Platform Concepts
Penny is made up of several connected resource domains. Start with the concepts relevant to your integration; you do not need the whole platform model before you build.
Businesses, entities, users, applications, roles and permissions.
EXPLORE →The operating boundary for card products, cards, cardholders, accounts and spend controls.
EXPLORE →Capital, control and linked accounts, and how funds move between them.
EXPLORE →Products, BINs, cardholders, cards and the accounts that fund them.
EXPLORE →Transaction state, events, ledger entries and reconciliation.
EXPLORE →Authorization rules and the resources they apply to.
EXPLORE →Resource changes, event subscriptions and delivery.
EXPLORE →Business & Access
Understand how businesses, business entities, users, applications, roles, and permissions relate to each other.
Use this model when working with:
- business structure;
- users and applications;
- roles and permissions.
Programs
Understand the operating boundary that brings a financial product’s accounts, cards, card products, funding, and spend controls together.
Use this model when working with:
- your default program;
- how programs relate to business entities;
- running more than one card or banking product.
Banking & Accounts
Understand how Penny structures your accounts and the external bank accounts you receive funds from.
Use this model when working with:
- Capital Accounts;
- Control Accounts;
- Linked Accounts;
- account ownership and funding;
- transfers between your accounts.
Issuing & Cards
Understand how card products, BINs, cardholders, cards, and the accounts that fund them connect.
Use this model when working with:
- card products;
- BINs and BIN ranges;
- cardholders;
- card issuance;
- card funding.
Transactions & Ledger
Understand how activity moves through Penny from a transaction to events and financial ledger entries.
Use this model when working with:
- transactions;
- transaction lifecycle;
- transaction events;
- ledger entries;
- reconciliation.
Explore Transactions & Ledger →
Spend Controls
Understand where Spend Controls can be applied and how they participate in transaction authorization.
Use this model when working with:
- account controls;
- card controls;
- cardholder controls;
- limits and authorization rules.
Multiple controls can apply to the same authorization. See the Spend Controls model for the supported attachment points and evaluation behavior.
Webhooks & Events
Understand how changes inside Penny are delivered to your integration.
Use this model when working with:
- webhook endpoints;
- event subscriptions;
- event delivery;
- signing and verification;
- retries and recovery.
Where to start
If you are: