Clients and onboarding

Every financed payment involves three participants. The partner retains its relationship with the client; Axiym onboards that client and, for PNSL, decides whether it is eligible for payment funding.

How onboarding works

Onboard a client with Axiym before requesting payment funding. You can do this in either way:

• API onboarding — start client onboarding to create and submit the case in one operation. Retrieve its review state with Get onboarding status.
• Manual onboarding — work with Axiym to complete the same review outside your integration.

Both routes result in an Axiym-issued clientId, which you use in /clients/{clientId}/... paths. Retain it alongside your own client reference.

PNSL onboarding includes KYB review and financial due diligence. A client must be active and have financing capacity before you request payment funding.

Roles and responsibilities

Partner (Payment Network)

The partner, called the Payment Network in PNSL, is the organization integrating with Axiym. It operates the payment system through which its clients originate payments and retains that client relationship.

The Payment Network:

• authenticates with Axiym and calls the API;
• submits and tracks client onboarding cases;
• checks client financing capacity;
• decides which eligible client payment to submit for funding;
• retains the original payment and partner references;
• processes signed webhook events;
• manages repayment and refund instructions; and
• reconciles Axiym resources to its own ledger and payment records.

Represented client

The represented client is the legal entity whose payment is financed and whose repayment obligation is represented by the receivable.

The client:

• provides information needed for KYB onboarding and, for PNSL, financial due diligence and underwriting;
• is identified in Axiym by clientId;
• owns the credit accounts used to determine financing capacity; and
• remains the obligor for receivables created for its funded payments.

The client does not receive separate API credentials. The Payment Network acts through /clients/{clientId} resources using its own access token.

Axiym

Axiym completes the client onboarding review, provides and records financing for eligible client payments, and keeps the resulting Axiym records.

Axiym:

• reviews client KYB information and, for PNSL, underwriting information;
• maintains client and credit-account state;
• evaluates payment-funding requests;
• creates and maintains receivables;
• disburses approved financing;
• applies repayment and refund activity; and
• emits signed events when relevant resources change.

How the roles interact

Responsibility summary

The PNSL API records the financing relationship. It does not replace the partner's payment-processing system, client relationship, or ledger.