Mandate collections software for loan repayment
Predicted-salary-window debit scheduling under valid customer mandates — money as integer minor units, never floating point, and every automated action attributable to a versioned rule.
Rule-based salary-window prediction
Predicted debit dates come from customer-confirmed paydays, historical credit patterns, or employer pay-cycles — with confidence scoring and full provenance. A prediction never creates debit authority by itself.
Mandate-gated debits
Every debit attempt is checked against an active mandate covering the amount, date, frequency, and account before it ever reaches the payment provider.
Notice and retry discipline
Configurable notice periods and bounded retry/attempt limits per instalment, enforced inside one locked transaction — no silent double-debits.
Idempotent by design
Debit requests, webhooks, imports, and reconciliation all use stable idempotency keys, so retries and replayed events never double-charge a customer.
Automatic pause on dispute or hardship
A raised dispute or hardship case places a compliance hold that blocks further debits until it's resolved — no manual reminder required.
Debit calendar
A single operational view of every scheduled, attempted, and completed debit across your portfolio.
See collections in your portfolio
Book a walkthrough with real mandate and debit-safety scenarios.