Behaviour & rules

We detect if it’s an immediate card or a differed card.

If it's an immediate debit card, we import transactions are shown directly on the checking account.

If it's a differed debit card, then we create a card account.

The show_client_side flag is set at true or false and transactions can be displayed to the customer or not depending on its value.

Transaction data management at the end of the period

Some examples :

CM/CIC : Payment the 20th, but it’s debited the 27th
Crédit Agricole : Mid-month payment and debited at the beginning of the next month
BNP : last business day of the month

Case 1: transactions grouping

This is the case by default for all banks except for the banks listed in the second use case (below).

We display on the current account, a summary transaction with the total amount spent and the label “monthly debit”.

This transaction will have a show_client_side set to False just like those of the deferred debit card account.

For technical reasons, we are unable to identify the link between a monthly compensatory transaction on the current account and all transactions on the deferred debit card account.

Case 2 : All transactions from cards accounts are pasted on the checking account

In that case, card account transactions are duplicated on the checking account withshow_client_side flag set to True.

Transactions on the card account will have ashow_client_side flag set to False.

Depending on your integration, you can choose to use this flag to keep the transactions on the deferred debit card account if they have already been processed/reconciled and not display those on the current account.

Banks with this behavior :

BNP Paribas
Société Générale