# Creditor Management
source: https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/use-cases/creditor-management/creditor-management/index.md

## Overview {#overview}

The creditor management use case enables the creditor service provider to carry out four key operations. The creditor service provider can:

* Onboard new creditors onto Mastercard.   
* Activate or deactivate creditors who are already onboarded onto Mastercard.   
* Add or update the profile information of creditors.   
* Add or update the payment settlement details, also known as the designated settlement system (DSS), for creditors who are on Mastercard.  

## Creditor Onboarding {#creditor-onboarding}

The creditor onboarding service allows the creditor service provider to onboard new creditors onto the Mastercard platform. A creditor service provider cannot use any link or payment APIs without onboarding a creditor.
The creditor service provider needs to provide the CSPId (received from the Mastercard Implementation Manager during onboarding) and CreditorId to register the creditor in Mastercard.   

![](https://static.developer.mastercard.com/content/account-to-account-commerce-for-csp/documentation/images/creditor-onboarding.png)

The following are the execution steps:   

1. A creditor requests to be onboarded to account to account and the creditor service provider sends a creditor onboarding request to `/customers/{creditor_service_provider_id}/creditors` endpoint.   
2. Mastercard application validates the requests for data format, duplicate creditor onboarding, and other business rules. Upon successful validation, Mastercard stores the CreditorId and maps it to the CSPId and returns the onboarding status to the creditor service provider.   
3. Optionally, the creditor service provider can send a retrieve creditor profile request to `/customers/{creditor_service_provider_id}/creditors/{creditor_identifier}` endpoint to fetch the creditor information and status.   
4. Mastercard will respond with the creditor profile stored during onboarding.   

## Manage Creditor Activation Status {#manage-creditor-activation-status}

The Manage Creditor Status service allows the creditor service provider to update the status of the creditor on the Mastercard platform. The creditor service provider can activate or deactivate a creditor on the Mastercard platform at any time.   

![](https://static.developer.mastercard.com/content/account-to-account-commerce-for-csp/documentation/images/manage-creditor.png)

The following are the execution steps:   

1. The creditor service provider has received a request to deactivate an active creditor and sends creditor status update request to `/customers/{creditor_service_provider_id}/creditors/{creditor_identifier}/status-info` endpoint using the CreditorId.   
2. Mastercard will validate the request, change the status of the creditor to DEAC, and respond to the creditor service provider.   

## Manage Creditor Profile Information {#manage-creditor-profile-information}

The Manage Creditor Profile service allows the creditor service provider to update the profile of a creditor. A creditor service provider can update the name, address, and logo of the creditor using this service.  

![](https://static.developer.mastercard.com/content/account-to-account-commerce-for-csp/documentation/images/manage-creditor-profile.png)

The following are the execution steps:   

1. A creditor service provider receives a request to update the profile of a creditor and send a creditor profile update request to `/customers/{creditor_service_provider_id}/creditors/{creditor_identifier}/creditor-profile` endpoint using the CreditorId and attributes to change.   
2. Mastercard validates the request, updates the profile of the creditor, and responds to the creditor service provider.   

## Manage Creditor Settlement Profile {#manage-creditor-settlement-profile}

The Manage Creditor Settlement Profile service allows the creditor service provider to add and update the creditor-designated settlement service account on the Mastercard platform.   

![](https://static.developer.mastercard.com/content/account-to-account-commerce-for-csp/documentation/images/manage-creditor-settelment.png)

The following are the execution steps:   

1. A creditor requests to add a settlement account to the creditor service provider, who then sends a creditor settlement profile request to `/customers/{creditor_service_provider_id}/creditors/{creditor_identifier}/creditor-dss-profiles` endpoint using creditorId.   
2. Mastercard validates the request, adds the settlement account to the creditor profile, and responds back to the creditor service provider.   
3. CSP can also update the settlement account by initiating an Update DSS Profile Request by calling `/customers/{creditor_service_provider_id}/creditors/{creditor_identifier}/creditor-dss-profiles/{designated_settlement_service_id}` endpoint to Mastercard.   
4. Mastercard will validate, update the DSS profile, and acknowledge.

### Additional Information {#additional-information}

1. Look at the [API Reference page](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/api-reference/index.md) for information on how to implement this use case.
2. Look at the [Code and formats](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/code-and-formats/index.md) for acknowledgement responses and business rules.