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Understanding Your Account Structure

At Nopan, our platform is built on a flexible, three-layered account model designed to accommodate businesses of all sizes, from single entities to large, complex enterprises. Understanding this structure is key to managing your operations, compliance, and payments effectively.

The three layers are:

  1. Organization
  2. Contractual Entity
  3. Processing account

Let's explore the scope and responsibilities of each layer.

Organization​

The Organization is the highest-level entity in our system. It serves as the primary account for your entire relationship with Nopan. While you can have multiple Contractual Entities, most companies operate under a single Organization, as they operate totally independent.

The Organization level is where all primary administrative functions are managed.

Key Responsibilities
  • Authorization & Authentication: Manages top-level access control, user authentication methods, and security policies for your entire account.
  • Webhooks Configuration Set: Global webhook endpoints are configured at the Organization level, allowing you to receive notifications for events across all your contractual entities and Processing accounts.
  • Role-Based Access Control (RBAC): The Organization owner can assign roles and manage user permissions across all associated Contractual Entities and Processing accounts.

Contractual Entity​

A Contractual Entity represents a single, distinct legal entity within your Organization. It's the bridge between your overarching business structure and the individual Processing accounts that process payments. Each Contractual Entity can manage multiple Processing accounts.

The primary responsibilities at this level are to ensure legal and financial alignment for a specific business unit.

Key Responsibilities
  • Legal Compliance: Ensures that all operations under its purview comply with the local laws and regulations of the jurisdiction in which that specific legal entity operates.
  • KYB & AML Compliance: This is where you complete your "Know Your Business" (KYB) verification and where all Anti-Money Laundering (AML) compliance checks are performed and maintained.
  • Contractual Agreement: Your service agreement and commercial terms with Nopan are tied to the Contractual Entity.
  • Invoicing, Billing and Reporting: All financial reporting, billing statements and invoices from Nopan are generated at the Contractual Entity level.

Processing account​

The Processing account is the operational, low-level entity where the core payment processing happens. Each Processing account is configured to process payments using one or more specific payment methods (e.g., Blik, Bizum, Satispay, Wero, etc.).

A processing account has two different currency types:

  • The settlement currency
  • The processing currency

The processing account has a single settlement currency, while it could have one or more processing currencies, according to the payment methods configured to that processing account.

Single settlement currency per Processing account

Each Processing account is configured to operate in a single settlement currency. To operate in multiple currencies, you must set up a separate Processing account for each settlement currency.

The scope at this level is purely transactional and operational.

Key Responsibilities
  • Payment Processing: Initiates and manages payment transactions for a specific payment method or channel. For instance, you might have one Processing account to process payments with Wiro and another for handling Satispay payments.
  • Reconciliation Management: Manages the reconciliation of transactions, refunds, and chargebacks for its specific payment flow.
  • Webhook Overrides: While webhooks are set globally at the Organization level, a Processing account can override these settings with its own specific endpoints if needed.

Example Hierarchy​

Here’s how it all fits together in a practical example:

  • Organization: Global Tech Inc.
  • Contractual Entity Europe: Billing, invoicing, and reporting for A,B and C processing accounts in scope.
  • Processing account A: Payouts and processed payments in EUR for payment method Z
  • Processing account B: Payouts in USD and processed payments in EUR for payment method Y
  • Processing account C: Payouts in EUR, processed payments in PLN and EUR for W and X payment methods, respectively
  • Contractual Entity North America: Billing, invoicing, and reporting for Processing account D.
  • Processing account D: Payouts and processed payments in USD for payment method V