Account closure
You can ask for an account closure following your customer request or if your customer doesn't, for example, follow your service rules. In the first case the effective closure will take 30 days, in the second the closure will take 60 days.
Please note that an account closure can only be asked on a null balance account (ie : the account owner might payout the remaining balance for its closing request to be agreed)
To allow sandbox testing, the closing delay time in production is immediate. As a consequence, the expectedCloseDate is set to the date of the closure request.
To achieve "Closed" status, the following prerequisites must be met:
- All operations must have a final status (i.e., all card authorizations are either completed or expired).
- The account balance must be €0, both in terms of authorization balance and accounting balance.
A request to close an account is irreversible.
State diagram
Flowchart
Account status PendingClosure
To initiate an account closure, the balance must be empty. If this is not the case, it is necessary to make a call beforehand:
- add a beneficiary
- SCT OUT
As soon as the account statut is PendingClosure, the account is frozen
| Type of transaction | Acceptation |
|---|---|
| SCT OUT | Refused |
| SCT IN | Refused |
| Recall SCT OUT | Accepted |
| Recall SCT IN | Refused |
| IP IN | Refused |
| IP OUT | Refused |
| Recall IP IN | Refused |
| Recall IP OUT | Refused |
| SDD IN | Refused |
| SDD OUT | Refused |
| Top-up | Refused |
| Refund Top-up | Refused |
| Top-up contestation | Accepted |
| Card out authorisation | Refused |
| Card out settlement | Accepted |
| Card out offline | Accepted |
| Card in (card out refund) | Accepted |
| Card out contestation | Accepted |
| P2P | Refused |
| Debt | Accepted |
| Corrective operation (internal XPO) | Accepted |
If charges are to be levied, it is important to do so before the account closure request
Account closed
30 / 60 days later, the account automatically changes from PendingClosure to Closed.
If the holder's balance has been topped up during this period, all funds are automatically sent to the beneficiaryAccountId indicated in the request made for the closure-request.
| Type of transaction | Acceptation |
|---|---|
| SCT OUT | Refused |
| SCT IN | Refused |
| Recall SCT OUT | Refused |
| Recall SCT IN | Refused |
| IP IN | Refused |
| IP OUT | Refused |
| Recall IP IN | Refused |
| Recall IP OUT | Refused |
| SDD IN | Refused |
| SDD OUT | Refused |
| Top-up | Refused |
| Refund Top-up | Refused |
| Top-up contestation | Charged to the Xpollens's holding account |
| Card out authorisation | Refused |
| Late card out settlement | Charged to the Xpollens's holding account |
| Card out offline | Charged to the Xpollens's holding account |
| Card in (card out refund) | Charged to the Xpollens's holding account |
| Card out contestation | Charged to the Xpollens's holding account |
| P2P | Refused |
| Debt | Charged to the Xpollens's outstanding account |
| Corrective operation (internal XPO) | Accepted |
Operations credited in the Xpollens's outstanding account are refunded manually to the enduser.
Technical items
Closure request
POST /api/v3.0/accounts/{accountId}/closure-request
if the end user is a prospect, with no funds in their bank account: you can use the API without the
beneficiaryAccountId.if the enduser's account is validated or has funds, the request must include the
beneficiaryAccountId. Without this, the account can never be closed, as the account balance will never be €0.
In the case that the external account used to receive the funds is frozen / blocked / closed / ..., the funds cannot be returned. In this case, a manual intervention by Xpollens will be necessary to return the accounts to another account.
Best pratices
Collect debts before closing the account
Commission cannot be taken out once the account has been closed. It is therefore essential to collect debts before closing the account.
Remove the charges taken from these accounts in the batches
Commission cannot be taken out once the account has been closed. It is therefore essential that accounts in ClosureRequested, Pendingclosure and Closed status are removed from the fee-taking batches.
FAQ
FAQ1: What does the application do when a customer closes an account?
As soon as an account closure request is made, it is essential to cut off access to the functionalities:
- Sepa transfers (standard SCT or IP)
- Card creation
- Mandate creation & SDD creation
FAQ2: When is the latest account statement available?
The last account statement is generated in the first few days after the account status is changed to Closed.