Consumer balances
Gift cards, personal prepaid and loyalty balances, with the programme's own expiry and scope.
Capability
The right account, without asking the customer
One person can hold a gift balance, a loyalty balance and an employer allowance at the same time. Smart Account Detection decides which one is paying, and applies its rules, its limits and its merchant restrictions — without a menu, a prompt or a support call.
Updated
At a glance
- Runs at
- Authentication, before authorisation
- Distinguishes
- Personal balances from corporate accounts
- Applies
- Limits, categories, allowed merchants, time windows
- Availability
- From the Scale plan
Updated
What it checks
- 01
Who authenticated
The Wallet card, phone, email or corporate ID that started the payment.
- 02
Which accounts they hold
Every balance available to that identity, in priority order.
- 03
Whether this merchant is allowed
Corporate accounts can be restricted to categories, merchants or times of day.
- 04
What is left
Daily, monthly and per-transaction limits, checked before authorisation.
Why a menu would not work
Asking a customer to choose between “personal” and “corporate” at a fuel pump produces mistakes, disputes and expense reports that do not reconcile. The account is a property of who authenticated and where they are spending, so the platform decides it — and the decision is recorded on the transaction.
Corporate accounts
Employer credit lines and employee allowances, with per-user limits and an allowed merchant list.
The rules travel
The same account behaves identically at a POS terminal, in the widget and inside a PSP checkout.
Rules an account can carry
- Spending limits
- Per transaction, per day, per month
- Merchant scope
- One merchant, a category, or an allow-list
- Time windows
- Weekdays only, shift hours, or a date range
- Units
- Money, points, meals, litres or a custom unit
- Reservation
- Hold funds before dispensing, settle on the real amount
- Reporting
- Every decision recorded against the transaction
Questions about this
How does 7Konto know whether a customer is B2C or B2B/B2E?
Smart Account Detection. When the customer authenticates, the platform routes them to the right account type — personal gift and loyalty balances for consumers, corporate credit lines or employee allowances for B2B and B2E users — and applies that account's rules, limits and merchant restrictions.
Set the rules once, enforce them everywhere
A free 30-day pilot, configured and supported by our team.