The Collections Assistant is an AI feature that flags which of your dealers may not pay on the due date before that day arrives, assigns a numerical score to the late payment risk, and prepares a payment link draft with a polite reminder text for your approval. It uses the current account, due date, invoice, and collections history data you already keep in B2BPro, so there is no need to enter any data from outside. The assistant suggests and drafts; sending and the final decision always stay with you.
In dealer and wholesale sales, collections often suffer from the same mistake: once a current account starts slipping, you wait for the first overdue payment to notice it. Yet late payment does not happen all at once; in most dealers' behavior the signal appears weeks in advance. The due date interval stretches, payments pile up toward the last day, partial payments increase. The Collections Assistant is designed to read these signals and bring them in front of you before they escape your attention.
In this article we explain, with concrete dealer scenarios, which data the assistant looks at, how it produces the late payment risk score, and how the reminder and payment link draft it prepares will work. We also share openly that the feature is not yet live, that it is being developed in a preview stage, and how customers who move to B2BPro today will use it for free once it launches.
Why collections are always noticed too late
In a company working on open account with its dealers, collections tracking usually starts after the payment is already overdue. A dealer's due date passes, the line turns red on the report screen, and then it enters the call list. By this point you are no longer trying to win the money back but to manage the delay. The real cost is right here: an accounting or sales team tracking dozens of current accounts at once notices the dealer who pays latest the latest.
Yet the traces of late payment behavior are often there earlier. If Demir Ticaret, which regularly pays 3 days before the due date, has started shifting payment to the due date and beyond on its last three invoices, that is a trend. A current account whose open balance is approaching its credit limit, whose payments are increasingly broken into small pieces, gives a similar signal. Tracking these patterns by hand for every dealer is not practical.
The Collections Assistant targets exactly this gap. The goal is, instead of chasing the overdue dealer afterward, to flag the dealer prone to late payment before the due date and let you put a polite reminder in motion in time. The decision still stays with you; the assistant only draws your attention to the right current account at the right time.
How the Collections Assistant works
The assistant works with the data already present in B2BPro: current account movements, invoice and due date information, past collections, and payment timings. You do not need to make any new entry on top of this data. The assistant produces a late payment risk score by looking at each dealer's past payment behavior, how well it sticks to the due date, and the course of its open balance.
The score does not stay as a number on its own; it is presented along with its reasons. For example, for a current account you see justifications such as 'average delay on the last 3 invoices rose from 2 days to 9 days, open balance reached 80 percent of the credit limit.' The assistant then suggests the most suitable next step: a polite reminder before the due date, sending a payment link, or planning a phone call. You decide which one to apply.
For the step you approve, the assistant prepares a reminder text specific to the dealer and aligned with your brand, together with a B2BPro payment link draft. This draft is not sent directly; it comes to you first. You correct the text, change its tone, check the link, approve it, or drop it entirely. Sending and any kind of action happen only with your approval. The assistant does not send messages on its own and makes no money movement.
What exactly the late payment risk score tells you
The late payment risk score is a forecast of the likelihood that a dealer will not pay its upcoming due date on time. It is based on the current account's past payment behavior with you: average days of delay, due date compliance rate, the ratio of the open balance to the credit limit, and the recent trend. By combining these it produces an understandable risk level, for example Low, Medium, or High.
The important thing is to read the score as decision support, not a definitive result. A Yıldız Bayi flagged as high risk does not necessarily mean it will pay late; it may have been short on cash that week and recovered right away. Likewise, a low risk current account may also be delayed for an unexpected reason. The value of the score lies in directing your limited time toward the current accounts that need the most attention, and in showing this with reasons.
That is why the assistant clearly presents the justification behind every score. It answers the question 'Why is this dealer high risk?' with the data itself. So before sending a reminder, you evaluate the situation with your own sector and dealer knowledge and make the decision consciously.
Ready reminder and payment link draft
The most time consuming part of collections tracking is often not seeing the risk but writing the message that strikes the right tone. Crafting a text that reminds about the payment clearly, without harming the relationship with the dealer, takes effort. The assistant is designed to prepare this draft for you: a reminder text specific to the current account, aligned with your brand's language, polite but clear, and a B2BPro payment link where payment can be made right away.
For example, in a draft prepared for Demir Ticaret to be sent 2 days before the due date, the assistant suggests a text that references the good past relationship, clearly states the due date and amount, and includes the payment link. You see this draft, correct the amount or date if you wish, add or remove a sentence, then approve it. Nothing is sent unless you approve.
This approach aims to solve two things at once: it lowers the threshold for sending a reminder, because the text is already in front of you; and it makes collection easier, because the dealer can pay through the link without going through a separate process. In all of this, control stays with you; the assistant only takes on the preparation work.
A concrete scenario: three dealers, three different decisions
Imagine you open your collections screen on a Wednesday morning. Among the current accounts due this week, the assistant highlights three dealers. Demir Ticaret is low risk; it made its last six payments on the due date and its score is comfortable. Here the assistant suggests no action, it only informs you.
Yıldız Bayi, on the other hand, is medium risk. Delay on the last 3 invoices rose from 2 days to 9 days, the open balance is at 80 percent of the limit. The assistant suggests preparing a polite reminder to be sent 2 days before the due date and a payment link draft for the 42,000 TL open balance. You read the text, soften one sentence, and approve it.
The third current account is high risk. Its open balance is 118,000 TL, the last collection was 14 days overdue, and the trend is deteriorating. Here the assistant suggests planning a phone call first instead of a reminder, because the amount is large and the risk is rising. After you make the call and work out a payment plan, you ask the assistant for an installment payment link draft. Three dealers, three different decisions; in all three you have the final say.
Data security and limits
The Collections Assistant is being developed to work only on the current account and collections data in your own B2BPro account, under your supervision. Your data belongs to you and is not used to train models shared with other companies. Data processing is carried out privacy first, in line with the principles of Law No. 6698 (KVKK).
The assistant's authority limit is clear from the start. It does not send any message on its own, collects no amount, and changes no record by itself. The B2BPro bank integration also listens read-only; it reads incoming payments but performs no transaction on your accounts. So the assistant neither moves money on your behalf nor starts communication with a dealer before you approve it.
These limits are not a shortcoming but a deliberate design choice. Collections is a sensitive process; a message sent at the wrong time or with the wrong tone can damage the dealer relationship. That is why the assistant stays in the role of preparer rather than decision maker, and approval always rests with the human.
Not live yet: how to get early access
To be clear: the Collections Assistant is currently in the preview stage and not yet live. This page honestly explains how the feature will work once it launches; it does not say 'it exists now.' Score production, draft preparation, and the reminder flow are being matured during development and will be rolled out gradually.
During this process we are offering a fair deal. Customers who move to B2BPro today and bring their current account and collections processes onto the platform will receive the Collections Assistant, when it launches, as a limited free usage tier added to their plans at no extra charge. Pre-launch customers keep this right.
The only thing you need to do to start is to set up your collections and current account tracking in B2BPro today. As your data accumulates in the system, you will have the history for the assistant to work meaningfully from day one when it launches. By requesting a free demo, we can review your current collections process together and discuss in advance what the assistant could draw from your data.
The examples below show how the suggestions the assistant prepares for a dealer will look.
Yıldız Bayi was late on the due date for its last 3 invoices, open balance 42,000 TL. I prepared a polite reminder and a payment link draft to be sent 2 days before the due date. Would you like to approve it, or would you like to edit it?
Of the 4 dealers due this week, two appear to have a high tendency toward late payment. Which one would you like to deal with first? I am keeping the draft ready for each.
For Demir Ticaret the open balance is 118,000 TL and the last collection was 14 days overdue. Instead of a reminder, I suggest you plan a phone call first; if you wish, I can then produce an installment payment link draft.
I will not send the reminder without your approval, and I make no money movement. I can also show you the reasons I looked at when building the score; you make the decision.
Key takeaways
- The Collections Assistant flags the dealer prone to late payment before the due date with a late payment risk score; it lets you act in time instead of chasing afterward.
- The score is a forecast, not a definitive result; it is always presented with its reasons, and you make the decision.
- The assistant prepares a polite reminder text specific to the dealer and a payment link draft; but no message is sent without your approval.
- It works only with your B2BPro data; your data is not used to train shared models and is processed in line with KVKK principles.
- The feature is not yet live; customers who move to B2BPro today will receive it in a free usage tier when it launches.
Frequently asked questions
Is the Collections Assistant available now, and when will it launch?
No, it is currently in the preview stage and not yet live. Its capabilities will be rolled out gradually as they are ready and will first be offered to our early and pre-launch customers. If you move to B2BPro today, the feature will be included in your plan as a limited free usage tier when it launches, and you keep this right.
Does the assistant make the decision, or do I?
You always make the decision and the approval. The assistant only flags the risk, shows the late payment risk score with its reasons, and prepares the reminder and payment link draft. You choose which step to apply and whether or not to send the text.
Does the assistant send a message to the dealer or collect payment on its own?
No. The assistant sends no message on its own and makes no money movement. It only prepares a draft; sending depends on your approval. The B2BPro bank integration also listens read-only and performs no transaction on your accounts.
How accurate is the late payment risk score?
The score is a forecast based on the dealer's past payment behavior with you; it is decision support, not a guarantee. A dealer flagged as high risk will not necessarily pay late, and a low risk one will not necessarily be on time. You see the reasons behind the score and make the decision together with your own knowledge.
Is my data safe, is it used to train models?
Your data belongs to you and is not used to train models shared with other companies. The Collections Assistant is being developed with data processing in line with the principles of Law No. 6698 (KVKK). The assistant works only on the current account and collections data in your own B2BPro account, under your supervision.
Can I change the reminder text the assistant prepares?
Yes. The draft comes to you before it is sent; you can correct the amount, date, or tone, add or remove a sentence, and check the payment link. If you approve it, it is sent; if you drop it, nothing happens. Control over the text is entirely yours.