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The customer resource represents a consumer who has signed up for an account with a card program offered by your brand.

You can create and manage customer instances with the customers API.

When you create a new customer object, the consumer's personal identification details are required body parameters for the request. The response returns a unique identifier for the new customer instance, customer_id.

The following chart shows the interactions between the customer resource and other Bond studio objects and processes:

Customer verification

To comply with financial services regulations, you must initiate a Know Your Customer request to verify the information that the customer supplied. An unsuccessful KYC request triggers a KBAKBA - Knowledge Based Authentication. A form of identity validation done by prompting the user to answer questions based on their private information. Performed in the event that the KYC process fails. Generally KBA is interchangeable with OOW. For example, "Out of these 4 addresses, in which have you resided previously?". (Knowledge Based Authentication) request. The customer_id and program_id are required parameters in the verification requests. The program_id identifies a partnership between the brand and a Bond bank partner.

Issue a card to a customer

You can issue a card and create a card account for a verified customer by making a request to the /cards endpoint.

The customer_id and program_id are required parameters. The program_id identifier represents the card program set up between the brand and a Bond bank partner.

Link a card account to an external bank account

Verified customers have the option to link an external bank account with their card account. The customer can then transfer funds between their card and the external bank account.

To comply with financial regulations, Bond verifies the external bank account. Bond creates a unique external_account_id identifier for a validated external account.

View a customer's transaction and account balance

To view transactions made by a customer, pass the customer_id as a query parameter in a request to the transactions API.

To view a customer's balance, pass the customer_id as a query parameter in a request to the balances API.

Updated 2 months ago


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