+8,4%
Total Receivables
1,84 M TND
Collections & Credit Management
Turn your receivables into cash.
Structure your collection process, automate reminders, manage payment plans and disputes, and maintain clear visibility of every receivable until settlement.
Enterprise Solution • Integrates with Existing Systems • Secure • Scalable
Collection Dashboard
Consolidated View • August 2026
−12,6%
Overdue Receivables
428 k TND
+5,1%
Collection Rate
86,4%
Aging Analysis
TND0–3058%
31–6024%
61–9012%
+906%
Actions Required
Reminder email sent
Buyer response received
Partial payment recorded
Receivable FAC-2026-0184 settled
Collection Journey
From first overdue to settlement, every step is controlled.
The solution covers the entire collection cycle, from receivable import to bank reconciliation.
01
Import
Import invoices and buyers from existing systems.
02
Analysis
Identify overdue receivables, aging and prioritization.
03
Reminders
Automated sending of reminders by email and SMS.
04
Communication
Track buyer responses and interactions.
05
Payment Plan
Propose and track payment agreements.
06
Dispute
Manage and resolve disputes.
07
Payment
Record and track payments.
08
Closure
Bank reconciliation and case closure.
Centralized Management
All your receivables in a single view.
Centralize buyer, invoice and receivable information to provide your teams with a complete and reliable overview.
Buyer Import
Synchronize with existing systems to retrieve buyers with outstanding receivables.
Invoice Import
Automatic import of unpaid invoices from billing systems or business applications.
Due Date Tracking
Clear visualization of invoices approaching due date and overdue invoices.
Receivable Status
Track each receivable by status: unpaid, partially paid, under dispute, under payment plan, or settled.
Aging Analysis
Distribution of receivables by age: not due, 1-30 days, 31-60 days, 61-90 days, and 90+ days.
Centralized Management
Invoices covered by an active payment plan do not continue through the standard automated reminder workflow.
Aging
Not due1-30 days31-60 days61-90 days90+ days
UnpaidPartially paidUnder disputeUnder payment planSettled
Applied artificial intelligence
Move to intelligent collections
01
Predictive payment scoring
AI evaluates the likelihood of payment for each receivable, helping teams focus on the most promising or most urgent cases.
02
AI-personalized reminders
Generate messages tailored to the debtor profile, case history, amount due and level of urgency.
03
AI assistant for collection managers
Automatically summarize cases, analyze conversations and provide quick access to essential information to save time.
04
Next-best-action recommendations
AI suggests the best channel, timing and type of reminder to maximize the likelihood of payment.
05
Intelligent cash collection forecasting
Analyze historical data and payment behavior to estimate the amounts likely to be recovered over the coming weeks or months.
Reminder Automation
The right reminder, at the right time, on the right channel.
Configure collection scenarios adapted to your business rules, buyer segments and communication channels.
- 01D+7
Courtesy email
- 02D+15
Second reminder
- 03D+30
Email + SMS
- 04Escalation
Manager intervention
- 05Pre-litigation
Formal notice
Key Features
Automated emailsSMS remindersConfigurable timingCustomizable templatesBuyer segmentationCollection statusReminder historyResponses and manual actionsAutomatic escalation
Complete Traceability
Every action is recorded, every case is traceable.
The complete history of collection interactions and actions remains available for every receivable and every buyer.
12/08Reminder email sent
18/08Buyer response received
19/08Dispute declared
21/08Dispute processed
22/08Payment plan proposed
23/08Payment plan validated
30/08First installment settled
Payment Plan Management
Turn a payment promise into a tracked installment plan.
Create, validate and track flexible payment plans adapted to each buyer's situation.
Number of Months
Define the number of months and the system automatically calculates installments.
12,000 TND over 4 months = 3,000 TND × 4
Fixed Installment Amount
Define the desired installment amount and the system determines the number of installments.
12,000 TND at 2,500 TND/month = 6 installments
Automatic installment calculationRounding and cent managementPartial payment trackingMissed payment alertsBuyer validation and confirmationPre-due-date notifications
Notification Lifecycle
The buyer is informed at every stage of the plan.
Plan validated
Confirmation sent
Before due date
Automatic reminder
Due date
Payment monitoring
Payment missing
Alert triggered
Payment received
Plan updated
Plan completed
Closure
Dispute Management
Separate genuine delays from disputes that need resolution.
Identify, document and resolve disputes while maintaining a complete history of associated collection actions.
OpenIn progressAwaiting buyerResolved
Collection actions automatically adapt when an invoice is under dispute.
Dispute reason
Facture FAC-2026-0218
Buyer
Société XYZ
Amount
15 200 TND
Responsible manager
Ahmed B.
Creation date
19/08/2026
Comments
Litige lié à une divergence sur les quantités livrées. En attente de la confirmation du fournisseur.
Complete View
One buyer, the full story.
Visualize the entire relationship with a buyer from a single screen: identity, financial situation, history and risk level.
Identity
Société ABC
Company name
Contact
Contact information
Risk Level
Low riskMedium riskHigh risk
Financial Situation
Outstanding amount47 820 TND
Overdue amount23 500 TND
Average delay34 jours
Oldest unpaid invoice12/06/2026
History
Invoices
Payments
Reminders
Disputes
Payment plans
Decision Support
Prioritize your collection actions.
The solution identifies buyers requiring priority attention based on objective criteria from payment history.
01
Repeated late payments
02
Significant overdue amounts
03
Broken payment commitments
04
Missed payment plan installments
05
Frequent disputes
06
Increasing payment delays
Risk analysis is based on business rules and payment history, not autonomous decisions.
Pre-Litigation
From amicable collection to formal notice.
Amicable Reminders
Email and SMS reminders
Final Reminder
Formal warning
Formal Notice
Formal notification
Pre-litigation Tracking
Monitoring and escalation
Final formal reminderFormal noticeAction historyDocument generationStatus trackingTransition to litigation
Analytics
Drive your collections with data.
Track key performance indicators of your collection process from a dedicated dashboard.
Total Receivables
248,500 TND
Overdue Receivables
124,300 TND
Recovered Amount
87,200 TND
Collection Rate
70.2%
Active Payment Plans
18 cases
Open Disputes
7 cases
Configurable Reporting
Reports adapted to each need.
Generate detailed reports according to your criteria and export results in the appropriate format.
ExcelPDF
Unpaid Invoices
Detailed overview of invoices awaiting payment.
Payment Plans
Current payment plans and their execution.
Disputes
Open and resolved disputes with their history.
Collections
Amounts collected over a selected period.
Aging
Distribution of receivables by age of delay.
Integrations
Connected to your information system.
The solution integrates with existing systems to ensure reliable data flow between billing, banking and communication tools.
Billing / ERP
Import buyers, invoices, due dates and payments from existing systems.
Banking Systems
Retrieve and synchronize payment information when supported.
Bank Reconciliation
Identify payments associated with receivables to accelerate closure.
Send collection communications to buyers.
SMS
Payment reminders via SMS.
Business Applications
Integration through the architecture supported by the solution.
Security & Access Control
Protected financial data.
Role-based Access
Collection manager, administrator, financial direction: each role sees only what is relevant to them.
Access Control
Administrator access, manager access and strict control of financial information.
Traceability
Complete history of actions, modifications and interventions on every case.
Secure Integrations
Secure connection to billing, banking and communication systems.
Regulatory compliance is considered during design. Specific certifications are presented only when confirmed by the project.
Business Flexibility
A collection process tailored to your organization.
Configure the steps and reminder rules according to your business needs, buyer segments and communication channels.
Due DateGentle ReminderReinforced ReminderManager CallPayment Plan ProposalFinal ReminderPre-litigation
Buyer Portal (Optional)
A dedicated space for your buyers.
Offer your buyers a portal to view their invoices, payment plans and payment history.
Invoice consultationBalance inquiryPayment plan viewPayment historyInformation exchangeDocument consultation
Before
Excel spreadsheets
Manual calls
Forgotten reminders
Scattered information
Low visibility
Hard-to-track commitments
Disputes mixed with overdue
Manual reporting
With the Solution
Centralized receivables
Structured reminders
Tracked payment plans
Complete history
Case prioritization
Identified disputes
Alerts
Dashboards
Take Action
Structure your collections. Accelerate your cash flow.
Discover how the solution can integrate with your existing environment and structure your entire collection process.
Total Receivables
248,500 TND
Overdue Receivables
124,300 TND
Recovered Amount
87,200 TND
Collection Rate
70.2%