Repayment Allocation Notification

Use Case

Use this webhook when the lender needs to notify Fundiin of debt allocation after the lender has processed a payment. This endpoint supports batch allocation, so multiple installments can be updated in one request.

After this webhook, the lender should also send an Installment Schedule Notification to refresh the full loan state.

Integration: STANDARD only

Request

POST /lender/open/notify/repayment-allocation

See Lender Notification API Overview for base URL, request headers, HMAC signature, common request fields, idempotency, and response format.

Request Body

The request body includes the Common Request Fields plus the fields below.

Parameter	Type	Required	Description
contractNumber	String		Contract number.
lenderReferenceId	String	Conditional	Stable application or loan identifier generated by the lender. See Loan Identification.
repaymentType	String	Conditional	NORMAL, EARLY_SETTLEMENT, or PARTIAL.
repaymentTransactions	JsonArray		List of repayment allocation transactions. See Data of repaymentTransactions.

Data of repaymentTransactions

Attribute	Type	Required	Description
lenderTransactionCode	String		Transaction code from the corresponding Payment Receipt Notification.
bankTransactionSequenceId	String	Conditional	Sequence ID assigned by the lender bank. Links this allocation to the Payment Receipt event.
allocationDatetime	Timestamp		Datetime when the allocation was performed. Format: yyyy-MM-ddTHH:mm:ss+0700.
installmentId	String	Conditional	Installment ID generated by the lender.
installmentNumber	Number		Installment sequence number. Sufficient to identify the installment.
allocatedPrincipal	Number	Conditional	Principal amount allocated in VND.
allocatedServiceFee	Number	Conditional	User Service Fee allocated in VND.
allocatedPenalty	Number	Conditional	Late Payment Fee allocated in VND.
allocatedTotal	Number		Total amount allocated: allocatedPrincipal + allocatedServiceFee + allocatedPenalty.

Example Requests

Simple required fields only

{
  "requestId": "WH_REQ_202507150002",
  "fundiinApplicationId": "APP1234567890",
  "lenderCode": "LENDER_A",
  "requestingDatetime": "2025-07-15T09:10:00+0700",
  "contractNumber": "CNTR20250530001",
  "repaymentTransactions": [
    {
      "lenderTransactionCode": "LENDER_TXN_123456789",
      "allocationDatetime": "2025-07-15T09:08:00+0700",
      "installmentNumber": 1,
      "allocatedTotal": 1054000
    }
  ]
}

Full request with breakdown and bank reference

{
  "requestId": "WH_REQ_202507150002",
  "fundiinApplicationId": "APP1234567890",
  "lenderCode": "LENDER_A",
  "requestingDatetime": "2025-07-15T09:10:00+0700",
  "contractNumber": "CNTR20250530001",
  "lenderReferenceId": "LN20250530001",
  "repaymentType": "NORMAL",
  "repaymentTransactions": [
    {
      "lenderTransactionCode": "LENDER_TXN_123456789",
      "bankTransactionSequenceId": "BANK_SEQ_202507150001",
      "allocationDatetime": "2025-07-15T09:08:00+0700",
      "installmentId": "INS_001",
      "installmentNumber": 1,
      "allocatedPrincipal": 916000,
      "allocatedServiceFee": 138000,
      "allocatedPenalty": 0,
      "allocatedTotal": 1054000
    }
  ]
}

Early settlement with two installments

{
  "requestId": "WH_REQ_202508010001",
  "fundiinApplicationId": "APP1234567890",
  "lenderCode": "LENDER_A",
  "requestingDatetime": "2025-08-01T10:00:00+0700",
  "contractNumber": "CNTR20250530001",
  "lenderReferenceId": "LN20250530001",
  "repaymentType": "EARLY_SETTLEMENT",
  "repaymentTransactions": [
    {
      "lenderTransactionCode": "LENDER_TXN_987654321",
      "bankTransactionSequenceId": "BANK_SEQ_202508010001",
      "allocationDatetime": "2025-08-01T09:55:00+0700",
      "installmentId": "INS_002",
      "installmentNumber": 2,
      "allocatedPrincipal": 916000,
      "allocatedServiceFee": 138000,
      "allocatedPenalty": 0,
      "allocatedTotal": 1054000
    },
    {
      "lenderTransactionCode": "LENDER_TXN_987654321",
      "bankTransactionSequenceId": "BANK_SEQ_202508010001",
      "allocationDatetime": "2025-08-01T09:55:00+0700",
      "installmentId": "INS_003",
      "installmentNumber": 3,
      "allocatedPrincipal": 916000,
      "allocatedServiceFee": 138000,
      "allocatedPenalty": 0,
      "allocatedTotal": 1054000
    }
  ]
}

Response

See Common Response.