Account Hierarchy Overview

The following outlines the PCaaSA Account Hierarchy structure. These are the building blocks of the account structure for your card program.

Issuer

Issuer is the highest level of the PCaaSA Account Hierarchy. An issuer is a financial institution, also known as sponsor bank, that issues cards or other payment products to consumers and businesses of fintechs. There are certain controls set up to satisfy compliance requirements of issuer.

Fintech

As part of the PCaaSA Account Hierarchy, a Fintech is an entity or a company that markets and offers payment cards to its customers. A Fintech needs an Issuer to act as a sponsor for its program. An Issuer can act as a sponsor for multiple Fintechs.

Brand

A Fintech can have one or many ‘Brands’ associated with it which can differentiate between the programs it wants to offer. For example, a fintech may have white-labeled programs that could be branded differently with different controls and setup.

Product

A ‘Brand’ can further have one or many products that are offered. For example, a ‘Credit’ program can offer products like ‘Consumer Platinum’, ‘Consumer Platinum Rewards’, ‘Business’, ‘Corporate’ and so on. PCaaSA can have unique design and decisioning logic per Product.

Account Segment

An Account Segment is a unique value assigned to an account for segmentation purposes. For example, you might want to categorize certain accounts as VIP, or tag accounts for a specific region. An Account can only have one Account Segment value associated to it.