> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xbridge.co.tz/llms.txt
> Use this file to discover all available pages before exploring further.

# Record a repayment

> Records a repayment your gateway already collected. `receiptNumber` acts as your idempotency key.



## OpenAPI

````yaml /api-reference/openapi.json post /v1/lms/loans/{loanId}/repayments
openapi: 3.1.0
info:
  title: Bridge API
  version: 1.0.0
  description: >-
    Bridge is Banking-as-a-Service: launch wallets, lending, and payment
    collections while a bank/FSP retains custody and compliance. This reference
    covers the production-proven surface. Get a `keyId`/`secret` from the
    Dashboard, exchange them at `/generate-token` for a 1-hour Bearer token,
    then call the product APIs.


    **Auth recovery:** tokens expire after ~1h. On a 401, re-call
    `/generate-token` and retry once.
servers:
  - url: https://{baasHost}/api
    description: BaaS core (KYC, Lending, Wallets)
    variables:
      baasHost:
        default: services.finance.reli.co.tz
  - url: https://{gatewayHost}/api
    description: >-
      Collections gateway (payment collection) — a separate service and key from
      the BaaS core.
    variables:
      gatewayHost:
        default: bridge-fsp.usereli.tech
security:
  - bearerAuth: []
tags:
  - name: Auth
    description: Exchange API keys for a Bearer token.
  - name: KYC
    description: Customers and identity. KYC is the authoritative customer store.
  - name: Lending
    description: Loan products, origination, schedules, and repayments.
  - name: Wallets
    description: Stored-value wallets, deposits, and escrow.
  - name: Collections
    description: Mobile (USSD) payment collection. Separate service + key.
paths:
  /v1/lms/loans/{loanId}/repayments:
    post:
      tags:
        - Lending
      summary: Record a repayment
      description: >-
        Records a repayment your gateway already collected. `receiptNumber` acts
        as your idempotency key.
      parameters:
        - $ref: '#/components/parameters/LoanId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RepaymentRequest'
            example:
              transactionAmount: 35000
              transactionDate: '2026-04-10'
              paymentTypeId: 1
              receiptNumber: MPESA-ABC123XYZ
              note: Mobile money repayment
      responses:
        '200':
          description: Repayment recorded
          content:
            application/json:
              example:
                status: repayment-accepted
                loanId: 5c9e2b3c-4d5e-6f7a-8b9c-1d2e3f4a5b6c
                amount: 35000
components:
  parameters:
    LoanId:
      name: loanId
      in: path
      required: true
      schema:
        type: string
  schemas:
    RepaymentRequest:
      type: object
      required:
        - transactionAmount
        - transactionDate
        - paymentTypeId
      properties:
        transactionAmount:
          type: number
          description: Amount.
        transactionDate:
          type: string
          description: yyyy-MM-dd
        paymentTypeId:
          type: integer
          description: From GET /v1/lms/payment-types.
        receiptNumber:
          type: string
          description: Your unique reference; acts as idempotency key.
        note:
          type: string
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: >-
        Bearer token from POST /generate-token. Expires ~1h; on 401, re-generate
        and retry once.

````