RCV-8813ReceivableUSNet 30via email

Rowan & Fox Consultancy

Professional services · INV-2026-04511

At stake

$31.00

Expected recovery under this decision $25.73

Ageing

13 days past due

Fell due 19 August 2026

Engine decision

Hold and waitHigh confidence

Decided by gate G-BELOW-FLOOR, bypassing the score of 20.

The engine’s working

Streamed as it happens. Real timings are scaled down so the run is watchable.

·Idle. The decision below is already computed; running replays how it was reached.

Step 1 — the facts it extracted6 signals from 5 records

Against it

Propensity to settle unaidedPROPENSITYcited
Payment behaviour scores 83 of 100 on 2 settled invoices, with a median pay lag of 1 day before terms and a spread of 1 day.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8813-03
-16
Below the pursuit floorBELOW_PURSUIT_FLOOR
The outstanding balance of $31.00 is below your $40.00 floor for active collection.
Routed by a hard gate; excluded from the score · traced to EV-8813-02, EV-8813-01
+0
Part payment receivedPART_PAYMENT_RECEIVED
$1,169.00 was received by ACH on 18 August 2026 under reference ACH-99120447, leaving $31.00 outstanding.
Part payment received against the balance · traced to EV-8813-02
-10
Relationship guard appliesRELATIONSHIP_GUARD
Lifetime value of $84,000.00 across 17 months exceeds your $50,000.00 guard, and 1 order is currently open.
Lifetime value guard · traced to EV-8813-05
-8

Context

Past duePAST_DUE
Invoice INV-2026-04511 for $31.00 fell due on 19 August 2026, 13 days ago.
Invoice ageing: 1-14 days · traced to EV-8813-01
+4
Contact headroom remainsCONTACT_HEADROOM
0 of the permitted 7 contact attempts in the trailing seven days have been used.
Contact frequency governance · traced to EV-8813-04
+0

Step 2 — hard gatesThese bypass the score entirely

Below the pursuit floorG-BELOW-FLOORdecided this case
The balance is under your $40.00 floor. It is left to accrue against the next invoice rather than worked on its own.

Step 3 — the position it takesnone

Why nothing is being sent

The balance is under your $40.00 floor. It is left to accrue against the next invoice rather than worked on its own.

PROPENSITY

Exhibits attached

Step 4 — self-checkReleased

Every assertion in this artifact resolves to a record on the case. Nothing withheld.

digest aef2c58cd9d7c013 · the same case always produces this digest

The record5 items

InvoiceEV-8813-01
QuickBooks · INV-2026-04511 · captured 20 Jul 2026
amount_minor
120000
currency
USD
terms
Net 30
Remittance receivedEV-8813-02
Mercury · ACH-99120447 · captured 18 Aug 2026
amount_minor
116900
currency
USD
rail
ACH
note
Short by the wire fee deducted at the sending bank.
Payment history, 24 monthsEV-8813-03
QuickBooks · cust_RF-1044 · captured 01 Sept 2026
rows
2026-06-19|2026-06-18|140000;2026-05-19|2026-05-17|122000
invoices_paid
12
invoices_written_off
0
partial_payments
1
Contact attempts, trailing 7 daysEV-8813-04
Setliva · log_RF-1044 · captured 01 Sept 2026
attempts_last_7_days
0
last_contact_at
2026-08-20T09:00:00Z
last_channel
email
responded
true
Account profileEV-8813-05
Salesforce · acct_RF-1044 · captured 01 Sept 2026
lifetime_value_minor
8400000
relationship_months
17
open_orders
1
timezone
America/New_York

Propensity to settle unaided83/100

Base rate Starting position before any account evidence.	+50
Median pay lag Settles 1 days before terms, historically.	+25
Responsiveness The most recent contact attempt was answered.	+8

Days-past-due is deliberately not an input. Lateness is a property of the invoice; this is a property of the payer.

Your decision

Audit trail2 events

case.evaluated08:48:00
6 signals extracted; digest aef2c58cd9d7c013
717e71d0627d4aa832199aba…
decision.gated08:48:01
G-BELOW-FLOOR fired, giving await
c0ca49ff2865684fa5560823…