Payback

Navigation: Client Administration > Add a New Client > Payback

This screen is used to define how a client will repay their loans, including the payment method, frequency, and specific rules for handling paydays.

Video Tutorial

For a visual guide on how to capture a client's payment collection information, watch the video link - https://www.youtube.com/watch?v=60oshTp2b5Q

User Permissions: To edit the information on this page, your user profile must be assigned the Client : Payback Details role by a System Administrator.
Collection Service Providers (CSPs): If you use a third-party CSP (e.g., Amber, SureSystems, Allps, NuPay, Real Pay, Paym8, Collexia), you must follow their specific integration and data entry guidelines.
Early Debit Order (EDO): In line with the NCR's Affordability Assessment Guidelines, the recommended tracking period for early debit order systems is limited to a maximum of 10 days.

This table details each field on the "Payback" screen, its requirements, and specific rules.

Field Name	Required?	Description & Rules
Payback Type	Yes	Select the client's primary method of repayment. This will be the default method for new loans, but it can be changed per loan. Changes to this field are logged. Available options include: • AEDO Receipt • ATM Receipt • Cash Receipt • Credit Card Receipt • DebiCheck Receipt • Debit Card Receipt • Debit Order Receipt • EFT Receipt • MCT/TMCT/TSP Receipt • NAEDO Receipt • Nampost Receipt (Namibia only) • NuPay/Paym8/RealPay Receipt • Salary Deduction Receipt • Social Grant EFT Receipt • Two Day EFT Receipt

Field Name	Required?	Description & Rules
Payment Frequency	Yes	Select how often the client receives their salary (e.g., Weekly, Monthly).
Payment Move Direction	Yes	Defines how to handle a payday that falls on a non-business day. • Sunday/Public Holiday Backward: Payday moves to the day before. • Sunday/Public Holiday Forward: Payday moves to the day after. • Weekend Backward: Payday moves to the Friday before. • Weekend Forward: Payday moves to the Monday after. • Leave on: The pay date is not moved.
Day of Month	No	If paid monthly on a specific date, enter the day (e.g., "25" for the 25th).
Day of Week	No	If paid weekly or fortnightly, select the specific day of the week.
Day of Month Rule	No	Use if the client is paid monthly but not on a fixed date (e.g., "Last Day of Month," "Last Friday of Month").

Field Name	Required?	Description & Rules
December Day of Month	No	If the client is paid early in December, enter the specific date for that month.
Easter Day of Month	No	If the client is paid early during Easter, enter the specific date. Note: You will receive an error if you enter a date that does not exist in the selected month (e.g., entering "31" for April).
Easter Month of Year	No	Select the month in which Easter falls for the given year.

Field Name	Required?	Description & Rules
MaxCollect: Payback Parameters	N/A	This describes the system logic: The CSP Setup is automatically selected based on the Payback Type and the Preferred CSP Setup. The values can also be inherited from the client's Employer or Pay-point setup.
Preferred CSP	Yes (if using MaxCollect)	Select the primary Collection Service Provider for this client.
Preferred CSP Setup	No	Select the specific setup for the chosen CSP. This will be used as the default during loan creation.
Tracking	Yes (if using MaxCollect EDO)	Enter the number of days the CSP should track the client's bank account for due EDO instalments.
December Tracking	No	If a different tracking period is used in December, enter the number of days here.
Type of Authorization Required	No	Select the type of transaction authorization required: None, TT1, RealTime TT2, TT3, or TT1 Delayed.
SureSystem Note	N/A	When selecting MCT Receipt for SureSystem integration, the tracking days option will be displayed according to the specific setup.

Save: Stores all new information and changes you have made.
Cancel: Discards all changes made on the screen.
Close: Closes the current page and returns to the client search page.
Back: Takes you to the previously viewed page in the client creation process.
Next: Saves the current page and proceeds to the next screen.