Payments
Settle invoices online, in full or in part, without matching payments by hand.
The problem
Payments happened outside eZRx, through offline channels that varied by market and by bank. Customers had no single place to see what they owed or what they had paid.Payment Collector Update delays, SAP sync with Statment of Accounts delays
Key decisions
- Minimum effort for partial payments. Paying part of a balance had to take as little effort as paying all of it. I treated this as a hard constraint, not a nice-to-have.
- Oldest-first auto-allocation. Customers enter the amount they want to pay and eZRx applies it to their oldest invoices first, so nobody matches payments to invoices line by line.
- One status model across banks. I mapped payment advice statuses in every market against each bank’s responses, so customers see the same clear status wherever they are.
- Virtual bank accounts support Specific Use case of ID marker virtual bank payment with time limitation for payment advice flow alignments
- Payment advice generations Payment advice generation before payment for approval process support for end users internal process
- Payment advice deletion controle Payment advice generation deletion control logic flow base on bank respons timing periods
- Credit / G and R Tax deductions Offset Credit notes while new payment process with same principal validations
How oldest-first allocation works. Values are illustrative.

Alongside payments, I also worked on automated credit management and a proof of concept for AI-assisted credit checks on order release.














