Customer Payments

Core Banking processes payments automatically, so you can't insert payment records manually. Payment information is displayed at the contract level, within the Payments tab. For convenience, you can also view each performed payment, along with its allocation details, on the Customer Payments page.

To manage the list of payments, follow these steps:

1. Log into FintechOS Portal.

2. Click the main menu icon at the top left corner.

3. In the main menu, expand the Core Banking Operational menu.

4. Click Customer Payments menu item to open the Customer Payments page.

On the Customer Payments page, you can:

• Search for a specific record by filling in any or all the column headers of the displayed records list.

• Open a specific a payment from the list by double-clicking it. The payment record itself can only be viewed, and not edited.

• Delete a payment in Draft status by selecting it and clicking the Delete button at the top right corner. Any payment with a status different than Draft cannot be deleted.

Payment Statuses

A payment record has the following statuses, visible next to the payment number on the Payment page:

• Draft - the status of a newly created record that was not yet sent for allocation. The payment amount is not allocated yet as repayment for the contract's repayment notification. You can delete records with this status.

• Unallocated - the status of a payment record before its amount gets allocated as payment for a repayment notification.

• Partially Allocated - the status of a record after some of its amount gets allocated as payment for a repayment notification.

• Allocated - the status of a record after its entire amount gets allocated as payment for a repayment notification. There is no further transition from this status.

Viewing Payment Records

Payment records can be viewed in the FintechOS Portal, on the Edit Payment page.

1. To view a record, double-click the desired payment on the Customer Payments page. The Payment page is displayed.

2. View the following information about the selected payment:

Field	Details
Payment No	The number of the payment.
Customer	The name of the customer associated with the payment.
Payer Name	The name of the payer.
IBAN	The IBAN of the account where the money is being paid.
Transaction Date	The date of the payment transaction.
Currency	The currency of the payment.
Bank Reference	The bank reference for the payment.
Bank Charge	The amount charged by the bank for performing this transaction.
Total Payment Amount	The sum of the payment amount and the bank charge value.
Payment Amount	The amount of the payment.
Allocated Amount	The amount that was already allocated as a contract's repayment for a notification for the selected customer.
Unallocated Amount	The amount that remains to be allocated as a contract's repayment for a notification for the selected customer.
Comments	Any comments referring to the payment.

The page also displays the Payment Allocation section. This section is empty for payments in Draft or Unallocated status. The payment allocations for due repayment notifications are automatically calculated by Core Banking and they are displayed after the record reaches the Allocated or Partially Allocated status.

3. View more details about each allocation by double-clicking it.

The payment allocation record opens in the Allocation Overview page, displaying the following information:

Field	Details
Contract Id	The contract for which the payment was allocated.
Payment	The number of the payment.
Payment Date	The date of the payment.
Currency Id	The currency of the payment.
Allocation Value	The value of the allocation.
Repayment Notification	The repayment notification for which the payment was allocated.
Operation Item	The operation item which was repaid with this allocation.
Delay Days	The days passed since the due date.
Contract Installment No	The number of the contract installment.
Installment Due Date	The due date of the installment.
Notification Maturity Date	The notification's maturity date.
Notification Remaining Value	The notification's remaining value to be paid.