Accounts Module

This module displays all created accounts.

🔹 View Account Details:

• Click "See Details" to access all account-related information.
• Alternatively, click the icon at the beginning of the row to view details.

🔹 Filtering Options:To optimize your search, you can filter by:

• Account ID
• Status
• Creation Date
• Product

Additional Filtering Options

You can also filter by account status (Active, Suspended, Canceled) by expanding the "Status" dropdown menu.
When a filter is applied, the "Clear Filter" button will appear, allowing you to reset the applied filter.

Account Details

When you click "View details", you will access an overview of the user's account and transaction history.

User Information Section:

This section contains the customer's personal details, including:

• Full Name
• Email Address
• Account Number
• Status
• External ID
• Account Creation Date

Navigation Tabs

Each tab provides detailed information about a specific section. Clicking on a tab will display its corresponding data, along with available actions.

📌 Available Tabs:

• Overview – General account summary.
• Authorizations – Approved transactions before final confirmation.
• Settlements – Confirmed transactions.
• Payments – Payment history.
• Disputes – Claims or chargebacks.
• Payment Promises – Agreements made to settle outstanding balances.
• Charges – Additional costs applied to the account.
• Credit Card Details – Information about the associated credit card.

Overview - Account Summary

This section provides:

• Card details
• Visibility of recent authorizations
• Overview of the last payments made

🔹 Available Actions (Depending on User Role):

• Edit Customer Information
• Modify Assigned Score
• Create an Advance
• Create a Debit Adjustment

These tools allow for efficient account management and operational flexibility.

Customer Status Summary

This summary is located on the left side of the screen and provides detailed account information.

• Previous Period:
  Closing Date: Cut-off date for the previous period.
• Last Billing Cycle:
  Closing Date: Last cut-off date.
  Due Date: Maximum payment date.
  Days in Default: Number of overdue days.
  Available Line of Credit: Remaining credit limit.
  Total Debt: Total outstanding balance.
  Collection Cost: Fees incurred for debt collection.
  Balance on Hold: Pending transactions yet to be confirmed.
  Line of Credit: Total credit limit granted.
  Minimum Payment: Minimum amount required in the payment promise.
  Payoff Amount: Remaining balance to be paid for the minimum payment.
  Payoff Amount Outstanding: Total debt as of the cut-off date.
  Minimum Payment Outstanding: Remaining balance of the total debt at the cut-off date.
• Next Period
  Starting Date: Beginning date of the next billing period.

Available Actions

The functionalities available in the "Overview" section are located at the bottom left of the screen, below the customer summary.

🔹 Actions You Can Perform:
Edit User Information
Modify Score
Create an Advance
Create a Debit Adjustment

Change Card status (in Cards subsection)

One of the available actions is the ability to change the card status.

🔹 How to Change the Card Status:
Click on the current card status located in the top right corner of the card image.
Select the new status or restore the last status.

Possible Status Changes:
An Active card can be changed to Preventive Block or Canceled.
A Preventive Blocked card can be restored to its last status before the block.
A Frozen card can be canceled.
A Default card cannot be changed, as the user has not activated the card.
A Canceled card cannot be reactivated. This status is irreversible, and the user must have no outstanding debt before cancellation.
📌 Note: Once a card is canceled, it cannot be reactivated.

Accounts – Authorizations

In the second tab of the Account Details section, you will find Authorizations.
This section includes all authorizations, categorized as:
Completed
Pending
Rejected

Displayed Authorization Details:

Description - Merchant Name
Authorization ID
Offer ID
Amount
Merchant Category Code (MCC)
Creation Date
Last Update Date
Status

Accounts – Settlements

This section displays confirmed transactions, along with their associated details.

Displayed Settlement Details:

Merchant Name
Confirmation ID
Amount
Interest Rate
Installments (if applicable)
Merchant Category Code (MCC)
Creation Date
Last Update Date
Status

🔹How to Create a Dispute

In the Settlements section, you will find the option to create and resolve a dispute.

• Steps to Create a Dispute:
  Click on "See Details" for the transaction in question.
  Once the details load, look at the bottom right for the "Create Dispute" option.
  Click on the option to open a new window.
  In the new window, you have the option to enter the reason for the dispute (this field is optional).
  Once the dispute request is submitted:
  The transaction status changes to "In Dispute".
  No interest will be charged on the disputed transaction.
  The transaction will not be included in payment promises until the dispute is resolved.

🔹 Resolving a Dispute:
To resolve a dispute, go to the "Disputes" tab and in the dispute information, input the resolution result by clicking the resolve button (see below in Accounts - Disputes section).

Accounts - Payments

In this section, you will find all payments made by the user, along with their associated details

Displayed Payment Information:

• Payment ID
• Total Amount
• Status
• Creation Date
• Payment Provider (Based on the confirmation received via the endpoint)

Filtering Options, you can filter payments by:

• Payment ID
• Date
• Payment Status

Accounts - Disputes:

In this section, you will find transactions that are currently in dispute or have been disputed in the past.

Displayed Dispute Information:

• Transaction ID
• Disputed Amount
• Agreed Settlement Amount
• Resolution Date
• Dispute Status

🔹 Resolving a Dispute

At the end of each row, you will find the "Resolve" button.

• Steps to Resolve a Dispute:
  Click "Resolve" to open the resolution window.
  Select the appropriate dispute outcome:
  Win the Dispute: The user fully wins the dispute.
  The transaction is closed.
  Any related charges are recalculated.
  Win the Dispute with Partial Amount: The user partially wins the dispute.
  The transaction amount is adjusted.
  The remaining amount is reactivated, generating interest and being included in the next payment promise.
  Lost: The user loses the dispute.
  The transaction is reactivated.
  Interest is reinstated.

📌 Note: Once a dispute is resolved, the transaction status updates accordingly.

Accounts - Payment Promises

In this section, you will find all the payment promises (minimum payment, payoff amount) that have been generated for the account.

Displayed Payment Promise Information:

• Payment Promise ID
• Minimum Payment
• Outstanding Balance
• Amount to Pay to Avoid Interest
• Closing Date
• Payment Date
• Status

Accounts - Charges

In this section, you will find all the charges (interests, fees, etc.) that have been generated for the account.

Displayed Charge Information:

• Charge ID
• Amount
• Tax Amount
• Outstanding Balance
• Active Status:
  True – The charge is active.
  False – The charge is inactive.
• Financial Charge Type:
  The different types of charges generated, including but not limited to:
  • Ordinary Interest
  • Late Interest
  • Delinquency Fee
  • Late Payment Fee (Based on the product configuration)
• Charge Creation Date