{"id":16644,"date":"2026-01-27T19:06:30","date_gmt":"2026-01-27T18:06:30","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/centralpay\/centralpay-glossary\/"},"modified":"2026-09-02T16:18:49","modified_gmt":"2026-09-02T14:18:49","slug":"centralpay-glossary","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/","title":{"rendered":"CentralPay Glossary"},"content":{"rendered":"\n

1. Types of Actors<\/h2>\n\n
Label<\/th>Description<\/th><\/tr><\/thead>
Actor<\/td>Any entity identified on the CentralPay platform. This may be a Merchant Profile, a Point of Sale (POS), a third-party establishment, or CentralPay. <\/td><\/tr>
Merchant Profile<\/a><\/td>The Merchant Profile technically and operationally represents a merchant on the CentralPay platform. It serves as the basis for: \u2022 His accounts:<\/strong> Payment Accounts or Electronic Money Accounts;\u2022 Administration:<\/strong> API access, User Profiles, available services;\u2022 Its technical configuration:<\/strong> webhooks, notifications, Point of Sale (POS) systems, acceptance rules, Bank Accounts;\u2022 Its regulatory documentation:<\/strong> KYC\/KYB, AML\/CFT, risk scoring, contract management, fee schedule…The Merchant Profile corresponds to the API object ` Merchant<\/code> ` and is created automatically after the registration is validated (via the API object ` Merchant-Enrollment<\/code>`).<\/td><\/tr>
Standard Merchant<\/a><\/td>A legal entity or sole proprietorship that is a CentralPay customer and processes payments on its own account when selling goods or services.May be functionally linked<\/em> to a Technical Partner or Integration Partner.Has a Merchant Profile of the type STANDARD<\/code>.<\/td><\/tr>
Partner Merchant<\/a><\/td>A legal entity that is a CentralPay customer, has a Merchant Profile, and may fall under one of the following models:\u2022 Technical Partner:<\/strong> operates a shared solution (e.g., marketplace, SaaS platform) and has one or more Points of Sale (POS) open in its name, to which standard Merchants can be linked.Has a Merchant Profile of type TECHNIQUE<\/code>.\u2022 Integration Partner:<\/strong> provides technical support, via access delegated by standard merchants, to facilitate integration and day-to-day operations (without sharing POSes under the partner\u2019s name).Has a Merchant Profile of the type INTEGRATEUR<\/code> (if applicable).A Partner Merchant may earn commissions (depending on the model) and\/or be registered as a MOBSP to assist merchants during onboarding.<\/td><\/tr>
Intermediary Merchant<\/a><\/td>A legal entity that is a customer of CentralPay, acting on behalf of third-party accounts, under one of the following regulatory statuses<\/strong>:\u2022 PSP Agent:<\/strong> A Payment Service Provider (PSP) agent of CentralPay, registered<\/strong> with the ACPR (Bank of France) and authorized to act in the name and on behalf of CentralPay within a contractually defined scope (e.g., debit\/credit transactions and transfers on behalf of third-party accounts).Has a Merchant Profile of the type AGENT<\/code>.\u2022 EMD:<\/strong> Electronic Money Distributor registered\/declared<\/strong> by CentralPay with the ACPR (Bank of France) for a project involving the issuance, distribution, and exchange of electronic money (CUSTOM currencies).Has a Merchant Profile of type DME<\/code>.<\/td><\/tr>
Sub-merchant \/ Participant<\/td>A legal entity or individual who is a customer of a CentralPay Intermediary Merchant<\/strong> (PSP Agent or EMD).\u2022 Sub-merchant:<\/strong> acts to sell products or services, for an LMNP business, \u2022 Participant:<\/strong> acts for non-commercial purposes (crowdfunding, personal wallet, collective projects, etc.).Has a specific Merchant Profile BASIC<\/code>, with a limited scope of functionality.<\/td><\/tr>
Customer<\/td>A natural or legal person who pays or issues a payment order to a CentralPay Merchant (may also be referred to as the payee, payer, or debtor).May or may not have a Customer Profile (Customer<\/code>).Note<\/strong>: In CentralPay\u2019s regulatory or contractual documents, the term \u201cCustomer\u201d may refer to the Merchant itself, depending on the context defined in the document.<\/td><\/tr>
Customer Profile<\/a><\/td>Represents a customer registered by a Merchant on the CentralPay platform. It contains:\u2022 the customer\u2019s personal information:<\/strong> last name, first name, email, phone number, company name, etc.\u2022 the customer\u2019s payment methods:<\/strong> cards, SEPA direct debits, IBAN, Bank Accounts, etc.\u2022 the customer\u2019s activities:<\/strong> payment requests, payment history, etc..The Customer Profile corresponds to the API object Customer<\/code>.<\/td><\/tr>
BO User Profiles<\/a><\/td>Individuals with access to the CentralPay Merchant Portal to view or manage one or more Merchant Profiles.\u2022 Type<\/strong> Legal<\/code>: the Merchant\u2019s legal representative.\u2022 Type<\/strong> Natural<\/code>: other authorized user (finance, support, development, etc.).The BO User Profile corresponds to the API entity BO_user<\/code>.<\/td><\/tr>
API User Profiles<\/a><\/td>An entity created via the CentralPay platform that identifies the user (person or system) making API calls on a Merchant Profile.Enables the tracking of actions and the management of authorizations.The API User Profile corresponds to the API entity api_user<\/code>.<\/td><\/tr>
Point of Sale (POS)<\/a><\/td>Representation of a website, a brick-and-mortar store, or a sales team. They enable the segmentation of CentralPay Merchant Profile operations for the following purposes: \u2022 Features: <\/strong> to configure different settings for each Point of Sale (POS) (customer notifications, internal notifications, sender name for confirmation emails, logo displayed on the checkout page, etc.)\u2022 Administrative: <\/strong> to restrict the rights to view or edit your BO User Profiles to certain Points of Sale (POS)\u2022 Accountants<\/strong>: to filter transactions by Point of Sale (POS) in the Merchant Portal or in data exportsThe Point of Sale (POS) corresponds to the API object PointOfSale<\/code>.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

2. Types of Accounts<\/h2>\n\n
Label<\/th>Description<\/th><\/tr><\/thead>
Payment Account<\/a><\/td>An account opened in CentralPay’s books in a Merchant’s name. This account is used exclusively for payment transactions (collecting payments in ISO currencies, performing Payouts to a Bank Account, etc.). It is represented by the ` Wallet<\/code> ` object of type ` PS<\/code> ` in the CentralPay API.<\/td><\/tr>
Electronic Money Account<\/a><\/td>An account opened in CentralPay’s books in the name of a Merchant. This account is used exclusively for the storage and exchange of Electronic money within the distributor’s network (CUSTOM currencies). It is represented by the ` Wallet<\/code> ` object of type ` EM<\/code> ` in the CentralPay API.<\/td><\/tr>
Commission Account<\/td>A secondary Payment Account used to segregate commission flows and\/or certain fee deductions (depending on the model).Under the Partner\/Agent models, this account can receive commissions allocated to transactions by affiliated\/participating merchants, in accordance with the applicable contractual rules.It is represented by the object ` Wallet<\/code> ` of type ` CM<\/code> ` in the CentralPay API.<\/td><\/tr>
Reserve Account<\/td>A secondary Payment Account used to set aside CentralPay reserve funds (account balance, collateral, or Rolling reserve). It is not authorized to make Payouts. It is represented by the ` Wallet<\/code> ` object of type ` RS<\/code> ` in the CentralPay API.<\/td><\/tr>
“Agent” Collection Account<\/td>A Payment Account opened in CentralPay\u2019s books in the name of an Agent. It is used to receive funds related to transactions initiated through the Agent model, prior to their allocation or transfer to the Payment Accounts of Participant Merchants. It is not authorized to make payouts. It is represented by the ` Wallet<\/code> ` object of type ` CL<\/code> ` in the CentralPay API.<\/td><\/tr>
CentralPay Technical Partner Account<\/td>The Technical Partner Account refers to an internal, temporary mechanism used by CentralPay to receive, identify, and temporarily process funds related to a payment transaction, with a view to transferring them to the final Beneficiary. It is not a Payment Account opened for a customer, is not made available to any third party, and does not confer any right of disposal. Depending on the technical implementation, this mechanism may be implemented using internal objects (e.g., Wallet<\/code> of type TR<\/code>) used exclusively by CentralPay for operational processing.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

3. The names of objects or operations<\/h2>\n\n
Label<\/th>Description<\/th><\/tr><\/thead>
CentralPay Fees<\/td>All fees owed to CentralPay, deducted from the corresponding transactions, debited from a dedicated Commission Account, or billed at the end of the month (depending on the applicable contractual terms).<\/td><\/tr>
ISO Currencies<\/td>Standard currencies in accordance with ISO 4217 (e.g., EUR, USD, CHF, GBP…)<\/td><\/tr>
CUSTOM Currency<\/td>Electronic money created for a CentralPay EMD. The value of the CUSTOM currency is always pegged to that of an ISO currency (e.g., EUR). <\/td><\/tr>
Technical Instruction<\/td>Data or events for strictly technical and commercial purposes transmitted to CentralPay (e.g., order references, shopping cart, commission, logistics events). A Technical Instruction is not<\/strong> a payment order and does not trigger any automatic financial action<\/strong>: CentralPay retains sole discretion over the processing and, where applicable, the release of funds. <\/td><\/tr>
Release date<\/td>A deferred availability date that CentralPay may apply to make funds available to a Beneficiary (e.g., after delivery\/shipment), in accordance with applicable risk policies and rules. It may be determined based on submitted commercial information, without constituting a payment instruction. <\/td><\/tr>
Bank Account<\/td>External Bank Account linked to: \u2022 a Merchant Profile for <\/strong>making outgoing Payouts (payout<\/code>) \u2022 or a Customer Profile<\/strong> for making SEPA Direct Debits or outgoing Payouts.It is represented by the ` BankAccount<\/code> ` object in the CentralPay API.<\/td><\/tr>
Outgoing payment<\/a><\/td>Outgoing bank transfer from a CentralPay account to an external Bank Account. Can be made via SEPA or SWIFT.It is represented by the ” Payout<\/code> ” object in the CentralPay API. <\/td><\/tr>
Card Authorization<\/a><\/td>An operation to check the availability of funds on a credit card, followed by a hold in anticipation of a Card Transaction (max. 7 days).It is represented by the ` Transaction<\/code> ` object in the CentralPay API.<\/td><\/tr>
Card Transaction<\/a><\/td>A debit transaction from a bank card, credited to a CentralPay account.It is represented by the ` Transaction<\/code> ` object in the CentralPay API.<\/td><\/tr>
SCT Transaction<\/a><\/td>Operation to receive a SEPA or SWIFT bank transfer credited to a CentralPay account.It is represented by the ” sctTransaction<\/code> ” object in the CentralPay API.<\/td><\/tr>
SDD Transaction<\/a><\/td>A transaction that debits a Bank Account and credits a CentralPay account.It is represented by the ` sddTransaction<\/code> ` object in the CentralPay API.<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

1. Types of Actors Label Description Actor Any entity identified on the CentralPay platform. This may be a Merchant Profile, a Point of Sale (POS), a third-party establishment, or CentralPay. Merchant Profile The Merchant Profile technically and operationally represents a merchant on the CentralPay platform. It serves as the basis for: \u2022 His accounts: Payment […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":16631,"menu_order":5,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-16644","docs","type-docs","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"\nCentralPay Glossary - CentralPay Documentation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CentralPay Glossary - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"1. Types of Actors Label Description Actor Any entity identified on the CentralPay platform. This may be a Merchant Profile, a Point of Sale (POS), a third-party establishment, or CentralPay. Merchant Profile The Merchant Profile technically and operationally represents a merchant on the CentralPay platform. It serves as the basis for: \u2022 His accounts: Payment […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/\" \/>\n<meta property=\"og:site_name\" content=\"CentralPay Documentation\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-02T14:18:49+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/documentation\\\/general-information\\\/centralpay\\\/centralpay-glossary\\\/\",\"url\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/documentation\\\/general-information\\\/centralpay\\\/centralpay-glossary\\\/\",\"name\":\"CentralPay Glossary - CentralPay Documentation\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/#website\"},\"datePublished\":\"2026-01-27T18:06:30+00:00\",\"dateModified\":\"2026-09-02T14:18:49+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/documentation\\\/general-information\\\/centralpay\\\/centralpay-glossary\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/documentation\\\/general-information\\\/centralpay\\\/centralpay-glossary\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/documentation\\\/general-information\\\/centralpay\\\/centralpay-glossary\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"General information\",\"item\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/documentation\\\/general-information\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"CentralPay\",\"item\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/documentation\\\/general-information\\\/centralpay\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"CentralPay Glossary\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/\",\"name\":\"CentralPay Documentation\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/#organization\",\"name\":\"CentralPay Documentation\",\"url\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/docs.centralpay.com\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/logo-centralpay-2023.png\",\"contentUrl\":\"https:\\\/\\\/docs.centralpay.com\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/logo-centralpay-2023.png\",\"width\":2382,\"height\":370,\"caption\":\"CentralPay Documentation\"},\"image\":{\"@id\":\"https:\\\/\\\/docs.centralpay.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"CentralPay Glossary - CentralPay Documentation","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/","og_locale":"en_US","og_type":"article","og_title":"CentralPay Glossary - CentralPay Documentation","og_description":"1. Types of Actors Label Description Actor Any entity identified on the CentralPay platform. This may be a Merchant Profile, a Point of Sale (POS), a third-party establishment, or CentralPay. Merchant Profile The Merchant Profile technically and operationally represents a merchant on the CentralPay platform. It serves as the basis for: \u2022 His accounts: Payment […]","og_url":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/","og_site_name":"CentralPay Documentation","article_modified_time":"2026-09-02T14:18:49+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/","url":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/","name":"CentralPay Glossary - CentralPay Documentation","isPartOf":{"@id":"https:\/\/docs.centralpay.com\/en\/#website"},"datePublished":"2026-01-27T18:06:30+00:00","dateModified":"2026-09-02T14:18:49+00:00","breadcrumb":{"@id":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/centralpay-glossary\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/docs.centralpay.com\/en\/home\/"},{"@type":"ListItem","position":2,"name":"General information","item":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/"},{"@type":"ListItem","position":3,"name":"CentralPay","item":"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/centralpay\/"},{"@type":"ListItem","position":4,"name":"CentralPay Glossary"}]},{"@type":"WebSite","@id":"https:\/\/docs.centralpay.com\/en\/#website","url":"https:\/\/docs.centralpay.com\/en\/","name":"CentralPay Documentation","description":"","publisher":{"@id":"https:\/\/docs.centralpay.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/docs.centralpay.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/docs.centralpay.com\/en\/#organization","name":"CentralPay Documentation","url":"https:\/\/docs.centralpay.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/docs.centralpay.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/logo-centralpay-2023.png","contentUrl":"https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/logo-centralpay-2023.png","width":2382,"height":370,"caption":"CentralPay Documentation"},"image":{"@id":"https:\/\/docs.centralpay.com\/en\/#\/schema\/logo\/image\/"}}]}},"author_avatar":"https:\/\/secure.gravatar.com\/avatar\/f26ba73d1afc0520e4b1044ff088c0eda58eeaf8c325f16e76f4f944099091cc?s=96&d=mm&r=g","author_name":"Victor","_links":{"self":[{"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/docs\/16644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/comments?post=16644"}],"version-history":[{"count":1,"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/docs\/16644\/revisions"}],"predecessor-version":[{"id":16645,"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/docs\/16644\/revisions\/16645"}],"up":[{"embeddable":true,"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/docs\/16631"}],"wp:attachment":[{"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/media?parent=16644"}],"wp:term":[{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/doc_tag?post=16644"},{"taxonomy":"doc_badge","embeddable":true,"href":"https:\/\/docs.centralpay.com\/en\/wp-json\/wp\/v2\/doc_badge?post=16644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}