InDebted Docs

Account Upload

We simplify your referrals by allowing you to create new customers or update existing customers while associating multiple accounts to the same customer, all within one file, Account Upload. If your system has the same capability, we strongly advise you to aggregate multiple accounts by customer. This provides your customers with concise communications and consolidated payment options drastically improving your collections performance.

To get started, download a sample file with the following customers.

  • John has one account
  • Olivia has two accounts

Filename convention: YYYY-MM-DD-hh-mm-ss.csv

Header Format Description
AccountRef * String, unique constraint Unique value representing the account in your system. Use the same reference for updating existing accounts.
StatementOfWorkID * String The Statement of Work to assign this account to. Once assigned, this value cannot be changed.
DueDate * String date formatted as YYYY-MM-DD Date when the account was due for payment. This is used for allocating payments to the account with the oldest due date.
Balance ** Integer representing a monetary value in cents, e.g. 100 means $1.00

The amount to collect for this account.

** This value must be greater than 100 when creating new accounts and it will be ignored when updating existing accounts. For updating this value, see Transaction Upload.

CustomerRef * String, unique constraint Unique value representing the customer in your system. Use the same reference for updating existing customers.
Title Constant, e.g. Mx Customer's title. See all Customer Titles below. Invalid values will be ignored so the customer and account are still created successfully, provided all other validations succeed.
FirstName * String

** When the customer has a last name, their last name is required for regulatory compliance.

MiddleName String
LastName String
DOB String date formatted as YYYY-MM-DD ** For regulatory compliance, at least two of the following must be provided: date of birth, email, phone, address. Further, invalid values will be ignored so the customer and account are still created successfully, provided all other validations succeed.
Emails

String delimited by semicolon, e.g.

joe@abc.com; joe@def.com

Phones

String delimited by semicolon, including country code, e.g.

+61444555666; +61999888777

AddressLine1 String, required when any address field is provided
AddressLine2 String, optional
City String, required when any address field is provided
State String, required when any address field is provided, except for the United Kingdom and New Zealand
Postcode String, required when any address field is provided
Country String, required when any address field is provided

Balance Breakdown

If you charge interest or fees, we recommend you to provide your customers with the following breakdown which helps avoiding disputes. The total amount should add up to the account Balance.

Download a sample file with Balance Breakdown.

Header Format Description
BalancePrincipal Integer representing a monetary value in cents, e.g. 100 means $1.00 The principal amount owed as of referral time. This value cannot be changed.
BalanceInterest Integer representing a monetary value in cents, e.g. 100 means $1.00 The amount accrued in interest as of referral time. This value cannot be changed.
BalanceFees Integer representing a monetary value in cents, e.g. 100 means $1.00 The amount accrued in fees as of referral time. This value cannot be changed.

Product Information

This information may be used for different use cases like BNPL Merchants, Credit Card and Loan Labels. This helps your customers remember their purchase or agreement which in turn improves your collections performance.

Download a sample file with Product Information.

Header Format Description
ProductVendor String Name of the product vendor such as the BNPL Merchant.
ProductName String Name of the product or service such as the good purchased with BNPL or a white label for the Loan or Credit Card.
ProductAmount Integer representing a monetary value in cents, e.g. 100 means $1.00 The purchase or service amount agreed upon.
ProductAgreementDate String date formatted as YYYY-MM-DD Date when the purchase or service agreement has taken place.

Client Display Name

If your company operates under multiple brands or branches and each customer is familiar with a different name, you can customise the name to be displayed for each customer which helps setting up the context for collections.

Download a sample file with Client Display Name.

Header Format Description
ClientDisplayName String Your brand or branch name to be used in all communications as a replacement for your company name, specifically for this customer.

Originating Creditor

If you are a Debt Buyer, we strongly recommend you to provide the following information. This helps avoiding disputes by providing your customers with context on the originating creditor and account number.

Download a sample file with Originating Creditor.

Header Format Description
OriginatingCreditorLegalName String The name of the creditor in which you have purchased the account from.
OriginatingCreditorAccountRef String The account reference or ID within the scope of the originating creditor.

Customer Titles

Supported values for customer Title.

Dr
Madam
Master
Miss
Mr
Mrs
Ms
Mx