> For the complete documentation index, see [llms.txt](https://docs.timvero.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.timvero.com/release-log/release-notes-8.0/payment-hub.md).

# Payment Hub

`NEW`

***

## The Problem

In real life, clients often have **multiple loans in one Financial Institution**. However, they do not always pay the way we expect them to - right on time and for each loan separately. This is when it can **become a nightmare for the accounting team**. **How to distribute** one Transaction containing Payments for multiple loans? **What payment to cover** in the first place? **How to manage** unallocated amounts? This creates operational overhead, complicates reconciliation, and distorts payment behavior analytics.

***

## The Solution

This is where Payment Hub will shine the most! It will **enable unified payment processing across multiple loans** through a single transaction entry point. This feature **addresses the operational inefficiency of fragmenting consolidated payments** into individual loan-level transactions while preserving accurate payment analytics and audit trails.

Key capabilities:

* **Single entry point** - One transaction captures the total received amount from the client
* **Smart Distribution** - Automatic allocation across multiple loans based on configured rules
* **Manual Distribution** - Create payments on specific loans when needed
* **Flexible tracking** - Complete payment history accessible from client record
* **Unallocated amount management** - Track and manage partial allocations

<figure><img src="/files/tbRgypIlzWubN7QTdl3s" alt=""><figcaption></figcaption></figure>

***

## The How

### SDK Perspective

Payment Hub and allocation logic is configured entirely through the SDK. The SDK defines:

* Loan prioritization rules (which loans receive funds first)
* Tranche ordering (priority within credit lines)
* Obligation hierarchy (order of principal, interest, fees, penalties)
* Distribution algorithms per project

***

## Related Documentation

| Layer              | Documentation                                                                               | Description                 |
| ------------------ | ------------------------------------------------------------------------------------------- | --------------------------- |
| SDK                | <https://documentation.timvero.com/#payment-hub-automatic-payment-allocation>               | Developer integration guide |
| Admin Panel Ops    | [Transactions](/timveroos-admin-panel-documentation/v.8.0/ops/02-servicing/transactions.md) | Daily usage guide           |
| Business Functions | [Payment Hub](/timveroos-business-functions/v.-8.0/payment-hub.md)                          | Business context            |


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