Congratulations on taking the first step to building flexible, modern payment cards! You are probably eager to get going and start creating your card product.
Here’s how that works:
Get the quick intro on how Enfuce is set up on this page.
The institution is an umbrella entity that links accounts, cards and customers. When setting up the institution,
Enfuce configures the products (debit/credit/prepaid) that are enabled for the institution.Most of our issuers operate in multiple countries and we see country borders are fading – in EEA/EU the barriers
are low for expansion into multiple countries. In order to support you in your market expansion, launching in a new country needs to be fast and profitable.
With this in mind, one institution can hold products issued in multiple countries and currencies and usually issuers opt for a single institution setup.
Besides being cost-effective, this setup also enables you to utilise the same API integrations and processes for all of your customers, regardless of country or currency.
A customer is the entity to which a card and/or account is issued to. The customer can either be a private person or a corporate customer.
For more information, please refer to the Customer section.
The main functionality of the account entity is to hold the balance. It can also be the link for several cards sharing the same balance.
The account entity differs depending on the product (credit/debit/prepaid). For more information,
please refer to the Account section.
The card acts as the actual payment instrument. There is one card entity per card number.
The card is linked to an account and a customer. The card entity holds data related to the card, like card-specific usage limiters and card delivery type.
For more information, please refer to the Card section.
The customer lifecycle starts with the onboarding of a new customer. It should be noted that prior to this process,
the issuer is expected to have screened the applicant, performed required KYC/KYB process and gathered the needed
data to be able to initiate the customer creation process at Enfuce.As described previously, the customer, account and card entities together form the needed parts to create a complete unit.
You can create one following an easy three-step process:
Create a customer → the response will return customerId needed in step 2 & 3.
Create an account → the response will return accountId needed in step 3.
Depending on the use case, the cardholder linked to the card can be different than the customer linked to the account in
which case you’ll have to create two separate customers.
Create a customer that owns the account → the response will return customerId needed in step 2.
Create an account → the response will return accountId needed in step 4.
Create a customer that owns the card → the response will return customerId needed in step 4.
There are multiple variations possible depending on the issuer value proposition.
The logical process of creating entities however remains the same.
The customer, account and card are created immediately in Enfuce payment platform
and are available for use as soon as the API request is confirmed to have been successful.
In the responses the issuer will receive the IDs for each entity that will be the
primary keys for respective entity during its lifecycle. The IDs can be used to get
and update the information related to each entity.The created Customers, Accounts and Cards will be reflected in the Data export files on the following day.