pps-platform-account-management

1.3.x
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Card and account lifecyle management

Overview

The Account Management API provides core capabilities to manage the lifecycle of cards and accounts on the PPS platform.

The Product Class

Central to the PPS platform is the concept of the Product Class. The Product Class is configured during programme setup and the relevant Product Class ids communicated. Each Product Class represents a standard set of behaviour including:

  • Acceptance Rules and Limits
  • Regulatory controls
  • Acceptance Channels (Schemes)

The Account

The PPS Account is related to a Product Class from which much of its behaviour is inherited. The PPS Account represents a generic pre-paid or credit account that can be used for a variety of purposes. Supported features include:

  • Single or multi-wallet account configurations
  • Multi-currency wallet support
  • Account hierarchies with configurable parent-child behaviour
  • Full account lifecycle (from activation to account closing)

The generic PPS account may be accessed/exposed through cards allocated to the account or as a UK or European bank account (see the Banking API).

The Card

The PPS Card is associated with a PPS Account to allow accountholders to access the funds held in the accounts wallet(s). The generic PPS Card may represent a physical plastic card, a digital card installed in a device (e.g. ApplePay) or a virtual card communicated directly to the accountholder. Supported features include:

  • Full card lifecycle (from issued to expired)
  • Configurable activation and expiry processes
  • Card replacement
  • Card security including magstripe, PIN, CVC/CVV
  • Managed card fulfilment process for physical cards
  • Bulk card ordering for anonymous cards

Cards generally have a single PAN, but they can also be created with multiple PANs if the underlying product and card profile configuration supports it.

The Card Order

A card order is used to track batches of physical cards through a fulfilment process. A single order can include anything from a single personalised card to a bulk order of anonymous cards with shared characteristics.

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