How Connected Accounts Work

At a high level, Connected Accounts let you represent your underlying customers within Tazapay in one of two ways:

• Sub-accounts (Each of your customer has their own account within Tazapay)
• Entities (Only you have an account within Tazapay - but pass your customer information with each transaction)

The onboarding method you use determines:

• Whether funds flow through your platform
• Who owns balances and settlements
• The level of onboarding, review, and approval required

The choice between these models depends on your platform’s licenses, compliance setup, and risk assessment, and is evaluated by Tazapay during partner onboarding.

Onboarding Models supported

Dimension	Sub-Account	Entity (Full Onboarding)	Simplified Entity
What it represents	A separate Tazapay account for your end customer	An underlying customer inside the platform’s master account	A lightweight entity inside the master account
Who owns the account	End customer	Platform (You)	Platform (You)
Fund flow	The platform (you) is not involved in the flow of funds	The platform (You) manage the flow of funds	The platform (You) manage the flow of funds
Balance ownership	Separate balance per sub-account	Single master balance	Single master balance
Onboarding type	Full onboarding only	Full onboarding	Simplified onboarding
Approval required prior to transactions	Yes, by Tazapay onboarding team	Yes, by Tazapay onboarding team	No approval required
Time to become active	SLA-based (document review)	SLA-based (document review)	Instant
Typical use cases	Marketplaces, platforms not licensed to hold funds	Licensed fintechs, wallets, neobanks	Early-stage flows, low-risk or high-scale onboarding
Upgrade path	Can be upgraded to entity (full onboarding) or entity (simplified onboarding)	Can be upgraded to entity (simplified onboarding)	N/A
White-labelled	Yes	Yes	Yes