Accounts Cockpit
Fuel loyalty card system · reporting
Billed in range
$9.33M
invoices raised
Collected
$7.88M
+4.2% vs prior period
Rejected
$749,972
-2.8% vs prior period
Reject rate
8.7%
of attempted value
Collection rate
84.6%
collected ÷ billed
Comes back on retry
$344,987
expected, no CS work
Result pending
$232,491
sent, no bank reply
Collected vs rejected, by result date
Read the red band first — that is money we asked for and did not get.
Reject rate by result date
A spike on one day is usually one bank, not the whole book.
By payment gateway / bank
Reject rate matters more than volume here.
By collection cycle
Cycle 1 carries most of the book, so watch its rejects closely.
Why payments failed — and how much of it will come back on its own
Only the amber and red tiles need a person. The first two clear by themselves.
Retry 1
$329,988
auto, next cycle
Retry 2
$142,495
auto, +7 days
Manual fix
$187,493
CS must call
Unrecoverable
$89,997
to AR SOP
| Code | Reason | Cases | Amount | Share | Comes back? | Route |
|---|---|---|---|---|---|---|
| A01 | Insufficient funds | 303 | $284,989 | 38% | Usually | Retry 1 |
| A03 | Account closed | 72 | $67,497 | 9% | No | Manual |
| A05 | Mandate not active | 112 | $104,996 | 14% | After fix | Manual |
| A07 | Payer stopped mandate | 56 | $52,498 | 7% | No | Manual |
| A08 | Bank technical reject | 96 | $89,997 | 12% | Yes | Retry 1 |
| A11 | Wrong account number | 48 | $44,998 | 6% | After fix | Manual |
| A14 | Limit exceeded | 64 | $59,998 | 8% | Usually | Retry 2 |
| A99 | Other / unmapped | 48 | $44,998 | 6% | Unknown | Review |
| Total | 799 | $749,971 | 100% |
Last 4 weeks at a glance
Week ending dates, so partial weeks never flatter the trend.
| Week | Collected | Rejected | Reject rate | Accounts |
|---|---|---|---|---|
| W/e 12/8 | $1,109,868 | $106,370 | 8.7% | 1,465 |
| W/e 19/8 | $1,269,550 | $104,497 | 7.6% | 762 |
| W/e 26/8 | $1,288,247 | $120,628 | 8.6% | 1,275 |
| W/e 2/9 | $1,332,958 | $141,445 | 9.6% | 851 |
Month to date vs the same days of the past 3 months
Same number of days each side — this is a fair comparison, not a full-month one.
GIRO pipeline — sent to bank, result not yet received
Anything older than 3 working days should be queried with the bank.
| Cycle | Bank | Instructions | Amount | Sent on | Result due | Age (days) |
|---|---|---|---|---|---|---|
| Cycle 1 (7th) | DBS | 239 | $560,690 | 24 Aug 2026 | 1 Sep 2026 | 4 |
| Cycle 1 (7th) | OCBC | 314 | $295,929 | 21 Aug 2026 | 3 Sep 2026 | 2 |
| Cycle 1 (7th) | UOB | 285 | $692,185 | 8 Aug 2026 | 3 Sep 2026 | 4 |
| Cycle 2 (15th) | DBS | 364 | $269,377 | 23 Aug 2026 | 2 Sep 2026 | 5 |
| Cycle 2 (15th) | OCBC | 125 | $693,865 | 25 Aug 2026 | 2 Sep 2026 | 4 |
| Cycle 2 (15th) | UOB | 395 | $554,530 | 6 Aug 2026 | 2 Sep 2026 | 5 |
| Cycle 3 (25th) | DBS | 280 | $464,510 | 13 Aug 2026 | 2 Sep 2026 | 2 |
| Cycle 3 (25th) | OCBC | 291 | $544,647 | 17 Aug 2026 | 2 Sep 2026 | 1 |
| Cycle 3 (25th) | UOB | 460 | $645,936 | 9 Aug 2026 | 2 Sep 2026 | 3 |
| Total | 2,753 | $4,721,669 |
Settlement summary — gateway statement format
Net is what hits the bank account; fees and refunds are already deducted.
| Value date | Txns | Gross | Fees | Refunds | Net |
|---|---|---|---|---|---|
| 24 Aug | 271 | $156,605 | $532 | $1,143 | $154,930 |
| 25 Aug | 103 | $235,524 | $801 | $2,353 | $232,370 |
| 26 Aug | 217 | $250,368 | $851 | $1,215 | $248,302 |
| 27 Aug | 106 | $249,856 | $850 | $2,110 | $246,896 |
| 28 Aug | 259 | $241,347 | $821 | $943 | $239,583 |
| 29 Aug | 154 | $138,878 | $472 | $153 | $138,253 |
| 30 Aug | 289 | $258,062 | $877 | $2,460 | $254,725 |
| 31 Aug | 303 | $158,936 | $540 | $274 | $158,122 |
| 1 Sep | 316 | $120,828 | $411 | $748 | $119,669 |
| 2 Sep | 306 | $150,921 | $513 | $916 | $149,492 |
| Total | 2,324 | $1,961,325 | $6,668 | $12,315 | $1,942,342 |
Response code detail
The raw code the bank returned, mapped to the action we take.
| Code | Description | Bank | Cases | Amount | Action |
|---|---|---|---|---|---|
| A01 | Insufficient funds | OCBC | 303 | $284,989 | Retry 1 |
| A03 | Account closed | Citi | 72 | $67,497 | Manual |
| A05 | Mandate not active | OCBC | 112 | $104,996 | Manual |
| A07 | Payer stopped mandate | Maybank | 56 | $52,498 | Manual |
| A08 | Bank technical reject | DBS | 96 | $89,997 | Retry 1 |
| A11 | Wrong account number | DBS | 48 | $44,998 | Manual |
| A14 | Limit exceeded | UOB | 64 | $59,998 | Retry 2 |
| A99 | Other / unmapped | Maybank | 48 | $44,998 | Review |
Daily AR collection audit
The two checks
If both are clean, no further reconciliation work is needed for that day.
Check 1 — billed against collected
13 of 14 days cleanEvery invoice raised yesterday must appear in one of: collected, rejected, or still open.
29 Aug shows $640 collected with no matching invoice line — sent back to AR.
Check 2 — ERP against gateway statement
12 of 14 days cleanThe ERP receipt total for the day must equal the gateway net settlement for the same value date.
Two days differ by more than $500; both are unposted CDC receipts, not missing money.
What each payment type contributed
GIRO and CDC should carry the book; cash at station should stay small.
Daily audit sheet
Red rows are the days where the ERP and the statement disagree.
| Date | Accounts | Billed | Collected | ERP posted | Variance | Check |
|---|---|---|---|---|---|---|
| 20 Aug | 285 | $230,779 | $211,130 | $211,130 | $0 | Clean |
| 21 Aug | 381 | $166,480 | $141,404 | $141,404 | $0 | Clean |
| 22 Aug | 343 | $128,676 | $121,058 | $121,352 | $294 | Investigate |
| 23 Aug | 281 | $225,393 | $194,294 | $194,294 | $0 | Clean |
| 24 Aug | 207 | $313,126 | $257,183 | $257,183 | $0 | Clean |
| 25 Aug | 247 | $125,118 | $109,393 | $109,393 | $0 | Clean |
| 26 Aug | 213 | $143,441 | $119,178 | $119,178 | $0 | Clean |
| 27 Aug | 429 | $276,657 | $241,281 | $240,939 | $-342 | Investigate |
| 28 Aug | 204 | $315,698 | $291,964 | $291,964 | $0 | Clean |
| 29 Aug | 353 | $282,294 | $248,901 | $248,901 | $0 | Clean |
| 30 Aug | 434 | $150,149 | $133,527 | $133,527 | $0 | Clean |
| 31 Aug | 264 | $221,979 | $194,676 | $194,676 | $0 | Clean |
| 1 Sep | 402 | $197,575 | $188,087 | $187,810 | $-277 | Investigate |
| 2 Sep | 250 | $295,221 | $252,147 | $252,147 | $0 | Clean |
| Total | $3,072,586 | $2,704,223 | $2,703,898 | $-325 |
Billed against collected, by day
The gap between the two lines is the day's cash shortfall.