COMPANY004 — Understanding Beneficiary, Connected, and Manager Services

Xtrm provides three distinct levels of account access that govern how your company interacts with, views, and manages other business and individual accounts across the platform.

These access levels determine data visibility, management permissions, and automated API capabilities when orchestrating payouts to vendors, partners, or connected entities.

Key System Concepts

• Connections Are Not Required to Send Payments: You can disburse funds to any registered individual or business without an active connection via Xtrm Wallet, Bank Transfer, Prepaid Card, Digital Gift Card, or Check.

• Automatic Contact Creation: Whenever you issue a payment to a company or individual, they are automatically added to your Contact List for simplified future payment routing.

• Connections Are One-Way: Account permissions are non-reciprocal. Granting or obtaining Level 2 access to a connected entity does not grant that entity visibility into your own company account.

  • For example, if your company connects to another company and receives Level 2 access to their account, this does not automatically grant them Level 2 access to your account.

Access Level Classifications & How to Obtain Access

Level 1: Standard (First Payment / API / Branded Signup / Support)
Level 2: Connected (Account Manager / Support Approval)
Level 3: Manager Services 

Obtaining Level 2 Connected Status (Company & Personal Accounts)

You can establish a Level 2 Connection with a Company or Personal (Individual) account through any of the following five methods:

1. First Payment Initiation: Your company is the first entity to pay the recipient via Mass Pay file submission, API payment, or the Send tool in the Xtrm portal.

2. API Account Creation: Your company provisions the company or personal account programmatically using the Xtrm API.

3. User Interface Account Creation: Your company manually provisions the company or personal account directly within the Xtrm portal.

4. Branded Signup Page Registration: The entity or individual registers via your company's custom branded Xtrm signup portal (yourcompany.xtrm.com)

5. Support-Assisted Connection: Xtrm establishes the connection upon administrative request.

What Happens After Level 2 Connection

• Company Accounts: Appear in your Contacts list and can be filtered under Connected Companies.

• Personal Accounts: Appear in your Contacts list and can be filtered under Connected Users.

• System Functionality: Unlocks Level 2 visibility features, including masked bank account views and API Bank Direct payments.

Requesting a Manual Connection: If a company or personal account is not automatically connected through the methods above, email support@xtrm.com with the Full Name and Email Address associated with the target account to request a manual link.

Obtaining Level 3 Manager Services Access

Manager Services provide advanced administrative capabilities for managing connected companies and individuals at scale. These services are intended for integrated partners, agency accounts, and ISVs managing large networks of downstream users.

How to Request Access

To enable Level 3 capabilities for your account:

1. Contact your assigned Xtrm Account Manager, or

2. Send an access request email to support@xtrm.com

Approval Process

Manager Services access is subject to administrative review based on:

• Technical integration requirements.

• Security, privacy, and compliance considerations.

• Operational scale and business use case.

Depending on your authorization level, you may be granted access to specific modular features or the full suite of Manager Services.

Data Access & Functionality Matrix

The table below breaks down specific operational permissions and feature availability for each access level across the platform.