Payers & Personal IBANs
A payer represents the person who funds a policy's premiums, and belongs to a subscriber. Each payer can register one or more personal IBANs used to collect single and recurring premium payments.
Payer
A payer is created against an existing subscriber, with a validated email and phone number.
Personal IBANs
- An IBAN is validated on registration, and its country must be authorized.
- The same IBAN cannot be registered twice for the same payer.
- One IBAN can be marked as the default for the payer — it cannot be deleted while it holds that status.
- An IBAN cannot be deleted while it is still associated with a premium request.
Direct debit
Failed direct debits are tracked per payer so they can be identified and retried.
Safe retries
Creating a payer and registering a personal IBAN accept the optional X-Quarzo-Life-Idempotency-Key header. A retry with the same key and request returns the original response without creating anything again, and the same key with a different request returns 409 IDEMPOTENCY_KEY_CONFLICT. Requests without the header behave as before.