API Reseller
CMS API
Loan account lookup and cash collection posting for lending institutions, with a consolidated settlement file per institution and a per-collection audit trail.
What you get
- Loan account lookup by number or registered mobile
- Collection posting with instant customer receipt
- Consolidated per-institution settlement files
- Daily reconciliation output
- Per-collection audit trail
The contract
- Auth
- Issued credentials per key pair, over TLS. Signed requests where the rail requires it.
- Lookup
- Loan account by account number or registered mobile.
- Posting
- Collection posted with an instant customer receipt reference.
- Settlement
- Consolidated file per lending institution, one per cycle.
- Audit
- Per-collection trail retained and retrievable.
- Environments
- Sandbox mirrors production semantics, including failures.
FAQ
About cms api
Can a collection be posted against the wrong loan account?
The lookup returns the account holder's details before posting, so the operator confirms the name at the counter. Posting without the lookup is possible but not advisable — the receipt reference is the customer's only proof, and correcting a misposted collection is a manual exercise with the lender.
How does the lender reconcile a day's collections?
From the consolidated settlement file, one per institution per cycle, which lists every collection with its receipt reference. That file is what the lender reconciles against, not individual API responses.