Financial Operations Services

service: saas-billing-automation
billing:
  cycles:
    monthly:
      dayOfMonth: 1
      gracePeriod: 7-days
      retrySchedule: [3, 7, 14] # days after failure
    annual:
      anniversary: subscription-date
      earlyRenewal:
        allowed: true
        discount: 10%
  pricing:
    tiers:
      starter:
        price: 99
        users: 5
        features: [core]
        overage:
          additionalUsers: 15
      professional:
        price: 299
        users: 25
        features: [core, advanced]
        overage:
          additionalUsers: 10
      enterprise:
        price: 999
        users: unlimited
        features: [all]
        customPricing: true
    addOns:
      - id: premium-support
        name: Premium Support
        price: 99
        billing: monthly
      - id: api-access
        name: API Access
        price: 199
        billing: monthly
      - id: custom-integration
        name: Custom Integration
        price: 2999
        billing: one-time
  prorations:
    enabled: true
    method: daily
    upgrades: charge-immediately
    downgrades: credit-next-billing
    cancellations: no-refund-unless-annual
invoicing:
  generation:
    timing: 7-days-before-due
    consolidation: per-subscription
    itemization: detailed
  delivery:
    email:
      enabled: true
      template: subscription-invoice
      attachPDF: true
    portal:
      enabled: true
      allowDownload: true
      showHistory: true
  branding:
    logo: company-logo.png
    colors: brand-colors
    footer: company-details
payments:
  methods:
    creditCard:
      enabled: true
      processors: [stripe, braintree]
      cardSaving: required
      cvvRequired: first-payment
    ach:
      enabled: true
      verificationMethod: micro-deposits
      processingDays: 3-5
    wire:
      enabled: true
      instructions: auto-generate
      manualVerification: true
  automation:
    autoCharge:
      enabled: true
      timing: invoice-generated
      retrySchedule:
        - delay: 3-days
          method: same
        - delay: 7-days
          method: alternative-if-available
        - delay: 14-days
          method: all-available
          notifyCustomer: true
    failedPayments:
      dunning:
        enabled: true
        emails:
          - day: 0
            template: payment-failed
          - day: 3
            template: payment-failed-reminder
          - day: 7
            template: payment-failed-urgent
          - day: 14
            template: final-notice
        gracePeriod: 14-days
        suspendAccount: after-grace-period
        cancelAccount: 30-days-after-suspension
    paymentRecovery:
      updateCardRequest:
        enabled: true
        timing: before-retry
      alternativePaymentSuggestion: true
      paymentPlanOffer:
        threshold: 500
        options: [2-payments, 3-payments]
revenueRecognition:
  method: straight-line
  schedule:
    monthly: monthly
    annual: 12-months
    one-time: immediate
  deferral:
    setupFees: no
    customIntegrations: yes-over-12-months
  reporting:
    frequency: monthly
    metrics: [mrr, arr, churn, ltv]
compliance:
  taxes:
    enabled: true
    provider: avalara
    rules:
      us: state-and-local
      eu: vat
      international: as-applicable
  asc606:
    enabled: true
    performanceObligations: auto-identify
    transactionPrice: auto-allocate
  pci:
    level: 1
    tokenization: true
    noCardStorage: true
analytics:
  dashboards:
    - name: revenue-overview
      metrics: [mrr, arr, new-mrr, expansion, contraction, churn]
      frequency: real-time
    - name: billing-operations
      metrics: [invoices-sent, payments-processed, failed-payments, recovery-rate]
      frequency: daily
    - name: customer-health
      metrics: [payment-failures-by-customer, churn-risk, ltv]
      frequency: weekly

// Customer signs up for Professional plan
const subscription = await services.billing.createSubscription({
  customerId: 'cus_123',
  plan: 'professional',
  quantity: 25, // users
  addOns: ['premium-support'],
  billingCycle: 'monthly',
  startDate: '2024-11-01',
  paymentMethod: 'card_abc123',
})

// Service automatically:
// 1. Calculates first invoice:
//    - Professional plan: $299
//    - Premium Support: $99
//    - Total: $398 (prorated for partial month if needed)
// 2. Generates and sends invoice
// 3. Charges payment method
// 4. Sets up recurring billing
// 5. Begins revenue recognition schedule

console.log(subscription)
// {
//   id: 'sub_789',
//   status: 'active',
//   currentPeriod: {
//     start: '2024-11-01',
//     end: '2024-12-01'
//   },
//   mrr: 398,
//   arr: 4776,
//   nextBilling: '2024-12-01',
//   paymentMethod: 'card ending in 1234'
// }

// Customer upgrades to Enterprise plan
await services.billing.updateSubscription({
  subscriptionId: subscription.id,
  plan: 'enterprise',
  addOns: ['premium-support', 'api-access'],
  effectiveDate: 'immediate',
})

// Service automatically:
// 1. Calculates proration:
//    - Credit for unused Professional time: $149.50
//    - Charge for Enterprise from today: $833.33 (prorated)
//    - API Access from today: $166.33 (prorated)
//    - Net charge: $850.16
// 2. Generates upgrade invoice
// 3. Charges payment method
// 4. Updates MRR/ARR metrics
// 5. Adjusts revenue recognition schedule

// Payment fails on renewal
services.billing.on('payment.failed', async (event) => {
  console.log(`Payment failed for ${event.customerId}`)

  // Service automatically:
  // 1. Sends immediate failure notification
  // 2. Schedules retry for 3 days
  // 3. Sends card update request
  // 4. Starts dunning sequence

  // Day 3: First retry
  await services.billing.retryPayment({
    subscriptionId: event.subscriptionId,
    paymentMethod: event.paymentMethod,
  })

  // If still fails:
  // Day 7: Try alternative payment method (if available)
  // Day 14: Final attempt + suspension warning
  // Day 28: Suspend account
  // Day 58: Cancel subscription
})

// Customer requests cancellation
await services.billing.cancelSubscription({
  subscriptionId: subscription.id,
  effectiveDate: 'end-of-period', // or 'immediate'
  reason: 'switching-to-competitor',
  feedback: 'Needed more advanced features',
})

// Service automatically:
// 1. Schedules cancellation for period end
// 2. Continues billing through period
// 3. Sends cancellation confirmation
// 4. Offers win-back offer (if configured)
// 5. Collects cancellation data for analysis
// 6. Adjusts churn metrics

// Billing analytics
const billingMetrics = await services.billing.getMetrics({
  timeRange: 'last-month',
})

console.log(billingMetrics)
// {
//   revenue: {
//     mrr: 125670,
//     mrrGrowth: 0.085, // 8.5%
//     arr: 1508040,
//     newMRR: 23450,
//     expansionMRR: 8920,
//     contractionMRR: -3210,
//     churnMRR: -4890
//   },
//   subscriptions: {
//     total: 892,
//     new: 67,
//     upgrades: 45,
//     downgrades: 12,
//     cancellations: 23,
//     churnRate: 0.026 // 2.6%
//   },
//   billing: {
//     invoicesSent: 892,
//     invoicesPaid: 834, // 93.5%
//     paymentsFailed: 58, // 6.5%
//     recoveryRate: 0.72, // 72% recovered
//     avgDaysToPayment: 2.3,
//     dso: 12 // days sales outstanding
//   },
//   customers: {
//     avgLTV: 5890,
//     avgRevenuePerCustomer: 141,
//     paymentFailureRate: 0.065,
//     churnRisk: {
//       high: 45,
//       medium: 123,
//       low: 724
//     }
//   }
// }

// Revenue recognition report
const revenueReport = await services.billing.getRevenueRecognition({
  period: '2024-10',
})

console.log(revenueReport)
// {
//   recognizedRevenue: 118450,
//   deferredRevenue: 342890,
//   breakdown: {
//     subscriptions: {
//       recognized: 98760,
//       deferred: 289340
//     },
//     setupFees: {
//       recognized: 15690,
//       deferred: 0
//     },
//     customIntegrations: {
//       recognized: 4000,
//       deferred: 53550 // Being recognized over 12 months
//     }
//   },
//   compliance: {
//     asc606: 'compliant',
//     methodology: 'straight-line',
//     performanceObligations: 'properly-identified'
//   }
// }

{
  "service": "expense-management",
  "receiptCapture": {
    "methods": [
      {
        "type": "mobile-app",
        "enabled": true,
        "ocr": true,
        "autoCategories": true
      },
      {
        "type": "email-forward",
        "enabled": true,
        "address": "[email protected]",
        "ocr": true
      },
      {
        "type": "credit-card-sync",
        "enabled": true,
        "providers": ["amex", "chase", "citi"],
        "autoMatch": true
      }
    ],
    "processing": {
      "extractFields": ["merchant", "date", "amount", "currency", "tax", "tip", "category"],
      "validation": {
        "dateRange": "last-90-days",
        "amountRange": [1, 10000],
        "duplicateCheck": true,
        "duplicateWindow": "30-days"
      },
      "categorization": {
        "ai": true,
        "confidence": 0.85,
        "manualReview": "below-threshold"
      }
    }
  },
  "policies": {
    "rules": [
      {
        "name": "meals-and-entertainment",
        "category": "meals",
        "limits": {
          "perMeal": 75,
          "perDay": 150,
          "requiresReceipt": "always"
        },
        "approvalRequired": "over-50"
      },
      {
        "name": "travel",
        "category": "travel",
        "limits": {
          "flight": {
            "domestic": 500,
            "international": 1500,
            "class": "economy",
            "bookingWindow": "14-days-advance"
          },
          "hotel": {
            "perNight": 200,
            "requiresReceipt": "always"
          },
          "car-rental": {
            "perDay": 75,
            "type": "economy-or-compact"
          }
        }
      },
      {
        "name": "office-supplies",
        "category": "office-supplies",
        "limits": {
          "perPurchase": 200,
          "perMonth": 500
        },
        "approvalRequired": "over-100"
      },
      {
        "name": "client-entertainment",
        "category": "client-entertainment",
        "limits": {
          "perEvent": 500,
          "requiresJustification": true,
          "requiresAttendees": true
        },
        "approvalRequired": "always"
      }
    ],
    "mileage": {
      "enabled": true,
      "rate": 0.67, // per mile (IRS rate)
      "tracking": "gps-or-manual",
      "requiresRoute": true
    },
    "perDiem": {
      "enabled": true,
      "rates": {
        "us-tier1": 74, // breakfast + lunch + dinner
        "us-tier2": 64,
        "international": "by-country"
      },
      "calculation": "automatic"
    }
  },
  "approvalWorkflow": {
    "routes": [
      {
        "condition": "amount <= 100",
        "autoApprove": true
      },
      {
        "condition": "amount > 100 && amount <= 1000",
        "approvers": ["direct-manager"],
        "sla": "48-hours"
      },
      {
        "condition": "amount > 1000",
        "approvers": ["direct-manager", "department-head"],
        "sequential": true,
        "sla": "72-hours"
      },
      {
        "condition": "policy-violation",
        "approvers": ["direct-manager", "finance"],
        "requiresJustification": true
      }
    ],
    "reminders": {
      "pending": [24, 48],
      "overdue": [72, 96]
    },
    "delegation": {
      "enabled": true,
      "temporary": true
    }
  },
  "reimbursement": {
    "schedule": {
      "frequency": "bi-weekly",
      "dayOfWeek": "friday",
      "cutoff": "thursday-end-of-day"
    },
    "methods": [
      {
        "type": "direct-deposit",
        "enabled": true,
        "processingDays": 2,
        "preferred": true
      },
      {
        "type": "check",
        "enabled": true,
        "processingDays": 5
      },
      {
        "type": "payroll",
        "enabled": true,
        "nextPayroll": true
      }
    ],
    "minimumAmount": 25,
    "consolidation": "all-approved-expenses"
  },
  "accounting": {
    "integration": {
      "system": "quickbooks",
      "sync": "real-time",
      "chartOfAccounts": "auto-map"
    },
    "coding": {
      "dimensions": ["department", "cost-center", "project", "client"],
      "required": ["department"],
      "autoPopulate": "from-employee-profile"
    },
    "taxTreatment": {
      "deductibility": "auto-calculate",
      "compliance": "irs-guidelines"
    }
  },
  "compliance": {
    "auditTrail": {
      "enabled": true,
      "retention": "7-years",
      "immutable": true
    },
    "reporting": {
      "irs": {
        "form1099": "auto-generate",
        "mileageLog": "compliant-format"
      },
      "sarbanes-oxley": {
        "controls": "documented",
        "segregationOfDuties": true
      }
    }
  },
  "analytics": {
    "dashboards": [
      {
        "name": "expense-overview",
        "metrics": ["total-expenses", "by-category", "by-department", "trending"]
      },
      {
        "name": "policy-compliance",
        "metrics": ["violations", "out-of-policy-rate", "top-violators"]
      },
      {
        "name": "approval-efficiency",
        "metrics": ["avg-approval-time", "pending-count", "bottlenecks"]
      }
    ],
    "alerts": [
      {
        "condition": "expense > 1000",
        "notify": ["finance-team"]
      },
      {
        "condition": "policy-violation-rate > 0.15",
        "notify": ["finance-manager"]
      },
      {
        "condition": "approval-backlog > 50",
        "notify": ["approvers", "finance"]
      }
    ]
  }
}

// Employee photographs receipt
await services.expenses.captureReceipt({
  employeeId: 'emp_123',
  image: receiptImageBase64,
  location: { lat: 37.7749, lng: -122.4194 },
  timestamp: '2024-10-27T12:30:00Z',
})

// Service automatically:
// 1. OCR extracts data:
const extractedData = {
  merchant: 'Starbucks',
  date: '2024-10-27',
  amount: 12.5,
  currency: 'USD',
  category: 'meals',
  confidence: 0.95,
}

// 2. Validates against policy:
const validation = {
  compliant: true,
  rules: [
    { rule: 'meals-per-meal-limit', limit: 75, actual: 12.5, status: 'pass' },
    { rule: 'receipt-required', status: 'pass' },
  ],
}

// 3. Creates expense:
const expense = {
  id: 'exp_456',
  employee: 'emp_123',
  merchant: 'Starbucks',
  amount: 12.5,
  category: 'meals',
  date: '2024-10-27',
  status: 'auto-approved', // under $100
  receipt: 'stored-url',
  accountingCode: {
    department: 'Engineering',
    costCenter: 'R&D',
    glAccount: '6100-Meals',
  },
}

// Business travel with multiple expenses
await services.expenses.createReport({
  employeeId: 'emp_123',
  tripName: 'Customer Visit - Acme Corp',
  startDate: '2024-10-25',
  endDate: '2024-10-27',
  expenses: [
    {
      type: 'flight',
      amount: 450,
      merchant: 'United Airlines',
      date: '2024-10-25',
      receipt: 'flight-receipt.pdf',
    },
    {
      type: 'hotel',
      amount: 175,
      merchant: 'Marriott',
      date: '2024-10-25',
      receipt: 'hotel-receipt.pdf',
      nights: 2,
    },
    {
      type: 'client-entertainment',
      amount: 285,
      merchant: 'Restaurant XYZ',
      date: '2024-10-26',
      receipt: 'dinner-receipt.pdf',
      attendees: ['John Smith (Acme)', 'Jane Doe (Acme)', 'Self'],
      businessPurpose: 'Discuss Q1 renewal and expansion opportunities',
    },
    {
      type: 'mileage',
      miles: 45,
      amount: 30.15, // auto-calculated at $0.67/mile
      route: 'Office to Acme Corp',
      date: '2024-10-26',
    },
  ],
})

// Service automatically:
// 1. Validates each expense against policy
// 2. Flags client entertainment for approval (always requires approval)
// 3. Routes to manager
// 4. Calculates totals: $940.15

// Manager approves
await services.expenses.approveReport({
  reportId: 'report_789',
  approverId: 'manager_456',
  comments: 'Approved - Important client meeting',
})

// Service automatically:
// 1. Marks report as approved
// 2. Schedules for next reimbursement run (Friday)
// 3. Syncs to QuickBooks
// 4. Creates journal entries
// 5. Updates employee reimbursement balance

// Reimbursement processing (bi-weekly)
const reimbursements = await services.expenses.processReimbursements({
  runDate: '2024-11-01',
})

console.log(reimbursements)
// {
//   batchId: 'reimb_20241101',
//   totalAmount: 45670.25,
//   employeeCount: 67,
//   payments: [
//     {
//       employeeId: 'emp_123',
//       amount: 940.15,
//       method: 'direct-deposit',
//       account: '****1234',
//       status: 'processed',
//       expectedDate: '2024-11-03'
//     },
//     // ... more employees
//   ],
//   accountingEntries: [
//     {
//       account: '6100-Meals',
//       debit: 12450.50
//     },
//     {
//       account: '6200-Travel',
//       debit: 23890.75
//     },
//     {
//       account: '2100-Accounts-Payable',
//       credit: 45670.25
//     }
//   ]
// }

// Expense analytics
const expenseMetrics = await services.expenses.getAnalytics({
  timeRange: 'last-quarter',
})

console.log(expenseMetrics)
// {
//   total: 234560.75,
//   byCategory: {
//     travel: { amount: 89340.50, percent: 0.38, count: 234 },
//     meals: { amount: 34560.25, percent: 0.15, count: 892 },
//     officeSupplies: { amount: 12450.00, percent: 0.05, count: 156 },
//     clientEntertainment: { amount: 45670.00, percent: 0.19, count: 89 },
//     other: { amount: 52540.00, percent: 0.23, count: 345 }
//   },
//   byDepartment: {
//     engineering: 89450.25,
//     sales: 125670.50,
//     marketing: 19440.00
//   },
//   compliance: {
//     policyViolations: 23, // 1.3% of expenses
//     avgApprovalTime: 18.5, // hours
//     outOfPolicyRate: 0.013,
//     receiptsCompliance: 0.987 // 98.7%
//   },
//   efficiency: {
//     avgReimbursementTime: 9.2, // days from submission to payment
//     employeesSelfService: 0.95, // 95% use mobile app
//     autoApprovalRate: 0.72 // 72% auto-approved
//   }
// }

service: accounts-receivable-automation
invoicing:
  generation:
    sources:
      - type: crm-opportunities
        system: salesforce
        trigger: opportunity-closed-won
      - type: contracts
        system: contract-management
        trigger: milestone-completed
      - type: time-tracking
        system: harvest
        trigger: monthly-billable-hours
    automation:
      recurring: true
      schedules:
        - frequency: monthly
          dayOfMonth: 1
          customers: subscription-customers
        - frequency: weekly
          dayOfWeek: friday
          customers: time-and-materials
      templates:
        standard: default-template
        custom: per-customer-branding
  delivery:
    channels:
      email:
        enabled: true
        format: [pdf, html]
        encryption: optional
      customerPortal:
        enabled: true
        features: [view, download, pay, history]
      api:
        enabled: true
        webhook: true
      edi:
        enabled: true
        standards: [x12-810]
    tracking:
      delivered: true
      opened: true
      viewed: true
      downloaded: true
payments:
  acceptance:
    methods:
      - type: credit-card
        processors: [stripe, square]
        fees: customer-pays
      - type: ach
        processors: [plaid, stripe]
        fees: company-pays
        verificationRequired: true
      - type: wire
        instructions: auto-generate
        reference: invoice-number
      - type: check
        mailAddress: lockbox
        imagingService: true
    automation:
      online:
        enabled: true
        portal: customer-portal
        emailLink: payment-link
        convenience-fee: 2.9%
      autopay:
        enabled: true
        enrollment: customer-opt-in
        failureHandling: retry-3-times
      paymentPlans:
        enabled: true
        approval: auto-for-good-standing
        terms: [30-days, 60-days, 90-days]
  application:
    matching:
      rules:
        - byInvoiceNumber: exact-match
        - byCustomer: oldest-first
        - byAmount: exact-or-closest
      partial:
        apply: to-oldest-invoice
        threshold: 0.99 # match within 1%
      overpayment:
        action: credit-to-account
        notify: customer
    reconciliation:
      frequency: real-time
      sources: [stripe, ach-bank, wire-bank, lockbox]
      autoPost: true
      exceptions: manual-review
collections:
  reminders:
    schedule:
      - timing: 7-days-before-due
        channel: email
        template: upcoming-payment
      - timing: 1-day-before-due
        channel: email-sms
        template: payment-due-tomorrow
      - timing: 0-days # due date
        channel: email
        template: payment-due-today
      - timing: 7-days-past-due
        channel: email-sms
        template: payment-overdue
        escalation: account-manager
      - timing: 14-days-past-due
        channel: email-phone
        template: urgent-payment-request
        escalation: collections-team
      - timing: 30-days-past-due
        channel: email-phone-letter
        template: final-notice
        escalation: collections-manager
        action: suspend-account
    personalization:
      customerSegment: true
      paymentHistory: true
      relationship: true
  automation:
    accountSuspension:
      trigger: 30-days-past-due
      notification: 7-days-advance
      exceptions: [vip-customers, active-negotiations]
    lateF ees:
      enabled: true
      rate: 1.5% # monthly
      minimum: 25
      maximum: 500
      waiver: first-time-late
    collections Agency:
      threshold: 90-days-past-due
      minAmount: 500
      agency: partner-agency
reporting:
  dashboards:
    - name: cash-flow
      metrics: [ar-aging, dso, collection-effectiveness]
      frequency: daily
    - name: customer-health
      metrics: [payment-behavior, credit-utilization, risk-score]
      frequency: weekly
  metrics:
    dso:
      calculation: average-receivables / average-daily-sales
      target: 30-days
      alert: over-40-days
    collectionEffectiveness:
      calculation: collected / collectible
      target: 0.98
      by: [customer-segment, age-bucket]
    cashForecast:
      horizon: 90-days
      method: ai-prediction
      accuracy: track
integration:
  accounting:
    system: quickbooks
    syncInvoices: real-time
    syncPayments: real-time
    syncCredits: real-time
  crm:
    system: salesforce
    updateOpportunities: on-payment
    updateAccountHealth: daily
    alerts: payment-issues
  banking:
    providers: [plaid, yodlee]
    accounts: [operating, lockbox]
    sync: real-time
    reconciliation: automatic

// CRM opportunity closes - auto-generate invoice
services.ar.on('opportunity-won', async (opportunity) => {
  const invoice = await services.ar.generateInvoice({
    customerId: opportunity.accountId,
    lineItems: opportunity.products.map((p) => ({
      description: p.name,
      quantity: p.quantity,
      unitPrice: p.price,
      amount: p.quantity * p.price,
    })),
    terms: opportunity.paymentTerms || 'Net 30',
    dueDate: calculateDueDate(opportunity.closeDate, 30),
    source: 'salesforce-opportunity',
    sourceId: opportunity.id,
  })

  // Service automatically:
  // 1. Generates invoice with branding
  // 2. Sends via email + portal
  // 3. Creates payment link
  // 4. Schedules reminders
  // 5. Syncs to accounting system

  console.log(invoice)
  // {
  //   id: 'INV-2024-001',
  //   customer: 'Acme Corporation',
  //   amount: 50000,
  //   dueDate: '2024-11-27',
  //   status: 'sent',
  //   paymentLink: 'https://pay.company.com/INV-2024-001',
  //   reminders: [
  //     { date: '2024-11-20', channel: 'email' },
  //     { date: '2024-11-26', channel: 'email-sms' },
  //     { date: '2024-11-27', channel: 'email' }
  //   ]
  // }
})

// Customer makes payment
await services.ar.receivePayment({
  amount: 50000,
  paymentMethod: 'ach',
  reference: 'INV-2024-001',
  customerId: 'cus_123',
  date: '2024-11-25',
})

// Service automatically:
// 1. Matches payment to invoice
// 2. Marks invoice as paid
// 3. Updates customer balance
// 4. Cancels scheduled reminders
// 5. Posts to accounting system
// 6. Sends payment confirmation
// 7. Updates CRM opportunity
// 8. Updates cash flow forecast

// Partial payment received
await services.ar.receivePayment({
  amount: 25000, // 50% of invoice
  reference: 'INV-2024-002',
  customerId: 'cus_456',
})

// Service automatically:
// 1. Applies to oldest invoice first
// 2. Updates invoice status to 'partial'
// 3. Sends partial payment confirmation
// 4. Adjusts reminder schedule for remaining balance
// 5. Creates payment plan offer if applicable

// Late payment handling
services.ar.on('invoice-past-due', async (invoice) => {
  // Service automatically:
  // 1. Sends overdue reminder
  // 2. Escalates to account manager
  // 3. Applies late fee if policy allows
  // 4. Updates customer risk score

  if (invoice.daysPastDue >= 30) {
    await services.ar.suspendAccount({
      customerId: invoice.customerId,
      reason: 'payment-overdue',
      invoiceId: invoice.id,
    })

    // Notify customer service and sales
    await services.ar.notifyTeams({
      teams: ['customer-service', 'sales'],
      customer: invoice.customerId,
      action: 'account-suspended',
      reason: `Invoice ${invoice.number} is ${invoice.daysPastDue} days past due`,
    })
  }
})

// AR Analytics
const arMetrics = await services.ar.getMetrics({
  timeRange: 'current-month',
})

console.log(arMetrics)
// {
//   currentAR: 1234567,
//   aging: {
//     current: 987654, // 80%
//     '1-30-days': 185679, // 15%
//     '31-60-days': 49382, // 4%
//     '61-90-days': 12345, // 1%
//     'over-90-days': 507 // 0.04%
//   },
//   dso: 28, // days sales outstanding
//   collectionEffectiveness: 0.982, // 98.2%
//   paymentMetrics: {
//     onTime: 0.85, // 85% on-time
//     avgDaysToPayment: 23,
//     avgDaysLate: 5.2, // for late payments
//     paymentMethods: {
//       ach: 0.45,
//       creditCard: 0.35,
//       wire: 0.15,
//       check: 0.05
//     }
//   },
//   automation: {
//     invoicesSent: 234,
//     paymentsReceived: 198,
//     autoMatched: 192, // 97%
//     manualReview: 6,
//     remindersS ent: 567,
//     paymentLinkClicks: 189,
//     onlinePayments: 134 // 68% of payments online
//   },
//   forecast: {
//     next30Days: 456789,
//     next60Days: 789456,
//     next90Days: 987654,
//     confidence: 0.92 // 92% forecast accuracy
//   }
// }

// Customer health report
const customerHealth = await services.ar.getCustomerHealth({
  customerId: 'cus_123',
})

console.log(customerHealth)
// {
//   customer: 'Acme Corporation',
//   creditLimit: 100000,
//   currentBalance: 15000,
//   availableCredit: 85000,
//   paymentBehavior: {
//     avgDaysToPayment: 28,
//     onTimeRate: 0.92,
//     paymentMethod: 'ach',
//     autoPayEnrolled: true
//   },
//   riskScore: 85, // out of 100, higher is better
//   riskFactors: {
//     positive: ['consistent-payment-history', 'auto-pay-enrolled'],
//     negative: ['occasional-late-payments']
//   },
//   outstandingInvoices: [
//     { invoice: 'INV-2024-003', amount: 15000, dueDate: '2024-12-15', age: -19 }
//   ],
//   recommendations: [
//     'Good customer - consider credit limit increase',
//     'Monitor for continued on-time payments'
//   ]
// }

Invoice Processing:
- $0.50 - $2.00 per invoice
- Volume discounts at 1K, 10K, 100K

Payment Processing:
- Credit card: 2.9% + $0.30
- ACH: 0.8% (capped at $5)
- Wire: $15 per transaction
- Check: $2.00 per check

Expense Reports:
- $2.00 per expense report
- $0.25 per individual expense
- Volume discounts available

Starter:
- $99/month
- 100 invoices/month
- 200 expenses/month
- Basic automation
- Overage: $1/invoice, $0.50/expense

Professional:
- $499/month
- 1,000 invoices/month
- 2,000 expenses/month
- Advanced automation
- Payment processing
- Overage: $0.50/invoice, $0.25/expense

Enterprise:
- $2,499/month
- 10,000 invoices/month
- 20,000 expenses/month
- Full automation
- Custom workflows
- Dedicated support
- Overage: $0.25/invoice, $0.10/expense

Advanced Collections:              +$500/month
Revenue Recognition:               +$1,000/month
Multi-Entity Management:           +$800/month
Custom Approval Workflows:         +$300/month
API Access:                        +$500/month
Advanced Reporting:                +$400/month
Payment Processing (interchange): 2.9% + $0.30 per transaction
Dedicated Support:                 +$1,500/month
Audit Trail & Compliance:          +$600/month

// Ensure proper approvals
const controls = {
  invoiceApproval: {
    creator: 'cannot-approve-own',
    approver: 'manager-level-or-above',
    dualApproval: 'over-10000',
  },
  paymentApproval: {
    creator: 'accounts-payable',
    approver: 'controller',
    dualApproval: 'over-25000',
    segregation: 'creator-cannot-approve',
  },
  expenseApproval: {
    submitter: 'employee',
    approver: 'direct-manager',
    exception: 'finance-team',
    noSelfApproval: true,
  },
}

// Monitor for suspicious activity
services.financial.on('fraud-alert', (alert) => {
  console.log(`Fraud Alert: ${alert.type}`)
  console.log(`Details: ${alert.details}`)
  console.log(`Risk Score: ${alert.score}`)

  // Common fraud patterns:
  // - Duplicate invoices with slight variations
  // - Unusual vendor payments
  // - Expense duplicates
  // - Payment to new vendors without approval
  // - Bank account changes without verification
})

// Compliance checks
const compliance = {
  audit: {
    trail: 'complete',
    retention: '7-years',
    immutable: true,
    timestamp: 'blockchain',
  },
  controls: {
    soc2: 'certified',
    pci: 'level-1',
    iso27001: 'certified',
  },
  privacy: {
    gdpr: 'compliant',
    ccpa: 'compliant',
    encryption: 'at-rest-and-in-transit',
  },
}