# Glossary

Source: https://docs.neropay.app/neroconnect/glossary
Last updated: 2026-10-09T18:58:44+00:00

Every NeroConnect term in one place. When a figure or a setting doesn't behave as you expect, the answer is usually a definition.

> 📸 The three parties: your platform, your merchants and NeroPay.
> 
> ![Diagram: an example platform on top with its own brand and prices, its merchants beneath, and NeroPay underneath running card payments, verification, settlement, terminals and EPOS supply, the dashboard and reports.](https://docs.neropay.app/contents/docs/medias/2026/10/9709f6f699c0c27b41c393bb2d880d02.png)

### The parties

| Term | Meaning |
| --- | --- |
| NeroPay | Runs the payments underneath. Owns KYC, compliance decisions and the caps no platform setting can exceed |
| Platform | Your NeroConnect account. Creates merchants, sets its prices and brands their experience |
| Connected account | A merchant taking payments under your platform |
| Platform account ID | Your NeroConnect identifier, used for API calls made as the platform |

### Fees

| Term | Meaning |
| --- | --- |
| Application fee | Your charge on a merchant's payment |
| NCPA | Your application fee as credited to your ledger |
| NCPF | NeroPay's processing fee, debited from your platform when you are the fee payer |
| Net transaction margin | NCPA less NCPF, before monthly charges |
| Protected base | NeroPay's floor for an additional service. A price below it is replaced by it |
| Payment allocation | Where one payment went: customer paid, connected kept, platform fee received, NeroPay costs, platform net |

### Balances

| Term | Meaning |
| --- | --- |
| Available balance | Cleared platform funds you can use |
| Connect reserve | Your ring-fenced funds covering merchant shortfalls and platform-paid processing |
| Normal balance | A merchant's payment wallet |
| Reserve balance | Funds held back on one merchant pending review. Unrelated to your Connect reserve |
| Debt balance | Amount due. Negative means the merchant owes NeroPay |
| NeroBusiness balance | A merchant's linked business account, where one exists |

### Limits and account state

| Term | Meaning |
| --- | --- |
| Hard cap | NeroPay's maximum for a payout limit. Platform settings can only lower it |
| Effective value | A limit or price after your choice and NeroPay's cap are both applied |
| NeroDisburse | Disbursement and payout orchestration, with its own daily maximum |
| Active | On reports: at least one successful payment inside the selected dates |
| Onboarding | Connected (set-up complete), Pending (started) or Not started |
| Account mode | Full active, or deactivated by the platform. Reversible, and separate from a NeroPay compliance action |
| KYC | Identity verification, controlled by NeroPay in every mode |
| Attention queue | Open disputes, proof requests and compliance checks. Ignores date filters |

> ⚠️ Period totals count unique merchants and readers, so they won't always equal the monthly rows added together.

### Store and branding

| Term | Meaning |
| --- | --- |
| Store mode | Whether your merchants see a NeroPay-branded store, your branded store, or none |
| Supply cost | What NeroPay charges you for a catalogue item. Debited once, when the order is paid |
| Gross margin | Your selling price less the supply cost, shown as you set the price |
| White-label URL | The login or registration link you give merchants, on your own domain once active |

### Frequently asked questions

**What is the difference between NCPA and my application fee?**

The application fee is what a payment generates. NCPA is the credit recorded in your ledger for it. Reports show both.

**Why do two reports show different active counts?**

Check the dates and channel first. Active means a successful payment in the dates chosen, and period totals count each merchant once.

**Reserve balance or Connect reserve?**

Connect reserve is your platform's ring-fenced fund. A reserve balance is one merchant's money held back for review.

**A service shows 0.00% in reports. Is it broken?**

No. It is priced exactly at its protected base, so it passes through at NeroPay's cost. Raise your price to earn on it.

*Still need help? Contact us at support@neropay.app or create a ticket.*