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

# How a payment becomes a collection

> The path a driver's mobile money payment takes through Swapinga, from SMS to confirmed collection.

Understanding this path explains most of what you see on the dashboard, and most of what goes wrong.

<Steps>
  <Step title="The driver pays">
    The driver sends their daily amount by mobile money to the collection account.
  </Step>

  <Step title="Swapinga reads the message">
    The platform reads the payment notification message, and records the amount, the date and time, the sender name, and the transaction reference. On the dashboard this appears as **SMS ingestion**. A message the platform cannot read is counted as unparsed.
  </Step>

  <Step title="The payment is matched to a driver">
    Swapinga compares the sender against your driver roster and proposes a match with a confidence score. A high confidence match is confirmed. Anything it cannot place is left unmatched for you to handle in [Reconciliation](/collections/reconciliation).
  </Step>

  <Step title="The collection is counted">
    Once a payment is confirmed against a driver, it counts toward that driver's day, their repayment progress, and your organization's collected total.
  </Step>
</Steps>

## Why a payment might not appear

* The driver paid from a phone number or mobile money account registered to somebody else, so the sender name does not match the roster.
* The driver is not yet fully set up, and shows as **Pending setup** on the roster.
* The payment arrived before your organization's reconciliation start date, so the platform does not scan it. See [Organization settings](/setup/organization).
* The message could not be read and is counted as unparsed.

## Who holds the loan

Swapinga is a technology platform. The loan is held by the licensed financial institution that financed the vehicle. Swapinga records collections, matches payments, and reports on performance. It does not lend, and the figures in Fleet are an operational record, not a bank statement.