Credit control and overdue payment alerts

Purpose

1.1 Automate credit control by continuously monitoring outstanding customer balances against credit terms and automate overdue payment alerts to minimize bad debts.
1.2 Automate escalation for critical overdue invoices while keeping stakeholders in loop automatically.
1.3 Enable automatable reminders at scheduled intervals to finance teams and directly to customers, automating manual debt chasing and reducing process friction.
1.4 Integration with accounting and ERP data to automate detection of due and overdue status for every transaction.
1.5 Automate logging and documentation of every notification or alert sent for audit purposes.

Trigger Conditions

2.1 Automatedly triggers when an invoice due date is reached with no payment matched in system.
2.2 Triggers on exceeding customer-specific credit thresholds, automating immediate notification dispatch.
2.3 Automate daily/weekly checks of all open receivables for overdue status.
2.4 Automates escalation when overdue duration crosses preset thresholds (e.g. 14, 30, 60 days).

Platform Variants

3.1 Salesforce
• Function: Automate process with Workflow Rules and Flow Builder for overdue payment alert tasks and notifications.
• Sample: Configure Flow to send automated reminder when Invoice__c.Due_Date < TODAY().
3.2 QuickBooks Online
• Function: Use Payments API to monitor outstanding balances; automate reminders via Workflow Automations.
• Sample: Set workflow to send email when invoices are overdue by X days.
3.3 Microsoft Dynamics 365
• Feature: Automate Collections process using Customer Credit and Collections module.
• Sample: Set Collection tasks for overdue invoices with automated email.
3.4 SAP ERP
• Function: Integrate with FIORI or SAP BTP Workflows to automate reminder emails for aging accounts.
• Sample: Trigger reminder for overdue items via S/4HANA F110.
3.5 Xero
• Function: Automate invoice reminders in “Invoice Reminders” feature.
• Sample: Enable automatic emails at 7, 14, and 21 days overdue.
3.6 Stripe
• API: Use Invoices API webhooks to automate detection and alert for unpaid or overdue invoices.
• Sample: Setup webhook on ‘invoice.payment_failed’ event.
3.7 Zoho Books
• Function: Automate reminders using Automation Rules in ‘Reminders’ settings.
• Sample: Set reminder to be sent X days after due date.
3.8 FreshBooks
• Feature: Automated late payment reminders in “Reminders”.
• Sample: Configure late payment reminder at 5 and 10 days overdue.
3.9 Twilio SMS
• API: Automate overdue alert SMS messages using programmable SMS endpoint.
• Sample: Trigger SMS with overdue invoice details to customer mobile.
3.10 Outlook/Office 365
• API: Automate scheduled emails via Power Automate flows for overdue notifications.
• Sample: Scheduled recurring flow for overdue invoice list email to finance team.
3.11 Slack
• API: Automated overdue alerts to finance channel using incoming Webhook or Slackbot.
• Sample: Push overdue customer summary to Slack channel every morning.
3.12 SendGrid
• API: Automate overdue payment alert emails using transactional templates.
• Sample: Send payment reminder via SendGrid API using custom JSON payload.
3.13 Google Sheets
• API: Automate data pull of overdue invoices; schedule script to highlight or notify Slack/email.
• Sample: Google Apps Script triggers on overdue changes.
3.14 HubSpot
• Function: Automator sequences to send email reminders and task follow-up based on deal/invoice status.
• Sample: Workflow automation for overdue payments pipeline.
3.15 Pipedrive
• API: Automate pipeline activity alerts when payment is overdue.
• Sample: Zap triggers automation on deal overdue custom field.
3.16 Monday.com
• Automation: Automated reminders & item notifications when linked receivable status is overdue.
• Sample: Automation recipe: "When status changes to overdue, notify assigned user."
3.17 Odoo
• Feature: Automated follow-up levels for overdue receivables; assign escalations automatically.
• Sample: Configure automatic action ‘Overdue Invoice Email’.
3.18 Mailgun
• API: Automate time-triggered payment alert emails with dynamic templates.
• Sample: Automator to send overdue notice with variable data.
3.19 Intercom
• Feature: Automate in-app and email reminders for overdue payments via auto-messages.
• Sample: Send automated overdue notifications to user segment.
3.20 Zendesk
• API: Automate ticket creation and assignment when invoice status becomes overdue.
• Sample: Automation rule: "When ticket type is Overdue Invoice, assign to finance team".
3.21 DocuSign
• API: Automate sending of payment demand letters for overdue invoices via templates.
• Sample: Trigger on overdue event; send DocuSign envelope.

Benefits

4.1 Automates repetitive manual cold follow-ups, freeing up finance resources.
4.2 Enables automator-driven prioritization and escalation of high-risk accounts before default.
4.3 Automatedly reduces debtor days and improves company’s working capital cycle.
4.4 Prevents human error by programmatically monitoring all transactions.
4.5 Provides automated compliance/audit logs for all reminder and collection activities.
4.6 Enables tailored automation across SMS, email, in-app, and workflow notifications.
4.7 Scalable and flexible automation can support growth and escalation complexity.
4.8 Improves customer experience by automated, consistent communication cadence.