A payment doesn't show up as pending or due tomorrow
The collections list tells you which installments are due today, which are due tomorrow and which are overdue. If a customer you expected isn't there, there's almost always a specific reason: the installment falls on a different date, it's already marked as collected, or the loan doesn't belong in that list. Here's how it's calculated and what to check.
Where the list is
Tap Payments in the bottom bar. On the Collections tab you'll see three groups:
- Overdue: installments whose date has passed and that have no payment recorded.
- Today: installments due today, collected or not.
- Tomorrow: installments due tomorrow.
Each group shows at most 50 installments (Overdue, up to 100). If you have more, the rest don't appear in the list, but they remain in each loan's balance.
If the list looks out of date, pull down to refresh it. This recalculates your collections.
How each installment's date is calculated
Each loan has a First Payment Date and a frequency (daily, weekly, biweekly, monthly, etc.). The other installments are calculated from that date according to the frequency. Two settings can move those dates:
- Preferred payment day. When creating the loan you can choose the day of the week or month for collection. If you choose one, installments fall on that day instead of the automatic calculation.
- Work calendar (paid plans and trial). In the menu (☰) › Settings › Work calendar you mark your Work days and Holidays. If an installment falls on a day you don't work, it moves according to Due date adjustment: Move to previous work day (the default) or Move to next work day.
For example: if you don't work on Sundays and an installment falls on a Sunday, with the default option you'll see it on the Saturday before, not on Monday.
Why a payment doesn't show up
1. The installment isn't due that day. Check the loan's First Payment Date, frequency and preferred day. If you use the Work calendar, remember that an installment on a non-work day moves to another day.
2. There's already a payment recorded for that installment. In the list, an installment counts as collected when there's a payment recorded with that installment's date, even if the amount was smaller. That's why a partial payment can make the installment disappear from Overdue. What's still owed is reflected in the loan balance.
3. The payment was recorded with a different date. If your customer paid a late installment and you recorded it from the loan with today's date, that payment stays on today and the late installment keeps showing as overdue. To avoid this:
- Record the payment by tapping the customer in the Collections list and then Receive payment. That links the payment to that installment.
- Or, on the payment screen, choose the Delayed Payments option and select the installment being paid. This option only appears if the customer has installments that became overdue in the last 10 days.
4. The installment has been overdue for more than 15 days. Overdue only shows installments that became overdue in the last 15 days, so the list stays manageable. Older ones don't appear there, but the debt doesn't disappear: it remains in the loan balance.
5. The loan is already paid off or has no end date. Loans with no outstanding balance don't appear in Collections. Open-ended Note loans, which have no end date, don't appear in this list either.
Partial payments and amounts
The amount you see on each installment is the loan's installment value. If you record a smaller amount, the loan balance only goes down by what you received. To know how much a customer really owes, open the loan and check its balance.
Still doesn't add up?
If after checking all of this a payment still isn't where it should be, open the menu (☰) › Settings › Help center, tap Tickets at the top and then Create ticket. Include the customer, the installment date you expected to see and the loan frequency.