Account Structure

Entity hierarchy

Organisation
└── Biller (Account)
    ├── Customers
    │   ├── Payment Instruments
    │   └── Payment Plans
    └── Payment Intents

An Organisation is the top-level entity — it groups one or more billers and manages user access.

A Biller (also called an Account) is the entity that accepts payments. Each biller has its own API keys, customers, and payment configuration. Most API integrations operate at the biller level.

Biller fields

Field	Description
`name`	Display name for the biller
`email`	Contact email
`currency`	ISO 4217 currency code (e.g. `AUD`, `NZD`, `USD`)
`country`	ISO 3166-1 alpha-2 country code (e.g. `AU`, `NZ`)
`timezone`	IANA timezone string (e.g. `Australia/Sydney`)
`mode`	`sandbox` or `live`

Sandbox and live modes

Each biller has a mode: sandbox or live. A sandbox biller and a live biller are linked as a pair under the same organisation.

API keys for a sandbox biller only work in sandbox mode
Data (customers, payment intents) is not shared between modes
Switch between them using the mode toggle in the dashboard

Account states

State	Description
`pre_activation`	Account created, not yet activated for live payments
`active`	Account is operational
`suspended`	Temporarily paused — payments are rejected
`deactivated`	Permanently closed — no new payments accepted

Compliance states

Live accounts require a compliance review before processing real payments:

State	Description
`not_required`	Sandbox mode — no review needed
`pending`	Review not yet submitted
`in_review`	Review submitted, awaiting decision
`blocked`	Review cannot proceed — contact support
`approved`	Account cleared for live payments
`rejected`	Review failed — contact support

These states are internal to the review process; there is no compliance settings screen in the dashboard. While a live account is awaiting activation, its dashboard shows a Continue onboarding banner, and the onboarding application it links to shows the current review status. Once the account is active, the banner is gone.