How Should i Use my Collections API

So I want to use Collections and Disbursement APIs. I want to include them in my School Data Management System(SDMS) in Uganda. 
And my Question is, I have several schools Using my System, So the parents will be paying School Fees directly through the System. Should that money first go through my phone (Using the Collections API) such that i pick my commission and there after my phone sends it to the respective Schools (Using Disbursement). I really need to know how am going to handle this.
Someone guide me on what is required.