Creditcrest Payments

Money in and out for a lender, as the files its bank takes: the BECS direct entry (ABA) file, the debits to raise from the LoanManager ledger, a returned debit as ledger events, PayTo agreements, reconciliation and payouts.

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. Nothing is stored and nothing is sent to a bank. These are payment instructions and records built from what the lender supplied. They move no money and send nothing to any bank; whether to debit, pay or pursue a borrower is the lender’s decision. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.