Customer Portal
Customer portal provides the user access to card holder information in our Card as a Service (CaaS) platform. From customer portal user can view and update (requires write accesses) the card holder information and overall handle customer support type of tasks. To be able to access customer portal, you need to be a customer of Enfuce with own institution configuration.
Customer portal is built with Enfuce Payment API, so all functionality available in Customer portal can be implemented with Issuer on their own system also.
Environments
Customer portal can provide access to test environment (known as Demo) and/or production environment (knows as Live). These access are defined per user.
User roles
User can have different access rights, which determine allowed actions. Please read more about different access rights in the User Management section
Customer portal screens
Search
You can search from customer data with ID, Customer number, Customer name and Reg number. There are some limitations in the search to improve the performance. If you search with only two characters, search will try to find exact match for that. Three or more search characters will do a wildcard search.
Customer Portal can be used to navigate to all the linked items (cards, accounts and transactions), but you need a customer identifier to get the starting point. Another option is to search account, card or transaction information with the IDs so accountID, cardID or transactionID.
NOTE! Customer Portal search will check only customer data. Account and card data is not in scope for the search currently.
Filter search
If you need to find a specific customer, account, card or transaction with an ID, switch to Filter search, from there you can search with following identifiers.
- Customer Id
- Customer number
- Account Id
- Card Id
- Transaction Id
Customer Details
Customer Details screen provides access to Customer entity in CaaS. A Customer is the entity to which a card and/or an account is issued to. The Customer can be a private person, a corporate customer, or even an item like a vehicle. The customer entity is used to identify to whom the account and/or card is linked to.
Update
If user have Write access enabled, they can enable edit more and make updates on customer details.
Address
Address on Customer entity is the only mandatory address in the card holder hierarchy. This is the default address that will be used for everything if, there’s no overriding address on other levels.
Temporary address
Temporary address overrides Customer address. And this is then considered as the default address that will be used for everything if, there’s no overriding address on other levels.
Accounts tab
The accounts linked to this customer can be accessed from this tab. Depending what kind of structure models are in use by the issuer, it can be that customer has no linked accounts. This can happen f.ex. when there’s a corporate customer linked to the account and private customer linked to the card.
Cards tab
The cards linked to this customer can be accessed from this tab. Depending what kind of structure models are in use by the issuer, it can be that customer has no linked cards. This can happen f.ex. when there’s a corporate customer linked to the account and private customer linked to the card.
Create
If user has Write access enabled, they will have access to Create customer feature. Create can be access via Search page. Create forms are mostly meant to be backup functionality, there’s no KYC processes or anything similar flows attached to this functionality. This should be used only, if you are sure you can create customer directly to CaaS system.
Account details
Account Details screen provides access to Account entity in CaaS. The account entity’s main functionality is to hold the balance. It also functions as the link in case several cards share the same balance. For credit products, the account also represents the invoicing level.
Update
If user have Write access enabled, they can enable edit more and make updates on account details.
Address
Address on account entity is used for invoice delivery address. By default linked customer address is used, but if some other delivery address is needed, it can be redefined here on account level.
Transactions tab
The transactions/authorisations posted on this account hierarchy, meaning directly on this account or to a linked card can be accessed from this tab.
Cards tab
The cards linked to this account can be accessed from this tab.
Customer tab
The customer linked to this account can be accessed from this tab.
Invoices tab
Invoices related to the account can be accessed from this tab. Invoices are shown as a list from newest to oldest. You have the ability to edit distinct information of an invoice by clicking the edit icon on the right side of the invoice pane.
Actions
Set account status
With this action you can update account status. Available options for account status are as following
-
Account blocked - Temporary block on the account, preventing approval of authorisations. This status can be used instead of card level temporary block, if the target is to block all cards that are linked to the same account.
-
Account OK - Account is open and in normal status.
-
Account to close - Starts account closing process. Can be set even if account has a balance. Is used if either cardholder or issuer decides to terminate the account. When account is set to this status, all linked cards´ status will be updated to “Card Blocked” status.
Refund positive balance
Refunding a positive balance is intended to reimburse the account owner, for example, in cases of overpayments. This process involves triggering the creation of an outgoing SEPA payment file, and issuers must contact Enfuce to configure it. This is a prerequisite for using this feature.
The supported account types include IBAN, BBAN, PlusGiro, and Bankgiro. Providing account details is mandatory for all refund transactions. The description you add will be visible in the recipient’s bank statement and transaction details in MyEnfuce.
If money movements are handled outside of the Enfuce system, you can use the Post Account Transaction instead.
Post transaction
This action will post transactions to the account
Post fee
This action will post fee to the account
Print Account Statement
With this action you can print a statement including all account transactions done during a period of up to 3 months.
You can select the Start and End date from the calendar view, and after clicking on “Print statement” a new print dialog opens up in your web browser.
Please note that the Account Balance displayed in the statement is the current balance, and only posted transactions are listed in the statement.
Create
If user has Write access enabled, they will have access to Create account feature. Create can be access via Search page. Create forms are mostly meant to be backup functionality, there’s no validation or anything similar flows attached to this functionality. This should be used only, if you are sure you can create account directly to CaaS system.
Card details
Card Details screen provides access to Card entity in CaaS. The card acts as the actual payment instrument. The card can take many forms: it can be plastic, virtual or tokenised on a variety of items, e.g. smart watches, mobile phones and rings. Regardless of the form of the payment instrument, these are all based on the card entity from Enfuce’s point of view.
Update
If user have Write access enabled, they can enable edit more and make updates on card details.
Usage limits
Card level usage limits can be viewed and updated here.
24H/Daily/Weekly/Monthly
Here user can view and update the limiter values for this particular card. The value shown here is the limit value, not the available or used limit. Actual limiters in use depends on product configuration.
Terminology
- 24H - 24H rolling, i.e. accumulates transactions from the last 24h.
- Daily - Daily, i.e. accumulates transactions from one day. Day breaks at 00:00 UCT.
- Weekly - Weekly, i.e. accumulates transactions from one calendar week (Mon-Sun). Week breaks Mondays at 00:00 UCT.
- Monthly - Monthly, i.e. accumulates transactions from current calendar month. Month breaks at 00:00 UCT on the first day on the month.
- ATM means that this limit is affected only with cash type of card schema transactions, specifically ATM and Cash transaction types
- Retail means this limit is affected only with retail type of card schema transactions, specifically other than ATM and Cash
- All means this limit is affected by any type of card schema transactions
- Transaction count means how many transactions can be performed within the time specified
- Single amount means what is the maximum single transaction amount
- Total amount means what is the total sum of transactions amounts that can be performed within the time specified
Usage Blocks
Here user can view and update the geo-blocking values for this particular card.
Terminology
- eCommerce block won’t allow any purchases done online
- Home block won’t allow any purchases done in the home country of the issued card (the actual country value depends on product configuration). Home country is excluded from the other area, where this country belongs to. F.ex. if Home is Finland and it is allowed and you block Europe, Finland is still allowed.
- Asia block won’t allow any purchases done in Asia (based on United Nations M49 standard definition of Asia)
- North America block won’t allow any purchases done in North America (based on United Nations M49 standard definition of North America )
- South America block won’t allow any purchases done in South America (based on United Nations M49 standard definition of South America )
- Africa block won’t allow any purchases done in Africa (based on United Nations M49 standard definition of Africa)
- Europe block won’t allow any purchases done in Europe (based on United Nations M49 standard definition of Europe)
- Oceania block won’t allow any purchases done in Oceania (based on United Nations M49 standard definition of Oceania )
Account tab
The account linked to this card can be accessed from this tab.
Customer tab
The customer linked to this card can be accessed from this tab.
Actions
Set card status
With this action you can update card status. Available options for account status are as following
- Card blocked - Temporary block on the card that will prevent approval of authorisations. Can be used instead of account level temporary block if the goal is to block only a specific card. Card status is automatically updated to “Card blocked” when account status is set to “Account to close”.
- Card closed - Used to close card by request from customer or issuer.
- Card closed due to fraud - Used to close a card due to known fraud.
- Card lost - Used to close a card in case it is lost.
- Card no renewal - Set to cards that are not expected to be renewed (e.g. passive cards). The existing card is valid until the end of the expiration time.
- Card OK - Card is open and in normal status.
- Card stolen - Used to close a card in case it is stolen.
- Card suspected fraud - Temporary block on the card that will prevent approval of authorisations. Functionality the same as for “Card blocked”, the different code allows to differentiate between the blocks.
Activate Physical Card
If a plastic is not automatically active, then it is possible to manually activate it. This setting depends on product configuration. Activate plastic action is not available if plastic is already active.
Reissue card
This action will create a new card with existing PAN, used e.g. if previous card is damaged
Replace card
This action will create a new card with new PAN, used e.g. if previous card is lost.
Reset PIN attempts
This action will reset the amount of PIN attempts
Post card fee
This action will post fee to the card
Post card transction
This action will post transactions to the card
Cancel card production
If embossing has not been run it is possible to cancel production of a physical card. When this is done the plastic and that id will be deleted and not visible anymore. Note this can only be done as long a plastic is in status INACTIVE.
Reorder PIN
This action will re-order existing PIN if cardholder has forgotten it
Remove PIN address
If separate PIN delivery addresses are used, this action is used to remove the address. PIN will be delivered to client address if separate PIN address doesn’t exist.
Removed Card Address
If separate Card delivery addresses are used, this action is used to remove the address. Card will be delivered to client address if separate Card address doesn’t exist
Create
If user has Write access enabled, they will have access to Create card feature. Create can be access via Search page. Create forms are mostly meant to be backup functionality, there’s no validation or anything similar flows attached to this functionality. This should be used only, if you are sure you can create card directly to CaaS system.
Transactions
Transaction Details screen provides access to transaction and authorisation entity in CaaS. All transactions have one common characteristic which is that they are designed to either increase or decrease the account balance. However, there are many variations with differing processes. All transactions, regardless of type, are recorded in Enfuce in the same way and their data are available through the same access points:
Account tab
The account linked to this transaction can be accessed from this tab.
Card tab
The possible card linked to this transaction can be accessed from this tab.
Customer tab
The customer linked to this transaction can be accessed from this tab.
Actions
Reverse Transaction
Some of the transaction types can be reversed by user. If reverse option is possible the Actions menu contain Reverse Transaction. This will create reversal document for this account and adjust the balance automatically.
Print Transaction Receipt
With this action you can print a PDF receipt of a single transaction. You need to add a description which will be visible in the receipt (max 255 characters). This description will not be saved on the Transaction Details and it’s only visible in your receipt at the time of printing it. After clicking on “Print” a new print dialog opens up in your web browser.
Suspended payments
Suspended Payments feature allows you to manage bank transfers that could not be automatically matched to an account in Enfuce system due to invalid or missing payment references.
This guide will help you navigate through the functionalities provided, ensuring you can effectively manage these payments.
Features
- Listing Suspended Payments
- Overview: View all bank transfers that have been suspended due to invalid or missing references. Details Displayed: Each entry includes the payment amount, sender information, and the date received.
- Reversing Transactions
- Overview: If a payment was incorrectly sent or cannot be resolved, you may reverse the transaction.
- Confirmation: You will be asked to confirm the reversal. Once confirmed, the funds will be reversed from the suspended payments account.
- Posting Suspended Payments to the Correct Account
- Overview: Redirect payments to the intended account after correcting any discrepancies in the payment reference.
- Process: You will be prompted to enter the correct account details and reference. Confirm the details to complete the posting process.
Audit logs
Audit logs capture a chronological record of events and activities within an institution. They include detailed descriptions of requests and their subsequent responses initiated via MyEnfuce or Enfuce APIs.
Audit logs are automatically recorded for events and activies involving:
- Cards
- Customers
- Accounts
- Transactions
You can view audit logs by selecting the “Audit” option above the tabs on Cards, Customers, Accounts, and Transactions pages.
Color codings in Account, Card and Transaction listings
Account listings
- White means that this account has status Account OK, meaning all is normal
- Yellow means that account is in ACCOUNT_BLOCKED or ACCOUNT_TO_CLOSE status, meaning account has some pending status
- Red means that account is in some other status, meaning it has been closed or in collection
Card listings
- White means that this card has status Card OK, meaning all is normal
- Yellow means that card is in CARD_BLOCKED, SUSPECTED_FRAUD or CARD_NO_RENEWAL status, meaning card has some pending status
- Red means that card is in some other status, meaning it has been closed for one reason or another
Transaction listings
- White means that this transaction has been successfully posted. If it is authorization, white means that authorization is not blocking anymore the amount from available amount. This can mean that clearing has matched the authorization or that there has not been clearing transaction received in time and pending authorization has been released automatically.
- Yellow is used for pending authorizations, which means that the amount has been blocked from available amount, but clearing transaction has not been received yet.
- Red means that authorization has been rejected