Collect Integration Playbook

Prerequisites

1. Active funding record
2. Processor split or bank-debit credentials configured
3. PAD authorization stored when required

Setup Steps

1. Retrieve the collection schedule.
2. Monitor processor-based collection events.
3. Trigger PAD when configured thresholds are missed.
4. Support hardship pause and resume workflows.
5. Escalate delinquency states into governance reporting.

Example Payloads

{
  "amount": 500,
  "reason": "weekly_cap_shortfall",
  "debit_date": "2026-03-11"
}

Testing

• Validate processor-split collections
• Trigger PAD fallback in sandbox

Go-Live Checklist

• Collection caps confirmed
• Fallback behavior verified
• Delinquency alerts configured