Create Staged Deposit
Defining a new "staged deposit": who owes whom, in what currency, for what total, at what fee. After creating it, you record the actual payments (items) one by one from the batch's own page.
Step by Step
- Choose the obligor ("from account") and the beneficiary ("to account").
- Enter the currency and the total staged amount — this is the cap on the items.
- If a fee has been agreed, enter it; create.
- Now, from the batch page, record each payment as an item until the progress bar fills up.
Fields
| Field | Description |
|---|---|
| From account / to account | The obligor and the beneficiary. |
| Currency and total staged amount | The cap on the sum of the items. |
| Fee amount | The agreed fee on the whole staged deposit (separately for each side). |
| Description | Description of the staged deposit. |
Notes
- Once the sum of the items is complete, the batch becomes "Complete".
- Multi-line notes: press Enter in the description field to start a new line; in the WhatsApp message each line is sent with a bullet (•) — e.g. national ID, receipt terms and payment deadline each on its own line.
Customer Deposited More Than the Commitment? — Overpayment
Sometimes the payer (by mistake or by arrangement) pays in more than the commitment's remaining balance. You don't have to block the entry:
- Record the item with its real amount. The system posts a real transaction up to the remaining commitment cap (the commitment becomes complete) and holds the excess as a separate "Pending" row — this excess hasn't landed in anyone's account yet and isn't a real voucher.
- Next to each excess row are two buttons: Accept and Reject (each excess independent). If the recipient accepted the excess, click "Accept" — a real transaction is posted for the excess and the total commitment amount rises by that much. If they didn't accept it (e.g., it was a walk-in customer's account), click "Reject" — no voucher is posted and it just stays on record.
- In the commitments list, commitments with a pending excess get an "Overpayment" tag and can be found by filtering for it.
Direct, or via Assignment?
If, when you see the customer's request, you already know who you're handing this account to, you can create the staged deposit directly here; otherwise, record a "Deposit request" first and assign it later from there (or from the payment readiness list) — assigning it creates the staged deposit itself and copies over the banking details.
The IBAN field now validates itself: a malformed sheba/IBAN gets an immediate red message and no inquiry is spent; for foreign IBANs, or when the inquiry is off or fails, the bank name is derived from the number itself for a dozen-plus countries (Iran, Türkiye, UAE, Iraq, …) and fills the bank field. Input that is not IBAN-like at all (e.g. a card number) gets no warning.