Customer accounts are used to record the financial results of customer transactions. For Acquirer Customers, accounts are linked to every merchant hierarchy entity set up for each merchant, down to the Terminal level. On the Issuer side, customer accounts may be linked to any of the following: Customer, Cardholder, Card, with many-to-many relationships possible.

SmartVista supports several customer Account Types, such as Current (Checking), Loan, Credit, Savings, etc., with different usage rules and transaction flow definitions behind them to support the various product offerings that the bank may wish to extend to their customers.

Because all these accounts are used for the processing of card transactions, i.e. mechanisms are in place to control their status and also to differentiate between the different types of balances and amounts that may apply to the account in a processing situation, such as Ledger Balance, Available Balance, Held Amount, Dispute Amount, Frozen Amount. These are called Customer Sub-Accounts.