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INV-2014

Brightpath Tuition

$2,750 outstanding, 19 days past due.

Arrearly

Account statement

By Wiqi Lee

Statement for

INV-2014

Generated Aug 26, 2026

Billed to

Brightpath Tuition

Kevin Sim

kevin@example.com

Summary

INV-2014 for Brightpath Tuition is 19 days past due with $2,750 outstanding and a risk score of 39. The risk is contained, so the agent is chasing gently. Brightpath Tuition usually pays 12 days late and has a reliability score of 66. So far the agent has made 1 decision and sent 1 message. If recovered, the fee would be $165.

Payment was settled through PayPal to the Heytugas.com account across 1 transaction totalling $2,750: installment 1 of 2 of $2,750 on Aug 2, 2026 (PayPal transaction EQ39M3SNFG97K89PQ).

Invoice detail

Invoice numberINV-2014
Statuspartial
Invoiced$5,500
Paid so far$2,750
Balance$2,750
IssuedJul 4, 2026
DueAug 7, 2026
Age19 days past due
Risk score39 / 100
Commission rate6%
Fee if recovered$165

Customer

Reliability score66 / 100
Usually pays12 days late
Customer for5 months
Messages exchanged1 sent, 2 received

Payments received via PayPal

DateInstallmentTransactionAmount
Aug 2, 20261 of 2EQ39M3SNFG97K89PQ$2,750

Settled to the Heytugas.com PayPal account.

Decision history (1)

DateActionOutcomeConf.Risk
Aug 4, 2026NegotiateSent, no human8239

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-2014 for Brightpath Tuition as of Aug 26, 2026.

Agent

What should happen today?

NegotiateSent · no humanvia whatsapp22 days ago

Part paid already and the client signalled strain. Offering to split the $2,750 balance turns an unpaid amount into a scheduled one.

Confidence
82
Risk
39
Next review
Aug 25, 2026
Decided in
708ms

Decided by the offline policy engine. Add Gemini credentials to hand this over to the model.

Conversation

Everything said so far

KS

Kevin Sim

Brightpath Tuition

WhatsApp
Peter, HeytugasHi Kevin - thanks for the first payment on INV-2014 for the website design and logo for the tuition centre. The remaining $2,750 is now past due. When can we expect it?9:20 AM
Kevin SimCash is a little tight this month, can we split the rest?2:10 PM
Kevin SimThanks Peter. The first payment for the website design and logo for the tuition centre is done. Could we split the rest over two months? A bit stretched right now.2:41 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)medium confidence

Probability of payment

66%

Predicted time to pay

24d

What drives it

Engagement+100%Customer has replied
Age-84%19 days past due
History-83%Usually pays 12 days late
Reliability+55%Pays with a reliability score of 66
Relationship+25%5-month relationship
Balance0%Modest balance outstanding
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.

Payment schedulePayPal installments

Times shown in the customer's zone and Heytugas time (WIB).

$2,750Paid Jul 6, 20266:00 PM GMT+8 · 5:00 PM WIB
2$2,750Due Aug 11, 20266:00 PM GMT+8 · 5:00 PM WIB
Payments receivedvia PayPal

PayPal is the settlement rail for every invoice. Tap a payment for the full transaction. Amounts settle to the Heytugas.com account.

History

Decisions on this invoice

Decisions board
NegotiateSent · no humanINV-2014Brightpath Tuition22 days ago

Part paid already and the client signalled strain. Offering to split the $2,750 balance turns an unpaid amount into a scheduled one.

Confidence82Risk39via whatsappgemini-2.5-flash · 708msSimulated
INV-2014Part paid
Balance
$2,750
Invoiced
$5,500
Paid so far
$2,750
Issued
Jul 4, 2026
Due
Aug 7, 2026
Age
19 days past due
Our commission
6%
Fee if recovered
$165
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
39
Messages sent
1
Last contact
21 days ago
Next review
Aug 25, 2026

Customer

Brightpath Tuition

Kevin Sim

kevin@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
66
Usually pays
12 days late
Customer for
5 months
INV-2014 · Brightpath Tuition · Arrearly