Failed payment alerts and dunning process for overdue accounts

Purpose

1.1 Automate the detection of failed payment transactions for sailing instruction services.
1.2 Initiate an automated dunning process to notify students/parents about overdue accounts.
1.3 Automator triggers multi-channel alerts and reminders (email, SMS, calls) until resolution.
1.4 Automate invoicing, penalty notification, and escalation for unsettled payments.
1.5 Ensure compliance and minimize manual intervention by utilizing end-to-end automation for payment collection workflows.

Trigger Conditions

2.1 Payment fails in merchant gateway or student account remains overdue past due date.
2.2 Webhook receives failed payment or overdue status from accounting/CRM.
2.3 Periodic scheduler (e.g., daily scan) for pending/overdue invoices.
2.4 Account flagged for dunning after grace period is automatedly crossed.

Platform Variants

3.1 Stripe
• Feature/Setting: Configure Stripe Webhooks for `invoice.payment_failed`; automate event trigger.
3.2 PayPal
• Feature/Setting: Enable IPN (Instant Payment Notification); automate on failure status "Failed" or "Denied".
3.3 QuickBooks Online
• Feature/Setting: Use "Payment receipt" and "Invoice overdue" API hooks to automate overdue detection.
3.4 Xero
• Feature/Setting: Automate "Invoices" GET endpoint for overdue status, trigger follow-up flow.
3.5 Zoho Books
• Feature/Setting: Automate "Invoices" and "Payments" API for overdue/failed payment triggers.
3.6 Square
• Feature/Setting: Enable webhook for "payment.updated" when status is "FAILED".
3.7 Braintree
• Feature/Setting: Configure webhook for "disbursement_exception" or "transaction_settled_unsuccessfully" events.
3.8 Revolut Business
• Feature/Setting: Automate Payments API webhook for failed payment events.
3.9 Wave
• Feature/Setting: Automate overdue invoice detection using GET `/invoices` API.
3.10 Chargebee
• Feature/Setting: Enable "Payment Failed" event and automate retry/reminder workflow.
3.11 FreshBooks
• Feature/Setting: Configure automator to listen for "Invoice Overdue" webhook notifications.
3.12 Microsoft Dynamics 365 (Finance)
• Feature/Setting: Use "Overdue Invoices" automation rules for dunning and notifications.
3.13 NetSuite
• Feature/Setting: Automate via SuiteScript or REST for overdue invoice event detection.
3.14 Twilio SMS
• Feature/Setting: Automate sending SMS via Programmable Messaging API for payment reminders.
3.15 Mailgun
• Feature/Setting: Automate transactional email alerts for overdue payments using API.
3.16 SendGrid
• Feature/Setting: Trigger dunning email automations via SendGrid Mail Send API.
3.17 Slack
• Feature/Setting: Automate overdue alert posts to finance/admin channels using Incoming Webhook API.
3.18 HubSpot CRM
• Feature/Setting: Automate contact property update and workflow trigger for overdue accounts.
3.19 Salesforce
• Feature/Setting: Automate process builder/flow to dunning process on failed payment detected.
3.20 Google Sheets
• Feature/Setting: Automate log entry of failed/overdue payments via Sheets API as audit trail.
3.21 Airtable
• Feature/Setting: Automate overdue row tagging and reminder record creation.
3.22 Monday.com
• Feature/Setting: Automate task creation for finance team when overdue payment is flagged.
3.23 Zendesk
• Feature/Setting: Automate ticket creation for support follow-up on overdue accounts.

Benefits

4.1 Automating failed payment and dunning ensures no overdue invoice is missed, maximizing cash flow.
4.2 Automatedly reduces manual workload, freeing staff for higher-value tasks.
4.3 Automates multi-channel communication for higher recovery rates.
4.4 Automator enables trackable, consistent messaging, strengthening customer communication.
4.5 Compliance is preserved through documented automated escalation and reminders.
4.6 Automatable integration with various platforms gives scaling capability for growing business operations.