Use Control Center to create balance configurations, which are a flexible set of rules that define how account balances and limits are impacted based on transaction activity. You can create them to manage account balances for your card and banking transactions.

For example, if you’re a bank, you can give a customer two separate credit limits for the same account:

• A primary limit for everyday purchases
• A secondary limit specifically for purchases made in multiple installments

For more information and examples, refer to Balance configurations overview.

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You can create and view balance configurations at the program level only, which apply to all accounts in the program. To create and view balance configurations at the organization, program, or specific account level, use the appropriate endpoint in the Balance configuration API.

From Control Center, you can do the following:

• View the list of balance configurations at the program level
• Create a balance configuration at the program level
• Activate or deactivate a balance configuration
• Edit an existing balance configuration at the program level

View the list of balance configurations

To view the list of balance configurations at the program level:

1. From the main menu, select Configurations > Balance configurations.
2. On the Balance configurations screen, select a balance configuration to review its details. You can find a specific balance configuration by using the Filter field. Filter on the program name or balance configuration ID.

Create a balance configuration

To create a balance configuration at the program level:

1. From the main menu, select Configurations > Balance configurations.
2. On the Balance configurations screen, select Create configuration.
3. On the Program screen, select the program to associate with this balance configuration. You can select only one program. Select Next.
4. On the Scenario screen, do the following:
   1. Enter a name for the scenario.
   2. Set whether to create the balance configuration as active (activated when created) or inactive (created but not activated).
   3. Select Next.
5. Create filters, which are the rules used in scenarios. Refer to the following table for descriptions of each filter. You can also find this information in Control Center.

6. Review the filters you created in the Filters created field, then select Next.
7. On the Conditions screen, define the criteria for evaluating scenarios.
   
   Note that when you create a balance configuration, you define just one condition initially, which is known as the default. This is important because the Pismo platform checks conditions in the priority order you set. If the first condition matches, the search stops there, and the platform uses this condition. If not, the search continues until there is a match. If no conditions match, the platform denies the transaction.
   
   If you create other conditions, known as custom conditions, they are higher in priority than the default condition. The default condition is always the lowest in the priority order, meaning that it’s always checked last.
   
   You can reorder, edit, and delete custom conditions, but you can’t reorder, edit, or delete the default.
   
   To create more conditions, first create this balance configuration and then you can edit it. For more information, refer to Edit an existing balance configuration.
   
   Your options vary depending on whether you selected a debit or credit program earlier. Refer to the following table for descriptions of each condition. You can also find this information in the tooltips in Control Center.

Credit programs

Debit programs

8. Review the conditions you created in the Conditions created field, then select Next.
9. On the Review and create balance configurationscreen, ensure the information is correct. If you want to change anything, select Back. When you’re satisfied with all the information, select Create.

Activate or deactivate a balance configuration

You can create a balance configuration as active (immediately activated) or as inactive (saved but not activated) and activate it later.

To activate an inactive balance configuration:

1. From the main menu, select Configurations > Balance configurations.
2. Select the inactive balance configuration you want to activate.
3. On the Balance configuration details screen, select your configuration.
4. On the Scenario details screen, set the Inactive toggle switch to Active.

To deactivate a balance configuration at any time, use the previous steps and set the Active toggle switch to Inactive.