Customer profiles

Customer profiles (Customer) unify and secure all your customer data for easier management. They interact with other CentralPay services and notably allow you to:

• Centralize their payment history (across all sales channels and payment methods)
• Digitize and securely store their payment methods (cards, SEPA mandates, virtual IBANs)
• Easily track their recurring payments (subscriptions, split payments) or pending settlements (payment requests)

In certain cases, they can also be associated with an e-money account, allowing the customer to receive and use funds within the network of the e-money distributor partner.

A Customer must be identified by either their email address or their phone number.

It is also possible to declare other information concerning them, such as their last name, first name, language, personalized reference, default payment method, etc.

1. Usage

Creating a Customer is mandatory for performing:

• Subscriptions or split payments by card
• 1-click card payments
• SEPA direct debit payments
• SEPA transfer payments with a dedicated Virtual IBAN
• Creating an anonymous e-money account

2. Interfaces

You can view all Customers on your account from your Merchant Portal Account Customers

Your Customers also have access to a customer portal allowing them to manage payments made to your company:

3. Creating a Customer

There are two methods for creating a Customer:

• Create a Customer via the dedicated API service, which then allows you to create a Card, manage a Virtual IBAN for this Customer, initiate a transaction, a payment request, etc.
• Create a Customer via a payment request

CentralPay ensures Customer uniqueness: if you initiate a payment request with Customer creation while their email or phone number is already known in your account, CentralPay will not create a new Customer and will associate the transaction with the existing profile.