Use our robust and native integration between your system of record (Mambu Core) and your payment engine (Mambu Payments). By linking these products, you can automate the entire lifecycle of a loan, from automated disbursement to multi-channel repayment collection.

Workflows

Reflecting your loans and credit arrangements

sequenceDiagram
participant C as Your system
participant M as Mambu Core
participant N as Mambu Payments
participant S as Connector
autonumber
C->>M: Approve <br>credit arrangement and loans
M-->>N: "Approval" webhooks
N->>N: Create <br>credit_arrangement and loans object
N-->>C: "Creation" webhooks

You should first create and approve loans and/or credit arrangements in Mambu Core. This will trigger webhooks, that Mambu Payments will ingest to create the reflecting objects.

ℹ️

The loan (or credit_arrangement) ID is deterministically generated from:

• the ID of the corresponding object in Mambu Core
• your Mambu Payments tenant ID

eliminating the need to store the mapping:

loan.id=UUIDv5(namespace =legal_entity_id, name = loanAccount.ID)

You are the notified of the correct resource creation with a dedicated webhook sent from Mambu Payments.

Payment flows

Disbursing loans

sequenceDiagram
participant C as Your system
participant M as Mambu Core
participant N as Mambu Payments
participant S as Connector
autonumber
C->>N: Create beneficary account
C->>N: Attach beneficary account to <br>loan or credit arrangement
N-->>C: "Ready for disbursement" webhook
C->>N: Trigger disbursement
N-->>C: "Pending disbursement" webhook
N-->>C: "Payment pending approval" webhook
C->>N: Approve payment
N->>S: Send payment
S-->>N: Execution notification
N->>M: Book disbursement

You must then indicate to what account the funds should be sent to. This will be done by creating of an external account in Mambu Payments and attaching it to the loan (or credit arrangement).

Once done, you can trigger the disbursement. Mambu Payments automates the movement of capital through your preferred payment connector.

You can choose between two booking models:

• Automated ledger sync: Mambu Payments automatically triggers the "Disburse" transaction in Mambu Core the moment the payment reaches executed status.
• Event-driven orchestration: use our event-driven infrastructure to receive real-time status updates on the payment. This allows you to manage custom booking logic or multi-stage approvals within Mambu Core manually.

Collecting repayments

By direct debits

You must first create a direct debit mandate and attach it to your loan (or credit arrangement). Mambu Payment will then retrieve the upcoming installments from the Core schedule and automatically generates an outgoing SEPA or BACS collection, using the direct debit mandate attached.

sequenceDiagram
participant C as Your system
participant M as Mambu Core
participant N as Mambu Payments
participant S as Connector
autonumber
C->>N: Create direct debit mandate
C->>N: Attach direct debit mandate to <br>loand or credit arrangement
loop Every day
N->>M: Retrieve installments
N->>N: Create payment order
N-->>C: "Payment pending approval" webhook
C->>N: Approve payment order
N->>S: Send payment order
S-->>N: Execution notification
S->>N: Send account statement
N->>N: Reconcile payment
N->>M: Book repayment
end

By credit transfers

Mambu Payments monitors your connected accounts or vIBANs. When a transfer is identified, it matches the payment to the Loan ID and triggers a "Repayment" entry in Core.

• Credits on your main account

sequenceDiagram
participant C as Your system
participant M as Mambu Core
participant N as Mambu Payments
participant S as Connector
autonumber
C->>N: Create expected payment <br>attached to loan or credit arrangement
S->>N: Send account statement
N->>N: Reconcile expected payment
N->>M: Book repayment

• Credit on a dedicated account

sequenceDiagram
participant C as Your system
participant M as Mambu Core
participant N as Mambu Payments
participant S as Connector
autonumber
C->>N: Create internal account<br>attached to loan or credit arrangement
S->>N: Forward incoming payment
N->>N: Match payment to<br>internal account
N->>M: Book repayment

By card payments

Mambu Payments will payment captures and settlement files.

sequenceDiagram
participant C as Your system
participant M as Mambu Core
participant N as Mambu Payments
participant S as Connector
autonumber
C->>N: Create payment capture <br>attached to loan or credit arrangement
S->>N: Send card settlement file
N->>N: Enrich payment captures
S->>N: Send account statement
N->>N: Reconcile payment capture
N->>M: Book repayment