You are the customer of Penta and Solaris SE, however you only have to communicate with Penta. 

Solaris SE only acts as our partner providing us with their banking license and some of their tech infrastructure. Solaris SE keeps a neutral approach regarding the end-customers and doesn't interact with them. Instead, Solaris SE offers Penta all the tools that we need to build our own relationship with our customers and to build great products that make your life as a business owner easier.