BNI Direct Receivables
A real-time twenty-four-hour collection solution with flexible billing, strong control, and faster reconciliation
What changes once BNI Direct Receivables is running.
- 01
Real-time twenty-four-hour payment with faster confirmed status.
- 02
Real-time settlement to speed up receivable updates and bookkeeping.
- 03
Flexible billing and Virtual Accounts, including validity periods and billing schemes.
- 04
Multi-channel payment to improve collection success.
- 05
Automatic notifications and callbacks to speed up transaction status updates.
- 06
More accurate monitoring, reporting, and reconciliation for operational control
- 07
Ready for integration standards, SNAP included
Collection was made faster and more transparent through an integrated real-time 24/7 payment service. SPE Solution delivered billing/VA management, a transaction monitoring dashboard, and automatic payment notifications so finance teams can follow payment status in real time. The result is more efficient billing, faster reconciliation, and better control of company cash flow.
The channels and features used in the field.
- VA Debit
- VA Credit
- VA Cardless
- VA Topup
- VA Billing
What was built, year by year.
The development record for BNI Direct Receivables across 2015–2025 — set down as recorded in the project documents, without impact figures that clients have not yet validated.
- eCollection v1 initiation, Portal Dashboard, Create VA Credit API
- v1 feature strengthening: Debit type, Billing VA, dashboard enhancement
- Debit Cardless + VA monitoring in the portal
- VA Menu (Billing), Inquiry VA Topup, Smartpay, SMS notifications
- Operations & integration: banner, account alert, SFTP to biller, pipeline & callback features
- Upgrade to eCollection v2: Portal v2, data migration, VA prefix, fraud monitoring, extended callback, reversal & brand name
- Email notifications to BNI, Debit Cardless eWallet, fraud control (limit/block Create VA), general callback
- Roadmap: eColl v3, multi-currency, biller crypto (auto-create VA)
- Portal & service optimisation (VA management, fee merge, SFTP, database/infrastructure)
- Foundation for BNI Direct integration + mobile eCollection + pentest preparation
- BNI Direct integration live, CXO & internal mobile access, pentest/BCP, audit preparation
- v2–v3 integration, fee formula development, settlement report scheduler, SNAP v1.1 update
- Observability & logging (APMELK, ClickHouse), CXO integration, custom VA SNAP API
- Security upgrade (OTP, YubiKey, captcha), MT940 reconciliation
- Settlement report fixes, portal optimisation, fee tiering, data warehouse development
In short.
BNI Direct Receivables makes collection easier through real-time twenty-four-hour payment, flexible billing management, and automatic monitoring and notifications. Clear transaction visibility helps speed up reconciliation while keeping reporting accurate in day-to-day operations.
If you need a discussion about workflow design, integration, and dashboards for an integrated receivables solution, you can book a consultation with the SPE Solution team.