The shape of the product

The shape of the product An architecture diagram generated by Archify. Your checkout and back office · your systems, your references · Architecture component Your checkout and back office your systems, your references Pehmen · decides · records · instructs · Architecture component · never holds money Pehmen decides · records · instructs never holds money Stripe · HitPay · Airwallex · licensed providers · Architecture component Stripe · HitPay · Airwallex licensed providers Your money · held by the provider · Architecture component Your money held by the provider API or dashboard routing · payout instructions provider webhooks signed webhooks holds and moves never Legend Backend Database External

Three records

  • • Who is being paid: sellers, verification, tokenized destinations
  • • A decision on every movement: six words and a reason code
  • • A file when something goes wrong: cases, evidence, appeals

The boundary

  • • Money stays with the licensed provider at every phase
  • • Pehmen sends instructions after its checks pass
  • • Not a merchant of record, not a payment facilitator