# Cyclos4 Features Cyclos is a feature-rich online banking solution that is easy to use and maintain,flexible, secure and highly customisable. Cyclos provides a range of banking and payment options, a complete e-commerce system and high and low end mobileaccess channels. Cyclos is a scalable and cheap opportunity for banks to offer branchless banking.Cyclos is used by banks, C3 networks, MFIs, barters, innovative currencies and timebanks. The dynamic structure of Cyclos allows organisations to ‘build’ a dedicated payment system from scratch just by changing the configuration (without the hassle to make code changes).Discover the Cyclos 4 PRO features in these two sections:
# Cyclos 4 feature list Provides a detailed overview of the many features of Cyclos 4. An asterisk is placed after the feature to indicate:* Possible through Cyclos scripting engine** Planned features
# User interfaces & access * [x] **Web front-end** * [x] **Mobile App** (Android, iOS) * [ ] Mobile POS (Android, iOS) * [ ] SMS operations・API (restful and swagger implementation) * [ ] Cards (NFC supported) * [x] Webshop payment page * [ ] IVR* * [ ] USSD *
# Payments * [x] **User to user payments** * [x] Internal payment (between own accounts) * [ ] System to user payments * [ ] User to system payments * [x] Pay external (non registered) user using their mobile number or email address * [x] Scheduled payments (installments) * [x] Recurring payments * [x] Invoice payments * [ ] Bulk payments * [x] Webshop payments * [ ] Cash-in cash-out payments * [ ] PIN-less payments (optional thresholds, e.g. max payment amount and daily limit) * [x] **Payment requests** * [ ] Custom payment fields * [ ] Multi level transaction approval (authorizations) * [x] View authorisation flows * [x] Show transaction details * [ ] Qualify transactions * [x] View qualification of other users * [x] Roll-back payments * [x] **Loan repayment** * * [ ] Pay to QR code * [ ] Pay to NFC card * [ ] Pay to custom card
# Banking * [x] **Multiple currencies** * [x] Account numbers (custom or standard, e.g. IBAN) * [x] **Loans** * [x] Demurrage fees * [x] Interest fees * [x] Transaction fees * [ ] **Set custom conditions for fee applicability** * [x] Scheduled fees (contribution) * [ ] Brokering fees * [ ] Group credit limit * [x] Individual credit limit * [ ] Credit limit change log * [x] Credit overview & search * [x] Savings accounts** * [x] Minimum payment amount per payment * [ ] Maximum payment amount per payment, per day, per week and per month. * [ ] Maximum number of payments, per day, per week and per month. * [ ] Restrict destination of payments * [ ] Access rules per payment types * [ ] Transfer filters per account type * [ ] **Transfer status flows** * [x] Unique transaction ID per transaction * [ ] Unique payment settings per channel (SMS, etc.) * [x] System accounts (debit, community, etc.)
# Account information * [x] View account summary * [x] View current balance * [x] View charges & fees * [x] **View payment history** * [x] Print & export payments * [x] Search payments (user, date, description, etc.) * [x] View payment details * [x] Print payment details * [x] Dynamic payment filters * [ ] View average age of account balance * [ ] View average maturity of account balance
# User functions * [x] Registration form * [ ] Profile completion progress bar ** * [x] Update profile * [ ] User defined language * [x] **Geo-location per address** (Google Map) * [ ] Multiple pictures per profile * [ ] Multiple addresses * [ ] Multiple phones * [x] Verify phone for SMS banking * [x] Manage passwords * [x] Insert & manage custom images * [x] Upload & manage documents * [x] Notification preferences (per channel) * [x] Manage contacts * [x] **User directory search** * [x] **Show users/business on Map** * [x] **Search users by distance** * [x] Search users by group / branch * [x] Invite (new) user * [ ] Business referrals * [x] Custom user forms * [ ] Custom user operations
# Passwords & authentication * [ ] Login password * [ ] Transaction password * [ ] Verification code (OTP) by email or SMS * [ ] Change PIN * [ ] CAPTCHA input on public forms * [ ] Complete virtual keyboard (optional) * [ ] Smart secure virtual keyboard (optional) * [ ] Recover password (optional) * [ ] Reset password * [ ] Set Bcrypt hashing strength * [ ] Optional security questions
# User management * [ ] Register users * [ ] Disconnect user * [ ] Block / unblock user * [ ] Disable / enable user * [ ] Delete user * [ ] Change group * [ ] Give individual permissions (product) * [ ] **Perform actions in behalf of user** * [ ] Activate ‘pending’ users (public registration) * [ ] **Send message to user** * [ ] **Send message to group** * [ ] View connected users (per user role) * [ ] **Show member activities** * [ ] Filter by branch region * [ ] CRM features (user records) * [ ] User comments, history search * [ ] Define registration agreement * [ ] View user agreement history * [ ] View profile changes history * [ ] Manage documents * [ ] Upload documents * [ ] Show agents/brokers * [ ] Show users of agent/broker * [ ] Bulk operations (run on selection of users)
# Usability * [ ] Easy navigation * [x] **Personal dashboard page** * [ ] Quick operation icons * [ ] Quick search (users, contacts, adverts) * [x] Status overview (balances, last login, etc.) * [x] Real time notifications * [ ] Login with userID, phone number or e-mail * [ ] Picture viewer with navigation * [ ] View help file