Creditcrest Payments

Debits drawn from the ledger, bank-ready files, and every return reversed on the books.

Movement with a record.

The day’s debits drawn from the ledger, direct entry files, and dishonours reversed.

What you do here. See the day’s debits drawn from an example ledger, the direct entry file built from them, and a dishonour reversed.

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You bring: The day’s debits, drawn from the ledger
You get: Direct entry files, validated field by field
Holds the line: A dishonour becomes a ledger reversal

Debits for 1 Apr 2026

1 debit totalling $240.01 on 1 Apr 2026; 2 skipped.

LN-ARREARS — No active payment authority (it is cancelled). A debit without one is a debit the borrower's bank will return and the lender cannot defend.
LN-HARDSHIP — Under a hardship arrangement on 1 Apr 2026, from 20 Feb 2026 to 30 Apr 2026. No plan payment falls due today, and the contractual repayment the arrangement replaced is not debited.

0                 01CBA       EXAMPLE LENDER PTY LTD    123456REPAYMENTS  010426                                        
1062-000 12345678 130000024001BORROWER CLEAN                  LN-CLEAN          062-001 98765432EXAMPLE LENDER  00000000
7999-999            000002400100000000000000024001                        000001

1 detail record: $240.01 of debits and $0.00 of credits, for processing on 1 Apr 2026. The file does not carry a balancing record; if the bank requires one, pass `balance`. Every record is exactly 120 characters. Layout from www.cemtexaba.com and www.nab.com.au.

A returned debit

Payment stopped. The payment is reversed on the ledger. The payer stopped the payment. Do not debit again under this authority.

Ledger events: [{"id":"c2-returned","type":"reversal","reverses":"c2","on":"3 Apr 2026","reason":"Debit returned by the bank: 2 Payment stopped.","reference":null}]. Conduct for Creditcrest Intent: [{"type":"mandate cancelled","on":"3 Apr 2026","source":"BECS return code 2: Payment stopped"}].

Code	Meaning	What follows
1	Invalid BSB number	The lender’s record of the BSB is wrong; correct it before debiting again.
2	Payment stopped	The payer stopped the payment. Do not debit again under this authority.
3	Account closed	The account is closed. A new authority over another account is needed.
4	Customer deceased	Stop debiting. This is a deceased estate matter, not arrears.
5	No account or incorrect account number	The account number on record is wrong; confirm it with the borrower.
6	Refer to customer	Usually insufficient funds; the bank gives no more. Contact the borrower before debiting again.
8	Invalid User ID Number	The lender’s APCA user id was wrong on the file — the lender’s error, not the borrower’s.
9	Technically invalid	The record was malformed — the lender’s error, not the borrower’s.

A PayTo agreement

created → active on 2 Jan 2026 by the payer → paused on 10 Mar 2026 by the payer → cancelled on 20 Mar 2026 by the payer. Cancelled by the payer, which Creditcrest Intent reads as a cancelled mandate.

Reconciliation

1 matched, 0 returned, 0 missing, 1 unexpected, 0 with a different amount.

A lender's own system posts to /v1/payments and gets the same answers as data.