transfers.

Payment Links are shareable URLs that allow anyone to send you money. They support custom amounts, descriptions, and can be embedded in your site, or app.

Statements

Statements provide a detailed monthly summary of activity within a wallet. They include balances, transfers, and transaction metadata for reconciliation or compliance purposes.

Transfers

Transfers are the movement of funds between wallets or between balances within the same wallet. Transfers are real-time for the most part and support peer-to-peer, payroll, and business disbursements.

Transactions

Transactions are the historical records of all monetary movements associated with a wallet. Each transaction contains detailed metadata like amount, currency, destination or source, method, and timestamps.

Customers

Customers are individuals or businesses you store within Paisr to send bills, create invoices, or assign subscriptions. Each customer record can hold contact details, shipping/billing info, and preferred payment methods.

Plans

Plans define recurring billing intervals and amounts for subscription-based services. Attach plans to customer subscriptions to automate regular invoicing or payments.

Vouchers

Vouchers are promotional discounts that can be applied to invoices. They support fixed or percentage-based reductions and can be scoped to specific timeframes.

Invoices

Invoices are structured billing documents containing line items, taxes, customer details, and due dates. They can be sent via email or paid via Hosted Checkout.

Subscriptions

Subscriptions automatically generatd invoices based on a recurring plan. They manage billing cycles, retries, and cancellations for ongoing services.

Payments

Payments refer to the act of receiving funds through any Paisr-supported method — internal wallets, cards, QR etc. Each payment generates a record tied to an invoice.

Payment Providers

Payment Providers are third-party integrations (banks, mobile money, etc.) that you can connect to Paisr. They allow you to access local rails and support unified acceptance through a single API layer.