Compliance

Agreement coverage and compliance requirements

Compliance & Agreement Coverage

This section covers compliance requirements and agreement references for the Kasi Collections API.

Collections Result CSV Fields (Section 5.2a)

All 13 required fields are included in collection result exports:

#	Field	Description
1	period_month	Collection period (YYYY-MM)
2	customer_id	Internal customer identifier
3	external_customer_ref	Your customer reference
4	policy_number	Policy identifier
5	product_code	Product identifier
6	collection_amount_due	Premium amount due
7	collection_amount_collected	Amount successfully collected
8	shortfall	Uncollected amount
9	collection_status	PAID_FULL / PAID_PARTIAL / UNPAID / CANCELLED
10	first_attempt_date	Date of first collection attempt
11	last_attempt_date	Date of most recent attempt
12	number_of_attempts	Total attempts made
13	last_failure_reason	Reason for last failure (if any)

Settlement Components (Section 6.3)

All required fee components are included in settlements:

Component	Calculation	Rate	Agreement Reference
Distribution Fee	25% of total collections	25%	Section 6.1
Collections Fee	3.5% of total collections	3.5%	Section 6.2
Total Fees	Distribution + Collections	-	-
VAT	15% of total fees	15%	Section 6.3c
Net Amount	Collections - Fees - VAT	-	-

Service Level Agreement

Requirement	Deadline	Agreement Section
Collections execution	Throughout month	Section 4.2
Full collection target	By month end	Section 4.2d
Settlement generation	By 1st of following month	Section 6.4a
Invoice delivery	By 2nd of following month	Section 6.4b
EFT payment + CSV export	By 3rd of following month	Section 6.4c
Dispute window	30 days from receipt	Section 6.5

Policy Management (Section 5.1)

Policy Creation (Section 5.1a)

Individual Creation: POST /policies - Add policies programmatically
Bulk Import: POST /policies/import - Bulk onboard policies at start of month

Policy Updates (Section 5.1b)

Premium Changes: Update collection_amount for upgrades/downgrades
Status Changes: Update status for cancellations/lapses
Endpoint: PATCH /policies/{id}

Collections (Section 4.2 & 5.2)

Smart Collections Engine (Section 4.2)

The Smart Collections Engine:

Analyzes customer income patterns
Optimizes collection timing
Handles partial collections
Auto-retries failed collections
Targets full collection by month end

Collection Queries (Section 5.2b)

Endpoint: GET /collections/{id}
Use Case: Check individual collection progress
Returns: Complete collection status and history

Collection Reports (Section 5.2a)

Endpoint: GET /reports/collections
Use Case: End-of-month reconciliation
Format: CSV with 13 required fields

Settlements (Section 6.4)

Settlement Generation (Section 6.4a)

Endpoint: POST /settlements
Timeline: Generated by 1st of following month
Includes: All fee calculations and net amount

Invoice Delivery (Section 6.4b)

Timeline: Delivered by 2nd of following month
Format: Available via settlement details endpoint

EFT Payment & Export (Section 6.4c)

Timeline: Processed by 3rd of following month
Export: GET /settlements/{id}/export - CSV download
Payment: EFT to your account with payment reference

Dispute Window (Section 6.5)

Period: 30 days from receipt
Process: Contact integrations@kasi.money for disputes

Fee Structure (Schedule 1)

Fee structure is defined in Schedule 1 of the service agreement:

Distribution Fee: 25% of total collections
Collections Fee: 3.5% of total collections
VAT: 15% of total fees
Net Amount: Collections - Fees - VAT

See Fee Structure for detailed calculations.

Data Protection

POPIA Compliance

All data handling complies with the Protection of Personal Information Act (POPIA) 2013:

Data encrypted in transit and at rest
Secure API key authentication
Access controls and audit trails
Data retention policies

Data Retention

Minimum: 30 days (dispute window)
Recommended: 7 years (financial records compliance)
Export Access: Available throughout retention period

Fee Structure - Detailed fee calculations
Settlements Resource - Settlement endpoints
Technical Details - Security and data formats
Full API Reference - Interactive API documentation

Authentication

API Key authentication for Kasi Collections API

Fee Structure

Understanding fees and calculations