Accept payments product can be used for several use cases:
- Single payments – when you have multiple customers that are performing commercial activity, to collect funds to their IBAN accounts opened in your Platform.
- Recurring payments – when you have multiple customers that are performing commercial activity, to collect subscriptions to their IBAN accounts opened in your Platform.
- Top-up payments – when you have multiple physical or business customers that wish to add money to IBAN opened in your Platform to use funds inside a Platform. These transactions are strictly non-commercial.
For all of those cases your customers should be already onboarded and have at least 1 IBAN account opened. For commercial transactions each of your customers should have a brand created. Brand represents single e-shop under 1 URL where commercial activity is performed (goods or services provided). For non-commercial transactions your customers don’t need to have a brand, in this case – it’s enough for a Platform to be onboarded as a merchant and using it’s brand ID provide top-up option.