The Fleet Account & JIT Funding

Understand how your central Partner Fleet Account powers all your B2B operations through a Just-In-Time (JIT) funding model.

The Fleet Account: Your Financial Core

The Partner Fleet Account is the central pillar of your B2B integration with CashPay. It's a multi-currency digital wallet that acts as the single source of truth and funding for all your operations. Instead of managing dozens of smaller balances for each card or service, you only need to ensure this one account is sufficiently funded.

This model offers maximum flexibility and control over your capital. Funds are only debited from or credited to this central account at the exact moment a transaction occurs, which is why we call it **Just-In-Time (JIT) Funding**.

Your Primary Responsibility

Your main operational task is to ensure your Partner Fleet Account has sufficient funds to cover your activities. You can monitor your balance in real-time via the Account API or your developer dashboard. Insufficient funds in your fleet account will cause transactions (like card purchases) to fail.

Fleet Account Movements by Service

Here is a detailed breakdown of how your fleet account balance is affected by each service you use.

Card Issuing API

For cards issued via your partnership.

DEBIT: A small fee is debited when you issue a new card via the /api/b2b/cards/issue endpoint.
DEBIT: When a cardholder makes a purchase, the full transaction amount is debited from your fleet account in real-time (this is JIT funding).

USB HSM Vault API

For issuing and claiming physical bearer assets.

DEBIT: The full value of a key is debited from your account when you call /api/b2b/hsm/issue.
CREDIT: When you call /api/b2b/hsm/claim to cash in a key issued by *another* partner, the key's value is credited to your fleet account.
CREDIT (Reversal): If you cancel a key you issued *before* it's claimed, the funds are returned to your fleet account.

Payment Gateway API

For accepting payments on your website or app.

CREDIT: When a customer successfully pays via your hosted checkout page (created with /api/b2b/payments/create), the net transaction amount (amount minus gateway fees) is credited to your fleet account.

Payouts API

For enabling withdrawals from CashPay to external accounts.

DEBIT: When you initiate a payout to a bank or mobile money account via the Payouts API, the full amount is debited from your fleet account to fund the disbursement.

Value-Added Services (SMS & Airtime)

For sending SMS and airtime top-ups.

DEBIT: The cost of each SMS sent or airtime top-up purchased via the respective APIs is debited from your fleet account balance in the corresponding currency.