Lender_Flow // Auto Collection Billing Daemon
An automated tool for collecting loan payments. It securely schedules card payments in the background and keeps database records safe.
The Problem
Micro-finance businesses suffer from high loan default rates because manual payment collection relies on user memory, resulting in delayed returns and lost capital.
The Solution
LenderFlow automates collections by linking borrower cards at registration. It executes scheduled payments in the background with automatic network recovery.
Decoupled Collection & Webhooks
Linking cards is kept separate from actual billing routines. Even if the user closes their browser or the network drops during a transaction, the background scheduler retries and captures the callback response securely.
3. Security & Database Transactions
Built to keep financial data completely safe. A client's balance is only updated after a successful payment receipt is verified and saved. If the internet drops mid-payment, the transaction cancels safely, preventing incorrect account balances.
PROJECT METADATA
MySQL Schema
Paystack Webhooks
Cron / Shell
Billing Cron Simulator
Automated Billing Algorithm
Payments are calculated automatically based on a set percentage rate of the remaining balance.
If the user's balance is lower than the calculated payment, the system adjusts the charge to collect only what is left.
As soon as the balance is fully paid, the system marks the account as cleared and stops future charges.
Split Payment & Settlement Sandbox
INTERACTIVE DEPLOYMENTAdjust the transaction volume (₦) to test the payment system. The graph shows Paystack fees, platform cuts, and merchant payouts in real-time.
Deduction Status: SUCCESS (CAPTURED)