A account blocking feature in a bank is a critical control tool used to ensure regulatory compliance (judicial blocking, AML/CFT, etc.), prevent fraud (suspicious or fraudulent transactions), and manage administrative and contractual situations (customer due diligence updates, etc.).

General overview

• Some account blocks are partial (debit only), while others are complete (credit and debit).
• Blocks are made from the webdesk exclusively
• Banks are required to inform the customer, except in certain cases (e.g., when a judicial investigation is in progress).

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Process

The block and unblock functionalities are available only through the Webdesk.
As a Webdesk user, you can block an account, but you cannot unblock it by yourself.
To unblock an account, please contact our Banking team through a zendesk ticket.

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Status diagram

stateDiagram
Activated --> Frozen
Frozen --> Activated
Frozen --> Closed
Activated --> Closed: refere to account closure
Closed --> [*]

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Sequence diagram

sequenceDiagram
autoNumber
Actor Enduser
Participant Partner
Participant XPO

Note over XPO: Account blocked

XPO -->> Partner : callback 45 {"accountStatus": "Frozen" <br/>"blockDetails": { "blockType": "Debit", "blockReasons":[ "InactiveClient"]}}

Note over Enduser, Partner: As a partner, <br> you must inform the customer that an action <br> is being taken  on its account.

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Type of block: full vs. debit

According to the reason, the block can be only on debit operations, or on all transactions.

blockType = Debit : all outgoing operations are blocked, except R-transactions and offline card operations.

blockType= Full : all operations are blocked, except R-transactions and offline card operations.

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Rules

⚠️ For an individual user as well as for a professional user, if an account is blocked, you can not create a new account.