Clients and debtors

• Client (id prefix C.) - a business whose receivables are managed on the Quiddly platform. Quiddly’s customer (for example a bank or a debt-collection agency) onboards and manages its own clients; Quiddly does not manage them.
• Debtor (id prefix D.) - the party who owes money. Can be a person or a company.

Invoices, payment matchings, enforcement actions, and business loans always sit on the client/debtor axis. Most “list” endpoints accept clientId and debtorId filters.

Debtor types

The same real-world party is represented at a few different levels:

• Client debtor (Debtor, id prefix D.) - the debtor as registered under a single client, unique per client and customer number. This is the record you look up and update; it holds the client-specific identity, address, and contact data.
• System debtor (SystemDebtor) - the tenant-wide view of a debtor, keyed by identificationNumber across all clients. It carries the shared credit/insurance limits, segment, and SNI used for credit decisions, so the same party seen by two clients shares one system debtor.
• Invoice debtor (InvoiceDebtor) - the debtor snapshot captured on a specific invoice (name and addresses as stated at issue time). It is tied to that invoice and does not change if the client debtor is later edited.
• System debtor (internal) (SystemDebtorInternal) - an internal grouping that links a debtor’s records by an internal identification number; mostly used by Quiddly’s own processing and not something integrations create.

See Manage Debtors for how debtors are created and updated.

Service accounts created by a client user are bound to that client; they cannot see another client’s debtors. System/Admin users can.