DgPaysDgPaysEverest Card

Journey 03

Enabling additional capabilities

Grow the program: installment propositions (EPP / IPP / BNPL), rewards, virtual cards and real-time events. Each capability switches on per product without re-platforming.

4 sections · 9 steps · 4 with a gap this platform does not cover

EPP / IPP / BNPL — Credit

Equal Payment Plans on purchases, Installment Payment Plans on cash, and early settlement. The pattern is always parameters → simulate → execute.

  1. Purchase conversion (EPP)

    Check allowed counts for a transaction, simulate the schedule for the customer, place the order — with optional first-installment deferment.

    installmentOrderRecordIdfor cancellation window

  2. Installment cash (IPP)

    Parameter sheet, one-call simulation of every allowed count, then book and disburse.

    utidof the booked plan

  3. Track waiting installments

    Upcoming installment detail and summaries grouped by statement date.

    statementDateprojection for the customer

  4. Early settlement

    List eligible plans, simulate the exact early amount, release — fee must match the simulation.

    earlyPaymentAmountexact settlement figure

EPP / IPP / BNPL — Debit

Installment propositions on debit run on the same installment services, enabled through debit product configuration. Eligibility, simulation and execution mirror the credit flow against the debit card’s shadowCardNumber.

  1. Enable via product configuration

    Installment permission is a product parameter — switch it on for the debit product in product management (no-code, maker-checker).

    installment configconfirmed on the product

    Product parameters are not readableNo operation reads a product's configuration. Limit parameters are readable, which is a different thing.

  2. Same services, debit card

    Run the identical parameters → simulate → execute pattern with the debit shadowCardNumber.

    utidof the debit installment

Rewards & loyalty

Points or cashback with customer- and card-level profiles.

  1. Balances and profiles

    Reward balance with the active profiles driving earn rates.

    rewardBalancefor display

    Rewards is not exposedThere is no reward surface. Two operations mention rewards in passing and neither returns a balance or posts a movement.

  2. Earn and burn

    Post reward movements — redemptions at POS or manual adjustments with audit reasons.

    newRewardBalanceafter the movement

    Rewards is not exposedThere is no reward surface. Two operations mention rewards in passing and neither returns a balance or posts a movement.

Real-time events

Stop polling: webhook subscriptions with HMAC-signed payloads for every lifecycle and money event.

  1. Subscribe

    Register your HTTPS endpoint for the event types you consume; verify signatures before processing.

    subscriptionIdHMAC-signed payloads

    Event subscription is not exposedThere is no webhook or subscription surface. The seventy events the platform emits are listed on the events page; what is not published anywhere is a topic to read them from or an endpoint to register.