Settings & Customer-Facing Text: What Lenders Can Edit vs. What Lendsqr Controls

Understanding who can change what in your Lendsqr setup is important for operating your lending business confidently. This article explains the three-tier settings system in pecunia-backend, what it means for your organization, and which customer-facing text elements you can customize directly.

How the settings system works

Every setting in Lendsqr is tagged with a change_by value that determines who is allowed to modify it. There are two levels:

Level	`change_by` value	Who can edit
Lendsqr Admin–Only	`lendsqr`	Lendsqr staff only
Global/Open	`global`	Your organization’s admin

Settings at the Lendsqr Admin–Only level are protected by middleware and cannot be changed by lender organizations — even if you have full admin rights within your own organization. Settings at the Global level are open for lender organizations to customize.

What Lendsqr controls exclusively

The following settings are restricted to Lendsqr staff. These exist to protect deliverability, prevent fraud, and maintain regulatory compliance.

Sender identity (email & SMS)

Setting	Slug	Description
Email Sender Name	`email_sender_name`	The display name shown in the “From:” field of all customer emails
Email Sender ID	`email_sender_id`	The actual sending email address (stored encrypted)
SMS Sender ID	`utility_sms_sender`	The sender name or shortcode shown on customer SMS messages
SMS Sender Prefix	`sms_sender_name_prefix`	A prefix prepended to SMS sender names (e.g., “PCN-“)
Admin Mailing List	`admin_email_mailing_list`	A list of admin email addresses for platform notifications

Why lenders cannot change these:
Sender names are what customers see as the source of official communications. Allowing custom sender names without verified domain setup would create spoofing and phishing risks, and could cause emails to be flagged as spam. All outbound email must originate from a verified Lendsqr-managed domain (lsq.app, lsq.email, or lendsqr.com).

If you attempt to set a custom sender email outside these domains without SMTP configuration, you will receive an error:

“Unable to perform action — set a custom sender email without SMTP setup. Use an lsq-managed sender email or contact support.”

What your organization can edit

Email and SMS message templates

These are the actual messages your customers read. Organization admins can fully customize them. All templates use Handlebars syntax for variable interpolation (e.g., {{first_name}}, {{account_number}}).

Template slug	When the customer sees it
`email_template_user_invitation`	When invited to your lending portal
`email_template_user_inactive`	When their account is deactivated
`email_template_mandate_signature`	When asked to sign a mandate
`email_template_mandate_active`	When their mandate becomes active
`email_template_beneficiary_added`	When a new beneficiary is added
`email_template_beneficiary_active`	When a beneficiary is activated
`email_template_beneficiary_inactive`	When a beneficiary is deactivated
`sms_template_mandate_invitation`	SMS with a mandate signing link
`sms_template_emandate_activation`	SMS confirming e-Mandate activation
`email_template_eod_summary`	Daily end-of-day summary email

All of these have change_by: global, meaning your organization’s admin can update them from the settings panel.

Loan and product settings

Setting	Slug	Type
Enable loan applications	`allow_loan_applications`	Boolean
Minimum card expiry (months)	`minimum_card_expiry`	Integer
Match card with bank account	`match_card_with_bank`	Boolean
Loan reversal period (days)	`loan_reversal_period`	Integer
Draft loan expiry (days)	`loan_draft_expiry`	Integer
Require branch information	`require_branch_information`	Boolean
Require ecosystem check	`require_ecosystem_check`	Boolean
Require Mobile Banker Scheme	`require_mbs`	Boolean
Use ML for loan decisions	`use_machine_learning`	Boolean
Maximum guarantor loan amount	`max_guarantor_loan`	Decimal

Card and payment settings

Setting	Slug	Editable
Enable card payments	`allow_card_payments`	✅ Yes
Accept Verve cards	`accept_verve_cards`	✅ Yes
Card authorization charge	`card_authorization_charge`	✅ Yes

Plan-based access

Some settings are only available on specific subscription plans. If your organization attempts to change a setting that is not included in your current plan, the API will return an error. Contact Lendsqr support to discuss plan upgrades if you need access to additional settings.

Need to change a restricted setting?

If you need to change a setting that is marked as Lendsqr Admin–Only — such as configuring a custom email sender domain with SMTP, or updating payment provider — contact Lendsqr support. All changes to restricted settings are audit-logged with timestamps, admin ID, and IP address.