Collections Management: # 1 Payment Collection is All About Convenience
"Sir, can you come tomorrow? My manager wasn't available for the cheque sign-off", the customer said, avoiding eye contact.
Ravi forced a polite smile, but inside, he felt a sense of defeat. He had already visited the customer's office twice in the last three days. His scooter had become his constant companion, and his diary was filled with handwritten follow-up notes, partial payments and crossed-out reminders.
Ravi forced a polite smile, but inside, he felt a sense of defeat. He had already visited the customer's office twice in the last three days. His scooter had become his constant companion, and his diary was filled with handwritten follow-up notes, partial payments and crossed-out reminders.
It was mid-2005. There were no applications for collecting payment, and no digital follow-up process was available. Collecting payment means physically showing up at the customer's doorstep and waiting until someone hands over a cheque or cash.
The next morning, Ravi drives again.
"Good morning! I just came to check if the cheque...."
"Yes, yes... just wait for a few minutes", the person replied without looking up.
Those few minutes stretched into an hour, and when the cheque finally appeared, it was post-dated. Ravi didn't complain. He tucked the cheque into his diary, hoping it wouldn't bounce and he would remember to follow up on the deposit date. Payment collection was literally a chase back then, and most of you were like Ravi, who was always running behind the defaulters.
Losing Track of Payments
Weeks later, Ravi's manager asks, "Did we get the payment from Mr Kumar?
Ravi opens his diary and scans through pages filled with scribbles. "I think so.. or maybe that was Mr Krishnan. I'll have to check."
Ravi opens his diary and scans through pages filled with scribbles. "I think so.. or maybe that was Mr Krishnan. I'll have to check."
The real problem wasn't collecting the money alone; it was tracking them properly. When everything was manual, the risk wasn't non-payment, it was losing track of who paid, how much they paid and what was remaining. Missing follow-ups will obviously lead to delayed payments, and delayed payments will result in disruptions to cash flow. Most businesses don't fail because customers don't buy; they fail because they don't collect what they've earned, or they collect it too late.
Collection is All About Convenience
Fast forward to today. Nobody wants to sign cheques or wait for someone to pick them up. Customer expects flexibility and speed. Instead of "When can you collect the payment?" the conversation turned into,
"Do you accept UPI?"
"Can I pay using a card?"
"Just send me the payment link."
Modern customers don't want a process; they want a seamless experience. They want convenience. The easier it is for them to pay, the faster you get paid.
For businesses today, collecting payment efficiently requires more than just asking customers to pay. It requests a system that gives complete visibility into,
For businesses today, collecting payment efficiently requires more than just asking customers to pay. It requests a system that gives complete visibility into,
Which payments are collected?
Which ones are still pending?
Which customers need follow-ups?
At the same time, it must allow customers to pay however they prefer, whether in an offline or online mode of payment.
When Convenience Meets Control
Zoho Billing streamlines payment collection by consolidating everything in one place.
Businesses can record payments offline, such as when a customer pays via cash, cheque, or direct bank transfer, without losing track of them. Every payment can be documented with notes or reference details so that nothing slips through the cracks.
Businesses can record payments offline, such as when a customer pays via cash, cheque, or direct bank transfer, without losing track of them. Every payment can be documented with notes or reference details so that nothing slips through the cracks.
In the case of online payment, Zoho Billing moves payment collection from manual to effortless. The varied payment gateway integration that Zoho Billing processes facilitates easy payment collection. You send an invoice, and your customer chooses how to pay. They select a payment mode, such as UPI, Credit/Debit Cards, Net Banking, ACH, and so on, and complete the payment. The invoice acts as more than just a document directing customers to payment processing. No more chasing or follow-up required.
Detailed reporting on Payment collections helps businesses to understand their real business health. It displays invoices that are paid, along with the mode of payment, and unpaid, along with the due/overdue days. Ageing Reports in Zoho Billing provide greater visibility into the payment patterns of individual customers.
Level up with Payment Links
One of the most convenient features is the ability to send payment links. Payment links allow you to collect money without generating an invoice first. You send a link via WhatsApp, SMS, or email, and the customer pays instantly using their preferred payment method.
Consider a customer saying, "I'll confirm the booking, but I can't pay now".
Consider a customer saying, "I'll confirm the booking, but I can't pay now".
You can confidently say, "No problem, I'll send you a payment link. You can pay whenever you're ready within the next 7 days."
A few seconds later, the payment link is sent, and once the customer pays, Zoho Billing automatically updates the record.
Automated Reminders to Follow-up
Zoho Billing streamlines payments and ensures they are made on time. Payment reminders are sent automatically, removing the stress of manual follow-up. You can set multiple reminders based on the due date of an invoice that is sent before, on, or after the due date. By automating this, you no longer chase the customer but cross-check the reports.
Zoho Billing combines the most essential functions, including payment tracking, multiple payment options, secure payment link creation and sending, and automated reminders for overdue payments, among others.
Zoho Billing combines the most essential functions, including payment tracking, multiple payment options, secure payment link creation and sending, and automated reminders for overdue payments, among others.
When payment collection becomes convenient, the business gets paid faster and gains more confidence in its cash flow.
When payment collection becomes convenient, the business gets paid faster and gains more confidence in its cash flow.
Next: Automate Late Payment Charges
Topic Participants
Hari | Zoho Billing
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Community Learning Series | Digest #5 — September 2020
Dear customers, We're happy to bring you the September edition of our #CommunityDigest! Keep track of your subscription KPIs right from your smartphone: Last month, we enhanced our Android mobile app to help our customers get daily updates on their business health. We got to know from a lot of customers that this has made their job much more easier because they no longer have to keep a reminder to manually check on the previous day's revenue or activations. If you have not downloaded it yet, here'sCommunity Learning Series | Digest #4 - August 2020
Dear customers, We hope you're staying safe and healthy. I'm happy to bring you the fourth edition of our #CommunityDigest with some brand-new updates from us. 1. Daily Business Updates (for Android users) The Zoho Subscriptions Android app has got a cool new update: You can now get a push notification to your smartphone that lets you know how many activations and cancellations have taken place, and what's the net revenue for the previous day. The best part is, you can tell the app when exactly youCommunity Learning Series | Digest #3 - July 2020
Dear customers, We hope you're staying safe and healthy. We're glad to bring you the July edition of our #CommunityDigest. New community members can view our previous newsletters here. This time, we have two major updates and three interesting topics for you: 1. Zoho Subscriptions Developer Community Since the inception of Zoho Subscriptions, our team believed that the recurring billing platform we provide should be able to offer an extensive API library that empowers businesses to automate mostIntroducing: Community Learning Series | Digest #1 - May 2020
Dear customers, We hope you are staying safe and healthy. Helping businesses manage their customer subscriptions more efficiently has always been, and always will be, our goal at Zoho Subscriptions. We strongly believe this is possible if we grow together as a community and share what we know with each other. To nurture this shared learning experience, here is our brand-new Community Learning Series! Welcome to the first edition of our digest! Each edition of our community digest includes guides
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