> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincelo.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Collections, AR Aging & Dunning

> Payment intelligence, dunning sequences, and collections automation.

### COLLECTIONS — Q\&A

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**Q: How does the payment intelligence score work?**

Score 0–100 calculated per customer from 5 factors:
payment history (on-time %), average days overdue, broken promise-to-pay count,
payment trend (rolling 3-invoice window), dispute frequency.

5 tiers:

* Platinum (80–100): auto-assign Standard dunning, AM-led collections
* Good (60–79): Standard dunning, account manager involved
* Average (40–59): Enterprise dunning, CS escalation
* Poor (20–39): Aggressive dunning, manager escalation
* Bad (0–19): Aggressive dunning, legal track, CFO alert

Score degrades automatically if recent payments worsen. AM is alerted
when a customer's tier drops.

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**Q: What are the 10 dunning action types?**

1. Email (standard reminder)
2. WhatsApp message
3. SMS
4. In-app notification
5. Account manager call task
6. Account suspension (configurable)
7. Feature restriction
8. Promise to pay recording
9. Escalation to management
10. Legal notice / collections referral

Each step in a dunning sequence can combine multiple action types.
Enterprise customers can have customer-level dunning overrides.

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**Q: What are the 3 dunning templates?**

Standard: gentle reminders, AM-led, no suspension. For Platinum/Good scores.
Enterprise: structured escalation, CS involvement, soft suspension option. For Average.
Aggressive: immediate escalation, hard suspension, legal track. For Poor/Bad.

Templates are auto-assigned based on payment score. Finance can override per customer.

***