User Onboarding
Customers can initiate their onboarding journey once the product and offer details are finalized. This initiation is prompted when the card issuer requests to establish a customer/account within the MO Manage system. The subsequent actions involve utilizing key capabilities to seamlessly create, update, and retrieve customer information.
Customer
Once the program manager has completed the user’s onboarding process and agreed to the data protection terms and conditions, MO’s service will be triggered to create a customer account. The service collects all the necessary information required to establish an active account. The following table outlines the three possible account statuses:
Status | Description |
---|---|
Active | The customer’s account is fully operational, with all associated services available. |
Suspended | This status is triggered based on predefined business rules set in the product configuration, such as overdue balances. When an account is in this status, it is restricted from making new transactions or accessing certain services. However, the system will still accept and process payments as per the configured settings, allowing the user to resolve outstanding issues and potentially restore the account to active status. |
Canceled | The account has been permanently closed. An account with this status cannot make new transactions or payments. The credit lifecycle and logic of a canceled account cease to progress. |
Note
All cards registered under an account are impacted by its status.
Manage customers
MO furnishes you with a few endpoints to manage customers and their accounts. You can create a customer, update the status of an account, retrieve customer information, and get the balance of each account.
Create Customer
POST
Create a new customer account.
Get Customer Information
GET
Retrieve a customer’s account information.
Get Customer Balance
POST
Retrieve the real time balance of the account and other information.
Update Status
POST
Request a change of status of an account.
Updated 2 months ago