> ## Documentation Index
> Fetch the complete documentation index at: https://docs.arya.so/llms.txt
> Use this file to discover all available pages before exploring further.
# Payment schedule (scadenzario)
> Customer and supplier deadlines, partial payments, automatic reminders.
The **payment schedule** (*scadenzario*) is the ledger of all payment deadlines — active (customers owing you) and passive (suppliers you owe). Arya populates it automatically from issued and received invoices.
## How it populates
Every invoice, on issuance, generates one or more schedule items based on **payment terms**:
E.g. "Bank transfer 30 days from invoice" → 1 deadline at day 30 for the full amount.
E.g. "30% deposit, 70% at 60 days" → 2 deadlines (30% at invoice date, 70% at day 60).
Arya generates the deadline and can issue CBI RIBA flow for bank submission.
Deadline already paid at issuance (if transaction confirmed).
## Deadline statuses
| Status | Meaning |
| -------------- | -------------------------------- |
| Open | To be collected/paid |
| Partially paid | Some payment but not complete |
| Paid | Closed |
| Overdue | Past due date, unpaid |
| Disputed | In dispute — reminders paused |
| Reversed | Cancelled (by total credit note) |
## Views
List of all deadlines with filters: customer/supplier, date range, status, amount.
Monthly view with deadlines on days. Colours by status.
Grouped by account — instantly see who has the highest DSO.
Week-by-week in/out projection. Useful for liquidity forecasting.
## Record manual payment
Click a row in the payment schedule.
**⋯ → Record payment**. Fill:
* Date
* Amount (total or partial)
* Bank account (if from bank) or cash
* Notes
Arya creates the journal entry and updates the deadline status.
## Automatic payment via bank reconciliation
With [bank integration](/en/finance/bank-and-reconciliation), many payments are auto-registered on movement arrival. The schedule updates without manual action.
## Reminders
**Settings → Finance → Reminders** → create email templates for:
* Reminder (3 days before deadline)
* 1st follow-up (7 days past)
* 2nd follow-up (30 days past)
* Formal notice letter (60 days past)
For each level, enable automatic sending. Arya sends from your emails with signature and reply-to.
The deadline shows when each reminder was sent. You can pause for strategic customers.
## RIBA / SEPA flows
For automated RID collections:
Filter payment method = RIBA / SDD → select multiple.
**Actions → Generate RIBA flow**. Arya creates SEPA Direct Debit XML.
Upload file to bank portal. On actual disposition, update deadline status.
## DSO (Days Sales Outstanding)
Arya computes **average DSO** per customer and aggregate:
```
DSO = (Average open deadlines / Average monthly revenue) × 30
```
High DSO indicates slow customers. Use these metrics to:
* Negotiate tighter payment terms
* Apply contractual late penalties
* Identify credit risks
## Frequently asked questions
Yes, within audit limits. Date or amount changes are logged.
Arya records the foreign amount and the EUR conversion at daily rate. Exchange differences at actual collection are recorded as financial charges/income.
Yes, for extra-accounting schedules (e.g. credit lines, loans). Goes to "Other deadlines".