Operations · Finance · MODULE W
AR Collections & Dunning
Recover 40% more of your overdue invoices — without becoming the bad guy
Module W runs a graduated dunning ladder: soft reminder at day 1-7, firmer at day 8-15, formal at 16-30, formal demand at 31-45, pre-legal warning at 46-60. Every message human-approved with a 30-second cancel window. Compliant with BNM Code of Ethics and Malaysian PDPA section 21.
+40%
Avg recovery on 31-60 day AR
BNM-compliant
Code of Ethics for licensed collectors
30s
Human cancel window before send
WHAT THIS FIXES
The exact problems AR Collections & Dunning is built around.
- Your AR ages quietly. 31-60 day buckets balloon. You don't notice until cash flow tightens.
- Manually chasing invoices takes 6-8 hours a week of someone's time — and that person hates it.
- External collectors are expensive (25-40% of recovered amount) and torch your customer relationship.
- Threats that aren't legally true (e.g. "we'll report you to BNM") expose you to liability.
HOW IT WORKS
The pipeline, end to end.
- 1
Invoices synced
Pull invoices from SQL Account / AutoCount / Xero / QuickBooks / Million via Module E1 connectors. Status: paid, partial, overdue.
- 2
Aging buckets computed
For each overdue invoice: days since due. Bucket 1-7, 8-15, 16-30, 31-45, 46-60, 61+ days.
- 3
Ladder fires
Day 1-7: soft reminder · 8-15: firm reminder · 16-30: formal notice · 31-45: formal demand · 46-60: pre-legal warning · 61+: handover to legal (human-only).
- 4
Multi-channel send
WhatsApp first (highest read rate), email parallel, voice (Module V) for high-value or stuck cases. Every send gates through 30-second cancel.
- 5
Audit + escalation
Every send logged to audit table with hash-chain. Escalation to your finance lead with full case summary when 31+ days hit.
WHAT'S INCLUDED
Every capability shipped, named.
- Graduated ladder: soft · firm · formal · formal demand · pre-legal · handover
- Multi-channel: WhatsApp · email · voice · SMS
- BNM Code of Ethics + PDPA section 21 compliance
- 30-second human cancel window on every send
- Customisable language per tier (BM/EN/Mandarin)
- Auto-pause on partial payment
- Auto-stop on customer-claimed dispute
- Hash-chained audit log of every action
- Integrates with Module E1 e-invoice for line-level reconciliation
- Per-debtor escalation history visible at a click
PRICING
Plans that scale with use, not seats.
All prices in MYR, exclusive of SST. 14-day refund on monthly, pro-rated refund on annual. PDPA-aligned. Cancel anytime.
WHAT YOU RECEIVE
The artefacts that land in your hands.
Daily AR dashboard
Bucket distribution chart (1-7 / 8-15 / 16-30 / 31-45 / 46-60 / 61+ days) + recovery trend + per-debtor list.
Audit-ready trail
Every send recorded with timestamp, channel, content hash, approving user. Exportable as PDF for BNM review or internal compliance.
Telegram escalation
When a debtor hits day 30, your finance lead gets a Telegram message with debtor history + outstanding amount + next-action recommendation.
FREQUENTLY ASKED
The questions buyers ask first.
Is this legal in Malaysia?
Yes — Module W is built to operate within BNM Code of Ethics for licensed collectors AND PDPA section 21 (no contacting third parties about a debt). We never threaten action we cannot take (e.g. no false "credit reporting" claims). Full compliance brief on /trust/pdpa.Will my customers feel harassed?
No — the ladder is graduated. Day 1 is a polite "just a heads-up your invoice is due". Tone escalates only when there's no response, and never crosses into defamation or threats. Customers can pause communications at any time.What about the 30-second cancel window?
Every outbound message gates through a 30-second window where your finance lead can hit cancel. Mandate 2.4 — humans decide, machines execute. The window applies to every send, every channel.What happens at 61+ days?
Module W stops auto-sending. Hands off to your finance lead with a full case packet (history, communications, partial payments). Decision to escalate to legal counsel or external collector is yours.PDPA section 21 — contacting third parties?
Module W never contacts a third party (relative, banker, employer) about a debt. We only communicate with the named debtor on the invoice.Can it handle multi-entity (group company) AR?
Yes — Enterprise tier. Each entity gets its own aging buckets and ladder. Cross-entity debtor recognition optional.
Try AR Collections & Dunning on your real business.
14-day trial. No credit card. PDPA-aligned. Built for Malaysian SMEs by a Malaysian team in KL. Reginald and ONSET team reply within one business hour, Mon–Fri 9am–6pm MYT.
- PDPA-aligned
- Cancel anytime
- 14-day refund
- 1 business hour reply
SEE OTHER AI EMPLOYEES
The other 24 modules in the platform.
Each AI Employee is independently usable, but they compose. Run a demo and we'll show you which combination fits your business.