> ## Documentation Index
> Fetch the complete documentation index at: https://test-docs.upayments.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Customers

> Customer profiles, lifetime value, and transaction history

# Customers

Customers are automatically created from transaction data. Every unique email address becomes a customer record.

## How Customers Are Created

Customers come from two sources:

1. **Transaction extraction** — After each sync, unique email addresses from transactions are matched or created as customer records. Tagged with `Txn` badge.
2. **NMI Customer Vault** — If your NMI account uses the Customer Vault for stored cards, those records are synced directly.

## Customer List

| Column            | Description                                           |
| ----------------- | ----------------------------------------------------- |
| **Name**          | First + last name from transaction data               |
| **Email**         | Primary identifier — used for deduplication           |
| **Transactions**  | Number of successful (approved/settled) transactions  |
| **Total Spent**   | Lifetime revenue from this customer (successful only) |
| **Last Purchase** | Date of most recent transaction                       |

### Metrics Bar

* **Total** — All customers in the selected date range
* **Avg LTV** — Average lifetime value across all customers
* **New This Month** — Customers whose first transaction was in the current calendar month
* **Repeat Rate** — Percentage of customers with 2+ successful transactions

<Tip>
  "New This Month" counts customers by their **first transaction date**, not when the customer record was created. This ensures accuracy even for backfilled data.
</Tip>

## Customer Detail

Click any customer to view their full profile:

### Overview Cards

* **Total Spent** — Lifetime revenue (successful transactions only)
* **Transactions** — Count of successful transactions
* **Credit Balance** — Account credit balance
* **Last Purchase** — Date of most recent transaction

### Contact Information

Email, phone (if captured in transactions)

### Subscriptions

Any detected or NMI subscriptions linked to this customer. Click to view subscription detail.

### Payment History

Full transaction history for this customer with status, payment method, amount, and date. Paginated with clickable rows.

### Risk Indicators

<Note>Requires Growth tier or above</Note>

* **Health Score** — 0-100 based on payment success rate, tenure, activity, frequency, and revenue
* **Decline History** — Count and reasons for declined payments
* **Approval Rate** — Personal approval rate vs. portfolio average

### Activity Timeline

Chronological log of all transactions with status indicators.

### Internal Notes

Add notes visible to your team about this customer.