Installment Schedule Notification

Use Case

Use this webhook to sync the latest loan state from the lender. It is sent after loan activation and after each repayment allocation.

TRIAL integrations send the loan summary object only. STANDARD integrations extend the same notification with the full installment array.

Integration: TRIAL + STANDARD

Request

POST /lender/open/notify/installment-schedule

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
lenderReferenceId	String		Stable application or loan identifier generated by the lender. See Loan Identification.
contractNumber	String	Conditional	Contract number. Secondary reference for reconciliation against contract documents.
loan	JsonObject		Latest loan summary. See Data of loan.
installments	JsonArray	Conditional	Full installment schedule. Required for STANDARD; not required for TRIAL. See Data of installments.

Data of loan

TRIAL fields

These fields are required for all integrations.

Attribute	Type	Required	Description
loanStatus	String		Current loan status. Values: ACTIVE, OVERDUE, PAID, TERMINATED, CANCELLED.
disbursedAmount	Number		Total principal disbursed to customer in VND.
outstandingDueAmount	Number		Total amount currently due, including overdue and current period principal, User Service Fee, and Late Payment Fee.
nextDueDate	Date		Next scheduled due date. Format: yyyy-MM-dd. Send null when the loan is fully paid.
pendingAllocationAmount	Number		Amount received from customer but not yet allocated to debt.
virtualAccount	JsonObject		Virtual account details for customer repayment. See Data of virtualAccount.
lastUpdatedDatetime	Timestamp		Latest update time from the lender. Format: yyyy-MM-ddTHH:mm:ss+0700.

STANDARD additional fields

These fields are required for STANDARD integrations. TRIAL integrations can also optionally send these fields if available.

Attribute	Type	Required	Description
paidAmount	Number		Total amount paid by customer to date in VND. Equal to the sum of all allocatedTotal across all installments.
outstandingPrincipal	Number		Total remaining principal balance in VND.
overduePrincipal	Number		Principal amount currently past due, where DPD > 0, in VND.
overdueServiceFee	Number		User Service Fee amount currently past due in VND.
accruedPenalty	Number		Late Payment Fee accrued to date and not yet paid in VND.
dpd	Number		Days Past Due at the time of this notification.

Data of virtualAccount

Attribute	Type	Required	Description
accountNumber	String		Virtual account number for customer repayment.
accountName	String	Conditional	Virtual account name or beneficiary name, if available.
bankCode	String	Conditional	Bank code, if available.
bankName	String	Conditional	Bank display name, if available.

Data of installments

The installments array is STANDARD only. TRIAL integrations do not include it.

Attribute	Type	Required	Description
installmentId	String		Installment ID generated by the lender.
installmentNumber	Number		Installment sequence number, starting from 1.
dueDate	Date		Scheduled due date. Format: yyyy-MM-dd.
remainingAmount	Number		Remaining unpaid amount for this installment in VND.
status	String		PENDING, PARTIALLY_PAID, PAID, OVERDUE, CANCELLED.
originalPrincipal	Number		Original scheduled principal for this installment in VND.
originalServiceFee	Number		Original scheduled User Service Fee for this installment in VND.
paidPrincipal	Number	Conditional	Principal paid for this installment to date in VND. Required if lender can provide payment breakdown.
paidServiceFee	Number	Conditional	User Service Fee paid for this installment to date in VND. Required if lender can provide payment breakdown.
paidPenalty	Number	Conditional	Late Payment Fee paid for this installment to date in VND. Required if lender can provide payment breakdown.
paidDatetime	Timestamp	Conditional	Datetime payment was completed. Required when status = PAID. Format: yyyy-MM-ddTHH:mm:ss+0700.

Example Requests

TRIAL after activation

{
  "requestId": "WH_REQ_202505300003",
  "fundiinApplicationId": "APP1234567890",
  "lenderCode": "LENDER_A",
  "requestingDatetime": "2025-05-30T10:15:00+0700",
  "lenderReferenceId": "LN20250530001",
  "contractNumber": "CNTR20250530001",
  "loan": {
    "loanStatus": "ACTIVE",
    "disbursedAmount": 3000000,
    "outstandingDueAmount": 0,
    "nextDueDate": "2025-06-30",
    "pendingAllocationAmount": 0,
    "virtualAccount": {
      "accountNumber": "9901234567890",
      "accountName": "NGUYEN VAN A",
      "bankCode": "VCB",
      "bankName": "Vietcombank"
    },
    "lastUpdatedDatetime": "2025-05-30T10:10:00+0700"
  },
  "installments": null
}

STANDARD after repayment

{
  "requestId": "WH_REQ_202507150003",
  "fundiinApplicationId": "APP1234567890",
  "lenderCode": "LENDER_A",
  "requestingDatetime": "2025-07-15T09:15:00+0700",
  "lenderReferenceId": "LN20250530001",
  "contractNumber": "CNTR20250530001",
  "loan": {
    "loanStatus": "ACTIVE",
    "disbursedAmount": 3000000,
    "outstandingDueAmount": 0,
    "nextDueDate": "2025-07-30",
    "pendingAllocationAmount": 0,
    "virtualAccount": {
      "accountNumber": "9901234567890",
      "accountName": "NGUYEN VAN A",
      "bankCode": "VCB",
      "bankName": "Vietcombank"
    },
    "lastUpdatedDatetime": "2025-07-15T09:12:00+0700",
    "paidAmount": 1054000,
    "outstandingPrincipal": 2084000,
    "overduePrincipal": 0,
    "overdueServiceFee": 0,
    "accruedPenalty": 0,
    "dpd": 0
  },
  "installments": [
    {
      "installmentId": "INS_001",
      "installmentNumber": 1,
      "dueDate": "2025-06-30",
      "originalPrincipal": 916000,
      "originalServiceFee": 138000,
      "remainingAmount": 0,
      "status": "PAID",
      "paidPrincipal": 916000,
      "paidServiceFee": 138000,
      "paidPenalty": 0,
      "paidDatetime": "2025-07-15T09:08:00+0700"
    },
    {
      "installmentId": "INS_002",
      "installmentNumber": 2,
      "dueDate": "2025-07-30",
      "originalPrincipal": 916000,
      "originalServiceFee": 138000,
      "remainingAmount": 1054000,
      "status": "PENDING",
      "paidPrincipal": 0,
      "paidServiceFee": 0,
      "paidPenalty": 0,
      "paidDatetime": null
    },
    {
      "installmentId": "INS_003",
      "installmentNumber": 3,
      "dueDate": "2025-08-30",
      "originalPrincipal": 916000,
      "originalServiceFee": 138000,
      "remainingAmount": 1054000,
      "status": "PENDING",
      "paidPrincipal": 0,
      "paidServiceFee": 0,
      "paidPenalty": 0,
      "paidDatetime": null
    }
  ]
}

Response

See Common Response.