Client: Compliance Company
Collections for 26,660+ monthly invoices required weeks of reconciliation, manual SEPA files for Santander and BBVA, and returns without alerts.
We built a custom SEPA Direct Debit module in Zoho Books that generates multi-bank SEPA XML, automatic invoice/payment matching with fuzzy logic, proactive return management and a cash-flow dashboard with forecasts.
Anatomy of the solution
From input to outcome: explore the four parts of the journey.
Amounts and references managed in Zoho Books.
Explanatory diagram based on the described solution. It simplifies the journey; it is not a deployed infrastructure diagram or a live monitor.
Reading the project
Management does not end when a file is sent to the bank. Payments must be linked to invoices, returns detected and outstanding items understood. This case connects batch generation, reconciliation and cash forecasting to avoid separate manual reconstruction at each stage.
Matching logic addresses differences between payment and invoice records. Invoice- and batch-level tracking locates incidents, while the cash-flow dashboard provides an aggregate view. Generation, reconciliation and returns are distinct stages worth observing separately.
Current relevance and possible evolution
This provides a foundation for Superagents that monitor collections and prepare incident handling. Any extension involving funds movement or mandate changes should have explicit controls; no such layer is presumed deployed.
This connects the case experience to our current services. Proposed extensions are not presented as features already delivered.
Method and scope
Measure time to reconciliation, correct matches, resolved returns and manually reviewed cases. Separate suggested matches from confirmed collection.
Automating collections does not eliminate defaults or guarantee liquidity; the published figures need period and volume context for comparison.
Basis of this analysis: the description, capabilities and stack published in this case. No new measurements are added and no independent audit of its results is implied.
Compliance Company
Compliance Company
Compliance Company
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