# Balance configurations in Control Center

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](https://developers.pismo.io/pismo-docs/docs/balances-configurations-overview).

> 📘
>
> 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](https://developers.pismo.io/pismo-docs/docs/post-v1-balances-config-1).

From Control Center, you can do the following:

* [View the list of balance configurations ](https://developers.pismo.io/pismo-docs/docs/balance-configurations-in-control-center#view-the-list-of-balance-configurations) at the program level
* [Create a balance configuration ](https://developers.pismo.io/pismo-docs/docs/balance-configurations-in-control-center#create-a-balance-configuration) at the program level
* [Activate or deactivate a balance configuration](https://developers.pismo.io/pismo-docs/docs/balance-configurations-in-control-center#activate-or-deactivate-a-balance-configuration)
* [Edit an existing balance configuration](https://developers.pismo.io/pismo-docs/docs/edit-an-existing-balance-configuration) at the program level

# View 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.

<Table align={["left","left","left","left","left"]}>
  <thead>
    <tr>
      <th>
        Filter
      </th>

      <th>
        Description
      </th>

      <th>
        Examples
      </th>

      <th>
        Required
      </th>

      <th>
        Special instructions
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        Processing codes
      </td>

      <td>
        Specify transaction types
      </td>

      <td>
        Purchases\
        Withdrawals
      </td>

      <td>
        Yes, you must select at least one processing code.
      </td>

      <td>
        You can add multiple process codes and even select all.
      </td>
    </tr>

    <tr>
      <td>
        Merchant Category Codes (MCCs)
      </td>

      <td>
        Categorize businesses by their goods and services
      </td>

      <td>
        MCC 5411 is the code for grocery stores.

        MCC 5812 is the code for restaurants.
      </td>

      <td>
        No
      </td>

      <td>
        You can add multiple MCCs.
      </td>
    </tr>

    <tr>
      <td>
        Installments
      </td>

      <td>
        Indicate that a total purchase is split into smaller, manageable payments
      </td>

      <td>
        A credit card payment is split into three installments.
      </td>

      <td>
        No
      </td>

      <td>
        Set both minimum and maximum installments or leave both blank. The maximum number of installments allowed is 99.
      </td>
    </tr>

    <tr>
      <td>
        Currency codes
      </td>

      <td>
        Specify the three-letter identifier for currencies
      </td>

      <td>
        BRL is the code for the Brazilian real.

        USD is the code for the U.S. dollar.
      </td>

      <td>
        No
      </td>

      <td>
        You can add just one currency code.
      </td>
    </tr>
  </tbody>
</Table>

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.<br />\
   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.<br />\
   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.<br />\
   You can reorder, edit, and delete custom conditions, but you can’t reorder, edit, or delete the default.<br />\
   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](https://developers.pismo.io/pismo-docs/docs/edit-an-existing-balance-configuration).<br />\
   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**

<Table align={["left","left","left","left"]}>
  <thead>
    <tr>
      <th>
        Condition
      </th>

      <th>
        Description
      </th>

      <th>
        Options
      </th>

      <th>
        Special instructions
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        Amount consider
      </td>

      <td>
        Checks if the account has enough limit or balance
      </td>

      <td>
        * \*Contract amount\*\* is the total amount, including the principal amount, interest, and fees.
        * \*Principal amount\*\* is the original amount, excluding interest and fees.
      </td>

      <td />
    </tr>

    <tr>
      <td>
        Consider
      </td>

      <td>
        Specifies which limits and balances should be checked before approving a transaction
      </td>

      <td>
        * \*Available credit limit\*\* is the portion of a card holder's total credit limit that is available for use.
        * \*Available withdrawal credit\*\* is the amount a cardholder can withdraw from their credit account, after accounting for previous withdrawals and related transactions.
        * \*Available total installment credit\*\* is the amount of credit still available for purchases made in installments within a credit account.
      </td>

      <td>
        When selecting multiple options, keep in mind that they interact differently based on your choices.

        * \*(available credit limit + over-limit)\*\* = the transaction is checked against the sum of these two options
        * \*(available credit limit + over-limit) & available withdrawal credit\*\* = the transaction is checked against the sum of available credit limit + over-limit, and it’s also separately checked against the amount of available withdrawal credit
        * \*(available credit limit & available withdrawal credit)\*\* = the transaction is checked against both amounts separately
      </td>
    </tr>

    <tr>
      <td>
        Impact
      </td>

      <td>
        Specifies the limits or balances to credit or debit using the contract amount
      </td>

      <td>
        * \*Available credit limit\*\* is the portion of a cardholder's total credit limit that is available for use. It’s based on the initial total credit limit and any debit and credit activity on the account.
        * \*Available withdrawal credit\*\* is the amount a cardholder can withdraw from their credit account, after accounting for previous withdrawals and related transactions.
        * \*Available total installment credit\*\* is the amount of credit still available for purchases made in installments within a credit account.

        This value is based on the total installment credit limit set for the account and is reduced as installment-based transactions are made. It helps determine whether a customer can make additional purchases using installment plans.
      </td>

      <td />
    </tr>
  </tbody>
</Table>

**Debit programs**

<Table align={["left","left","left","left"]}>
  <thead>
    <tr>
      <th>
        Condition
      </th>

      <th>
        Description
      </th>

      <th>
        Options
      </th>

      <th>
        Special instructions
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        Amount consider
      </td>

      <td>
        Checks if the account has enough limit or balance
      </td>

      <td>
        * \*Contract amount\*\* is the total amount, including the principal amount, interest, and fees.
        * \*Principal amount\*\* is the original amount, excluding interest and fees.
      </td>

      <td />
    </tr>

    <tr>
      <td>
        Consider
      </td>

      <td>
        Specifies which limits and balances should be checked before approving a transaction
      </td>

      <td>
        * \*Available credit limit\*\* is the available balance in a cardholder’s checking account.
        * \*Available savings account limit\*\* is the money in a savings account that is currently accessible.
        * *Held funds* \*are amounts in an account that are temporarily blocked from use.
        * \*Additional funds\*\* are extra money added to an account to increase the total available balance, such as a promotional credit or bonus.
      </td>

      <td>
        When you select **Available credit limit**, the transaction is automatically checked against the sum of available credit limit + available savings account limit + overdraft limit.
      </td>
    </tr>

    <tr>
      <td>
        Impact
      </td>

      <td>
        Specifies the limits or balances to credit or debit using the contract amount
      </td>

      <td>
        * \*Available credit limit\*\* is the available balance in a cardholder’s checking account.
        * *Available savings account limit* \*is the money in a savings account that is currently accessible.
        * \*Held funds\*\* are amounts in an account that are temporarily blocked from use.
        * \*Additional funds\*\* are extra money added to an account to increase the total available balance, such as a promotional credit or bonus.
      </td>

      <td />
    </tr>

    <tr>
      <td>
        Opposite impact
      </td>

      <td>
        Specifies the limits or balances where funds should be transferred to offset the option chosen for Impact
      </td>

      <td>
        Same as **Impact**
      </td>

      <td />
    </tr>
  </tbody>
</Table>

8. Review the conditions you created in the **Conditions created** field, then select **Next**.
9. On the **Review and create balance configuration**screen, 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**.