Skip to main content
Every Reap program runs in one of two modes: Consumer or Corporate. Your mode is set by Reap when your program is configured, before you write a single line of integration code. It cannot be changed after launch. Your mode determines who gets verified, who can own accounts, and how cards are issued. These are foundational constraints, not configuration options. Read this page before starting your integration. Program mode is independent from your funding model, which controls where user funds are held and how card spending is backed.
If you are unsure which mode your program uses, contact your Reap account manager.

​
Consumer mode

Consumer mode is for programs that issue cards to individual users.
  • Each user must complete KYC before an account or card can be created.
  • Once approved, a user gets their own account with their own balance.
  • Cards are issued directly to the user and spend against that user’s account.
  • Accounts are always user-owned (ownerType: USER).

​
Corporate mode

Corporate mode is for programs that issue cards through a company or trust structure. KYB verification of the company is always required before users can be onboarded. When you create an account, you choose the owner type: USER or COMPANY. A corporate project can mix both.

​
Company-owned accounts

Used for expense management and business card programs where the company controls and funds the balance.
  • Create a company and initiate KYB.
  • Once the company is approved, create a company account (ownerType: COMPANY). This is the shared account all cards spend from.
  • Create employees and put each through KYC.
  • Cards can be issued once an employee is approved.

​
User-owned accounts

Used for trust and structured programs where a company or trust entity is required for compliance, but each individual funds and holds their own balance.
  • Create a company (or trust) and initiate KYB.
  • Create users associated with the company and put each through KYC.
  • Once a user is approved, create a user account for them (ownerType: USER, the default) and issue cards. Spending draws from that user’s own account.

​
How the modes compare

​
Key principles

  • Your program mode is fixed. Reap sets it during onboarding. It cannot be changed after the program goes live.
  • Account ownership is chosen per account. Pass ownerType when you create an account. COMPANY is only available in corporate programs.
  • KYC is always required for cardholders. In all modes, every person who holds a card must have an approved KYC application.
  • Users in corporate mode belong to a company. When you create a user in corporate mode, you associate them with a company. You can list and filter users by company.