Allps Promissory

Basic promissory management in Mobiloan

Welcome to the Allps Promissory Screem

Mobiloan’s integration with Amplifin automates key financial tasks, reducing manual work and minimizing errors. With this seamless integration, users can efficiently:

• Add and Manage Mandate Installments – Automate installment creation for smoother loan repayment tracking.

• Create Registered Mandates – Set up mandates directly within the platform for improved control and compliance.

• Edit Promissory Notes – Modify loan agreements with ease while maintaining accuracy.

Our intuitive interface enables users to:

• Create, edit, and suspend mandates effortlessly within Mobiloan.

• Maintain complete control over loan repayment schedules.

Allps Promissory Screen

Loan Payout & Installment Tracking

• Loan Payout Summary – A comprehensive table displaying all loan disbursement details, providing a clear financial snapshot.

• Installment Table – A detailed breakdown of repayment plans (mandates), including:

  • Presentment Dates – Scheduled dates for payment processing.

  • Tracking Days – Days assigned for monitoring repayments.

  • Additional Details – Any other relevant financial insights.

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Editing Existing Debit Order Parameters

Outlined below are some of the adjustments that can be made on an active promissory.

Editing the presentment date	Select the corresponding installment and pick the desired presentment date. This will make the installment disputable by the client.
Editing the Tracking Days	Select the corresponding installment and enter the desired number of tracking days. Enter zero to cancel tracking.
Editing the installment amount	Select the corresponding installment and enter the desired amount. This will affect both disputability and loan balance. You may need to add another installment in this case.
Adding a new installment	Select the Primary button and choose "Add Installment" to open the "Add Installment Modal."

The amount that is missing gets auto-filled in the instalment amount field.

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Security of Debit Orders

When making adjustments to mandate parameters, consider the following key points:

• Handling Failed Mandates: If a mandate has already run its course (i.e., the presentment date has passed) and failed, the recommended approach is to add an installment for the outstanding amount.

  • Navigate to Promissory Menu > Add Installment to record the new installment.

  • This method maintains the security of the mandate, reducing the likelihood of disputes.

• Mandate Disputes: A mandate can still be disputed if the following responses are received from allps ->

'REGISTERED': 'The mandate is a Registerd Mandate and open to disputes.';
'MIGRATED': 'The mandate has been migrated from NAEDO and is open to disputes.';
'ARREARS': 'The instalment has failed previously and is open to disputes.';
'USAGE': 'The mandate is a usage based mandate and the instalment amount exceeds the instalment amount. The instalment is open to disputes.';
'DATE': 'The instalment date is not aligned with the mandate instalment date. The instalment is open to disputes.';
'AMOUNT': 'The amount is not aligned with the mandate and is open to disputes.';
'DATE_AMT': 'Both the date and amount is not aligned with the mandate and is open to disputes.

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Viewing Promissory Status Changes

Selecting the status column will present the user with the following options:

• Activate the Instalment, for promissory' s that have been manually suspended, selecting this option will activate it.

• Suspend the Promissory, user's action to stop the collection from taking place.

• Bank Responses, for a given installment, selecting this option will display the bank's responses that has been received by Amplifin for the debit order.

The status column

The bank responses for a given installment

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Promissory Menu Options

By selecting the Options Button in the Allps Promissory Screen, the user will have the following options

Add Installment	Add a new installment to the existing promissory, useful when splitting the total amount repayable when overdue.
Edit promissory	Used to create a new Debi-check mandate to alter attributes such as Date Adjustment, Tracking Days, Authentication Method and Installment Date.
Suspend Promissory	Submit a suspension to Allps (Amplifin) on this promissory note.
Cancel Promissory	Cancels the promissory, useful when creating a new promissory. (The option to create new will be available once cancelled!)
Print Promissory	View/ Share/ Print the promissory mandate.
User Actions	This option allows you to view the Allps Responses received on the promissory mandate.
Bank Accounts	Allows you to quickly view and edit the details of the clients bank account
View Employment	Allows you to view the employment linked to this client.
View Sassa Dates	Presents the user with the approximated SASSA payout dates for the next 7 months

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Creating RMS Transactions

Conditions under which RMS Transactions may be created

• Only DebiCheck contracts where the last initiation attempt for a specific contract reference failed in the previous 10 days with "No response from the debtor (NRSP)" (reply code 6022) can be registered for an RMS transaction.

• Only in such event will Mobiloan allow the option to Register the Mandate as an RMS Transaction

The Mandate Registration Process.

• The registration follows a batch initiation route and will only be completed when a confirmation message is received from the debtor bank.

• The current contract and payer details will be used to register the mandate in the RMS stream, with the exception of the first date and amount.

• If the first date and amount are specified and they are within 2 days of the current date, they will be omitted.

• The process outlined in this document is specific to the scenario where clients don't receive a response on a debicheck.

• The same Promissory ID will be used.

• If you have any questions about this process, please contact your supervisor or the appropriate support team.