Skip to content

How to Process a Deal Payback & Redemption (Auslösung)

Purpose

This operational guide provides the exact procedure for redeeming collateral, settling outstanding loan principal and fees, unslotting items from the vault, and returning merchandise to the customer using the DealPaybackModal in Cashy-Hub.

Prerequisites & Role Permissions

  • Required Role: Counter Operator, Store Clerk, Branch Manager, or Administrator.
  • Identity Verification: Collateral may strictly be handed over to the original borrower or an authorized representative holding a notarized power of attorney (Vollmacht) and the original Pawn Ticket (Pfandschein).

How Collateral Payback & Redemption Works

graph TD
    Trigger["Deal Wizard Top Action Bar: Click 'Payback'"] --> Modal["DealPaybackModal Opens"]
    Modal --> Step1["Step 1: Deal Summary & Elapsed Days"]
    Step1 --> Step2["Step 2: Fee Overrides & Mandatory Notes"]
    Step2 --> Step3["Step 3: Inventory Release (Vault Retrieval)"]
    Step3 --> Step4["Step 4: Payment & Mandatory CashBook"]
    Step4 --> Step5["Step 5: Success Screen & Vault Handover"]
    Step5 --> Done["Click 'Done' -> Modal Closes"]

Step-by-Step Payback Procedure

Step 1: Open the Payback Modal

  1. On the Home Kanban board or Deals directory (/deals), double-click the deal card to open the Deal Wizard in Management Mode.
  2. In the Deal Wizard top action bar (next to the stepper), click the Payback button.
  3. The modal opens displaying:
  4. Header: Title "Payback Deal (Redemption)", subtitle "Deal #{dealId} • {customerName}".
  5. Progress Section: 4-segment progress bar with step title.

Step 2: Step 1 of 4 — Deal Summary & Elapsed Days

  • Visual Title: STEP 1 OF 4 — DEAL SUMMARY & ELAPSED DAYS
  • Information Displayed:
  • Principal loan amount disbursed at deal creation.
  • Deal creation date and today's settlement date.
  • Total elapsed calendar days.
  • Statutory accrued interest and storage fee calculations.
  • Total initial redemption sum due (Principal + Fees).
  • Action: Review the total with the customer and click Continue.

Step 3: Step 2 of 4 — Fee Overrides & Notes

  • Visual Title: STEP 2 OF 4 — FEE OVERRIDES & NOTES
  • Fields & Validation Rules:
  • Adjusted Fees (€): Operator can edit the fee total (e.g. to apply an approved management discount or round odd cents).
  • Notes Textarea (STRICTLY MANDATORY):

[!CAUTION] Mandatory Audit Notes Enforcement: The Continue button is strictly disabled until text is entered into the Notes field: The Continue button remains grayed out and disabled until an audit explanation is entered into the Notes box. The system strictly requires an explanatory note before an operator can advance past Step 2. Operators must enter a concrete audit justification before proceeding (e.g., "Customer paid within grace period; early settlement discount applied" or "Standard redemption fees accepted").

  • Action: Enter your explanation into the Notes field. Once non-empty, the Continue button activates. Click Continue.

Step 4: Step 3 of 4 — Inventory Release (Vault Retrieval)

  • Visual Title: STEP 3 OF 4 — INVENTORY RELEASE (VAULT RETRIVAL)
  • Controls & Inventory Actions:
  • Displays all collateral items associated with the deal along with their recorded Storage Label (e.g. VAULT-SAFE-2-B4).
  • Remove items from storage automatically Toggle:
    • Checked (Default): The system automatically marks the storage bin as vacant upon redemption confirmation.
    • Unchecked: Used if the customer will pick up bulky goods or vehicles at a later date.
  • Action: Verify the storage toggle and click Continue.

Step 5: Step 4 of 4 — Payment & Final Review

  • Visual Title: STEP 4 OF 4 — PAYMENT & FINAL REVIEW
  • Fields & Selection:
  • Total Payback Amount (€): Final sum collected at the counter (Principal + Adjusted Fees).
  • Payment Type Dropdown: Select Cash, Card, Bank, or Unzer.
  • Select CashBook Dropdown (MANDATORY): Select the active store cash drawer receiving the funds.
  • Release Status: Displays confirmation that storage slots will be cleared.
  • Action: Click the primary Confirm Payback button.

Step 6: Step 5 — Success Screen & Handover

  • Visual Display:
  • Success icon and confirmation banner:
    • "Deal #{dealId} successfully paid back!"
    • Customer name and storage release status confirmed.
  • Physical Handover:
  • Retrieve the physical collateral items from the indicated vault slot.
  • Have the customer sign the Redemption Release receipt (Auslösequittung).
  • Hand over the merchandise and receipt to the customer.
  • Exit: Click the primary Done button. The modal closes, and the deal moves to the PAYBACK_CONFIRMED terminal state.