A user is your customer to whom money is sent, or from whom money is debited.
You can add a user manually through the portal or using the API.
They can also connect their credentials (bank account, credit card, etc.) through Zum Connect.
Once a user is saved in the system with the appropriate credentials for the payment method, you will be able to pull from or push funds to their accounts. That user remains in the system as a tokenized UserID for future transactions.
If they connect with Zum Connect, they will be prompted to accept a PAD at that time.
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