User creation and management on Fipto is handled through the platform's access control system by account administrators. New users are subject to a security validation process managed by Fipto's team. Each user is assigned specific roles and permissions that reflect their function within the organisation — ensuring that access to payment initiation, conversion, reporting, and administrative features is appropriately restricted. The creation and configuration of users is supported by Fipto's account management team during onboarding and throughout the client relationship.