# Use Cases
source: https://developer.mastercard.com/consumer-clarity/documentation/use-cases/index.md

This section provides sample use cases for implementing your enriched transactions solutions using the Consumer Clarity API and Smart Subscriptions API.

These sample use cases help you understand the flow as you implement your enriched merchant and transaction solution in either the digital or call center channel.

## Use Case in the Digital Channel {#use-case-in-the-digital-channel}

1. A cardholder signs in to your mobile or online banking app. After they're authenticated, they can choose to see a list of their credit card transactions at which point:

2. You send a POST request to the Consumer Clarity API.

3. Our API validates and processes the request and returns a payload response for each matching search criteria.

   The payload response includes an exact merchant name and description. It can also include merchant contact information and their logo, if the merchant has provided one. In addition:
   * If the merchant is on the Ethoca network, a link to the digital receipt is returned in the response.

   * If the transaction is identified as a subscription, details are provided in the response, including frequency and other relevant details of the subscription, such as past and upcoming payments.

     If a subscription is manageable, the cardholder can submit requests, such as canceling and changing their plan.
4. The cardholder sees the list of enriched transactions in the app and can select a transaction to get more detail.

5. You provide the detailed transaction to the cardholder, based on the response you received from the Consumer Clarity API.

### Viewing a digital receipt {#viewing-a-digital-receipt}

A link to the digital receipt is returned in the response if a merchant is on the Ethoca network. Here's how you can present that to the cardholder.

* Include some logic in your mobile or online app to display a **View Receipt** button or link for the transaction.
* If available, the cardholder can select **View Receipt** to see a digital representation of the receipt for that transaction.

### Managing a subscription {#managing-a-subscription}

If a transaction is identified as a subscription, details are returned in the response for the POST request made to the Consumer Clarity API. If a cardholder would like to manage a subscription, perform these steps:

* In the Smart Subscriptions API, send a POST request to the `/actions` endpoint to initiate an action, such as **Cancel** or **Change Plan**.

  * The response will include a unique **Action ID** and questions from the merchant that require input from the cardholder so that Ethoca can fulfill the action on their behalf.

  * In certain instances, the response provides detailed instructions and a link directing cardholders to the merchant's website where they can independently cancel their subscription. This process is referred to as *self-serve* or *guided* cancellations.

* Display the questions or instructions to the cardholder in a dynamic form.

  * To submit the action, send a PUT request with the cardholder's responses to the `/actions` endpoint. A successful response will include an estimated processing time for the request, which can be displayed to the cardholder on a confirmation screen. In addition, you can use `flowState` to determine which notifications are delivered, select appropriate UI templates for rendering, and enhance tracking and transparency features available to the cardholder.
* If eligible, a merchant can return a retention offer after the cancellation request is submitted, which you can display to the cardholder to accept or decline. Their response should be passed back to the merchant as a PUT request to the `/actions` endpoint, using the secondary "Action Options Survey". The merchant can then fulfill the original request (**Cancel**) or process the cardholder's acceptance of an offer.

### Sequence Diagram {#sequence-diagram}

Diagram diagrams-sub-cntrl

## Use Case in the Call Center Channel {#use-case-in-the-call-center-channel}

A cardholder contacts you to ask about a transaction they don't recognize or to file a dispute claim. An API POST request is sent to Ethoca Consumer Clarity with the Call Center service, which requests comprehensive transaction details from the merchant.

Detailed merchant and purchase information is returned in real-time, either through a "call-center" url or in raw JSON format from the API.

You can use the url to retrieve the information for offline review and investigation, or to discuss the information with the cardholder. Or if you use the API, the information is provided in the output of your organization's choice, such as imported into a data lake or data warehouse, or displayed in your own internal CRM tools.

### Sequence Diagram {#sequence-diagram-1}

#### For the backoffice-searches endpoint {#for-the-backoffice-searches-endpoint}

Diagram diagrams-call-center

#### For the transaction-data endpoint {#for-the-transaction-data-endpoint}

Diagram diagrams-call-center-fpt

## Next Steps {#next-steps}

* Look over our [Tutorials and Guides](https://developer.mastercard.com/consumer-clarity/documentation/tutorials-and-guides/index.md) for assistance in setting up your project and running tests in a sandbox environment.
* Use the [API Reference](https://developer.mastercard.com/consumer-clarity/documentation/api-reference/index.md#apis) information for details about the fields and values relevant to your specific needs.