Regular credit limit check and notifications

Purpose

1.1. Ensure wholesale customers do not exceed their agreed credit limits, reducing financial risk.
1.2. Automate real-time credit checks post-sale or at predefined intervals.
1.3. Instantly notify account managers and/or customers when limits are approached or breached.
1.4. Maintain compliance, streamline accounts receivable, and trigger automated follow-up actions.

Trigger Conditions

2.1. New sale/invoice created for a customer.
2.2. Customer payment posted or credit adjustment made.
2.3. Scheduled batch run (e.g., daily at 8 AM for all open accounts).
2.4. Manual override or ad-hoc audit by finance staff.

Platform Variants

3.1. Salesforce
• API: `/services/data/vXX.X/sobjects/Account` for credit limit fields monitoring; Process Builder/Flow for notifications.
3.2. Microsoft Dynamics 365
• API: `GET /accounts` endpoint with credit attribute; Power Automate for alerts.
3.3. Zoho CRM
• Function: “Deluge Function” with `getRecords` for credit extraction, schedule via CRM automation.
3.4. HubSpot
• Feature: “Workflows” to monitor custom ‘Credit Limit’ properties, trigger email/SMS via connected apps.
3.5. QuickBooks Online
• API: `GET /v3/company/{companyId}/customer` for balance/limit, then webhook for notifications.
3.6. NetSuite
• SuiteScript RESTlet for credit querying; Workflow Engine for email/SMS.
3.7. SAP Business One
• DI API: `BusinessPartners.CreditLimit`; alert via internal messaging or SMTP integration.
3.8. Oracle Fusion Cloud
• REST API: `GET /customers` with credit fields; Oracle Workflow for escalation.
3.9. Twilio
• Function: Programmable SMS API to send notifications per credit alarm event.
3.10. SendGrid
• Feature: Email API for automated credit alerts; template injection for customer notifications.
3.11. Slack
• API: `chat.postMessage` to notify sales/finance channels on credit breaches.
3.12. Microsoft Teams
• Connector: Use “Webhook” with adaptive cards for team alerts upon trigger.
3.13. Xero
• API: `GET /contacts` for balance checks, “Reminders” for exceeding limit.
3.14. Freshsales
• Feature: Workflow Automation with custom field watch; email/SMS actions.
3.15. Mailgun
• API: `messages.send` for branded transactional alerts.
3.16. PagerDuty
• API: `POST /incidents` to escalate major credit violations to managers.
3.17. Intercom
• Feature: Automated “Outbound Messages” based on custom API event.
3.18. Google Sheets
• Script: Apps Script to scan balances and push notification via Gmail/Slack API.
3.19. Airtable
• Automation: Watch credit fields, trigger notifications via “Send Email” or webhook.
3.20. Pipedrive
• Feature: Workflow Automation on deal or credit stage; connect to SMS/email for alerts.
3.21. Zendesk Sell
• Trigger: Automate via “Smart List” filter and email alert automation.
3.22. Monday.com
• Automations: Monitor status column (credit risk), connect to Slack/Email.
3.23. SugarCRM
• Logic Hooks: Check credit on record update; email via built-in notification or SMTP integration.

Benefits

4.1. Lowers overdue accounts and operational risk.
4.2. Enables faster response by sales/finance.
4.3. Improves customer trust and communication.
4.4. Scales across thousands of accounts with minimal manual oversight.