Customer operations in Pismo Control Center involve:

• Accounts management: An account on the Pismo platform represents a financial service provider's account. 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.
• 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.

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What is an applicant?

An applicant in the context of the Pismo platform represents a customer who is applying for an account. That is, when you use the Create account application endpoint and set submit = false, you add the account to the Pismo platform but it remains inactive. This action creates a default customer entity object for the customer based on document number.

This customer that you specify when adding an account automatically becomes the account owner. (You can make a different customer the account owner by changing its customer.is_owner property to true.)

An account must have at least one customer, which can be a person or company. An account is created with either a person or company as the account owner. If the customer.is_owner property is set to true, the account owner is changed to this new customer.

Accounts and cards

An account can have multiple customers to support situations like such as joint accounts and multiple cards. Every 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.

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.

Every account contains at least one customer. You can add multiple customers to an account but only one can be the account owner.