Finance and Payment Processing AutomationsPurpose
1.2. Reduce business risk and exposure by quickly identifying deteriorating customer risk.
1.3. Streamline payment term adjustments based on real-time credit information.
1.4. Enable automated notifications for finance teams regarding critical risk changes.
1.5. Support compliance and minimize fraud across alcoholic beverage transactions.
1.6. Automate review process before approving high-ticket orders.
Trigger Conditions
2.2. Scheduled batch refresh (daily, weekly, monthly, configurable).
2.3. Customer flagged by finance or external API for review.
2.4. Overdue payments detected on a customer’s account.
2.5. Change in external credit bureau data.
Platform Variants
• Feature/Setting: Real-time credit report retrieval; API endpoint `/business` with customer D-U-N-S Number and scheduled poller.
3.2. Equifax Commercial API
• Feature/Setting: Commercial Score Query; configure risk threshold filter and periodic refresh.
3.3. Creditsafe API
• Feature/Setting: Company Monitoring endpoint; enable webhook to receive updates.
3.4. Dun & Bradstreet Direct+
• Feature/Setting: Investigation API call; input: company identifiers, trigger on-order creation.
3.5. Salesforce
• Feature/Setting: Flow automation and external credit score field sync; trigger on account record change.
3.6. SAP S/4HANA
• Feature/Setting: Credit Management module integration; periodic batch job for score refresh.
3.7. Oracle NetSuite
• Feature/Setting: SuiteScript scheduled workflow to update customer risk levels.
3.8. Microsoft Dynamics 365 Finance
• Feature/Setting: Custom connector for third-party credit APIs; field mapping for accounts.
3.9. QuickBooks Online
• Feature/Setting: App integration trigger when overdue invoice detected; call credit check service.
3.10. Xero
• Feature/Setting: Scheduled app automation for credit scoring after payment defaults.
3.11. Plaid
• Feature/Setting: Fetch bank account activity for alternative risk assessment post order.
3.12. Stripe
• Feature/Setting: Automated webhook when customer payment fails; triggers credit check API.
3.13. Sage Intacct
• Feature/Setting: Smart rule on AR aging report to initiate external credit refresh.
3.14. Zoho Books
• Feature/Setting: Custom function on overdue invoice event; triggers external API call.
3.15. HubSpot CRM
• Feature/Setting: Workflow that updates client company record with risk status from API.
3.16. Zendesk Sell
• Feature/Setting: Custom automation post-support ticket for payment issues to trigger scoring.
3.17. Freshsales
• Feature/Setting: Territory-level scoring workflow; update account with external score field.
3.18. AWS Lambda
• Feature/Setting: Scheduled function executes credit API queries and writes results to database.
3.19. Google Cloud Functions
• Feature/Setting: On-demand process initiates score refresh for specified customers.
3.20. Azure Logic Apps
• Feature/Setting: Visual flow for integrating credit check APIs with ERP/CRM periodic triggers.
Benefits
4.2. Streamlined finance operations with minimal manual intervention.
4.3. Enhanced regulatory compliance and audit readiness.
4.4. Real-time visibility on customer portfolio risk across sales and finance teams.
4.5. Scalable and consistent risk decisioning for every transaction.