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Customers

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 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

A continuación se muestra la información detallada en las operaciones para clientes sin saldo 

Function

Customer type catalog

Request

It doesn’t keep info about balance or status.

Cards & banks accounts

The customer can have cards and bank accounts.

Charges (card, bank, at store)

* 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

It’s not allowed because there is not account balance.

Wire transfers

It’s not allowed because there is not account balance.

Fees

It’s not allowed because there is not account balance.

Subscriptions

The transactions generated by subscriptions charges can be accessed from the business or the customer.