Paynuver System Overview


Account Holder

An Account Holder represents a real person or organization that owns or controls the Payment Accounts and Payment Vehicles. This entity contains biographical/organizational data such as FirstName/LastName, Address, and CIP data.


Automated Clearing House. Can be used to send funds to an bank account with an ACH Payment Vehicle, if the Routing Number and Account Number for that bank account are known.


Customer Identification Program. In order to comply with United States regulatory requirements, Transcard may be required to obtain identifying data to issue accounts and Cards. Speak to your Transcard Account Manager for more details about the CIP requirements for your specific program(s).


A Client record contains settings pertaining to an overall organization, such as ACH accounts and an organization's name. The Client record has one or more Products associated with it.

Client Reference ID

An organization's unique identifier for a Payment Account. Must be unique within a Product, but can be set to any desired value, such as the organization's customer ID, a claim number, etc.

DDA Number

Demand Deposit Account Number. Each Payment Account and Card in our system is assigned a unique DDA Number which can be used to sends funds to those accounts.


A Payment moves funds from a Product's Funding Payment Account. It can be set to be effective immediately or some date/time in the future.

Payment Account

A Payment Account is a container for funds assigned to an individual or an organization. A Payment Account belongs to a Product, from which it inherits many of its behavioral settings. While there are technically no architectural distinctions between Payment Accounts, Payment Accounts are referenced in one of two ways based on the role it plays:

Product's Funding Payment Account
This is a Payment Account that is created, or assigned if using a preexisting account, to a Product when the Product is created. The Product will have only one Funding Payment Account associated with it, though multiple Products can share a Funding Payment Account. Its purpose is to supply funds for the Product to generate Payments to the users' Individual Payment Accounts.
Individual Payment Account
This is a Payment Account that is linked to an Account Holder and provides access to funds for an individual. To send funds to an individual you would transfer funds from the Product's Funding Payment Account to a user's Individual Payment Account.

Payment Vehicle

A Payment Vehicle is a method of moving funds from Point A to Point B. In many cases, these funds moves will consist of moving funds from a Payment Account (Individual) to a Card, ACH, or Check Payment Vehicle. The Payment Account and Payment Vehicle must belong to the same Product and often belongs to the sameAccount Holder. Some Payment Vehicles – Cards - can move funds directly to other Payment Vehicles.

Payment Vehicle Types:
Represents a link to a Transcard issued Card which the individual/organization can load funds to through the Individual Payment Account.
Allows theAccount Holder to move funds to a physical paper check, which will be printed and mailed to the desired address.
Represents an external savings or checking account at a financial institution. TheAccount Holder will provide an ACH Routing and Account Number. Any funds moved to this vehicle will be sent to that institutional account.
MasterCard Send
Allows the Account Holder to move funds from their Payment Account directly to an external debit card (not Transcard Card).


A Product is a child of a Client. A Client may have more than one Product. The Product record holds the necessary settings to create and manage Payment Accounts and Payments. It also contains a hard link to a Transcard Card Program. Any Cards created through this Product will inherit their settings from that Transcard Card Program. Each Product is issued a single Product Funding Payment Account upon creation.

Reference ID

See Client Reference ID

User Account

An end user's authentication information (username/password/email address) for the site. A User record is attached to an Account Holder record. This allows you to scale your administration by allowing multiple users access to an account. In most cases, if you need to manipulate your customer's identifying data, that data will reside on the Account Holder record, not the User record.

Paynuver System Overview Diagram

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