generated: '2026-07-19'
method: derived
source: openapi/finix-payments-openapi-original.yml
note: >-
  Entity-relationship graph derived from the Finix OpenAPI schemas (id-reference fields on each resource).
  id-prefixes captured from Finix docs examples where observed.
entities:
  - name: Identity
    id_prefix: ID
    description: A person or business (buyer, seller/merchant, recipient). Root of onboarding.
  - name: Merchant
    id_prefix: MU
    description: An underwritten Identity provisioned to process payments.
  - name: MerchantProfile
    description: Processing/config profile attached during merchant creation.
  - name: PaymentInstrument
    id_prefix: PI
    description: A tokenized card or bank account belonging to an Identity.
  - name: Authorization
    id_prefix: AU
    description: A hold placed on a PaymentInstrument, later captured into a Transfer.
  - name: Transfer
    id_prefix: TR
    description: A movement of funds (debit, credit, refund/reversal) for a Merchant.
  - name: Settlement
    description: A batch of Transfers to be paid out to a Merchant/Identity.
  - name: Dispute
    description: A chargeback raised against a Transfer.
  - name: Verification
    description: A verification run against a Merchant or PaymentInstrument.
  - name: Device
    description: A physical in-person payment terminal linked to a Merchant.
  - name: FeeProfile
    description: Fee configuration applied to a Merchant.
  - name: PayoutProfile
    description: Payout settings for a Merchant.
  - name: Webhook
    description: A subscription endpoint receiving event notifications.
  - name: File
    description: An uploaded document (e.g. dispute evidence, onboarding).
  - name: OnboardingForm
    description: A hosted seller onboarding form.
  - name: ComplianceForm
    description: A PCI/compliance attestation form.
  - name: SplitTransfer
    description: A portion of a Transfer routed to a seller Merchant in marketplaces.
relationships:
  - from: Merchant
    to: Identity
    type: belongs_to
    via: identity
  - from: Merchant
    to: MerchantProfile
    type: has_one
    via: merchant_profile
  - from: PaymentInstrument
    to: Identity
    type: belongs_to
    via: identity
  - from: Authorization
    to: Merchant
    type: belongs_to
    via: merchant
  - from: Authorization
    to: PaymentInstrument
    type: belongs_to
    via: source
  - from: Authorization
    to: Transfer
    type: has_one
    via: transfer
  - from: Authorization
    to: Device
    type: belongs_to
    via: device
  - from: Transfer
    to: Merchant
    type: belongs_to
    via: merchant
  - from: Transfer
    to: PaymentInstrument
    type: belongs_to
    via: source
  - from: Transfer
    to: PaymentInstrument
    type: belongs_to
    via: destination
  - from: Transfer
    to: Transfer
    type: has_many
    via: reversals
  - from: Settlement
    to: Identity
    type: belongs_to
    via: identity
  - from: Settlement
    to: Transfer
    type: has_many
    via: transfers
  - from: Dispute
    to: Transfer
    type: belongs_to
    via: transfer
  - from: Dispute
    to: Merchant
    type: belongs_to
    via: merchant
  - from: Dispute
    to: File
    type: has_many
    via: evidence
  - from: Verification
    to: Merchant
    type: belongs_to
    via: merchant
  - from: Verification
    to: PaymentInstrument
    type: belongs_to
    via: payment_instrument
  - from: Device
    to: Merchant
    type: belongs_to
    via: merchant
  - from: PayoutProfile
    to: Merchant
    type: belongs_to
    via: merchant