Smart Account Detection
Automatic routing at checkout that identifies whether the paying customer has a personal (B2C) balance or a corporate (B2B/B2E) account, and applies the correct rules, limits, and merchant restrictions.
Definition
Smart Account Detection is the routing logic 7Konto applies when a customer authenticates in the Checkout Widget or a PSP-embedded checkout. Based on how the customer authenticates and which account they hold, the platform identifies whether they should pay from a B2C balance (personal gift card, prepaid, loyalty) or a B2B/B2E account (corporate credit line, employee meal allowance, fuel account, wellness stipend). Different rules automatically apply: category restrictions (only groceries, only fuel), merchant whitelists, per-transaction limits, time windows, and MCC-locked spend rules. The customer sees the same simple checkout experience — only the platform knows which set of rules is in force.
Examples
A consumer with a $50 gift card pays online — routed to B2C balance, standard checkout rules apply
A corporate employee with a wellness allowance pays at a partner gym e-shop — routed to B2E account, category and merchant rules apply
A transport company driver pays for tolls online — routed to the corporate B2B fuel account, per-driver limits apply
How 7Konto uses this
Smart Account Detection is what makes online closed-loop scale. Without it, merchants and PSPs would need separate integrations for consumer gift cards, employee benefit accounts, and B2B credit lines. With it, one Checkout Widget or one PSP integration handles all account types automatically.
Learn more on 7Konto
Related concepts you might want to explore
Checkout Widget
A ready-to-embed JavaScript component that adds "Pay with 7Konto" to a merchant's online checkout, with four one-click authentication methods.
PSP Checkout Embedding
An integration where 7Konto is added as a native payment method inside a payment service provider's existing checkout — so every merchant on that PSP's gateway sees "Pay with 7Konto" automatically, with zero code changes on the merchant side.
B2B2E
Business-to-Business-to-Employee. A distribution model where a platform provider works with businesses that in turn provide products or services to their employees.
Commercial Account
A business-controlled prepaid or spending account, typically distributed to employees or customers of the account owner, often with spending limits.
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