Repayment Flow

QFAST uses a daily revenue deduction model. Instead of fixed monthly installments, the borrower's merchant sales revenue is deducted daily according to the repayment schedule submitted during Submit Loan.

QFAST's operations team processes settlements daily on behalf of lenders. As a lender, you receive webhook notifications when repayments succeed or fail.

1. How Daily Repayment Works

Each business day:
  QFAST collects daily_amount from borrower's DOKU wallet
  → applies to outstanding loan balance
  → notifies lender via repayment.succeeded webhook

The daily_amount field in each repayment schedule entry (submitted during loan creation) defines how much is deducted per day.

2. Lender's Role

As a lender partner, you do not call any repayment APIs directly. The settlement batch process is managed by QFAST's operations team.

Your integration responsibilities for repayment are:

Receive webhook notifications when repayments occur.

Reconcile your internal loan records against the repayment events.

Handle failures — if a repayment fails, you'll receive a repayment.failed event.

3. Repayment Webhooks

See Repayment Webhooks for the event payload reference.

Event	When Fired
`repayment.succeeded`	Daily repayment deducted successfully.
`repayment.failed`	Deduction failed (e.g., insufficient wallet balance).

Overview

Repayment Flow#

1. How Daily Repayment Works#

2. Lender's Role#

3. Repayment Webhooks#

Repayment Flow

1. How Daily Repayment Works

2. Lender's Role

3. Repayment Webhooks