Manage receivables based on what your agreement allows.
collect.ac connects overdue invoices to the payment terms behind them, so reminders, fees, payment plans, and escalation stay inside the guardrails each customer accepted.
Automated review, not legal advice. Keep your lawyer in the loop for final wording.
Invoice INV-1042
$4,200
21 days overdue - contract matched
Next action
Send day 21 notice with payment link and approved fee wording.
What changes
Receivables with the contract in view
Your receivables workflow should not rely on a generic template when every customer agreed to different terms.
Payment terms
Know whether an invoice is net 7, net 14, due on receipt, or tied to a milestone before a workflow starts.
Fees and interest
Only mention late fees, interest, or collection costs when your agreement gives you the right to do it.
Notice rules
Match the required channel, timing, and tone before a reminder becomes a formal notice.
Dispute process
Pause the workflow when the contract says a dispute needs review before escalation.
Payment plans
Offer instalments without drifting outside the terms your customer already accepted.
Escalation limits
Send cleaner cases to a partner agency with the contract context attached.
How it works
A calmer path from overdue to resolved
1. Read the terms
Upload terms of trade or attach customer agreements so collect.ac can spot the payment protections that matter.
2. Apply the rules
Each overdue invoice follows the right schedule, fees, notices, pauses, and escalation path.
3. Keep the evidence
Every message, payment link, pause, and handoff keeps a clear trail for the finance team.
Examples
Every action uses the agreement as a guardrail
Contract-aware receivables are not about harsher chasing. They make routine decisions more specific, especially when fees, payment plans, or escalation could change the customer relationship.
Reminders
A net 14 customer gets a firmer day 21 notice only after the agreed reminder window has passed.
Fees
Late-fee and interest wording is included only when the contract names the right, rate, and trigger date.
Payment plans
Instalments stay inside approved limits, with a pause or review step when the agreement is silent.
Escalation
Partner-agency handoff waits for required notices and includes the contract signals behind the decision.
Why it matters
Firm receivables work without overstepping.
Contract-aware receivables help your team move faster while keeping the message fair, specific, and backed by the agreement on file.
Fewer generic reminders that ignore agreed payment terms.
Less manual checking before adding fees or interest language.
Cleaner escalation packs when a partner agency needs to step in.
A clearer audit trail when a customer asks why they received a notice.
Start with your terms
See which payment protections your contract already has.
Run the free contract check first. Then use collect.ac to turn those terms into consistent, careful receivables workflows.