The Consumer Management API calls are used to get information about consumers as saved in ChargeAfter's database and their existing accounts with lenders via the consumerId.

Endpoints:

• GET .../v2/consumers/{consumerId}
• GET .../v2/consumers/{consumerId}/accounts

Consumer Creation and Identification

When the consumer enters personal information at the beginning of an Apply or Checkout flow, ChargeAfter attempts to match that information with an existing ChargeAfter consumerId.

If no match is found, then the consumer is redirected to a screen on which additional information is gathered.

The merchant experience of Reports and other modules of Operate is optimized when an ideal quantity and combination of information on the consumer is initially provided. When planning an integration with ChargeAfter, it is a best practice to choose from the hierarchy of ideal information below and to consistently gather it from consumers when they first interact with ChargeAfter.

The hierarchy of ideal information for consumer creation is as follows:

1. Mobile phone number and full SSN
2. Mobile phone number and DOB
3. Mobile phone number and last name
4. Email address and full SSN
5. Email address and DOB
6. Email address and last name

In other words, if the personal information in #1 is provided, then it is sufficient and there is no need to gather the information in #2.

Note: When a consumer is created with full SSN, ChargeAfter can identify the consumer via the last four digits of the SSN.