BILLZO: AN EVIDENCE DRIVEN RECEIVABLES RECOVERY AND PAYMENT RECONCILIATION PLATFORM FOR INDIAN SMALL AND MEDIUM SIZED ENTERPRISES

Small and medium sized enterprises often experience delays in collecting outstanding receivables, increasing administrative effort and reducing cash flow visibility.BillZo presents a multi tenant platform that connects receivables management, recovery automation, communication events, and payment reconciliation within a unified workflow for Indian small and medium sized enterprises.The system maintains financial records in PostgreSQL as the authoritative source of receivable and payment state.Recovery decisions are generated through a deterministic evidence based decision layer that considers invoice, customer, communication, promise, and payment information before recommending an action.An authority and execution layer provides controlled mutation, tenant isolation, and duplicate resistant action processing.WhatsApp events are first stored in a durable webhook inbox and subsequently processed by background workers using retry, backoff, and dead letter mechanisms.Verified payment information is reconciled with invoice balances, allowing recovery actions to continue or stop according to updated financial state.The resulting architecture provides a traceable workflow from outstanding receivable to recovery action, customer response, payment, and reconciliation.