A Payment Service User (PSU) represents an end-user in the Formance Connectivity system. PSUs serve as a way to associate accounts, payments, and connections with specific individuals or entities across different connector types.
PSU Properties#
| Field | Description |
|---|---|
| ID | Unique identifier for the PSU |
| Name | User's full name (encrypted at rest) |
| Contact Details | Email, phone number, locale (encrypted at rest) |
| Address | Street name, street number, city, region, postal code, country (encrypted at rest) |
| Bank Account IDs | Associated traditional bank accounts |
| Metadata | Additional custom key-value pairs |
| Created At | Timestamp of PSU creation |
All personally identifiable information (name, contact details, address) is encrypted at rest to ensure compliance with data protection regulations.
Connections#
A connection represents the link between a PSU and their bank account(s) through a provider. Key characteristics:
- Usually, a user has one connection per bank
- There can be multiple accounts in a single connection
- The same account could appear in different connections (e.g. joint accounts, guardianship)
Working with PSUs#
For a complete walkthrough of creating PSUs, establishing connections, and accessing account data, see the Open Banking Getting Started guide.