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INV-1042

Pixelwharf Studio

$18,400 outstanding, 82 days past due.

Arrearly

Account statement

By Wiqi Lee

Statement for

INV-1042

Generated Aug 26, 2026

Billed to

Pixelwharf Studio

Tobias Lund

tobias@example.com

Summary

INV-1042 for Pixelwharf Studio is 82 days past due with $18,400 outstanding and a risk score of 91. The risk of non-payment is high, so the agent is working it actively. Pixelwharf Studio usually pays 38 days late and has a reliability score of 41. So far the agent has made 4 decisions and sent 4 messages. If recovered, the fee would be $1,472.

Invoice detail

Invoice numberINV-1042
Statusescalated
Invoiced$18,400
Paid so far$0
Balance$18,400
IssuedMay 6, 2026
DueJun 5, 2026
Age82 days past due
Risk score91 / 100
Commission rate8%
Fee if recovered$1,472

Customer

Reliability score41 / 100
Usually pays38 days late
Customer for5 months
Messages exchanged4 sent, 1 received

Decision history (4)

DateActionOutcomeConf.Risk
Aug 12, 2026Hand offSent, no human9391
Jul 17, 2026Final noticeSent, no human8184
Jun 29, 2026PressSent, no human8967
Jun 9, 2026NudgeSent, no human8644

What every number here means

Risk score (0 to 100)

How likely a balance is to go unpaid without intervention. 0 to 29 is comfortable, 30 to 49 is worth watching, 50 to 69 is pressing, 70 to 84 is urgent, and 85 or above needs action now.

Reliability score (0 to 100)

How dependably a customer has paid before. 80 to 100 is strong, 60 to 79 is fair, 40 to 59 is shaky, and below 40 is poor. The agent opens warmer with reliable customers and firmer with the rest.

Confidence (0 to 100)

How sure the agent is that a decision is the right one. Below the autonomy threshold the message is drafted but held for a person rather than sent. Higher is surer.

Commission and fee

The commission rate is the agreed cut of whatever is recovered. The fee is that rate applied to this balance, so it is only earned if and when the invoice is actually paid.

Age and status

Age is days since the due date. Status moves from open to overdue, then to promised, partial, disputed, escalated, or paid as the account progresses.

PayPal transaction

Every payment settles through PayPal to the Heytugas.com account. Each row lists its date, the installment it covers, and the PayPal transaction id for reconciliation.

Generated by Arrearly, built by Wiqi Lee. This statement reflects INV-1042 for Pixelwharf Studio as of Aug 26, 2026.

Agent

What should happen today?

Hand offSent · no humanvia email14 days ago

The ladder is exhausted and the customer has stopped replying. Further automated pressure damages a recoverable relationship; a call from a person is the higher-value move.

Confidence
93
Risk
91
Next review
Sep 2, 2026
Decided in
1,268ms

Conversation

Everything said so far

TL

Tobias Lund

Pixelwharf Studio

WhatsApp
Peter, HeytugasHi Tobias - invoice INV-1042 for $18,400 came due on the 4th and I can't see it against our account yet. If it's already scheduled, let me know the date and I'll close it off my side.9:12 AM
Tobias LundSorry, our client payment slipped. Give me two weeks.4:40 PM
Peter, HeytugasTobias, the two weeks you mentioned on the 12th have passed and $18,400 is still outstanding. Can you confirm a payment date in writing today? If the full amount is difficult, I can split it across three dates.10:05 AM
Peter, HeytugasFinal notice - invoice INV-1042, $18,400, now 42 days past due. Without payment or an agreed schedule by the 28th, the account moves to our recovery partner. I would rather settle this directly.11:22 AM
Peter, HeytugasTobias, picking this up personally. Call me on Thursday and let's find a way through it. - Alina2:08 PM

Finance

Payments and prediction

Payment model?Payment modelA learned model that reads the account and estimates two things: the probability the balance is recovered, and how many days it will take. It runs locally on every view, and a heavier retrainable version runs in the Python service when connected. The bars show which features push the odds up (green) or down (red), so the number can always be taken apart.66-100%Likely to be paid (green)40-65%Uncertain, worth watching (amber)0-39%At risk without action (red)high confidence

Probability of payment

2%

Predicted time to pay

69d

What drives it

History-100%Usually pays 38 days late
Age-71%82 days past due
Reliability-33%Pays with a reliability score of 41
Engagement+19%Customer has replied
Balance-17%Large balance outstanding
Relationship+5%5-month relationship
Promise0%No promise on file

Green pushes toward payment, red away from it, and the percentage is each feature's pull relative to the strongest one. The agent folds this into its reasoning as one input, never an instruction.

History

Decisions on this invoice

Decisions board
Hand offSent · no humanINV-1042Pixelwharf Studio14 days ago

The ladder is exhausted and the customer has stopped replying. Further automated pressure damages a recoverable relationship; a call from a person is the higher-value move.

Confidence93Risk91via emailgemini-2.5-flash · 1,268ms
Final noticeSent · no humanINV-1042Pixelwharf Studio1 month ago

Two ignored escalations and a broken promise. The balance is under the handoff limit, so a dated consequence is warranted before involving a person.

Confidence81Risk84via emailgemini-2.5-flash · 1,702ms
PressSent · no humanINV-1042Pixelwharf Studio2 months ago

The promised window lapsed with no payment and no contact. Naming the amount and asking for a written date raises the cost of silence.

Confidence89Risk67via whatsappgemini-2.5-flash · 1,484ms
NudgeSent · no humanINV-1042Pixelwharf Studio3 months ago

Four days past due on a five-month relationship. A soft note preserves goodwill and usually surfaces an internal approval delay.

Confidence86Risk44via whatsappgemini-2.5-flash · 1,310ms
INV-1042With a person
Balance
$18,400
Invoiced
$18,400
Paid so far
$0
Issued
May 6, 2026
Due
Jun 5, 2026
Age
82 days past due
Our commission
8%
Fee if recovered
$1,472
Risk ?Risk scoreA 0-100 estimate of the chance this balance is never recovered if left alone. It blends how far past due the invoice is, how reliably the customer has paid before, how large the balance is, and how long the relationship has lasted.0-29Comfortable30-49Worth watching50-69Pressing70-84Urgent85-100Act now
91
Messages sent
4
Last contact
12 days ago
Next review
Sep 2, 2026

Customer

Pixelwharf Studio

Tobias Lund

tobias@example.com

Reliability ?Reliability scoreA 0-100 record of this customer's own payment history with you. The agent leans on this to decide how warm or how firm to open.80-100Strong, pays close to on time60-79Fair, a nudge usually does it40-59Shaky, takes a few rounds0-39Poor, expect to work for it
41
Usually pays
38 days late
Customer for
5 months
INV-1042 · Pixelwharf Studio · Arrearly