Deudores y Cobranza API integration services

Debtor management API

Mirrors the on-device "debtors" entity: identifier, full name, optional phone/email, total principal, and currency. Useful for keeping a centralized list of borrowers in a back-office CRM, especially when a small lender or shopkeeper uses the app on multiple devices and needs a single source of truth.

Loan / debt record API

Each debtor in the app holds one or more debts with an opening amount, due date, and notes. Our endpoint returns these records with original principal, balance remaining, status (open/closed), and timestamps — directly usable for monthly receivables roll-forwards.

Transaction history API

Extracts every payment, partial repayment, and adjustment line tied to a debt. Use it for reconciliation against bank statements, double-entry bookkeeping, or risk modelling on repayment cadence.

Reminder / payment-schedule API

Surface due dates and overdue-day counts so an external scheduler can dispatch SMS, WhatsApp, or email reminders — a common follow-on once a small lender outgrows on-device notifications alone.

Accounting-bridge connector

Maps Deudores y Cobranza records to QuickBooks / Xero / Zoho Books invoice and payment objects. Comparable platforms in the receivables space — Debtor Daddy and Paidnice — already plug into Xero, MYOB and QuickBooks; we deliver the same shape of bridge for users of this app.

Data export package

One-shot snapshot export of all debtors and transactions to CSV/XLSX/JSON for migrations, audits, or device-change recovery — analogous to the "Premium backup file" concept seen in apps like Debt Tracker, but exposed through a programmable API.

1. Micro-lender to accounting sync

A neighborhood lender in Mexico or Argentina records dozens of informal loans per month inside Deudores y Cobranza. Our connector posts each new loan as an invoice in QuickBooks / Xero, and each in-app payment as a matched receipt — turning the phone ledger into double-entry accounting without re-keying. Mapped fields: debtor.name → Customer, debt.principal → Invoice.amount, transaction.amount → Payment.amount.

2. Shopkeeper "fiado" to ERP rollup

Latin-American small shops commonly sell fiado (on credit) to regulars. The app captures who owes for what; our integration aggregates daily outstanding balances across stores and pushes a consolidated receivables figure into the ERP nightly. This is a natural OpenData play: a structured feed standing in for missing POS-level credit reporting.

3. Collection-agency hand-off

When private debts age past a threshold, our webhook pushes the debtor + transaction history into a debt-collection platform (e.g. Debitura, Debtist, InterProse ACE). The receiving system gets a clean OpenFinance-shaped JSON: principal, payment history, last contact note — enough to start a compliant collection workflow.

4. Personal-finance dashboard aggregation

Users who already track expenses in Mobills or Money Tracker - Expense & Budget often want their "money lent out" reflected as a separate asset class. Our API exposes the Deudores y Cobranza balance as a callable endpoint, which a personal-finance dashboard can poll alongside bank-account data pulled through OpenFinance Brasil or Mexico's CNBV-driven open-finance pilots.

5. Risk & behavioural scoring

Repayment-cadence data (how often, how late, partial vs. full) is a strong behavioural signal. Lenders building internal scorecards can stream the transaction-history API into their feature store and compute on-time-payment ratios, paydown velocity, and recency of last payment — features comparable to what Bright Money and similar AI-driven debt apps use on bank-linked data.

1. Authentication & session bootstrap

POST /api/v1/debtors-app/session
Content-Type: application/json

{
  "device_id": "android-7c8f...",
  "user_consent_token": "<granted-by-end-user>",
  "package_id": "com.pepivsky.debtorsapp"
}

200 OK
{
  "session_token": "eyJhbGciOi...",
  "expires_in": 3600,
  "scopes": ["debtors.read","debts.read","transactions.read"]
}

Sessions are short-lived JWTs scoped to read-only endpoints by default. Write scopes (e.g. transactions.write) require an explicit consent flag captured during onboarding.

2. List debtors with paginated debts

GET /api/v1/debtors?limit=50&cursor=...
Authorization: Bearer <SESSION_TOKEN>

200 OK
{
  "data": [
    {
      "debtor_id": "dbt_001",
      "name": "Juan P.",
      "currency": "MXN",
      "total_owed": 4350.00,
      "open_debts": 2,
      "last_payment_at": "2026-04-12T14:22:10Z"
    }
  ],
  "next_cursor": "eyJvZmZzZXQiOjUwfQ"
}

3. Transaction history with error handling

GET /api/v1/debts/{debt_id}/transactions
  ?from=2026-01-01&to=2026-04-30
Authorization: Bearer <SESSION_TOKEN>

200 OK
{
  "debt_id": "dbt_001-loan-7",
  "principal": 5000.00,
  "balance_remaining": 1150.00,
  "transactions": [
    {"id":"tx_a1","type":"payment","amount":1500.00,
     "currency":"MXN","occurred_at":"2026-02-04",
     "balance_after":3500.00,"note":"abono parcial"}
  ]
}

// Error envelope
4xx { "error":"invalid_scope",
      "message":"transactions.read not granted",
      "request_id":"req_8af1" }

4. Webhook for new payment

POST https://your-app.example.com/webhooks/debt-payment
X-Signature: sha256=...
Content-Type: application/json

{
  "event":"payment.recorded",
  "debtor_id":"dbt_001",
  "debt_id":"dbt_001-loan-7",
  "amount":350.00,
  "currency":"MXN",
  "occurred_at":"2026-04-29T11:02:33Z",
  "balance_after":800.00
}

Signed with HMAC-SHA256; replay-protection via X-Timestamp. Retries follow exponential backoff for 24 hours.

Deliverables checklist

• OpenAPI / Swagger specification for every endpoint
• Protocol-analysis report covering local data store, sync logic, and any cloud touchpoints
• Runnable source code in Python or Node.js (FastAPI / Express templates)
• Sample CSV / XLSX exports plus mapping sheet to QuickBooks / Xero / Zoho Books
• Webhook signing and verification helper
• Test suite (pytest / Jest) and Postman collection
• Privacy & consent guidance aligned with LGPD / GDPR / Mexico LFPDPPP

Engagement models

• Source-code delivery from $300 — runnable API source plus full documentation; pay after delivery upon satisfaction.
• Pay-per-call API billing — call our hosted endpoints and pay only for the calls you make, no upfront cost.
• Hybrid — protocol analysis + hosted API for the first 90 days, optional source handover later.

About our studio

We are an independent technical studio specializing in App interface integration and authorized API integration. Our engineers come from fintech, payments, and protocol-analysis backgrounds, and our day-to-day work spans financial and banking apps, e-commerce and food-delivery, hotel and travel, and social and OTT platforms. For Deudores y Cobranza specifically, we bring direct experience extracting structured debt and transaction data from Android apps and reshaping it into compliant, OpenFinance-style feeds.

• Marketed to overseas clients; familiar with Latin-American and EU data norms
• Compliant, lawful interface implementations only — never destructive techniques
• Android and iOS coverage with ready-to-use API source code, docs, and test plans
• Two engagement models: source-code delivery from $300, or pay-per-call hosted API

Contact

Tell us your target app and the requirements. We will reply with a scoped proposal, indicative timeline, and engagement model recommendation.

Open contact page

For Deudores y Cobranza projects, please mention the package ID com.pepivsky.debtorsapp and which data feeds matter most (debtors, transactions, webhooks, exports).

Engagement workflow

1. Scope confirmation — which Deudores y Cobranza feeds (debtors, debts, transactions, webhooks).
2. Protocol analysis & API design — 2–5 business days depending on data store complexity.
3. Build & internal validation against a test debtor portfolio — 3–8 business days.
4. Documentation, mapping sheet, and Postman collection — 1–2 business days.
5. First delivery typically lands within 5–15 business days; cross-account or multi-device flows may extend the timeline.

FAQ

What do you need from me?

How long does delivery take?

How do you handle compliance?

Can I keep the source after the engagement?