You can use the Pismo Control Center to create and manage programs on the Pismo platform. Once you've set up your organization, the next step is to create and implement programs for it. Programs are one of the Pismo platform's core objects and are only assigned to one organization at a time. Programs are containers for managing accounts. They define a set of properties that apply to all of the accounts that it contains.

You can create, copy, or edit programs. When you create new programs, you will assign it a program type, associate it with an integration type, and define its parameters.

• Program type—Defines the type of accounts it manages (such as credit, debit, or prepaid accounts).
• Integration type—For each program type, you can assign either Full balance or Zero balance integration.
• Program parameters—Specify how a program is set up and how it operates.

For more information about programs on the Pismo platform, refer to:

• Core objects
• Program types
• Program parameters
• Accounts

To create, copy, or edit programs without Control Center, use the Programs API endpoints.

Program types

Programs have specific types (such as credit, debit, or prepaid), each tailored to manage specific types of accounts, such as card-issuing, merchant, or transaction banking.

• Credit programs—Customers borrow up to a credit limit, repay over time, and borrow again.
• Debit programs—Money is immediately withdrawn upon making a purchase.
• Prepaid programs—Funds are loaded in advance to pay for a specific service.

For more information regarding program types on the platform, refer to Program types.

Integrations

For each program type, you can choose either Zero balance integration (where you are responsible for managing your customers’ balances and credit limits) or Full balance integration (where Pismo handles most of this for you). For more information about Full balance and Zero balance integrations on the Pismo platform, refer to Full balance versus Zero balance integration.

Program parameters

Program parameters manage settings and configurations that determine a program’s characteristics and behaviors. There are over 60 parameters to choose from, depending on the program type. Define the required ones with your Pismo support team and consider using optional parameters to meet your business needs.

Examples of program parameters include:

• Overdue fee calculation method—Defines how late fees are applied to overdue transactions.
• Withdrawal limit percentage—Maximum allowed percentage for withdrawals and payments, set as a percentage of the maximum credit limit granted by the institution.

For more information about program parameters on the Pismo platform, refer to Program parameters.

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You can use Pismo Control Center to perform most management tasks for program parameters. However, the primary way to manage them is by using API endpoints.

Once you have set up your organization and implemented a program, you can begin adding accounts and customers.