Customer operations in Pismo Control Center involve managing your customers' financial accounts, including disputed transactions. For more information, refer to:

• Accounts management: An account on the Pismo platform represents a customer's account with a financial services provider.
• Disputes management: A dispute is when a cardholder requests a cancellation or refund for a transaction.

Customers

On the Pismo platform, a customer can be:

• Company: A business.
• Person: An individual.
• Customer: A generic type with fewer properties.

You can edit some personal information for a customer in Control Center, such as their name, birth date, and marital status. However, other details are read only, such as the customer ID and document number.

An account must have at least one customer, which can be a person or company. An account can have multiple customers, to support situations like such as joint accounts and multiple cards, but only one can be the account owner. Note that account ownership cannot be changed in Control Center. For more information, refer to Customer information.

For information about customers on the Pismo platform, refer to Core objects and Account customers.

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What is an applicant?

An applicant in the context of the Pismo platform represents a customer who is applying to open a financial account. That is, when you use the Accounts API to create account application you specify a default customer entity object for the customer based on their document number. The customer that you specify automatically becomes the account owner.

Accounts and cards

An account on the Pismo platform represents a financial relationship between a customer and your financial institution. It is used to manage various activities such as transactions, balances, and other related services. The Pismo platform provides a comprehensive and flexible account management system that supports multiple types of accounts, including checking, savings, credit, and investment accounts.

Each account is contained within a program, and the account’s type (such as credit, debit, or prepaid) is determined by the type of program that contains it. A customer can have their own individual card, but all cards draw from the same account limit/balance. A customer can have multiple accounts, such as a corporate credit account with a credit card, and a personal bank account with a debit card.