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Confusion around terms: "Customer Management" vs. "Customer Directory" vs. "Customer Accounts"

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I’m reading about the POS API and the ability to associate a transaction to a customer. But it says it will fail if the seller “doesn’t support customer management”. Which product/feature is this referring to? I only see “Customer Directory” and “Customer Accounts” referenced as features. Customer Accounts is a paid feature, so I’d like to know if including customer_id in the POS API is only available for sellers with the paid “Customer Accounts” feature, or if a seller may not have access to “Customer management” for other reasons.

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