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.

Flow Overview

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

Lender's Role & Event Summary

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.

Repayment Events

Event	When Fired
`repayment.succeeded`	Daily repayment deducted successfully.

Idempotent Webhook Handling

QFAST may deliver the same repayment.succeeded event more than once (e.g., when your endpoint times out or does not return HTTP 2xx, QFAST retries). Your system must therefore handle duplicates so a repayment is never applied twice.

Treat data.repayment_webhook_id as the idempotency key. Before processing, check whether that ID has already been processed. If it has, respond HTTP 2xx and do not process it again. If it is new, apply the repayment exactly once, record the ID, then respond HTTP 2xx. Always acknowledge duplicates with 2xx so QFAST stops redelivering.

Next Steps

Repayment Webhooks — Event payload reference for repayment.succeeded.

Flow Overview#

Lender's Role & Event Summary#

Repayment Events#

Idempotent Webhook Handling#

Next Steps#

Flow Overview

Lender's Role & Event Summary

Repayment Events

Idempotent Webhook Handling

Next Steps