Zetu

Standing

A balance is a number. Standing tells you what it means.

Given everything we know — the policy, the age, the arrangement, the dispute, the exception — what is the current state of this financial relationship, and how should it be treated today?

Grace.Arrangements.Disputes.Exceptions.

Book a demoSee entitlements
  • Configurable standing states and names
  • Grace periods per obligation type
  • Standing derived from obligations, settlements and agreements
  • Arrangement-aware: a kept plan is not delinquency
  • Dispute-aware: contested charges stop escalating
  • Management exceptions, attributed and time-boxed

Part of one system

Members & accountsObligationsBillingPaymentsReconciliationCollectionsCommunicationsMember portalStandingEntitlementsReporting. See how they fit

Standing policyDefault policy · configured per organization

  1. Good standingGOOD_STANDING

    Nothing due, or everything due is paid.

  2. DueDUE

    An obligation has come due and is not yet settled.

  3. GraceGRACE

    Past the date, inside the window the policy allows.

  4. OverdueOVERDUE

    Past grace. Enters the collections worklist.

  5. RestrictedRESTRICTED

    Some entitlements withdrawn; the account still works.

  6. SuspendedSUSPENDED

    Access withdrawn until the balance or an arrangement lands.

And the states that stop the escalation

  • ArrangementARRANGEMENT

    An approved installment plan. Owes money, escalation stops while it is kept.

  • DisputedDISPUTED

    The obligation itself is contested. Chasing it is the wrong action.

  • WaivedWAIVED

    Written off or forgiven by someone with the authority to do it, on the record.

Nothing here is hard-coded. The names, the windows and what each state withdraws are yours.

Standing is not `balance > 0`.

Four members of the same association each owe exactly $10,000. A system that reports on balances sees one row repeated four times. An organization that treats them the same way will chase a member who is inside her grace period, chase a member who is keeping the plan you agreed with him, chase a member with a legitimate open dispute, and give the same gentle first reminder to a member who has ignored you for four months.

Three of those four are mistakes, and they are not small ones — in a membership organization, dunning someone who does not owe you an apology is how you lose them at renewal.

Four members. The same balance. Four different right answers.

Member A

Good standing

Owes $10,000

Owes $100 due four days ago. The policy allows fourteen days of grace. Nothing is wrong yet.

No action. Do not contact.

Member B

Arrangement

Owes $10,000

Owes $100 against an approved four-installment plan and has kept both installments so far.

Automatic installment notice. No collector time.

Member C

Disputed

Owes $10,000

Owes $100 for an event fee they say they canceled in writing before the deadline.

Route to whoever can resolve it. Do not chase.

Member D

Delinquent

Owes $10,000

Owes $100, 120 days past due, three unanswered contacts, no arrangement, no dispute.

Assign to a collector. Escalation is on the table.

What feeds it

Standing is derived, not typed in.

Nobody sets an account to 'delinquent'. It becomes delinquent because of facts the system already holds — which means it cannot silently drift out of date, and it cannot be quietly overridden without a trace.

  • Obligations

    What is due, what is overdue, and how far past due each one is — per obligation, not blended.

  • Settlements

    What has genuinely been allocated against them, including partial and third-party payments.

  • Agreements

    Approved arrangements, promises to pay, and whether they are being kept.

  • Exceptions

    Disputes, waivers, holds and management decisions — each attributed to a person.

Because standing is derived, a payment that reconciles at 09:00 changes the account's standing at 09:00 — and removes it from a collector's queue without anyone remembering to.

Policy

Your policy, not ours.

Zetu ships a sensible default and expects you to replace it.

A country club, a school and an internet provider have genuinely different views on what fourteen days overdue means. The club may restrict a restaurant account. The school will not stop a child sitting an exam. The ISP will throttle the line and restore it within minutes of payment.

Standing states, their names, the thresholds between them and what each one withdraws are configured per organization — and where an organization runs several distinct operations, per business unit within it.

What Zetu insists on is that the policy be written down, applied consistently, and overridable only by someone whose name goes on the override.

Capabilities

What is in standing

  • Configurable standing states and names
  • Grace periods per obligation type
  • Standing derived from obligations, settlements and agreements
  • Arrangement-aware: a kept plan is not delinquency
  • Dispute-aware: contested charges stop escalating
  • Management exceptions, attributed and time-boxed
  • Per-business-unit policy inside one organization
  • Automatic transitions where the rule is mechanical
  • Human approval where the transition is a judgment
  • Standing history, so you can see how it got here
  • Standing as a filter across every list and report
  • Standing changes drive entitlements without extra wiring

Questions

Standing, in practice

Is standing just a label on top of the balance?

No — that is the distinction the page is about. Standing is derived from the balance together with the policy, the age of each obligation, any arrangement or dispute, and any exception granted by someone with authority. Two accounts with an identical balance routinely land in different standings, and an account with a balance of zero can still be restricted if a policy says so.

Who decides what the standings are?

You do. The names, the thresholds, the grace windows and what each state means operationally are configuration, not code. An association's 'suspended' and an ISP's 'suspended' do very different things, and neither should have to adopt the other's vocabulary.

Can someone be in good standing while owing money?

Frequently, and treating that as an anomaly is the mistake. Inside a grace period, on an approved plan they are keeping, with a legitimate dispute open, or under an exception granted by the committee — all of these are accounts that owe money and are being handled correctly. A system that equates 'balance above zero' with 'delinquent' will make your organization look either negligent or aggressive, depending on which way it errs.

Does standing change automatically?

Transitions that follow mechanically from the policy — due date passing, grace expiring, an arrangement installment being missed — happen on their own. Transitions that are judgments, such as granting an exception, approving an arrangement or writing something off, require a person, and the record says who and when.

Keep reading

Bring us one messy month.

Bring one month of obligations and one month of payments. We will show you what reconciles, what does not, and what that is costing you.

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