NuPay Payment Integration

MaxCollect Module

This section details the essential, one-off setup required in MaxMoney before you can utilize the MaxCollect Payment Integration with NuPay.

LEDGERS

Proper ledger setup is crucial for tracking NuPay-related financial transactions.

Loan Payment Collection Ledger: NuPay Merchant Account

You need to establish a dedicated ledger for receiving loan payments collected through the NuPay integration.

• Navigate to: Setup > Accounting > Financial Ledgers.

• Configuration:

  • Set The control account type = Bank Sub-Ledger.

  • Set Financial Report = Statement of Financial Position.

  • Set Display Financial Category on Report = Bank Control Account.

  • Set VAT Type = None.

• For the NuPay Merchant Account, ensure Merchant CSP is selected as NuPay.

EVENTS

Financial events must be configured to correctly categorize NuPay transactions.

• Navigate to: Setup > Accounting > Financial Events.

Loan Creation - Payment Received

Create a financial event specifically for recording loan payments received from borrowers via NuPay.

• Action:

  • Debit the NuPay Account.

  • Credit the Debtors Control Account.

  • Set The Event Attribute = DebiCheck Receipt.

• Recommendation: Set up a separate event for each receipt type under Setup ? Accounting ? Financial event.

Payout - Load NuCard

Create a financial event for loan disbursements made to a borrower's NuCard.

• Action: Create a separate Financial Event for a payout to a NuCard and link this event to the cashbox.

Cash Box

Link the newly created financial events to your cash box(es) to ensure transactions are correctly routed.

• Navigate to: Setup > Branches > Cash Boxes > Edit Cash Box > Financial Events.

• Action: Link the relevant NuPay events.

DOCUMENTS

The system must be configured to generate NuPay payment collection mandates.

• Purpose: The borrower is required to sign a document for loan payment collections via the NuPay system.

• Setup: Configure the mandate for each NuPay type.

  • Navigate to: Setup > Documents.

  • Configuration:

    • Set Event Attribute Type = DebiCheck Receipt.

    • Set Language: English.

    • Set CSP: NuPay.

    • Ensure Enabled: Selected.

    • Ensure Use Master Document = selected.

    • Set Master Document = The mandate for NuPay Mandate.

RESOURCES

MaxMoney users require specific security access to manage loans, distributions, and repayments via NuPay.

• Navigate to: Setups > Security > Roles > Edit Role.

• Enable the following resources:

  CLIENT

  • Client: Client Tracking Days

  • Client: Payback Detail

  EMPLOYER

  • Employer: Employer Tracking Days

  HTML Printing

  • Print & Reprint a Payback Instruction

  LOAN

  • Loan: Create Payback Instruction

  • Loan: Loan Tracking Days

  • Loan: MaxCollect Parameters

  • Loan: Payback Type

  MAXCOLLECT

  • MaxCollect Manage Other Branch Payback Instructions

  • MaxCollect Manage Payback Instructions

  • MaxCollect Manage Payout Instructions

  • MaxCollect View Payback Instructions

  • MaxCollect View Payout Instructions

  PROCESSING

  • Processing Processing: Client Change Payback Type Batch

  • Processing Processing: MaxCollect: Reschedule of Payback Instruction Instalment Arrears

  • Processing Processing: MaxCollect: Resubmission of Instalments

  REPORT

  • Report CSP Setup Log Report

  • Report CSP User Setup Log Report

  • Report Declined Payback History Report

  • Report MaxCollect Loan Audit Report

  • Report MaxCollect Loan Instalment Report

  • Report Payback Type Performance Report

  SETUP

  • Setup MaxCollect CSPs

  • Setup MaxCollect CSP User Setup

  • Setup MaxCollect General

  • Setup MaxCollect Real Pay Bank Setup

  • Setup MaxCollect Tracking

  • Setup Payback Types Disabled

MAXCOLLECT (NuPay Specific Setups)

Configure the NuPay integration parameters within the MaxCollect setup menu.

Credentials

• Process: The merchant must request integration credentials from their Area Manager (AM). Once received, these credentials are provided to the merchants, who then supply them to you for configuration in MaxMoney.

• Uniqueness: Every merchant will have a unique set of credentials for use across all API methods.

General

• Navigate to: Setups > MaxCollect > General.

• Action: Configure NuPay as the Preferred CSP (Collection Service Provider).

CSP Users

Configure user access to enable payment collection and loan distribution features via NuPay.

Payback User

• Navigate to: Setups > MaxCollect > CSP User.

• Configuration:

  • There must be one payback super user per branch for the integration.

  • Crucial: Do not check the CSP Payout user checkbox for the Payback user.

  • In MaxMoney > Setups > MaxCollect > CSP User Setup, the Payback Super User should have an additional field: NuPay Terminal ID for TT3.

  • NuPay Terminal ID: Enter the last 10 characters of the terminal's serial number (found on the back of the terminal). Example: For MT280L3NMESBBA527, enter NMESBBA527.

Payout User

• Navigate to: MaxMoney > Setups > MaxCollect > Setups.

• Configuration:

  • A separate user account must be created specifically for NuCard Payouts. This means you will have two users for NuPay: one SuperUser for Paybacks and a separate one for Payouts.

  • Crucial: Do not check the CSP Payout user checkbox for the Payback user; only for the Payout user.

  • The credentials for the Payout user will differ from the Payback user.

  • Complete the Username (obtained from NuPay).

  • Complete the Password (obtained from NuPay). Note that NuPay may require periodic password changes.

  • Set CSP = NuPay.

  • Ensure Enabled is selected.

  • Complete the Merchant No (obtained from NuPay).

  • Ensure CSP Super User is Checked.

  • Ensure CSP Payout User is Checked.

  • Complete the NuPay Terminal ID (obtained from NuPay / serial number on the back of the terminal).

  • Complete the NuCard Profile Number (obtained from NuPay). This field should only be visible if CSP Payout User is Checked.

CSP (Payback Methods)

Exercise caution to avoid duplicate setups. Configure the NuPay payment stream parameters.

• Navigate to: Setups > MaxCollect > CSPs.

• Configuration:

  • Perform one CSP setup for the payback type DebiCheck Receipt.

  • Set Description: NuPay DebiCheck + Branch Name.

  • Set CSP: NuPay.

  • Set Enabled: Yes.

  • Set Payer Fee: off.

  • Set Payback Type: DebiCheck Receipt.

  • Set Preferred Choice: Selected.

  • Receipt Event: Choose the applicable event from the list.

  • Set Debit Value Type: Fixed.

  • Set Maximum collection rate: 1.5.

  • Set Adjustment category: never.

  • Merchant No: Obtain from NuPay.

  • Batch User: Select a valid CSP User for the branch.

Manage NuPay in MaxMoney

This section describes how to configure and manage NuPay-related settings for employers, clients, and during the loan process within MaxMoney.

Employer Configuration

Configure the dates on which employers pay their employees. This information is used for standard loan repayment dates.

• Navigate to: Employer > Edit Employer > Payback Information.

• Configuration: Set Payback Type = DebiCheck.

Authorisation Indicator

NuPay supports specific authorization indicators for DebiCheck debit orders:

• 0227 (TT2 delayed auth) - Not available in MaxMoney.

• 0228 (TT3 auth done).

• 0230 (TT1 RealTime with Bank Cellphone).

• NuPay does not support 0229 (TT1 RealTime with Client Cellphone).

Client Configurations

Client Bank Detail Configuration

Set up the borrower's bank information for loan repayments.

• Navigate to: Client Administration ? Search for a Client ? Edit Client ? Banking.

• Edit Bank Account and complete all required information.

• Validation:

  • Only selected banks are allowed.

  • Only selected branch codes are allowed.

  • Ensure the account type is correct.

  • Ensure the account number is correct.

• Checkboxes: Select the Enabled checkbox, the Preferred Choice checkbox, and the Payback and /or payout Account checkbox.

NuPay Bank Branch Codes

(This section appears to be a heading only, implying that NuPay specific branch codes may need to be considered or looked up separately.)

Client Wallet (NuCard) Configuration

The NuCard is configured as a Wallet rather than a traditional bank account and is used for loan disbursements.

• Navigate to: Client Administration > Search for a Client > Edit Client > Banking.

• Click "Add a New Wallet".

• Configuration:

  • NuPay should be available in the dropdown list for CSP.

  • NuCard should be available in the dropdown list for NuCard.

  • If CSP is NuPay, fields for Amber and Allps should be hidden, and two new fields should appear:

    • Registered at NuPay (default unchecked).

    • NuCard Sequence Number (obtained from NuPay).

• Error Prevention: The Wallet will not be created if there is an error. An error will occur if the NuCard Sequence number has already been used in another wallet.

• Registration Call: Clicking Save triggers a CSP_ADD_WALLET call to NuPay (visible in MaxCollect XML Space) to register the wallet for this specific client at NuPay.

• Registration Status: If the call to NuPay is successful, the Registered at NuPay field will update to True; otherwise, it will remain False.

Edit a Wallet

Once a wallet has been created (or attempted), you can edit it:

• If the wallet is registered at NuPay:

  • Only the cell phone number can be edited (by updating the Client Address).

  • If the Registered Wallet Cellphone Number differs from the MAXMONEY Client Cellphone Number and the user clicks Save, a call will be sent to NuPay to amend the wallet.

  • If the two cell phone numbers are the same, no amend wallet call should be made upon saving.

• If the wallet is not registered at NuPay (registration previously failed):

  • The user should still be able to edit the Sequence number.

  • The call to NuPay should be to add wallet, not amend wallet.

Client Payback Detail Configuration

Configure client payback information to align loan repayment dates with salary receipt dates.

• Navigate to: Client Administration > Search for a Client > Edit Client > Payback Information.

• Configuration:

  • Set Payback Type = DebiCheck.

  • Set Preferred CSP = NuPay.

Authorisation Indicator (Client Payback)

NuPay supports specific authorization indicators for payback:

• 0227 (TT2 delayed auth).

• 0228 (TT3 auth done).

• 0230 (TT1 RealTime with Bank Cellphone).

• NuPay does not support 0229 (TT1 RealTime with Client Cellphone).

New Loan Process (NuPay Specifics)

First Instalment Date

• NuPay Rule: NuPay requires that the first loan repayment date (start date) be at least 2 days in the future. Failure to comply will result in an Invalid Submit Date error.

MAXCOLLECT Parameters for New Loan

• The payback type must be DebiCheck Receipt.

• The CSP must be NuPay.

• The Preferred CSP Setup must be the specific CSP setup for the branch, unless the entire entity uses one merchant account and therefore only one Preferred CSP setup.

Authorisation Indicator (New Loan)

NuPay only allows the following authorization indicators:

• 0227 (TT2 delayed auth) - Not available.

• 0228 (TT3 auth done).

• 0230 (TT1 RealTime with Bank Cellphone).

• NuPay does not support 0229 (TT1 RealTime with Client Cellphone).

TT3 (Real-Time Terminal Transactions)

• The TT3 calls function similarly to TT1, with the key difference being the use of a physical terminal.

• Upon selecting Finish on the final screen of a loan (if it's a TT3 loan), the flow immediately transitions to the terminal.

• Any errors encountered will result in an error message displayed on the screen.

Loan Payout to Client (Wallet Selection)

• On the last page of a new loan, you should be able to select the client's wallet for loan disbursement in the Payment to Client field.

• The availability of enabled wallets depends on the CSP of the wallet.

• It's possible for a client to have both a preferred Allps wallet and a preferred NuPay wallet, provided separate events are set up for each.

• Based on the CSP of the Financial Event, once a wallet is selected, the system searches for and displays wallet details in the Payout Wallet field. This will show either:

  • No Wallet Found

  • Multiple Wallets Found

  • Or details of the specific wallet.

• The selected wallet must be Enabled, Preferred, and Registered at Allps/NuPay, depending on the CSP of the Financial Event.

• If there's an issue with the wallet (e.g., no wallet found) and the user clicks Finish, an error message will be displayed.

Completing the Payout

• Once the user clicks Finish and no errors are present, a call is sent to NuPay to disburse the loan amount to the client.

• If the payout call fails, but the loan and PIN (Payback Instruction Number) succeeded, the process should continue to the next page with a warning message on the screen.

• Tip: The response of the Payout to Client call will include the balance on the card.

• Dependency: The Payout instruction will not be sent to NuPay if the Payback Instruction (PIN) fails.

Loan Process (General Notes for NuPay)

When using the general loan process with NuPay, note the following:

New Loan

• On the final page of a new loan, the user selects the wallet, with error handling similar to the normal loan flow.

Loan Payout (Separate Instruction)

• The user will create the Payout instruction separately from the loan creation.

Create Payout Instruction

• Navigate to: Client Administration > Search for a Client > Loans > Create Payout Instruction.

• Previous Activation Rules: Previously, this button was active only if the CSP of the Payback Instruction (PIN) was ALLPS AND the status of the PIN was either Active or Loaded AND the FEA (Financial Event Attribute) was either Wallet or Bank Account.

• Current Inclusion: This functionality now also includes NuPay.

• Error: An error will occur if a Payout instruction for the loan has already been created.

• View Payout Instruction: View created payout instructions under Client Administration ? Search for a Client ? Loans ? Payout Instruction.

Payback Instruction

• View Payback Instruction: View payback instructions under Client Administration ? Search for a Client ? Loans ? Payback Instruction.

• Cancellation: To cancel a payback instruction, Edit it and change its status to Cancelled.

Rescheduling

• This functionality is not yet available.

Process Payment Deduction Receipt Responses

• Automatic Processing: Payments received via NuPay are automatically processed by the back-end servers.

View Unsuccessful Payment Deduction Receipt Responses

• Logs:

  • Navigate to: Processing > log > MaxCollect PHI Import. Highlight an entry and click "Print Error". These payments must be recorded MANUALLY.

  • Navigate to: Processing > log > MaxCollect DPH Import. Highlight an entry and click "Details" to view the reason for payment failure.

View Successful Payment Deduction Receipt Responses

• Logs:

  • Navigate to: Processing > log > MaxCollect PHI Import. Highlight an entry and click "Print Success" to view successfully processed payments.

Receipt Report

The following reports can be generated to view payments received and receipted in MaxMoney:

• Reporting ? Accounting ? Receipts between dates report

• Reporting ? Accounting ? Detailed Ledger Report: Select your NuPay Control Ledger.

• Reporting ? Loan ? Receipt Detail report.

Reconcile the Amount Received in the Bank

• Verification: Verify that the amount in your NuPay control ledger matches the amount received in your bank account for a specific date.

  • Generate a detailed ledger report: Reporting > Accounting > Detailed Ledger Report, selecting your NuPay Control Ledger.

  • Alternatively, generate a detailed receipt report: Reporting > Accounting > Receipts between dates report, selecting receipt/payback type = NuPay DebiCheck.

• Posting to Bank Account: Once your control ledger balances, post the daily amount to the NuPay bank account ledger.

  • Navigate to: General Ledger > Process Transactions > Process a Transaction.

  • Use the journal event you have previously set up.

Batch Processing

Update Client Payback Information

To update client payback information in a batch:

• Navigate to: MaxMoney - Processing - Client - Process Client Change Payback type Batch.

• Selection: Enter the criteria for the CURRENT payback information that needs to be updated.

• New Information: Enter the new payback information you wish to apply to the clients.

• Confirmation: Review the changes to ensure correctness before confirming.

• Execution: Select Confirm changes = Yes if you are certain about the changes, then click Finish.

• Status: The process will enter the queue and display a "Completed" status upon completion.

• Results: Click on the completed process entry to view the results.

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