Debtor: The party that owes money
Creditor: The party to whom money is owing
Debit: An amount of money being removed
Credit: An amount of money being added

Let's apply the above to common contexts within Zepto.

Payment

The payment initiator is the debtor and will have a debit applied to their account.
The payment recipient is the creditor and will have a credit applied to their account.

Payment Request

The initiator of the payment request is the creditor and will have a credit applied to their account.
The payer of the payment request is the debtor and will have a debit applied to their account.

Refund

The refund initiator is the debtor and will have a debit applied to their account.
The refund recipient is the creditor and will have a credit applied to their account.

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