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Account attributes

Required attributes

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If an attribute is not defined for an account, it is inherited from its program. Certain attributes are required, depending on the account type.

Attribute

Description

program_id or acquisition_channel

program_id is the unique ID of the program on the Pismo platform.

acquisition_channel is the unique ID of the original source of your customer (such as a referring web page or mobile app). Acquisition channels are configured at the program level. A channel is tied to one program.

If you don't use acquisition_channel, you must use the program_id attribute to validate new account creation.

Tip: If you have the program_id, you can list its channels by sending a GET request to acquisitions/v2/programs/{programId}/channels.

submit

Flag that determines whether to create the account immediately (true) or to save it as a work in progress (false).

If submit=false, the application form is not sent for processing and the account is not created. Use the Update an application form endpoint to add more information and to submit at a later time.

If submit=true, the account is created and no further changes are allowed.

applicant

Attributes and objects of the customer who is the account holder. This object requires a document_number attribute to identify the account holder. The value for this field is usually a government-issued tax ID number.

See Working with customer objects and Working with address and phone objects.

due_date

(Required for credit programs only) Monthly cycle date.

Every account has a starting date for the monthly accounting cycle. For credit cards, this date is the statement's due date. For checking accounts, prepaid cards, and debit cards, this date is usually set to the first day of the month and is used to group together monthly transactions.

Important: The due_date parameter is passed as a numeric value. For example, for a due date 1 (first day of the month), its identifier could be something like 3063. This is the value you should use.

To get a list of due dates available for a particular program, see Get List of Program Due Dates.

Account limits

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For information about an account's limits attributes, see Account limits.

Additional account attributes

Besides registration data, the Pismo platform enables you to set some additional attributes related to the account

  • exchange_mode – Exchange conversion rule for purchases in foreign currencies. Valid values are SAME_DAY for rate conversions at the purchase day or CLOSING for rates applied at the statement's cycle closing date (also valid only for credit programs).
  • Limits (see Account limits

For more information, see Account attributes .

Optional account attributes

The account object can receive the following optional attributes.

  • external_id – A custom account ID string that uniquely identifies the account within your organization.

Relationship between external_id and documentNumber

The external_id parameter is a unique external ID that you can add to an account. This parameter is not validated, so you can set a provide a string value according to your business needs.

By default, external_id is not set and the documentNumber is used to identify the account within the program. (Remember, by default there can be only one account per documentNumber in the same program.) However, if you set an external_id, this documentNumber uniqueness rule is not applied, so you can have multiple accounts that use the same documentNumber.

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Some older Pismo customers might still be using the legacy program parameter ALLOW MULTI ACCOUNTS FOR CREDENTIAL for this purpose. When this boolean parameter is set to true, the documentNumber uniqueness per program rule is not applied when creating an account in the program.

Custom account attributes

The Accounts API also allows for persisting custom metadata associated with the customer, using the custom_fields object as a general key-value store. For example, you could store information like:

{
    "preferred-social-network": "facebook",
    "discounts-of-interest": ["restaurants", "movies"]
}

Optional application data

  • birth_date
  • account

Personal and company attributes

See Working with customer objects.

Address and phone attributes

See Working with address and phone objects.

Updated 16 days ago

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