Collections Management: #4 Before, During & After Payment Processing

Collections Management: #4 Before, During & After Payment Processing

"Mark, I think the payment link isn't working. Can you send it again?" Staring at a message, Mark got on his phone. This was the third time the same customer had asked him that week.


A few minutes later, another message came, "Hey, the invoice total seems different this month. Can you check?" Before he could respond, a new email appeared: "Our payment failed. Should we try again or wait?"

Mark leaned back in his chair and laughed, certainly not from humour but with exhaustion. Payments were supposed to be simple. Why so many questions, interruptions, and follow-ups? "Isn't payment just, send invoice ---> customer pays ---> done?" he murmured.

But as his business grew, he realised something important. Getting paid is not a simple action; it's a journey that starts even before the customer begins paying for the service. Yes, it starts long before the customer clicks "Pay Now" and it continues long after the money arrives.

It is crucial to analyse where your business needs control and where it needs to be automated. Having a system with that kind of flexibility will definitely help as you scale.

Zoho Billing brings that kind of comfort to business. It doesn't just help in collecting payments; it also allows companies to manage everything before, during, and after the transaction is created.

Before Payment Process 

Preparing Customers for a Smooth Onboarding 

The payment experience begins with the invoice itself. Zoho Billing generates invoices that promptly reflect usage charges, proration, add-ons, discounts, taxes, and more. The accuracy and clarity eliminate billing disputes and prevent the confusion that delays payments, such as "why is this amount different?"


Predictable Billing 

Whether the business uses milestone billing, recurring cycles, a prepaid model or usage-based pricing, Zoho Billing aligns every billing event seamlessly. Even mid-cycle plan changes are recalculated automatically, keeping charges consistent and predictable. 


No/Less Extra Effort for Collection 

Invoices come with embedded payment options, hosted payment pages, and a customer portal, providing customers with immediate access to make payments. They don't need to search for payment instructions.


Proactive Communication 

Zoho Billing handles all reminders leading up to the due date. From invoice notifications to upcoming due alerts and expiring card notices, customers stay informed and prepared, significantly reducing the risk of overdue payments. You can even configure reminders on trial subscription where it will prompt the customer before trial is about to expire.



Idea
Reports based on upcoming payments  (Top 3) 
  1. AR Ageing Summary: Displays outstanding receivables categorised by the number of days. This helps identify which customers or invoices are approaching overdue status, allowing payment follow-up to begin even before the due date.

  2. Upcoming Renewals: Helps businesses forecast upcoming subscription renewals, ensuring they know who will be charged soon. This works perfectly for pre-payment communication and customer readiness.

  3. Card Expiry: Payment failures mostly happen due to issues with the card or an expired card. This report helps you with the list of customer cards with expiring payment methods. This is crucial in preventing future failed transactions and ensuring smoother upcoming payments.

During Payment Process 

Multiple Payment Methods 

Zoho Billing integrates with multiple payment methods/gateways, including Stripe, Razorpay, PayPal, PayTabs, and GoCardless. This gives customers the freedom to pay using cards, UPI, ACH, direct debit or whichever works best for them. The best part is that businesses can now configure a backup payment method in addition to the primary payment method in use. This helps increase the likelihood of receiving payment successfully and without requiring manual or retry attempts.


Effortless Auto-pay 

Once a customer approves a payment mandate, Zoho Billing automatically handles renewals. Payments are charged on schedule without customer intervention, ensuring predictable cash flow.


Intelligent Failure Handling 

If a payment fails, Zoho Billing instantly captures the failure reason, notifies the customer, and triggers the configured dunning process. Customer can update their payment method directly from the notification. Retries occur automatically based on predefined rules, converting failures into recoveries.


Instant Updates 

Successful payments update invoices, issue receipts, trigger provisioning workflows in real time, making everything in sync without any manual effort or follow-up needed.



Idea
Reports based on Processing Payment  (Top 3)
  1. Payment Received: Displays all recent payments collected, facilitating monitoring of the inflow as payments are processed.

  2. Payment Failures: Essential during the payment phase to identify failed attempts in real-time, enabling quicker resolution or automated dunning actions.

  3. Under Risk:  Displays invoices currently in dunning and at risk of churn. This acts as a key report for understanding which customers are in the middle of the recovery process.


After Payment Process 

Consistent Post Payment Communication 

Zoho Billing automates thank-you messages, renewal confirmations, usage summaries, and future billing reminders. These touchpoints maintain transparency and build customer trust.


Handling Adjustments 

Whether a customer needs a partial refund, a correction or a credit note, Zoho Billing applies all changes while maintaining accurate records across billing and accounting modules.


Visibility on Unpaid Invoices 

Zoho Billing highlights accounts that need attention, allowing businesses to intervene before revenue loss occurs. Invoices that remain unpaid enter an automated dunning flow and appear as overdue, clearly indicating the outstanding receivables.



Idea
Reposts based on processed payment  (Top 3)
  1. Recognised Revenue: Shows the actual revenue recognised from payments over time. This is a crucial report that provides financial accuracy after payments are complete.

  2. Refund History: Tracks refunds issued to customers. Essential for understanding post-payment adjustments and their impact on customer satisfaction.

  3. Renewal Summary: Shows which subscriptions have been successfully renewed after payment. Critical for recurring revenue tracking and retention analysis.

Zoho Billing Ensuring Seamless Payment Journey 

Zoho Billing brings structure to the entire payment workflow by guiding customers even before a payment attempt is made. It delivers clear invoices, predictable billing cycles and timely reminders that reduce confusion and delays. During the payment process, Zoho Billing eliminates friction with various payment options and provides intelligent handling of failed payment attempts, ensuring the process remains smooth and dependable.


After payment, it maintains accuracy through automated receipts and proper insights on the payments collected. With Zoho billin,g payment collection becomes predictable, automated and friendly with all possibilities to scale in the future.


Notes
Up Next: Self-checkout: Next level convenience

 

 

 

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