Manual Flow

Suggest Edits

The Manual Flow is used when electronic mandate activation is not supported, and the mandate must be created physically at a bank branch. Follow these steps for this process:

Check Mandate Eligibility

• Verify if application.portfolio.debitMandate exists.

• Ensure that application.portfolio.debitMandate.status.name is set to PENDING_ACTIVATION.

Bank Mandate Creation

• If application.portfolio.debitMandate.electronicMandateIsSupported is false, the mandate can only be created at a bank.

Form Download

• Download the content of the mandate activation form from the URL provided in application.portfolio.debitMandate.formUrl. This form is what the customer needs to complete the mandate at the bank.

Customer Action

• Instruct the customer to take the downloaded form to their bank branch to create the mandate.

Automatic Submission

• Once the mandate is successfully created at the bank, it will be automatically sent to Indicina, and the loan processing can proceed.