Repayment by card

Card repayment uses payment captures and card settlement files. Mambu Payments enriches each capture with settlement data, reconciles it against the account statement, and books the repayment in Mambu Core.

Step-by-step

1. Create a payment capture. Call POST /payment_captures with the loan or credit arrangement ID, the expected card repayment amount, and the card reference. This registers the anticipated repayment.
2. Receive the card settlement file. Your card connector delivers the settlement file to Mambu Payments. Mambu Payments matches each settlement record to the corresponding payment capture and enriches it. Fires payment_capture.enriched.
3. Receive the account statement. Your connector forwards the account statement to Mambu Payments. Mambu Payments reconciles the enriched capture against the settled amount.
4. Book in Mambu Core. On successful reconciliation, Mambu Payments books the repayment transaction and fires incoming_payment.cbs_transaction_booked.

Sequence diagram

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

Webhooks

Card settlement files are processed automatically as they arrive from your connector. No manual action is required between file receipt and Mambu Core booking.