זיהוי חשבון חכם

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. הלקוח רואה את אותה חווית תשלום פשוטה - רק הפלטפורמה יודעת איזו מערכת כללים בתוקף.