Collection File (CFT) is a file that contains information about the collections to be made. It can be generated manually or automatically by merchants via the portal. It is then uploaded to the merchant bank’s folder as instructions for payment processing. Each file may contain one or more collections.

Response Report (RES) is a file returned by the merchant’s bank that updates the collection status. It is provided by the bank on the same day or next working day.

After uploading a Collection File to the merchant’s bank for processing, the bank would return a Response Report, latest by the next working day (refer to the SLA for the collection process). There might be cases where collections are unsuccessful due to system errors or insufficient funds in the customer’s bank account. 

Curlec offers an Auto Retry function (for Scheduled Collections only) that assists merchants in generating payment collections again upon unsuccessful collection.