Register receivables as collateral

How a contract effect on card receivables is registered, and how you check that each settlement arrived.

Make sure the receivable given as collateral is paid to the account your institution indicates, and check later that each expected amount arrived.

This flow is a suggested reading of the Núclea and BACEN manuals. The manuals prevail over this page. Your institution, as the participant, validates the flow. See how to read the diagrams.

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Participants

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• Your institution. The participant that runs the journey and books its effects.
• Receivables registrar. Records the contract effect (lien, fiduciary assignment or change of holder) on the receivable.
• Acquirer. Pays the merchant’s card receivables and reports each settlement to Núclea.
• Núclea. Runs the SLC and SILOC clearinghouses and their settlement windows.

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Diagram

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Steps

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#	From	To	Message	Lerian API	What happens
1	Your institution	Your institution	Internal step		Grant the credit to the borrower and select the receivables that secure it.
2	Your institution	Receivables registrar	Registrar API		Register the contract effect outside Lerian: a lien, a fiduciary assignment or a change of holder.
3	Receivables registrar	Your institution	Registrar API		The registrar confirms the registration.
4	Receivables registrar	Acquirer	Between other parties		The registrar informs the acquirer of the new holder and of the payment account.
5	Acquirer	Núclea	ASLC027/029/031		The acquirer reports each settlement to Núclea with the holder and the account that the contract effect set.
6	Receivables registrar	Your institution	Registrar API		The registrar sends the receivables schedule and the settlements. Reconcile them with the credits your institution received at the domicile.

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How you know it finished

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Every receivable in the schedule matches a credit received at the domicile, or opens an exception.

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Related

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• Receive card receivables at the domicile
• Settle anticipated receivables in real time
• Lerian SLC