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
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
SDK
https://documentation.timvero.com/#payment-hub-automatic-payment-allocation
Developer integration guide
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