Customer profile

A CustomerAPI is your dashboard's record of someone who paid you. The profile carries their name, email, phone, address, every payment, every refund, every saved card, and signals XPay surfaces about how they shop. This page covers how to find a customer in your list, what each section of their profile means, and how to add or remove a record yourself.

Most customers appear here on their own. When someone pays through Hosted Checkout or a Payment LinkAPI without you specifying who they are, XPay creates a record so you can find them later. You can also create a record directly when you want a known account on file before any payment.

What you can do

Browse and filter

Search by ID, name, email, or phone. Filter to Registered or Guest customers. Page through the list at any size.

See spending at a glance

Total spend, total refunded, and a monthly volume chart sit at the top of every profile.

Drill into history

Open any customer to see their transactions, payment methods, related accounts, and XPay's customer signals.

Add or remove

Create a customer record yourself when you need one. Delete a record that has nothing linked to it.

Find a customer

In the dashboard sidebar, click Customers. The list page shows everyone with payment history on your account, plus anyone you've created directly.

The columns at a glance:

Column	What it shows
Name	The customer's name. A Guest badge appears next to the name when XPay created the record automatically during checkout.
Email	The primary email on the record.
Phone	The primary phone with country code.
Latest Payment Method	The most recent card or wallet they paid with.
Country	The country on the most recent billing address.
Date Created	When the record first appeared in your account.
Total Spent	Lifetime gross spend.
Total Refunded	Lifetime refunds against their payments.

Above the table, the search box matches customer ID, name, email, and phone. Paste a comma-separated list to look for several at once. The Type filter narrows the list to Registered (records you or the API created) or Guest (records XPay created automatically). Click any row to open the profile.

Create a customer

Add a customer record yourself when you want a known account on file ahead of any payment. Click Create customer in the top right of the list page.

Open the create sheet

Click Create customer. A side sheet opens.

Fill in contact details

Enter Name, Account email, and Mobile Number. At least one contact method (email or phone) is required.

(Optional) Add an address

Under Address, enter Country, City, Line1, Line2, Postal Code, and State. The full address feeds into receipts and tax handling.

Click Create customer

The button at the bottom saves the record. You land back on the list with a "Customer created successfully" toast.

If you don't see the Create customer button, your role lacks the customer-write permission. Ask an account admin to grant it.

Read a customer profile

Click any customer to open their profile. Sections appear or hide based on what's actually on the record. A guest with no payments shows you a thin profile; a registered customer with transactions, refunds, and saved cards shows you everything below.

The customer's name (or email, if no name) sits at the top, with a Guest badge when the record came from a checkout. The action menu in the top right holds Delete Customer.

Insights

The Insights section shows lifetime Total Spend with a monthly chart, plus Refunds and Transactions totals. Hover the chart to see a specific month's spend and refunds.

Customer Details

Customer Details lists the primary record fields: Customer ID (copy with one click), Customer since, Email, Country, Address, Mobile Number. Guest customers also show Alternative Emails and Alternative Numbers, the other contact info XPay has linked to the same person across visits.

Customer Intelligence

A panel of signals XPay derives from this customer's behavior, like Top Spender, Frequent Buyer, High Refunds, or Multi-Card User. Each signal carries a one-line detail (a percentile, a trend, a count) so you know what triggered it. See Customer signals for the full list and how to act on them.

Transactions

Every payment this customer has made on your account, with status, amount, payment method, and date. Click any row to open the full transaction.

Invoices and Subscriptions

If the customer has invoices or subscriptions on your account, those appear in their own tables below the transactions list, each filtered to this customer.

XPay surfaces other records that share an email, phone, or card with this one:

On a registered customer's profile: Related Guest Payments lists guest checkouts XPay matched to this person, and Related Guest Customers lists the guest records sharing identifiers.
On a guest customer's profile: Related Customer Accounts lists the registered records sharing identifiers.

Use these to correlate a guest's checkout history with the registered account they later signed up for. See Guest customers for how the matching works.

Payment Methods

Each card or wallet the customer has paid with sits in the Payment Methods list. Click a row to expand it. For cards you'll see the masked number, fingerprint, expiry, brand, cardholder name, and issuing country. For Valu you'll see the loan number and tenure.

Delete a customer

Open the customer's profile, click the action menu in the top right, and choose Delete Customer. Confirm in the dialog.

Deletion only works for records with nothing linked to them. A customer with any transaction, refund, payment method, invoice, or subscription cannot be deleted, and the dashboard surfaces a "Failed to delete customer" toast when you try.

The right time to delete is when you created a record manually, never used it, and want it off the list. For records with payment history, leave them in place. The full history depends on the customer record staying.