# Funds Collection

#### The collection flow Process

For a collection transaction to happen, it goes through several steps for it to have a final status in the GovNet back office, and below are the detailed steps for this to happen;-

<mark style="color:red;">**Step 1**</mark>:  The ***CUSTOMER*** initiates a collection (Deposit) transaction via the merchant website or application.

<mark style="color:red;">**Step 2**</mark><mark style="color:red;">:</mark> The ***MERCHANT*** then instructs GovNet to Debit funds via the customer's preferred means of payment such as Mobile Money, Card, or Bank.

<mark style="color:red;">**Step 3**</mark>: Then ***GOVNET*** sends an API request for funds collection from the customer via the payment processor.

<mark style="color:red;">**Step 4:**</mark> The ***PAYMENT PROCESSOR*** then notifies the customer of a collection request from Mobile Money, Card, or Bank.

<mark style="color:red;">**Step 5**</mark>: The Customer then responds to the request as prompted such as entering a PIN number or verification code sent to them. \
When the customer approves the request, funds are debited from their account and the payment processor is notified of the successful debit from the customer.\
When the customer Cancels the request, also the payment processor is notified of the failure such as cancellation by the user, insufficient balance on the customer's account, invalid PIN or password entered, etc.

<mark style="color:red;">**Step 6**</mark>: The payment processor then sends an API response to the GovNet gateway for funds credit on the GovNet float account. This notification contains the current status of the transaction such as COMPLETED, FAILED, CANCELLED.&#x20;

<mark style="color:red;">**Step 7**</mark>: Then GovNet notifies the merchant via Instant Payment Notification of the transaction status and the wallet currency of the transaction gets credited with the same value (in consideration of the charges applied).

**Diagrammatic Representation of the Collection Flow Process for GovNet.**

<figure><img src="/files/CogDWkv0qWkuqYq9IhAZ" alt=""><figcaption><p>Funds Collection Flow</p></figcaption></figure>


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