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Nobody should have to notice an invoice is late.

Every overdue balance enters a sequence the morning it ages. Declines retry on their own schedule. A person is pulled in only when the account needs a decision, and arrives already briefed.

Chasing starts on day one

An invoice enters its sequence the morning after it is due. Nothing waits to be found.

Day 1first reminder leaves, unprompted

Most of the money comes back untouched

Reminders and retries clear most overdue balances before anyone is assigned.

82%of overdue recovered hands-free

Each rung is harder than the last

A day-one reminder and a day-21 escalation are not the same message sent twice.

29 daysDSO, down from fifty-eight

Dunning sequences

Four rungs, climbed without you

Day 1, day 7, day 21, day 45. Written once, then applied to the whole book.

  • Sequences differ by segment, terms and balance size
  • A payment anywhere in the ladder stops it immediately
  • Disputed invoices leave the ladder rather than keep climbing

Where one overdue balance sits today:

Invoice
INV-7288
Customer
Account 2904
Amount
$18,900.00
Due
May 31
Rung
Day 21 · escalated to the AP contact

Three rungs climbed. The fourth is where the automation stops and a person takes over.

What the ladder did with $203,500 past due

  • Cleared automatically
  • A named owner takes the case
  • Still open
Entered the ladder
$203,500Day 1 · reminder
−$89,500Day 7 · second notice
−$48,800Day 21 · AP contact
−$28,500Day 45 · named owner
−$16,300Still open
$20,400

Everything left of the rule clears without a person: 82% of the book.

Smart retries

A declined card is not a dead end

Retries back off on a rising interval, and the decline reason picks the plan.

  • Retry timing set by decline reason, not by a fixed rule
  • Card-update email fires alongside the retry, not after it fails
  • Attempts capped, so a failing card stops costing you fees

The plan Verlix wrote for that decline:

Method
Visa ••7761 · exp 08/26
Decline
do_not_honor
Attempts
2
Next retry
Jul 09, 06:00
Strategy
Smart retry + card-update email

How far apart the four attempts sit

  • Already attempted
  • Still scheduled
6h24h72h1st2nd3rd4th, then it stops

Each wait is longer than the one before it, so a bank that is rate-limiting you sees fewer attempts, not more.

Handoff with context

You get the cases worth your time

The account arrives with its history attached. You decide instead of reconstruct.

  • Every message, retry and reply on one timeline
  • Owner assigned with the balance, the terms and the relationship
  • Promises to pay tracked, and chased again if they slip

What the ladder handed back in June:

Collected
$1,148,000
Share of billed
93.1%
Past due
$203,500 · 33.2% of the book
Escalated to a person
8% · $16,300

Of the $203,500 past due, what reached a person

  • Cleared without a person$187,200 · 92%
  • A named owner took it$16,300 · 8%

The 8% is the work. It arrives with every message, retry and reply already attached.

Get paid without asking anyone to ask.

Free up to $1M ARR. Connect the ledger and the first sequence runs the same day.