In order to meet the needs of many of our customers, Openpay has two options for customer management. Choosing an option will depend on the business needs because the business and customers balance administration will vary depending on the type of customer. Let’s see how it works:
Customers with an account
A customer who has an account or balance means that if he makes a charge, the money is stored in his account and the customer can use it for transfers or payments, this option is useful for business models where the end customer has a balance with the business and is able to perform operations within your site or application.
Customers type catalog
Inside Openpay, a customer type catalog is only used to record the data of the customer who does the transaction but the money is always sent to the business account. This scheme is recommended for business models where the customer only makes payments but the money is managed by the business account.
Table of differences
Below is a table comparing the differences between operations for customers with a balance and customers without it.
|Function||Customer w/account||Customer type catalog|
|Request||Keeps the full customer information.||It doesn’t keep info about balance or status.|
|Cards & banks accounts||The customer can have cards and bank accounts.||The customer can have cards and bank accounts.|
|Charges (card, bank, at store)||* It affects the customer's balance
* The transaction is linked to the customer
* The transaction is available only from the customer
| * It affects the business’ balance
* The transaction is linked to customer and to the business
* The transaction is available from the customer or the business
|Payments||Payments are allowed using the account balance.||It’s not allowed because there is not account balance.|
|Wire transfers||It’s allowed to transfer to others by using the account balance.||No se permite debido a que no dispone de saldo|
|Fees||Fees can be charged by using the account balance.||It’s not allowed because there is not account balance.|
|Subscriptions||The transactions generated by subscriptions charges can only be accessed from the business.||The transactions generated by subscriptions charges can be accessed from the business or the customer.|