Customer Structure
Our platform is built around three powerful components that work together to give your customers a seamless financial experience.
👤 Customer
The foundation of everything. This is where your customer's personal identity lives — their profile, details, and preferences that tie all their financial activity together.
🏦 Account
Where money lives. Each account holds a monetary balance in a specific currency and is identified by a unique account identifier — such as an IBAN or Sort Code & Account Number.
Customers can hold multiple accounts across different currencies, giving them true multi-currency flexibility.
💳 Card
A prepaid card designed for scheme transactions. Cards can be physical or virtual, giving customers the convenience they expect in today's digital-first world.
Customers can hold multiple cards under a single customer.
How It All Fits Together
| Multiple allowed? | Linked to Cards? | Linked to Accounts? | |
|---|---|---|---|
| Accounts | ✅ Yes | ❌ No | — |
| Cards | ✅ Yes | — | ❌ No |
Cards and accounts are intentionally not directly linked to each other — this is by design, not a limitation.
So how does a card payment debit the right account?
This is where your programme design does the heavy lifting. The issuing processor applies smart rules at the platform level to determine which account gets debited at the moment of a transaction. Two common approaches:
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Spend Control Programmes — Accounts are selected based on the transaction's Merchant Category Code (MCC). For example, a "Travel" account is debited for airline purchases, while a "Food" account covers restaurant spend. Only the balance of the relevant account is available for that transaction type.
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Multi-Currency Programmes — Customers may have USD, GBP, and EUR accounts. The platform automatically selects the right account based on the transaction's acquiring currency, with programme-level rules and sweep settings managing any currency conversion or fallback logic.
📇 Cardholders
Cards are organised into cardholders, which group cards together for management purposes. Each cardholder can hold multiple cards, but only one card can be active at any time: