DgPaysDgPaysEverest Card
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Journey 02

Managing a card

Everything after launch: limits, customer self-service controls, lifecycle events, day-to-day money movement, billing and disputes.

6 sections · 15 steps

Limits

Card and customer limits within product ranges, with full audit trail.

  1. Read limits

    Card-level and customer-level limits with current usage.

    availableLimitfor display and checks

  2. Change limits

    Raise within the product range, or decrease — optionally cascading to the customer limit and all main cards.

    changeLogIdfor audit

Controls & restrictions

Customer self-service switches: e-commerce, international, contactless — permanent or time-boxed.

  1. Read current controls

    Permission switches and channel operation limits per period.

    restrictionCodelist to render

  2. Update permissions

    Toggle switches, optionally with an end date — a travel window that reverts automatically.

    endDateauto-revert

Card lifecycle

Status changes, replacement, PIN care and step-up verification through the card’s life.

  1. Status changes

    Block, close or reactivate with scheme reason codes; cascade rules between main and supplementary cards apply.

    newStatuswith affected cards

  2. Replace and renew

    Reissue for damage, loss or renewal — courier, branch, or instant stock.

    maskedCardNumberof the new card

  3. PIN and verification

    Change PINs and run partial-CVV step-up checks without moving full secrets.

    verifiedstep-up result

Transactions & history

Money movement and everything you can read back.

  1. Post and quote payments

    Quote fees first, then post; codes drive statement narratives.

    utidthe transaction key

  2. Cash advance

    Quote the total cost, execute to the linked account, list what is still cancelable.

    authorizationCodefor the receipt

  3. History and detail

    Current period for home screens; the full read for statements-to-date; detail by utid.

    currentDebtreconciled

  4. Reversals

    Same-day reversal by utid; after the window closes, the dispute path takes over.

    reversedconfirmed

Statements & repayment

The billing cycle: statements, minimum due, payments in — own card or pay-another-card.

  1. Retrieve statements

    Headers per period, then line-item detail.

    minimumDue / dueDatefor repayment UI

  2. Take a payment

    Pay from a linked account; validate the target PAN first for pay-another-card.

    utidpayment reference

Disputes

Chargeback handling aligned to scheme timelines (Mastercom, VROL, BKM).

  1. Open and evidence a case

    Present scheme reason codes, open against the utid, attach documents.

    caseIdtrack to resolution

  2. Track and manage

    List cases with status; withdraw at customer request.

    statusthrough resolution