Collections are a way for you to collect funds from your customers regularly as long as you adhere to the terms of the pre-authorised mandate, such as amounts and frequency. With an authorised mandate, you can collect funds from your customer by uploading batch files to our SFTP server.
- The collections issued have to abide by the mandate that was authorised by your customer.
- It is possible to collect outside of the terms of a mandate. However, a successful collection that does not abide by the terms of the mandate can be disputed by the customer. This dispute will most likely be approved due to the collection being in breach of the mandate.
Initiating Collection Requests via SFTP
The diagram below depicts initiating a collection request via Stitch's SFTP. The outcome of the collection request is one or more of two types of files: The REPLY file indicates whether the collection file you submitted was valid or not and whether the submitted line items are valid or not. The OUTPUT file that indicates whether the collection succeeded or failed.
As a part of the collections process, you will be expected to submit a collection batch containing all the collections you want actioned.
In order to upload and submit collection files to Stitch and to receive REPLY and OUTPUT files from Stitch, you will need to make use of SFTP to allow for file exchange.
Your SFTP credentials will be configured during the onboarding process. Once your access and connectivity has been configured successfully, you may proceed to submit your batch collection files.
SFTP directory structure
You will have access to a directory within the SFTP server that only your user can access. You will have access to Incoming, Outgoing and Archive folders.
The directory structure will be as follows:
|You will receive incoming collection-related files in this folder. These will be:
- REPLY files with the failure validation result
- OUTPUT files with collection results
|You will drop the collection files to be processed in here. Example of these files are:
- Collection files
- Corrected collection files
|Files will be archived regularly to reduce clutter within the Incoming and Outgoing folders. This folder will be the root of the Archive directory and it's structure will mimic the root-level (/) structure.
|The archive subdirectory containing archived outgoing files
|The archive subdirectory containing archived incoming files
Archiving of files
Files will be archived at a regular cadence to make searching the folder easier and to reduce the clutter within the folder.
Collection files that are uploaded in the Outgoing folder will be archived once they are processed. Reply files in the Incoming folder will be archived at a longer cadence.
Notifications of file uploads
OUTPUT file uploads will be communicated to you via webhooks, removing the need for you to poll for folder changes.