This internal operational guide outlines the protocol for automating loan disbursements through the Collexia Payout Integration within the MaxMoney system. It details a dual-merchant framework where specific credentials, such as Global IDs and merchant account numbers, must be configured within the financial ledger and accounting setups. The documentation provides a step-by-step workflow for initiating new loans, which triggers automatic transfer requests directly to the Collexia Enhanced Credit system. Additionally, the manual explains how staff can manage payout instructions and perform real-time status enquiries to confirm if a transaction is completed, rejected, or cancelled. By following these procedures, the organisation ensures secure auditing and streamlined financial mapping across its branch cashboxes.
This guide provides the necessary steps to configure and execute loan payouts through the Collexia integration within MaxMoney. This integration streamlines disbursements by linking loan creation directly to Collexia’s Enhanced Credit system.

1. Overview

The Collexia Payout feature enables automated disbursements to clients. To ensure security and clear auditing, the system utilizes a dual-merchant structure:

• Merchant A : Used for uploading contracts.
• Merchant B : Used exclusively for routing subsequent disbursements via a unique Merchant ID and Global ID (GID).

2. System Configuration

Before processing payouts, the following setups must be completed in MaxMoney - Setups .

2.1 MaxCollect (CSP User) Setup

Navigate to: Setups > MaxCollect > CSP User

• User: Select the MaxMoney username.
• CSP Username: Enter the UACIDprovided by Collexia.
• Password: Leave empty.
• CSP: Select Collexia .

2.2 Financial Ledger Setup

Navigate to: Setups > Accounting > Financial Ledgers. Configure the following fields using the specific details provided by Collexia:

• Merchant CSP: Collexia
• Merchant Bank : (e.g., FNB Namibia)
• Merchant Account Number : Unique account number per branch/provider.
• Merchant Account Type : (e.g., Current)
• Merchant Reference: Enter the unique GlobalId (e.g., 12584).

2.3 Financial Event Setup

Navigate to: Setups > Accounting > Financial Event

• Event Attribute: Set to Payment to Client Bank Account.
• Debit (Dr): 1000-0000
• Credit (Cr): Select the Collexia Payout Account Ledger.

2.4 Cashbox Mapping

Navigate to: Setups > Branches > Cash Boxes > Edit Cash Box

• Open the Financial Events tab.
• Select and link the Collexia Payout Event created in the previous step.

3. Loan Creation & Payout Process

3.1 Initiating a New Loan

Navigate to: Client Administration > Search for Client > New Loan

• Capture loan details as per standard procedure.
• Select Payment Event : Choose the "Payment to Client" event.
• Note: Only events linked to your active Cashbox will appear. For Collexia integration, the event must have the attribute Payment to Client Bank Account and the CSP must be Collexia .
• Click Finish . This automatically triggers an encrtransferrequest to Collexia.

3.2 Managing Payout Instructions

You can view the status of a disbursement by navigating to: Client Administration > Search for Client > Loans > Payout Instruction
Triggering a Manual Payout Instruction: If a payout needs to be triggered manually from an active loan:

• Highlight the loan and select Create Payout Instruction .
• The system validates that the loan is Active and the CSP is Collexia.
• The encrtransferrequest is sent, and the entry is saved to the Payout Table.

4. Payout Status Enquiry

To check the real-time status of a disbursement (getting the final fate):

• Navigate to the Payout Instruction screen.
• Select the desired record and click the Payout Enquiry button (available only for Collexia CSP).
• This triggers the encrtransferinforequest.
• The system will display the following data returned from Collexia:
• Status (Completed, Cancelled, or Rejected)
• Date & Time
• Amount Paid Out
• Response Code & Description

Note: The Payout Instruction status in MaxMoney will automatically update once Collexia returns a final status of "Completed," "Cancelled," or "Rejected." It can take up to an hour before Collexia has the final fate available.