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Deudores y Cobranza API
Turn Personal Debt Ledgers into Structured OpenFinance Data Feeds
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INTRODUCTION
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Managing informal loans, credit sales, and personal lending records is a daily reality for millions of micro-businesses and individuals across Latin America and Spain. Deudores y Cobranza — developed under package ID com.pepivsky.debtorsapp — is an Android-first debt and collection manager that gives users a clean, structured ledger to track who owes them money, how much, and on what schedule.
The challenge is not data quality. Deudores y Cobranza captures highly structured financial information: debtor profiles, principal amounts, partial payments, transaction histories, due dates, and currency data. The challenge is that this data sits locked inside a single mobile device — invisible to accounting systems, ERPs, credit-risk dashboards, and OpenFinance pipelines that need exactly this kind of receivables feed.
App Interface Integration Studio delivers compliant API and data-export integrations that liberate the Deudores y Cobranza ledger from a single phone and turn it into a syncable, auditable, queryable financial data feed — aligned with LGPD, GDPR, and regional data-protection laws across LATAM and the EU.
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SUPPORTED API FEATURES
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The Deudores y Cobranza API integration suite covers the full data model of the app, exposing each structured entity as a programmable endpoint or export feed. Core supported capabilities include:
• Debtor Profile API
Read and write full debtor records — name, contact details,
total principal owed, and currency — keeping CRM and
back-office systems aligned with the on-device ledger.
• Transaction History Export
Page through every payment, partial settlement, and
adjustment event with date-range filters. Deliver results
as JSON, CSV, or Excel for monthly close and reconciliation.
• Outstanding Balance and Aging Reports
Compute real-time outstanding balances per debtor, days-past-due
metrics, and aging buckets — the standard fields expected by
any receivables dashboard or credit-risk tool.
• Webhook Events for Payment Updates
Trigger downstream automations — accounting entries, SMS
reminders, dashboard refreshes — the moment a debtor records
a payment inside the app.
• Accounting-Bridge Connector
Map Deudores y Cobranza records to invoice and payment objects
in QuickBooks, Xero, and Zoho Books for double-entry bookkeeping
without manual re-keying.
• Snapshot Data Export Package
One-shot export of all debtors and transactions to CSV, XLSX,
or JSON for migrations, audits, or device-change recovery —
exposed through a fully programmable API endpoint.
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USE CASES & APPLICATIONS
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The Deudores y Cobranza API integration is purpose-built for operators who need structured debt and receivables data flowing into larger financial systems. Five primary application scenarios drive adoption:
[1] MICRO-LENDER TO ACCOUNTING SYNC
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Neighborhood lenders in Mexico, Colombia, Argentina, and Peru record dozens of informal loans per month inside Deudores y Cobranza. The accounting-bridge connector posts each new loan as an invoice in QuickBooks or Xero, and each in-app payment as a matched receipt — turning the phone ledger into double-entry accounting without any re-keying.
• Debtor names map automatically to Customer records
• Loan principals flow into Invoice amounts
• Partial payment events post as matched Payment entries
• Monthly receivables roll-forwards generated automatically
[2] SHOPKEEPER FIADO TO ERP ROLLUP
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Latin-American small shops commonly sell on credit (fiado) to regular customers. The app captures who owes what; the integration aggregates daily outstanding balances across multiple store locations and pushes a consolidated receivables figure into the ERP nightly — an OpenData play standing in for missing POS-level credit reporting.
• Multi-store balance aggregation across devices
• Nightly ERP push for consolidated receivables
• Currency normalization for multi-region portfolios
• Real-time exposure monitoring per customer
[3] COLLECTION-AGENCY HAND-OFF
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When private debts age past a defined threshold, webhooks push the full debtor profile and transaction history into professional debt-collection platforms. The receiving system gets a clean OpenFinance-shaped JSON payload — principal, payment history, last contact note — sufficient to start a compliant collection workflow immediately.
• Automated threshold-based escalation triggers
• Structured JSON payload ready for collection platforms
• Payment history and debtor contact data included
• Compatible with platforms such as Debitura and InterProse ACE
[4] PERSONAL-FINANCE DASHBOARD AGGREGATION
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Users who track expenses in Mobills or Money Tracker — Expense and Budget often want their "money lent out" reflected as a distinct asset class within their personal-finance dashboard. The API exposes Deudores y Cobranza outstanding balances as a callable endpoint, which dashboards can poll alongside bank-account data from OpenFinance Brasil or Mexico's CNBV open-finance pilots.
• Outstanding loan balance exposed as an asset-class feed
• Pollable endpoint compatible with personal-finance aggregators
• Integrates alongside Mobills, Money Tracker, and Splitwise data
• Full visibility into both liabilities owed and money lent out
[5] RISK AND BEHAVIOURAL SCORING
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Repayment-cadence data — how often, how late, partial versus full — is a strong behavioural signal for credit-risk modelling. Lenders building internal scorecards can stream the transaction-history API into a feature store and compute on-time-payment ratios, paydown velocity, and recency of last payment, producing features comparable to those used by AI-driven debt management platforms on bank-linked data.
• Repayment-cadence and on-time-payment ratio computation
• Paydown velocity and partial-payment pattern analysis
• Feature pipeline input for internal credit scorecards
• Stream-ready transaction history with date-range filtering
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BENEFITS & ADVANTAGES
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Integrating Deudores y Cobranza data through a structured API pipeline delivers measurable advantages across operational, compliance, and analytical dimensions:
✓ Eliminate Manual Data Entry
Loans, payments, and debtor profiles sync automatically to
accounting and CRM systems — no spreadsheet exports, no
re-keying, no reconciliation errors.
✓ Real-Time Receivables Visibility
Outstanding balances, aging buckets, and days-past-due
metrics update in real time rather than at month-end,
enabling faster collection prioritization.
✓ LGPD, GDPR, and Regional Compliance Built In
Signed user consent capture, scoped access tokens,
encryption at rest, PII tokenization, and retention
controls aligned with LGPD 2024, GDPR, Mexico LFPDPPP,
Chile PDPL, and Paraguay's credit data law.
✓ Accounting-System Ready Out of the Box
Pre-built field mappings to QuickBooks, Xero, and Zoho
Books mean integration takes days rather than months —
the same bridge model used by Debtor Daddy and Paidnice
for their Xero and MYOB connectors.
✓ Flexible Delivery and Ownership Models
Source-code delivery from $300 means full ownership of
the integration; pay-per-call hosted API means zero
upfront cost — teams choose the model that fits their
build-versus-operate preference.
✓ Multi-Currency and Multi-Region Support
FX normalization and currency-per-debt tracking make
the feed suitable for LATAM operators running portfolios
across Mexico, Colombia, Argentina, Peru, and Spain
simultaneously.
✓ Webhook-Driven Automation
Real-time payment events trigger downstream workflows
— SMS reminders, dunning flows, accounting entries —
without polling, reducing both latency and infrastructure
overhead.
App Interface Integration Studio offers two primary engagement models to match different team profiles and budget constraints:
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Source-Code Delivery — From $300
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Receive runnable API source code in Python (FastAPI) or Node.js (Express), full OpenAPI / Swagger documentation, a Postman collection, sample CSV/XLSX exports, a field-mapping sheet to QuickBooks / Xero / Zoho Books, and privacy and consent guidance. Payment is due after delivery and upon satisfaction. Teams own the source outright and can deploy, extend, and modify independently.
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Pay-Per-Call Hosted API
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Call the studio's hosted endpoints and pay only for the API calls made — no upfront cost, no infrastructure to manage. Suitable for teams evaluating the integration or operating at lower call volumes before committing to source-code ownership. A hybrid model is also available: hosted API for the first 90 days with an optional source handover later.
Typical delivery timelines run 5 to 15 business days for a first API drop and documentation, with multi-device sync or accounting-bridge work adding approximately one additional week.
Deudores y Cobranza (com.pepivsky.debtorsapp) holds some of the most structured personal and micro-business credit data in the Latin American and Spanish markets — debtor profiles, loan records, payment transactions, and aging schedules that accounting systems and credit-risk platforms are built to consume. The gap is the API layer, and that is precisely what this integration service closes.
Whether the goal is automating a neighborhood lender's bookkeeping, rolling up fiado credit across a multi-store operation, feeding a behavioural scoring model, or routing aged debts to a collection platform, the Deudores y Cobranza API integration delivers a compliant, structured, and immediately deployable data pipeline.
For teams ready to move personal debt ledgers out of a single device and into a connected OpenFinance architecture, the engagement starts with a scoped proposal — typically returned within one business day.
Visit the full integration overview and contact the studio at:
https://openfinance-lab.com/deudores-y-cobranza.html
