About the Consumers Module

In the Consumers module, you can access information about consumers who have applied for financing through ChargeAfter. When a consumer applies for financing, they provide information such as name and phone number. In the Consumers module, each consumer is listed with information associated with their financing application. This can be useful in providing support or investigating a particular case.

Viewing Consumer Data

Consumer data is presented in both a high-level list view and a detailed view.

Consumers List

The Consumers List provides a high-level view of all consumers who applied for financing through the ChargeAfter platform.

The Consumers List includes the following fields:

• UPDATED: Timestamp of the most recent update to the consumer.
• FIRST NAME: The first name provided by the consumer upon application.
• LAST NAME: The last name provided by the consumer upon application.
• PHONE: The phone number provided by the consumer upon application.
• EMAIL: The email address provided by the consumer upon application.
• STORE: The store name associated with the financing application.
• LENDER: The most recent lender that the consumer interacted with, such as the lender who approved the consumer for financing.
• AVAILABLE CREDIT: The estimated credit that the consumer has available for the most recent application.
• LAST KNOWN STATUS: The most recent status of the consumer. Possible values:
  • New: A user who initiated the application but has not yet completed the process.
  • Prequalified: The consumer got prequalified as part of an Apply or Checkout flow by one of the lenders on the platform.
  • Pending Consumer: The consumer is in a pending state with one of the lenders on the platform and needs to perform an action.
  • Under Review: The pending status of the consumer is currently under review by the lender.
  • Approved: The consumer received full approval from one of the lenders on the platform.
  • Charged: The consumer completed a Checkout flow successfully, and a charge was created.
  • Declined: The consumer was declined after applying for financing from one of the lenders on the platform.
  • Cancelled: The lender has set the application as Cancelled.
• CONSUMER ID: The unique identifier of the consumer.
• CREATED: Timestamp of when the consumer was created in the system.

Consumer Detailed View

To view detailed information on a consumer, click the arrow at the end of the consumer's row in the Consumer List.

An Overview displays the following information on the consumer:

• FULL NAME
• PHONE NUMBER
  Note: If the consumer has opted out of SMS notifications, it will be specified here.
• EMAIL
  Note: If the consumer has opted out of email notifications, it will be specified here.
• UPDATED: Date of when the consumer was last updated.
• CONSUMER ID: The unique ChargeAfter identifier of the consumer.

Detailed information is displayed on the following tabs:

• Consumer Details
• Remote Interactions
• Lender Applications
• Consumer Activity
• Charges

Consumer Details Tab

On the Consumer Details tab, the following information is displayed:

• CONSUMER DETAILS
  • Shipping Address
  • Billing Address
• MOST RECENT ACCOUNT DETAILS
  • Most Recent Lender: The lender who provided financing options to the consumer most recently.
  • Lender Approved Credit: The amount of credit that the lender has approved for the consumer.
  • Estimated Available Credit: The remaining amount of approved credit after any successful charges.

Remote Interactions Tab

For details on data displayed on the Remote Interactions tab, see Remote Interactions.

Lender Applications Tab

For details on data on displayed on lender applications, see Lender Applications.

Consumer Activity Tab

On the Consumer Activity tab, the following information is displayed:

• UPDATED: Timestamp of the most recent update to the consumer.

• LENDER: Lender name.

• STORE: Store if the merchant is operating in an In-Store channel.

• FLOW: Whether the consumer completed the Apply or Checkout flow.

• APPLICATION CHANNEL: The channel from which the flow originated.

• AMOUNT: The amount of the most recent charge or financing.

• STATUS: The most recent status of the consumer activity.

  Possible STATUS values for a charge:

  • Authorized: The order’s total amount is authorized.
  • Partially Settled: The order’s amount is partially settled (partially captured).
  • Settled: The authorized amount is fully settled (fully captured).
  • Voided: The full authorized amount is voided (the order is canceled).
  • Partially Refunded: The settled amount is partially refunded.
  • Refunded: The settled amount is fully refunded.
  • Chargeback: A chargeback was initiated for the order following a dispute.

  Possible STATUS values for funding:

  • Funded
  • Unfunded
  • Partially Funded

Charges Tab

The Charges tab displays all charges associated with the consumer. For details, see Charges.