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<span class="badge bg-info-subtle text-info-emphasis border border-info-subtle px-3 py-2 rounded-pill fw-bold">
<i class="bi bi-cash-stack me-1"></i> Volume 4 • Article #12
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Routes: <code>payment/index</code> • <code>payment/viewPayment</code> • <code>payment/bulk</code> • <code>payment/settings</code>
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<h1 class="display-6 fw-bold text-dark mb-3">Payments Received, Treasury Clearing, Credit Wallets & 4-Mode Bulk Remittance Studio</h1>
<p class="lead text-muted mb-0">
A complete guide to receipting customer payments (<code>RCT-</code>), tracking gateway merchant fees vs. net bank inflow, verifying Proofs of Payment (POP) through the Clearing Pipeline, managing Customer Credit Wallets (overpayments & retainers), and executing single-client or multi-client lump-sum remittance batches (<code>REM-</code>).
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<h6 class="fw-bold text-uppercase text-muted small mb-3">
<i class="bi bi-list-columns-reverse me-2 text-info-emphasis"></i>In This Article
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<ul class="list-unstyled mb-0">
<li class="mb-1"><a href="#sec-12-1" class="text-decoration-none">12.1 Plain-English Accounting: Gross Receipt vs. Merchant Fee vs. Credit Wallet Surplus</a></li>
<li class="mb-1"><a href="#sec-12-2" class="text-decoration-none">12.2 Payments & Treasury Command Center (<code>payment/index</code>) & Its 3 Views</a></li>
<li class="mb-1"><a href="#sec-12-3" class="text-decoration-none">12.3 The Payment Receipt & Treasury Audit Cockpit (<code>payment/viewPayment/{id}</code>)</a></li>
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<li class="mb-1"><a href="#sec-12-4" class="text-decoration-none">12.4 The 4-Mode Bulk Payments & Remittance Studio (<code>payment/bulk</code>)</a></li>
<li class="mb-1"><a href="#sec-12-5" class="text-decoration-none">12.5 The Payments & Treasury Customization Studio (<code>payment/settings</code>)</a></li>
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<i class="bi bi-calculator text-info-emphasis me-2"></i>12.1 Plain-English Accounting: Gross Receipt vs. Merchant Fee vs. Credit Wallet Surplus
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<p>
When a customer pays you, three real-world accounting scenarios frequently occur that trip up basic invoicing tools. Keystone X handles all three automatically:
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Scenario 1: Standard EFT Settlement
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<p class="text-muted">Customer owes <strong>R 1,150.00</strong> on `INV-0042` and transfers R 1,150.00 via EFT with zero bank fee:</p>
<ul class="mb-0 ps-3">
<li><strong>DEBIT Bank (Asset):</strong> +R 1,150.00</li>
<li><strong>CREDIT Accounts Receivable (Asset):</strong> −R 1,150.00</li>
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<p class="mt-2 mb-0 text-muted">Result: Your cash goes up, and the customer's debt drops to R 0.00.</p>
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Scenario 2: Card / Gateway Merchant Fee Split
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<p class="text-muted">Customer pays <strong>R 1,000.00</strong> by Credit Card (`2.85%` fee = R 28.50). The customer's invoice must be settled for the full R 1,000.00, even though only <strong>R 971.50 (Net Inflow)</strong> lands in your bank account:</p>
<ul class="mb-0 ps-3">
<li><strong>DEBIT Bank (Asset):</strong> +R 971.50 (Net Inflow)</li>
<li><strong>DEBIT Merchant / Gateway Fees (Expense):</strong> +R 28.50</li>
<li><strong>CREDIT Accounts Receivable (Asset):</strong> −R 1,000.00 (Gross Receipt)</li>
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Scenario 3: Overpayment to Credit Wallet
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<p class="text-muted">Customer owes <strong>R 8,500.00</strong> on an invoice but transfers a round <strong>R 10,000.00</strong> EFT:</p>
<ul class="mb-0 ps-3">
<li><strong>R 8,500.00</strong> settles the open Tax Invoice in full (`Paid`).</li>
<li><strong>R 1,500.00 Surplus</strong> is automatically credited to the customer's <strong>Unallocated Credit Wallet (`customers.credit_balance`)</strong> so you can apply it to their next invoice in 1 click!</li>
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<i class="bi bi-speedometer2 text-info-emphasis me-2"></i>12.2 Payments & Treasury Command Center (<code>payment/index</code>) & Its 3 Views
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<p>
Navigate to <strong>Sales & Receivables → Payments Received</strong> (`payment/index`) to open the <strong>Payments, Clearing & Treasury Command Center</strong>.
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<p class="fw-bold text-dark mb-1">📸 [SCREENSHOT PLACEHOLDER: <code>payments-treasury-command-center.png</code>]</p>
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<strong>How to Capture:</strong> Open <code>/payment/index</code>. Capture the 4 top KPI cards, the 3-mode Workspace Switcher (<code>Receipts Ledger | Clearing Pipeline | Credit Wallets & AR</code>), the filter bar, and the Receipts Ledger table.
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<h5 class="fw-bold text-dark mt-4 mb-2">The 4 Executive Treasury KPI Cards</h5>
<ol class="small">
<li><strong>Gross Receipts Collected:</strong> Total gross payments recorded across all methods, plus total transaction count and a green pill showing <strong>Cleared Value</strong>.</li>
<li><strong>Net Treasury Inflow:</strong> Exact cash landed in your bank accounts after deducting gateway/merchant fees (<code>Gross − Fees</code>), plus a red pill showing total <strong>Merchant Fees</strong> deducted.</li>
<li><strong>Clearing Pipeline Queue:</strong> Total rand value currently sitting in `Pending` or `POP Under Review` awaiting bank statement reconciliation, plus a blue pill showing how many payments include an uploaded <strong>Proof of Payment (`With POP`)</strong>.</li>
<li><strong>Client Credit Wallets:</strong> Total unallocated retainer/overpayment credit sitting across all customer wallets, plus the count of funded wallets and total open AR Receivable across the company.</li>
</ol>
<h5 class="fw-bold text-dark mt-4 mb-2">The 3 Workspace Views on <code>payment/index</code></h5>
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<th style="width: 24%;">Workspace View</th>
<th>Columns, Cards & Interactive Workflows</th>
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<td><strong>1. Receipts Ledger</strong><br>(<code>?view=list</code>)</td>
<td>
Master tabular register of every receipt (`RCT-0001`). Displays:
<ul class="mb-0 ps-3 mt-1">
<li><strong>Receipt # & Date:</strong> Links to `payment/viewPayment/{id}`; shows `REM-XXXX` badge if part of a bulk remittance batch, plus a `+R X Wallet` pill if the payment created an overpayment surplus.</li>
<li><strong>Customer & Invoice:</strong> Links to both the Customer Profile and the settled Tax Invoice (`INV-`).</li>
<li><strong>Method & Bank Ref:</strong> Payment method badge + bank statement reference + clickable <strong>POP clip icon</strong> to preview the uploaded Proof of Payment.</li>
<li><strong>Gross / Fee / Net:</strong> Displays Gross Receipt, Merchant Fee (`-R XX.XX`), and Net Bank Inflow (`Net: R X,XXX.XX`).</li>
<li><strong>Clearing Status & Actions:</strong> Shows the current clearing badge (`Logged / Pending POP`, `POP Under Review`, `Pending Bank Clearance`, `Cleared / Reconciled`). The `...` menu lets you open the Receipt Cockpit, download the Official Receipt PDF (`payment/receiptPdf/{id}`), or click <strong>Mark Cleared & Reconciled</strong> in 1 click.</li>
</ul>
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<td><strong>2. Clearing Pipeline</strong><br>(<code>?view=board</code>)</td>
<td>
An interactive drag-and-drop Kanban board where treasury clerks drag payment cards across your configured clearing stages (e.g., from <code>POP Under Review</code> → <code>Cleared / Reconciled</code>) as funds reflect on the bank statement (`payment/updateClearingStatusAjax`).
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<td><strong>3. Credit Wallets & AR</strong><br>(<code>?view=wallets</code>)</td>
<td>
Dedicated directory of every customer who has either an active <strong>Credit Wallet Balance (`credit_balance > 0`)</strong> or an unpaid <strong>Outstanding AR Balance</strong>. Each row provides two instant buttons:
<ul class="mb-0 ps-3 mt-1">
<li><strong><i class="bi bi-magic"></i> Apply Credit:</strong> Opens the <strong>Apply Customer Credit Wallet to Invoice Modal (`#applyWalletModal`)</strong>, listing all open invoices for that client so you can settle an invoice from their wallet in 1 click (`payment/payFromWallet`).</li>
<li><strong><i class="bi bi-layers"></i> Allocate Payment:</strong> Jumps directly to the Bulk Allocation Studio pre-loaded for that customer (`payment/bulk?customer_id={id}`).</li>
</ul>
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<h5 class="fw-bold text-dark mt-4 mb-2">Recording a Single Payment (<code>#quickRecordPaymentModal</code>)</h5>
<p class="small text-muted">
Clicking <strong>+ Record Payment</strong> in the top header opens a smart receipting modal where selecting an open Invoice automatically calculates:
</p>
<ul class="small">
<li><strong>Live Overpayment Detection Banner:</strong> If you type a Payment Amount larger than the selected invoice's balance due, a blue banner appears in real time: <em>"Overpayment Detected: R X,XXX.XX exceeds the invoice balance and will automatically be credited to the customer's Credit Wallet."</em></li>
<li><strong>Live Merchant Fee & Net Treasury Inflow Banner:</strong> If you select a Payment Method that carries a configured gateway fee (e.g., <em>Credit / Debit Card POS — 2.85%</em>), an amber banner calculates the exact **Merchant Fee** and **Net Bank Deposit** before you even click save!</li>
<li><strong>Mandatory POP Guard:</strong> If the payment amount reaches or exceeds your Studio's **Mandatory POP Threshold** (e.g., R 5,000.00), a warning reminds the operator to attach the client's Proof of Payment (`pop_file`).</li>
</ul>
</section>
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<i class="bi bi-shield-check text-info-emphasis me-2"></i>12.3 The Payment Receipt & Treasury Audit Cockpit (<code>payment/viewPayment/{id}</code>)
</h2>
<p>
Clicking any Receipt Number (`RCT-`) opens the <strong>Payment Receipt & Treasury Audit Cockpit</strong> (`payment/viewPayment/{id}`).
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<p class="fw-bold text-dark mb-1">📸 [SCREENSHOT PLACEHOLDER: <code>payment-receipt-audit-cockpit.png</code>]</p>
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<strong>How to Capture:</strong> Open any receipt at <code>/payment/viewPayment/{id}</code>. Capture the interactive Clearing Pipeline Stepper at the top, the 4-card ERP Financial Attribution Bridge, the Official Payment Receipt Voucher preview, and the Proof of Payment (POP) sidebar card.
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<h5 class="fw-bold text-dark mt-4 mb-2">Key Components of the Receipt Audit Cockpit</h5>
<ol class="small">
<li><strong>Interactive Treasury Clearing Stepper:</strong> Click any stage node (`Logged / Pending POP` → `POP Under Review` → `Pending Bank Clearance` → `Cleared / Reconciled`) to transition the receipt's clearing status immediately.</li>
<li><strong>The 4-Card ERP Financial Attribution Bridge:</strong>
<ul>
<li><strong>Card 1 — Tax Invoice Settlement:</strong> Shows Linked Invoice (`INV-`), Invoice Total, Previously Paid, This Allocation, Remaining Invoice Balance, and a visual settlement percentage bar.</li>
<li><strong>Card 2 — Treasury & Net Inflow:</strong> Shows Gross Receipt, Gateway Fee Rate, Deducted Merchant Fee, Net Bank Deposit, and the linked <strong>Treasury Bank Account</strong> name & masked account number.</li>
<li><strong>Card 3 — Client & Credit Wallet:</strong> Links to the Customer Profile, shows any Wallet Surplus generated by this payment, and displays the client's Current Wallet Balance and Total Open AR.</li>
<li><strong>Card 4 — ERP & Batch Lineage:</strong> Shows whether the receipt was a `Single Invoice Receipt` or part of a `Remittance Batch` (`REM-`), links to the Batch Cockpit (`payment/bulkView/{batch_id}`), and shows the GL Journal Status (`Posted` vs. `Pending Clearing`).</li>
</ul>
</li>
<li><strong>Official Payment Receipt Voucher & Sibling Batch Breakdown:</strong> Displays the print-ready remittance voucher. If this receipt was part of a multi-invoice lump-sum batch (`REM-`), it lists all sibling invoices settled in the same transfer so the customer has full reconciliation clarity.</li>
<li><strong>Proof of Payment (POP) Verification Viewer:</strong> Displays an inline image preview (for `JPG/PNG/WEBP` uploads) or PDF document card with 1-click download and replacement upload controls.</li>
</ol>
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<i class="bi bi-layers-half text-info-emphasis me-2"></i>12.4 The 4-Mode Bulk Payments & Remittance Studio (<code>payment/bulk</code>)
</h2>
<p>
Corporate clients rarely pay invoices one by one—they send a single lump-sum EFT at month-end to settle 5, 10, or 50 open invoices at once. Even more common, a Debit Order run or Payment Gateway payout settles dozens of <em>different</em> customers in a single consolidated bank deposit.
</p>
<p>
Clicking <strong>Bulk Remittance (`payment/bulk`)</strong> opens a specialized <strong>4-Mode Treasury Allocation & Remittance Studio</strong> designed to handle every high-volume reconciliation scenario in seconds.
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<p class="fw-bold text-dark mb-1">📸 [SCREENSHOT PLACEHOLDER: <code>bulk-remittance-studio-4-modes.png</code>]</p>
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<strong>How to Capture:</strong> Navigate to <code>/payment/bulk?mode=allocate</code> and select a customer with multiple open invoices. Capture the 4 Mode Tabs at the top, the Step 1 & Step 2 cards on the left, and the Smart Auto-Allocation Engine toolbar (FIFO, Overdue First, Smallest First, Pro-Rata %, Settle All) on the right.
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<th style="width: 25%;">Studio Mode Tab</th>
<th>How It Works & Key Controls</th>
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<td><strong>Mode 1: Single-Client Lump-Sum Split</strong><br>(<code>?mode=allocate</code>)</td>
<td>
Splits one payment from a single customer across multiple open invoices (`payment/bulkAllocate`):
<ul class="mb-0 ps-3 mt-1">
<li><strong>Step 1 — Select Customer & Credit Wallet Sweep:</strong> Choose the customer. If they have funds in their Credit Wallet, toggle <strong>Sweep & Include Customer Credit Wallet Balance (`use_credit_wallet`)</strong> to add their wallet funds to your allocation pool!</li>
<li><strong>Step 2 — Lump-Sum Parameters:</strong> Enter the <strong>Cash / EFT Amount Received (`total_payment_amount`)</strong>, Date, Payment Method (auto-calculates gateway fee & net bank deposit), Target Treasury Bank Account (`bank_account_id`), Clearing Status, Bank Reference, and optional POP upload.</li>
<li><strong>Step 3 — 5 Smart Auto-Allocation Algorithms:</strong> Instead of typing numbers manually row-by-row, click any of the 5 distribution buttons above the invoice table:
<ol class="ps-3 mt-1">
<li><strong><i class="bi bi-magic"></i> FIFO (Oldest Due):</strong> Allocates funds starting with the oldest due date first until the pool runs out.</li>
<li><strong><i class="bi bi-exclamation-octagon"></i> Overdue First:</strong> Prioritizes delinquent overdue invoices first, then current invoices.</li>
<li><strong><i class="bi bi-sort-numeric-down"></i> Smallest First:</strong> Clears the smallest invoice balances first to close out the maximum number of open invoices.</li>
<li><strong><i class="bi bi-percent"></i> Pro-Rata %:</strong> Distributes a partial lump sum proportionally across all open invoices based on each invoice's share of total debt.</li>
<li><strong><i class="bi bi-check2-all"></i> Settle All:</strong> Auto-fills the exact amount needed to pay 100% of every open invoice.</li>
</ol>
</li>
<li><strong>Live Pool Bar:</strong> Shows <em>Total Pool Available</em>, <em>Allocated to Invoices</em>, and <em>Unallocated Surplus → Credit Wallet</em>. Any leftover rand amount is automatically banked into the client's Credit Wallet!</li>
</ul>
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<td><strong>Mode 2: Multi-Client Deposit Run</strong><br>(<code>?mode=multiclient</code>)</td>
<td>
Settles open invoices across <strong>multiple different customers</strong> in a single consolidated bank deposit batch (`payment/bulkMultiClient`)—ideal for Debit Order batch runs, PayFast/Stripe gateway settlements, or cash banking runs:
<ul class="mb-0 ps-3 mt-1">
<li>Displays every open invoice across the entire company in a filterable grid (`Search client or invoice #`, `All Invoices` vs. `Overdue Only`).</li>
<li>Click <strong>Select All</strong>, <strong>Select Overdue</strong>, or check individual invoices across 10 different customers.</li>
<li>Generates a single master <strong>Multi-Client Remittance Batch (`REM-`)</strong> and individual official receipts (`RCT-`) for every customer in one click.</li>
</ul>
</td>
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<tr>
<td><strong>Mode 3: Remittance Batches Ledger</strong><br>(<code>?mode=batches</code>)</td>
<td>
Master audit register of every `REM-XXXX` batch created. Shows Batch #, Date, Customer (or <code>Multi-Client Deposit Run</code> badge), Method, Target Bank Account, Gross/Fee/Net, Invoice Allocation Count, Wallet Surplus, Clearing Stage, and direct buttons to open the <strong>Batch Cockpit (`payment/bulkView/{id}`)</strong> or download the <strong>Consolidated Remittance Advice PDF (`payment/batchPdf/{id}`)</strong>.
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<tr>
<td><strong>Mode 4: Batch Clearing Pipeline</strong><br>(<code>?mode=board</code>)</td>
<td>
Drag-and-drop Kanban board specifically for Remittance Batches (`REM-`), allowing your treasury team to drag entire deposit batches across clearing stages (`payment/updateBatchStatusAjax`) so every underlying child receipt (`RCT-`) updates in lockstep!
</td>
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</section>
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<h2 class="h4 fw-bold text-dark border-bottom pb-2 mb-3">
<i class="bi bi-sliders text-info-emphasis me-2"></i>12.5 The Payments & Treasury Customization Studio (<code>payment/settings</code>)
</h2>
<p>
Navigate to <strong>Sales & Receivables → Payments Received → Studio</strong> (`payment/settings`) to configure your receipt sequences, gateway fee formulas, clearing stages, and receipt PDF templates across <strong>4 Studio Tabs</strong>:
</p>
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<p class="fw-bold text-dark mb-1">📸 [SCREENSHOT PLACEHOLDER: <code>payment-customization-studio.png</code>]</p>
<p class="text-muted small mb-0">
<strong>How to Capture:</strong> Open <code>/payment/settings</code> and click the <strong>2. Payment Methods & Fees</strong> tab. Capture the table of payment methods showing Fee %, Fixed Fee, and Est. Clearing SLA days.
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<th style="width: 25%;">Studio Tab</th>
<th>Configurable Settings & Rules</th>
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<td><strong>1. Numbering & Automation</strong><br>(<code>#tab-numbering</code>)</td>
<td>
<ul>
<li><strong>Receipt Numbering:</strong> Set `receipt_prefix` (default `RCT-`), `receipt_next_number`, and digit padding.</li>
<li><strong>Remittance Batch Numbering:</strong> Set `remittance_prefix` (default `REM-`) and `remittance_next_number`.</li>
<li><strong>Mandatory POP Threshold (`require_pop_above_amount`):</strong> Set a rand threshold (e.g., `R 5,000.00`) above which staff are prompted to upload a Proof of Payment document.</li>
<li><strong>3 Treasury Automation Toggles:</strong>
<ol class="mb-0 ps-3">
<li><strong>Auto-Email Official Receipt on Payment (`auto_send_receipt_email`)</strong></li>
<li><strong>Auto-Route Overpayments to Customer Credit Wallet (`enable_overpayment_wallet`)</strong></li>
<li><strong>Allow Partial Invoice Settlements (`allow_partial_payments`)</strong></li>
</ol>
</li>
</ul>
</td>
</tr>
<tr>
<td><strong>2. Payment Methods & Fees</strong><br>(<code>#tab-methods</code>)</td>
<td>
Add or edit payment channels (`#methodModal`) such as <em>EFT / Bank Transfer</em>, <em>Credit / Debit Card (POS)</em>, <em>PayFast / Online Gateway</em>, <em>Cash Deposit</em>, or <em>Customer Credit Wallet</em>. For each method, define:
<ul class="mb-0 ps-3 mt-1">
<li><strong>Gateway / Merchant Fee (%):</strong> e.g., `2.85%`.</li>
<li><strong>Fixed Transaction Fee (R):</strong> e.g., `R 2.00`.</li>
<li><strong>Est. Clearing SLA (Business Days):</strong> e.g., `0 Days (Instant)` or `2 Days`.</li>
<li><strong>Requires Bank Reference</strong> & <strong>Requires POP Upload</strong> checkboxes.</li>
</ul>
</td>
</tr>
<tr>
<td><strong>3. Clearing Pipeline Stages</strong><br>(<code>#tab-stages</code>)</td>
<td>
Customize the Kanban stages (`#stageModal`) used in the Treasury Clearing Pipeline (`Logged / Pending POP`, `POP Under Review`, `Pending Bank Clearance`, `Cleared / Reconciled`, `Bounced / Reversed`).
</td>
</tr>
<tr>
<td><strong>4. Official Receipt PDF</strong><br>(<code>#tab-pdf</code>)</td>
<td>
Choose the <strong>Receipt PDF Accent Theme Color</strong> (`Emerald`, `Royal Blue`, `Slate`, `Indigo`), customize the <strong>Official Receipt Footer Note</strong>, and write the <strong>Legal Clearing Disclaimer</strong> (e.g., <em>"This receipt is issued subject to final bank clearance of EFT or cheque funds."</em>).
</td>
</tr>
</tbody>
</table>
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</section>
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