Accounts and Settlements

[dmdj03]

[mjallday]

As a user of the dashboard I'd want to see all customers who have money in their sweep account waiting to be paid out.

I'd also want to be able to pay settle all those accounts.

[dmdj03]

Customer page: • Shows customer balance • Tab layout to navigate between Orders, Disputes, Settlements, Payment methods, and Logs/Events • Orders tab divides payments into two tables: one for orders and one for unlinked transactions • Transactions are nested under each order • Main actions: create an order for this customer / settle balance

Filters:

Settlements tab: • Credits/Reversals are nested under each settlement • Each settlement also indicates direction of funds

Filters: • You can choose to collapse the settlements and hide the credit information

Settlement details page: • Shows the associated credits

Customer balance page: • Divides view into settled and unsettled credits

Settlement modal for a positive balance into the merchant's bank account:

Settlement modal for a negative balance, debiting funds from the merchant's bank account:

Separate settlements tab: • To minimize the complexity of the payments table, settlements are given their own table

Customers tab: • New customer balance column • Filter amount to view all customers with positive balances

[mjallday]

@dmdj03 generally excellent, here's a couple of thoughts:

1. 

   If we're calling this customer account here maybe we should do it in the API spec too? Currently it's a "payable" account in the API. I don't care what terminology we use but consistency is king.

2. As a customer I would like a view to see all unsettled customers.
3. When I look at the customer how do I see all the transactions that have not been settled to them?

4. 

   I think the more natural language here is "Successful credit" rather than "Credit succeeded"

[dmdj03]

@mjallday I meant to say "customer balance" not "customer account." Account is too general and confusing—it may sound like an actual physical account.

[dmdj03]

@mjallday the last screenshot of the customer table enables you to see all unsettled balances from customers

[dmdj03]

@mjallday I think the current language is more natural. Some of them may work both ways, but "Credit succeeded" lends itself to a grammatically correct sentence should a description follow. It's less natural to write a complete sentence starting with "Successful credit..."

[dmdj03]

@rserna2010 can you take a look at this?

[dmdj03]

To accommodate settlements as well as the need to reflect a payable account balance and order balance, the customer page will be structured as follows:

Tab system separating buyer activity from merchant activity. For most customers who take on a single role—either buyer or merchant—the page will default to the tab with activity. The reason for separating the two out is so we can reflect the balances and show how it tabulates in the tables below. The merchant activity tab view will be split between orders and settlements. Tables below reflect "active" orders in which the merchant has not been paid. That total is the "funds owed" amount.

The tables group the transactions by order. You'll see the associated transactions per order that are relevant to this customer. Since this is the merchant activity view, you'll see credits, reversals, and settlements made to this customer.

[dmdj03]

Settlements:

Tables are divided between unsettled credits and settled credits:

View of an empty settlements page:

[dmdj03]

Buyer activity:

View is grouped by order showing associated holds, debits, and refunds as part of the buyer activity.

[dmdj03]

Payment methods tab:

[dmdj03]

Settlement details page:

Shows the individual credits that make up the settlement

[dmdj03]

New settlements tab:

View is split between unsettled credits and settled credits:

[mjallday]

unsettled credits -> unsettled transactions maybe?

otherwise you're going to have to do a separate tab for reversals and any other transaction types that may be created in the future

[dmdj03]

Customer tab

Addded a payable balance column and total funds owed column in addition to a role column. The role helps you identify the relevancy of these balances to the merchant role and not the buyer role.

[dmdj03]

Customer page, merchant activity view:

Changes: • Load more button treatment • Total funds owed placement • Indicate # of transactions in an order • Separate the payable account section as its own page

Buyer activity:

Payment methods:

Changes: • Added the payable account as a payment method

Payable account page:

[dmdj03]

Payment methods tab:

[dmdj03]

Bank account details page showing orders and settlements:

[kyungmin]

@dmdj03 Orders are not displayed in the settlement page and payable account page. Is this intentional? Also what would it look like if there are reversals?

[dmdj03]

I'm only showing the credit from the order. Same with the table for the main settlements tab. Otherwise, we would have to sacrifice space and double the height of each row for each credit/order.

Are you referring to a "reversal" settlement? Since we're not distinguishing it with a new term, the arrow icon will point backwards in the payment methods column.

[kyungmin]

I'm referring to an actual Reversal made to a Credit, which is not common but may happen.

I'm only showing the credit from the order.

Which order are you referring to? Shouldn't the credits grouped by orders in the settlement/account page?

[kyungmin]

On the settlement page, I wonder if it makes more sense to group the credits by order, instead of repeating the settlement.

[dmdj03]

Here's an example of settlements with reversals from the customer account back to an order

https://cloud.githubusercontent.com/assets/2037452/5363516/8a06f9d8-7f91-11e4-97f3-cbcd47a3918e.png

[kyungmin]

How do I know which Credit this Reversal was for?

[dmdj03]

You would have to look at the reversal details page.

[dmdj03]

What do you mean instead of repeating the settlement?