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Implement these mandatory features before going live with your solution.
Credit Cards: If your solution uses credit cards without Digital Banking accounts, do not implement the Account Closure feature. Refer to the credit card integration guide for the termination process.
Implement the following features for all Digital Banking & Cards products:
Know Your Customer (KYC)
Compliance requirements
- Terms & Conditions Consent Log
- Seizures
- GDPR deletion requests
- Account closure
- Postbox
- AML update process
- Questions and Answers
Authentication & authorization
Digital Banking & Cards
- Account management
- Cards creation and servicing
- Cards Smart Agent
- Encrypted PIN change
- Foreign exchange markup
Implement the following features for lending-only products:
| Product | Mandatory features |
|---|---|
| Fronting Factoring B2B | • Terms & Conditions Consent Log • GDPR deletion requests • Customer Due Diligence (excluding EDD) |
| Fronting B2B | • GDPR deletion requests • Customer Due Diligence (excluding EDD) |
| Fronting B2C | • GDPR deletion requests |
| Loans B2C | • GDPR deletion requests |
| Splitpay B2C | • Terms & Conditions Consent Log (in some cases) • GDPR deletion requests |
| Splitpay Freelancers | • Terms & Conditions Consent Log (in some cases) • GDPR deletion requests |
Compliance requirement: Subscribe to the mandatory webhook events regardless of your product.
Check the specific product guides for additional required webhooks.