Customer website authentication and access settings
Manage users' credentials and access to the customer website.
For those using LoanPro’s configurable customer website, we offer the ability to manage authentication using the credentials created by LoanPro. We also provide easy-to-access settings that will give you control over what customers can see and do when they log in to the website.
Authentication
To authenticate users, follow the process below to use the credentials created by LoanPro. This will allow you to use LoanPro to manage usernames and passwords. If you are building your own customer website, you can also manage your own authentication.
The following basic steps are required to do this:
- Create a login form that gathers username and password.
- When the login form is submitted, call the LoanPro customer authentication endpoint to see if the credentials are valid.
- Handle the success (200) or failure (401) responses to either grant or deny access to customer data
- Use the customer id, returned with a 200 response, to get data for the correct customer through the LoanPro API
The endpoint for this call is as follows:
POST https://loanpro.simnang.com/api/public/api/1/tenants({tenantId})/customers/authenticate
The payload should look something like the following:
{ "username":"jdoe", "password":"johnq1!", "logout":"https://google.com"}
Loan access settings
The 'Loan Access' settings for customer website give you control over what customers can see and do when they log in to the website. You can update loan access settings by navigating to Settings > Website > Access Settings > Loan Access. The following sections will describe how to change each setting and how it affects the customer website.
Loan summary
The loan summary area is divided into three sections: general, payment information, and collateral tracking. You can control what the customer can view in each area using the toggle switches to the right of each item.
General
- Allow access to the loan summary section: Turn on or off the entire ‘Loan Summary’ tab.
Payment information
- Amount due: The amount that is currently due on the loan.
- Credit available: Difference between the current principal balance on the loan and the credit limit.
- Credit limit: Credit limit on the loan.
- Days past due: Number of days the account is past due.
- Next payment amount: Amount of the next payment that will come due on the loan.
- Next payment due: Date the next payment on the loan will come due.
- Payoff: The payoff amount for the loan.
- Principal balance: The outstanding principal balance on the loan.
Collateral tracking
- VIN: The VIN of the collateral if the collateral is a vehicle.
- A: The information entered in collateral field A.
- B: The information entered in collateral field B.
- C: The information entered in collateral field C.
- D: The information entered in collateral field D.
Payments
The payments area of the loan access settings lets you control the types of payments and payment methods that can be accepted by the customer website. This page is divided into four sections: general, payment options, payment list, and payment restrictions.
General
- Allow access to the payments section: Turn on or off the entire ‘Payments’ tab.
Payment options
- View current amount due: Turn on or off the current amount due.
- View next payment due: Turn on or off the amount of the next payment due.
- View payoff amount: Turn on or off the payoff amount.
- View principal balance: Turn on or off the principal balance.
- Credit/debit card payments: Choose whether credit/debit payments are allowed on the customer website.
- Bank account payments: Choose whether bank account payments are allowed on the customer website.
If view current amount due, view next payment due, view payoff amount, or view principal balance are enabled, they will only show up if a payment is being made through the customer website. After selecting to make a payment, a new screen will show up in which the payment information should be entered. The enabled information can only be seen if the drop down arrow next to the payment amount is clicked on.
Payment list
- Amount: The payment amount.
- Date: The payment date.
- Payment title: The payment title.
- Payment type: The payment type
- View receipt: Give the customer the option to view the payment receipt.
Payment restrictions
- Set max payment amount (credit/debit): Set the maximum allowed amount for credit/debit payments.
- Set min payment amount (credit/debit): Set the minimum allowed amount for credit/debit payments.
- Set max payment amount (bank account): Set the maximum allowed amount for bank account payments.
- Set min payment amount (bank account): Set the minimum allowed amount for bank account payments.
- Pay extra towards (between periods): Choose which extra towards option you’d like for payments that are accruing interest between periods. Options include next payment and principal only.
- Pay extra towards (between transactions): Choose which extra towards option you’d like for payments that are accruing interest between transactions. Options include classic, classic v1, classic v2, principal, and principal only.
- Payment type: Choose the payment type for payments made through the customer website.
- Authorization type: If using a bank account for payments, the customer can choose how to authorize the payment. Options include WEB, TEL, PPD, and CCD.
To set maximum or minimum payment amounts, make a selection from the drop-down. Options include amount past due, payoff, principal balance, scheduled payment amount, fees due, interest due, interest + fees due, and fixed amount. If you choose fixed amount, you will be shown another field where that amount can be entered. Once you enter it, it is automatically saved.
Payment profiles
The payment profiles area is divided into two sections: general and payment methods.
General
- Allow access to the payment methods section: Turn on or off the entire ‘Payment Profiles’ tab.
Payment profiles
- Edit payment profiles:Turn on or off the ability to edit existing payment profiles.
- New bank account: Turn on or off the ability to add a new checking account.
- New credit/debit card: Turn on or off the ability to add a new debit card.
AutoPays
The AutoPays area is divided into two sections: general and methods.
General
- Allow access to the AutoPays section: Turn on or off the entire ‘AutoPays’ tab.
AutoPay methods
- Edit autopay: Turn on or off the ability to edit existing AutoPays.
- Schedule new autopay: Turn on or off the ability to add new AutoPays.
Transactions
The AutoPays area is divided into two sections: general and methods.
General
- Allow access to the AutoPays section: Turn on or off the entire ‘AutoPays’ tab.
AutoPay methods
- Edit AutoPay: Turn on or off the ability to edit existing AutoPays.
- Schedule new AutoPay: Turn on or off the ability to add new AutoPays.
Documents
The documents area lets you choose whether the customers will have access to the documents tab on the customer website.
General
- Allow access to the documents section: Turn on or off the entire ‘Documents’ tab.
Document lists
- Open/download document: Turn on or off the ability to open or download documents.
- Upload document: Turn on or off the ability to upload a document.
Insurance tracking
The insurance area lets you choose to allow access to the insurance tab on the customer website.
General
- Allow access to the insurance tracking section: Turn on or off the entire ‘Insurance’ tab.
Insurance tracking information
- Update insurance tracking info: Turn on or off the ability to update insurance info.
General
The general area lets you choose whether to charge customers a convenience fee for payments made through the customer website.
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