Repayment Webhooks

QFAST notifies your system whenever a daily repayment is processed for one of your loans.

Every request includes an HMAC-SHA256 signature in the Signature header. Verify it before processing — see Webhook Security.

Event: `repayment.succeeded`

Fired when a daily repayment is successfully applied to a loan.

Headers

Header	Value
`Content-Type`	`application/json`
`Event`	`repayment.succeeded`
`Signature`	HMAC-SHA256 of the body.

Payload Structure

Field	Type	Description
`event`	String	Always `repayment.succeeded`.
`timestamp`	String	Event time in ISO 8601 format (e.g., `2026-08-25T23:00:00+07:00`).
`data.repayment_webhook_id`	UUID	Unique identifier for this webhook event. Acts as the idempotency key.
`data.loan_id`	UUID	The loan this repayment applies to.
`data.reference_account_number`	String	Your reference number for this loan.
`data.loan_status`	String	Loan status after this repayment (e.g., `active`).
`data.outstanding_principal_amount`	String (decimal)	Remaining principal after this repayment, in IDR (e.g., `"2800000.00"`).
`data.outstanding_interest_amount`	String (decimal)	Remaining interest after this repayment, in IDR (e.g., `"280000.00"`).
`data.total_amount`	String (decimal)	Aggregate total repayment amount for this event, in IDR (e.g., `"220000.00"`).
`data.principal_amount`	String (decimal)	Aggregate principal portion of the repayment, in IDR (e.g., `"200000.00"`).
`data.interest_amount`	String (decimal)	Aggregate interest portion of the repayment, in IDR (e.g., `"20000.00"`).
`data.repayments`	Array	Array of repayment transaction items.
`data.affected_repayment_schedules`	Array	Aggregate snapshot of repayment schedules influenced by this event.
`data.affected_daily_repayment_targets`	Array	Aggregate snapshot of daily repayment targets influenced by this event.

`repayments[]` Item Object

Field	Type	Description
`repayment_id`	UUID	Unique repayment transaction identifier.
`status`	String	Repayment outcome. Value: `paid`.
`fund_source_type`	String	Fund source used (`settlement` for QRIS revenue, `reserve_balance` for Risk Reserve Fund fallback).
`total_amount`	String (decimal)	Total amount for this item, in IDR (e.g., `"99000.00"`).
`principal_amount`	String (decimal)	Principal portion for this item, in IDR (e.g., `"89000.00"`).
`interest_amount`	String (decimal)	Interest portion for this item, in IDR (e.g., `"10000.00"`).
`surplus_amount`	String (decimal)	Amount collected beyond the item's due amount, in IDR (e.g., `"0.00"`).
`reserve_replenish_amount`	String (decimal)	Amount credited back to the Risk Reserve Fund for this item, in IDR (e.g., `"0.00"`).
`settlement`	Object\|null	QRIS settlement details for this item. `null` when `fund_source_type` is `reserve_balance`.
`paid_at`	String	Payment timestamp in ISO 8601 format.
`affected_repayment_schedules`	Array	Repayment schedules this item was allocated against.
`affected_daily_repayment_targets`	Array	Daily repayment targets this item was allocated against.

Settlement Object

Field	Type	Description
`total_purchase_amount`	String (decimal)	Gross QRIS purchase amount before fees, in IDR (e.g., `"100000.00"`).
`total_amount`	String (decimal)	Net settlement amount received by QFAST after fees, in IDR (e.g., `"99000.00"`).

Affected Repayment Schedule Object

Used at two levels. At the data top level each item is a full schedule snapshot. Inside repayments[], only id, reference_id, and the allocated_* fields are present.

Field	Type	Description
`id`	UUID	QFAST repayment schedule identifier.
`reference_id`	String	Value you sent as `repayment_schedules[].reference_id` when submitting the loan (e.g., `LND-SCH-001`).
`sequence_number`	Integer	Schedule position within the loan (1-based).
`start_date`	String	Start date in `YYYY-MM-DD`.
`due_date`	String	Due date in `YYYY-MM-DD`.
`principal_amount`	String (decimal)	Full schedule principal, in IDR (e.g., `"3000000.00"`).
`interest_amount`	String (decimal)	Full schedule interest, in IDR (e.g., `"300000.00"`).
`penalty_amount`	String (decimal)	Penalty accrued on this schedule, in IDR (e.g., `"0.00"`).
`daily_amount`	String (decimal)	Planned daily deduction for this schedule, in IDR (e.g., `"110000.00"`).
`total_days`	Integer	Total working days in the schedule (e.g., `30`).
`paid_amount`	String (decimal)	Cumulative paid amount on this schedule, in IDR.
`paid_principal_amount`	String (decimal)	Cumulative paid principal on this schedule, in IDR.
`paid_interest_amount`	String (decimal)	Cumulative paid interest on this schedule, in IDR.
`status`	String	Schedule status (e.g., `partially_paid`).
`settled_at`	String\|null	Settlement timestamp in ISO 8601 format, or `null` if this schedule is not settled.
`allocated_amount`	String (decimal)	Amount allocated to this schedule by this event, in IDR.
`allocated_principal_amount`	String (decimal)	Principal allocated to this schedule by this event, in IDR.
`allocated_interest_amount`	String (decimal)	Interest allocated to this schedule by this event, in IDR.

Affected Daily Repayment Target Object

Used at two levels. At the data top level each item is a full target snapshot. Inside repayments[], only id, reference_id, and the allocated_* fields are present.

Field	Type	Description
`id`	UUID	QFAST daily repayment target identifier.
`reference_id`	String	Value you sent as `repayment_schedules[].daily_repayment_schedules[].reference_id` when submitting the loan (e.g., `LND-TGT-2026-08-23`).
`repayment_schedule_id`	UUID	Parent repayment schedule identifier.
`sequence_number`	Integer	Schedule position within the loan (1-based).
`target_date`	String	Target date in `YYYY-MM-DD`.
`base_principal`	String (decimal)	Planned principal for this target, in IDR (e.g., `"100000.00"`).
`base_interest`	String (decimal)	Planned interest for this target, in IDR (e.g., `"10000.00"`).
`base_target`	String (decimal)	Planned total for this target, in IDR (e.g., `"110000.00"`).
`paid_amount`	String (decimal)	Cumulative paid amount against this target, in IDR.
`paid_principal`	String (decimal)	Cumulative paid principal against this target, in IDR.
`paid_interest`	String (decimal)	Cumulative paid interest against this target, in IDR.
`settlement_purchase_amount`	String (decimal)	Gross QRIS purchase amount applied to this target, in IDR.
`settlement_total_amount`	String (decimal)	Net settlement amount applied to this target, in IDR.
`reserve_replenish_amount`	String (decimal)	Amount credited back to the Risk Reserve Fund for this target, in IDR.
`reserve_used_amount`	String (decimal)	Amount drawn from the Risk Reserve Fund for this target, in IDR.
`surplus_amount`	String (decimal)	Amount collected beyond this target's due amount, in IDR.
`status`	String	Target status (e.g., `completed`).
`allocated_amount`	String (decimal)	Amount allocated to this target by this event, in IDR.
`allocated_principal_amount`	String (decimal)	Principal allocated to this target by this event, in IDR.
`allocated_interest_amount`	String (decimal)	Interest allocated to this target by this event, in IDR.

Examples

Case 1: Single Fund Source (settlement)

One QRIS settlement covers the full daily target without drawing on the Risk Reserve Fund.

{
  "event": "repayment.succeeded",
  "timestamp": "2026-08-23T23:00:00+07:00",
  "data": {
    "repayment_webhook_id": "01a04f2a-bc73-7d12-a099-e1b3c4d5e6f7",
    "loan_id": "019e15a1-c644-705c-9330-fffa62cd44ed",
    "reference_account_number": "LND-ACC-2026-0001",

    "loan_status": "active",
    "outstanding_principal_amount": "2900000.00",
    "outstanding_interest_amount": "290000.00",

    "total_amount": "110000.00",
    "principal_amount": "100000.00",
    "interest_amount": "10000.00",

    "repayments": [
      {
        "repayment_id": "01a04f3b-cd84-7e23-b1aa-f2c4d5e6f7a8",
        "status": "paid",
        "fund_source_type": "settlement",
        "total_amount": "110000.00",
        "principal_amount": "100000.00",
        "interest_amount": "10000.00",
        "surplus_amount": "0.00",
        "reserve_replenish_amount": "0.00",
        "settlement": {
          "total_purchase_amount": "120000.00",
          "total_amount": "110000.00"
        },
        "paid_at": "2026-08-23T23:00:00+07:00",

        "affected_repayment_schedules": [
          {
            "id": "0199abcd-1234-7abc-8def-0123456789ab",
            "reference_id": "LND-SCH-001",
            "allocated_amount": "110000.00",
            "allocated_principal_amount": "100000.00",
            "allocated_interest_amount": "10000.00"
          }
        ],

        "affected_daily_repayment_targets": [
          {
            "id": "0199abcd-2345-7abc-8def-000000000823",
            "reference_id": "LND-TGT-2026-08-23",
            "allocated_amount": "110000.00",
            "allocated_principal_amount": "100000.00",
            "allocated_interest_amount": "10000.00"
          }
        ]
      }
    ],

    "affected_repayment_schedules": [
      {
        "id": "0199abcd-1234-7abc-8def-0123456789ab",
        "reference_id": "LND-SCH-001",
        "sequence_number": 1,
        "start_date": "2026-08-23",
        "due_date": "2026-09-21",

        "principal_amount": "3000000.00",
        "interest_amount": "300000.00",
        "penalty_amount": "0.00",

        "daily_amount": "110000.00",
        "total_days": 30,

        "paid_amount": "110000.00",
        "paid_principal_amount": "100000.00",
        "paid_interest_amount": "10000.00",

        "status": "partially_paid",
        "settled_at": null,

        "allocated_amount": "110000.00",
        "allocated_principal_amount": "100000.00",
        "allocated_interest_amount": "10000.00"
      }
    ],

    "affected_daily_repayment_targets": [
      {
        "id": "0199abcd-2345-7abc-8def-000000000823",
        "reference_id": "LND-TGT-2026-08-23",
        "repayment_schedule_id": "0199abcd-1234-7abc-8def-0123456789ab",
        "sequence_number": 1,
        "target_date": "2026-08-23",

        "base_principal": "100000.00",
        "base_interest": "10000.00",
        "base_target": "110000.00",

        "paid_amount": "110000.00",
        "paid_principal": "100000.00",
        "paid_interest": "10000.00",

        "settlement_purchase_amount": "120000.00",
        "settlement_total_amount": "110000.00",
        "reserve_replenish_amount": "0.00",
        "reserve_used_amount": "0.00",
        "surplus_amount": "0.00",

        "status": "completed",

        "allocated_amount": "110000.00",
        "allocated_principal_amount": "100000.00",
        "allocated_interest_amount": "10000.00"
      }
    ]
  }
}

Case 2: Mixed Fund Sources (settlement + reserve_balance)

Both QRIS revenue and Risk Reserve Fund are used to cover the repayment.

{
  "event": "repayment.succeeded",
  "timestamp": "2026-08-25T23:00:00+07:00",
  "data": {
    "repayment_webhook_id": "01a03e5f-ea97-72ae-b041-fc22db6fffb9",
    "loan_id": "019e15a1-c644-705c-9330-fffa62cd44ed",
    "reference_account_number": "LND-ACC-2026-0001",

    "loan_status": "active",
    "outstanding_principal_amount": "2800000.00",
    "outstanding_interest_amount": "280000.00",

    "total_amount": "220000.00",
    "principal_amount": "200000.00",
    "interest_amount": "20000.00",

    "repayments": [
      {
        "repayment_id": "019e15a1-c644-705c-9330-fffa62cd44ee",
        "status": "paid",
        "fund_source_type": "settlement",
        "total_amount": "99000.00",
        "principal_amount": "89000.00",
        "interest_amount": "10000.00",
        "surplus_amount": "0.00",
        "reserve_replenish_amount": "0.00",
        "settlement": {
          "total_purchase_amount": "100000.00",
          "total_amount": "99000.00"
        },
        "paid_at": "2026-08-25T17:00:00+07:00",

        "affected_repayment_schedules": [
          {
            "id": "0199abcd-1234-7abc-8def-0123456789ab",
            "reference_id": "LND-SCH-001",
            "allocated_amount": "99000.00",
            "allocated_principal_amount": "89000.00",
            "allocated_interest_amount": "10000.00"
          }
        ],

        "affected_daily_repayment_targets": [
          {
            "id": "0199abcd-2345-7abc-8def-000000000823",
            "reference_id": "LND-TGT-2026-08-23",
            "allocated_amount": "99000.00",
            "allocated_principal_amount": "89000.00",
            "allocated_interest_amount": "10000.00"
          }
        ]
      },
      {
        "repayment_id": "019e15a1-c644-705c-9330-fffa62cd44ef",
        "status": "paid",
        "fund_source_type": "reserve_balance",
        "total_amount": "121000.00",
        "principal_amount": "111000.00",
        "interest_amount": "10000.00",
        "surplus_amount": "0.00",
        "reserve_replenish_amount": "0.00",
        "settlement": null,
        "paid_at": "2026-08-25T23:00:00+07:00",

        "affected_repayment_schedules": [
          {
            "id": "0199abcd-1234-7abc-8def-0123456789ab",
            "reference_id": "LND-SCH-001",
            "allocated_amount": "121000.00",
            "allocated_principal_amount": "111000.00",
            "allocated_interest_amount": "10000.00"
          }
        ],

        "affected_daily_repayment_targets": [
          {
            "id": "0199abcd-2345-7abc-8def-000000000823",
            "reference_id": "LND-TGT-2026-08-23",
            "allocated_amount": "11000.00",
            "allocated_principal_amount": "11000.00",
            "allocated_interest_amount": "0.00"
          },
          {
            "id": "0199abcd-2345-7abc-8def-000000000824",
            "reference_id": "LND-TGT-2026-08-24",
            "allocated_amount": "110000.00",
            "allocated_principal_amount": "100000.00",
            "allocated_interest_amount": "10000.00"
          }
        ]
      }
    ],

    "affected_repayment_schedules": [
      {
        "id": "0199abcd-1234-7abc-8def-0123456789ab",
        "reference_id": "LND-SCH-001",
        "sequence_number": 1,
        "start_date": "2026-08-23",
        "due_date": "2026-09-21",

        "principal_amount": "3000000.00",
        "interest_amount": "300000.00",
        "penalty_amount": "0.00",

        "daily_amount": "110000.00",
        "total_days": 30,

        "paid_amount": "220000.00",
        "paid_principal_amount": "200000.00",
        "paid_interest_amount": "20000.00",

        "status": "partially_paid",
        "settled_at": null,

        "allocated_amount": "220000.00",
        "allocated_principal_amount": "200000.00",
        "allocated_interest_amount": "20000.00"
      }
    ],

    "affected_daily_repayment_targets": [
      {
        "id": "0199abcd-2345-7abc-8def-000000000823",
        "reference_id": "LND-TGT-2026-08-23",
        "repayment_schedule_id": "0199abcd-1234-7abc-8def-0123456789ab",
        "sequence_number": 1,
        "target_date": "2026-08-23",

        "base_principal": "100000.00",
        "base_interest": "10000.00",
        "base_target": "110000.00",

        "paid_amount": "110000.00",
        "paid_principal": "100000.00",
        "paid_interest": "10000.00",

        "settlement_purchase_amount": "100000.00",
        "settlement_total_amount": "99000.00",
        "reserve_replenish_amount": "0.00",
        "reserve_used_amount": "11000.00",
        "surplus_amount": "0.00",

        "status": "completed",

        "allocated_amount": "110000.00",
        "allocated_principal_amount": "100000.00",
        "allocated_interest_amount": "10000.00"
      },
      {
        "id": "0199abcd-2345-7abc-8def-000000000824",
        "reference_id": "LND-TGT-2026-08-24",
        "repayment_schedule_id": "0199abcd-1234-7abc-8def-0123456789ab",
        "sequence_number": 2,
        "target_date": "2026-08-24",

        "base_principal": "100000.00",
        "base_interest": "10000.00",
        "base_target": "110000.00",

        "paid_amount": "110000.00",
        "paid_principal": "100000.00",
        "paid_interest": "10000.00",

        "settlement_purchase_amount": "0.00",
        "settlement_total_amount": "0.00",
        "reserve_replenish_amount": "0.00",
        "reserve_used_amount": "110000.00",
        "surplus_amount": "0.00",

        "status": "completed",

        "allocated_amount": "110000.00",
        "allocated_principal_amount": "100000.00",
        "allocated_interest_amount": "10000.00"
      }
    ]
  }
}

Case 3: No Repayment (empty array)

No deduction was applied for this cycle. No fund source was triggered, so affected_repayment_schedules and affected_daily_repayment_targets are empty arrays.

{
  "event": "repayment.succeeded",
  "timestamp": "2026-08-25T23:00:00+07:00",
  "data": {
    "repayment_webhook_id": "01a05a6c-de95-7f34-c2bb-a3d5e6f7a8b9",
    "loan_id": "019e15a1-c644-705c-9330-fffa62cd44ed",
    "reference_account_number": "LND-ACC-2026-0001",

    "loan_status": "active",
    "outstanding_principal_amount": "3000000.00",
    "outstanding_interest_amount": "300000.00",

    "total_amount": "0.00",
    "principal_amount": "0.00",
    "interest_amount": "0.00",

    "repayments": [],

    "affected_repayment_schedules": [],

    "affected_daily_repayment_targets": []
  }
}

Case 4: Cross-Schedule Allocation

A single QRIS purchase covers the remaining target in one schedule and spills into the first target of the next schedule. One repayment item, two affected schedules.

{
  "event": "repayment.succeeded",
  "timestamp": "2026-08-25T23:00:00+07:00",
  "data": {
    "repayment_webhook_id": "01a06b7d-ef06-8a45-d3cc-b4e6f7a8b9c0",
    "loan_id": "019e15a1-c644-705c-9330-fffa62cd44ed",
    "reference_account_number": "LND-ACC-2026-0001",

    "loan_status": "active",
    "outstanding_principal_amount": "2810000.00",
    "outstanding_interest_amount": "280000.00",

    "total_amount": "200000.00",
    "principal_amount": "180000.00",
    "interest_amount": "20000.00",

    "repayments": [
      {
        "repayment_id": "01a06b7e-f017-8b56-e4dd-c5f7a8b9c0d1",
        "status": "paid",
        "fund_source_type": "settlement",
        "total_amount": "200000.00",
        "principal_amount": "180000.00",
        "interest_amount": "20000.00",
        "surplus_amount": "0.00",
        "reserve_replenish_amount": "0.00",
        "settlement": {
          "total_purchase_amount": "202000.00",
          "total_amount": "200000.00"
        },
        "paid_at": "2026-08-25T17:00:00+07:00",

        "affected_repayment_schedules": [
          {
            "id": "0199abcd-1234-7abc-8def-0123456789ab",
            "reference_id": "LND-SCH-001",
            "allocated_amount": "90000.00",
            "allocated_principal_amount": "80000.00",
            "allocated_interest_amount": "10000.00"
          },
          {
            "id": "0199abcd-5678-7abc-8def-0123456789cd",
            "reference_id": "LND-SCH-002",
            "allocated_amount": "110000.00",
            "allocated_principal_amount": "100000.00",
            "allocated_interest_amount": "10000.00"
          }
        ],

        "affected_daily_repayment_targets": [
          {
            "id": "0199abcd-2345-7abc-8def-000000000825",
            "reference_id": "LND-TGT-2026-08-25",
            "allocated_amount": "90000.00",
            "allocated_principal_amount": "80000.00",
            "allocated_interest_amount": "10000.00"
          },
          {
            "id": "0199abcd-6789-7abc-8def-000000000925",
            "reference_id": "LND-TGT-2026-09-25",
            "allocated_amount": "110000.00",
            "allocated_principal_amount": "100000.00",
            "allocated_interest_amount": "10000.00"
          }
        ]
      }
    ],

    "affected_repayment_schedules": [
      {
        "id": "0199abcd-1234-7abc-8def-0123456789ab",
        "reference_id": "LND-SCH-001",
        "sequence_number": 1,
        "start_date": "2026-08-23",
        "due_date": "2026-09-21",

        "principal_amount": "3000000.00",
        "interest_amount": "300000.00",
        "penalty_amount": "0.00",

        "daily_amount": "110000.00",
        "total_days": 30,

        "paid_amount": "290000.00",
        "paid_principal_amount": "260000.00",
        "paid_interest_amount": "30000.00",

        "status": "partially_paid",
        "settled_at": null,

        "allocated_amount": "90000.00",
        "allocated_principal_amount": "80000.00",
        "allocated_interest_amount": "10000.00"
      },
      {
        "id": "0199abcd-5678-7abc-8def-0123456789cd",
        "reference_id": "LND-SCH-002",
        "sequence_number": 2,
        "start_date": "2026-09-22",
        "due_date": "2026-10-21",

        "principal_amount": "3000000.00",
        "interest_amount": "300000.00",
        "penalty_amount": "0.00",

        "daily_amount": "110000.00",
        "total_days": 30,

        "paid_amount": "110000.00",
        "paid_principal_amount": "100000.00",
        "paid_interest_amount": "10000.00",

        "status": "partially_paid",
        "settled_at": null,

        "allocated_amount": "110000.00",
        "allocated_principal_amount": "100000.00",
        "allocated_interest_amount": "10000.00"
      }
    ],

    "affected_daily_repayment_targets": [
      {
        "id": "0199abcd-2345-7abc-8def-000000000825",
        "reference_id": "LND-TGT-2026-08-25",
        "repayment_schedule_id": "0199abcd-1234-7abc-8def-0123456789ab",
        "sequence_number": 3,
        "target_date": "2026-08-25",

        "base_principal": "100000.00",
        "base_interest": "10000.00",
        "base_target": "110000.00",

        "paid_amount": "110000.00",
        "paid_principal": "100000.00",
        "paid_interest": "10000.00",

        "settlement_purchase_amount": "91000.00",
        "settlement_total_amount": "90000.00",
        "reserve_replenish_amount": "0.00",
        "reserve_used_amount": "0.00",
        "surplus_amount": "0.00",

        "status": "completed",

        "allocated_amount": "90000.00",
        "allocated_principal_amount": "80000.00",
        "allocated_interest_amount": "10000.00"
      },
      {
        "id": "0199abcd-6789-7abc-8def-000000000925",
        "reference_id": "LND-TGT-2026-09-25",
        "repayment_schedule_id": "0199abcd-5678-7abc-8def-0123456789cd",
        "sequence_number": 1,
        "target_date": "2026-09-25",

        "base_principal": "100000.00",
        "base_interest": "10000.00",
        "base_target": "110000.00",

        "paid_amount": "110000.00",
        "paid_principal": "100000.00",
        "paid_interest": "10000.00",

        "settlement_purchase_amount": "111000.00",
        "settlement_total_amount": "110000.00",
        "reserve_replenish_amount": "0.00",
        "reserve_used_amount": "0.00",
        "surplus_amount": "0.00",

        "status": "completed",

        "allocated_amount": "110000.00",
        "allocated_principal_amount": "100000.00",
        "allocated_interest_amount": "10000.00"
      }
    ]
  }
}

Event: repayment.succeeded#

Headers#

Payload Structure#

repayments[] Item Object#

Settlement Object#

Affected Repayment Schedule Object#

Affected Daily Repayment Target Object#

Examples#

Case 1: Single Fund Source (settlement)#

Case 2: Mixed Fund Sources (settlement + reserve_balance)#

Case 3: No Repayment (empty array)#

Case 4: Cross-Schedule Allocation#