Back Office User Roles in TXN allow you to control who can view information, create transactions and manage settings. Correct role setup is critical for financial security, internal controls, and scalable operations.
Available User Roles in TXN
Viewer (Read-only access)
Perfect for Accountants, Finance managers, Auditors, or Executives who need visibility only.
Viewers can only view transactions. They cannot move funds, manage an API, or edit users.
Trader
Perfect for Operations team members, Back-office staff, or Payment or treasury specialists.
Traders can exchange funds and view transactions. They cannot withdraw funds, manage API keys, or manage users.
Spender
Perfect for Finance leads, Risk managers, Team leads responsible for control
Spender can withdraw and exchange funds, and view transactions. They cannot manage API keys or users.
Owner
Perfect for Account owners, and Senior finance or operations leads
Owner can manage API keys, withdraw funds, exchange funds, view transactions, and add and manage users.
Approval permissions are defined by rules, not by roles. Any user — regardless of their role — can approve or reject a transaction if they are included in the list of approvers for a specific approval
Best practice
Limit the number of Owners to as few trusted people as possible.
How to Assign or Change User Roles:
Open user management
Go to Team in your TXN account,
Click to Add user
Insert the name and assign a role
Select Viewer, Spender, Trader, Owner
Send invitation
Tip: Always review roles after team changes or restructures.
Common Mistakes to Avoid
Giving Owner access to too many users
Forgetting to remove access when someone leaves the company
Using shared logins instead of individual user accounts