Overview
The PNSL API lets a partner, called a Payment Network in PNSL, request Axiym financing for eligible payments made by its onboarded clients. When Axiym funds a payment, it creates a receivable that records the amount disbursed and the client's resulting repayment obligation.
The PNSL API coordinates financing. Your own payment system continues to own the underlying client payment and its business context.
The core resources
Client
The legal entity whose payment is being funded. A client must complete onboarding and become active before financing can be requested.
Credit account
The client's financing capacity for a currency and payment rail. Check it before asking Axiym to fund a payment.
Receivable
The financing record created for one funded payment. It carries the disbursement and repayment state you track over time.
Event
A signed notification that a client, credit account, receivable, or other relevant resource changed. Fetch the resource when current state matters.
How payment funding works
- Create an onboarding case for the client; it is submitted for review in the same operation. Compliance KYB owns document intake.
- Wait until the client is active.
- Inspect the client's credit accounts for the relevant currency and payment rail.
- Submit the client payment to be funded. Use an idempotency key and retain
both your payment identifier and Axiym's
receivableId. - Axiym returns the created receivable. Use its current state and signed events to track financing and disbursement.
- Process webhook events and fetch the receivable whenever your workflow needs authoritative current state.
- Track repayment or refund activity and reconcile it to the client, original payment, receivable, and events.
Responsibilities
| Partner / Payment Network | Axiym |
|---|---|
| Onboard clients and provide complete application data. | Perform compliance review and financial underwriting. |
| Check financing capacity before submitting a payment. | Maintain client credit accounts and financing availability. |
| Supply an accurate payment record and stable partner identifiers. | Create the receivable and disburse approved financing. |
| Process status events, repayments, refunds, and reconciliation. | Maintain the receivable and its repayment state. |
Where to go next
- Read Clients and onboarding for the ownership boundaries between the participants.
- Read The operational lifecycle for the financing and repayment stages.
- Follow Getting Started when you are ready to build the integration.