v0 — Initial Release
The initial release of BayWise Payments, providing end-to-end financial operations for automotive workshops.
Collection Queue
- Urgency-classified queue showing all entities with outstanding balances
- Cards sorted by urgency: overdue, due today, upcoming
- Quick access to the Financial Modal from any entity card
Financial Recording Modal
- Vehicle Tab — two-pane layout with entity summary and financial card (Collections, Expenses, Ledger sub-tabs)
- Business Tab — category-based recording for non-entity income and expenses with Expense and Sale sub-tabs
- Per-entity vehicle ledger with full transaction history and running balance
Insurance Split
- Automatic split of collections into customer excess and insurance portion
- Insurance portion recorded as credit with pending settlement
- Tracked separately in the ledger and AR aging
Payment Links
- Generate and send payment links to customers via configured processors
- Track link lifecycle: sent, clicked, paid
- Auto-settlement on successful payment
Day Close
- End-of-day cash count workflow with denomination entry
- Variance detection between expected and actual cash
- Carry-over of opening balance to the next business day
- Terminal operation — closed days cannot be reopened
Recurring Obligations
- Define recurring income and expense obligations with frequency, amount, and contact
- Alert notifications before due dates
- Optional auto-creation of draft transactions on due date
Transaction Voiding
- Void active transactions with mandatory reason selection
- Direction-specific void reason codes
- Full audit trail — voided transactions remain in the ledger
Settings
Six configuration panels:
| Panel | Coverage |
|---|---|
| Processors | Activate processors, set defaults, configure API keys and webhooks |
| Surcharging | Enable card surcharges with rate and disclosure configuration |
| Tax | Jurisdiction, tax groups, component breakdown, tax-exempt contacts |
| Recurring | Manage recurring obligation definitions |
| Preferences | Currency, default method, deposit policy, credit terms, receipt template |
| Baselines | Live date, target DSO, collection rate, cost of capital |
CFO Dashboard
22 panels across three tabs:
| Tab | Key Panels |
|---|---|
| Overview | Cash position, forward signals (7/14/30d), WIP exposure |
| Finance | DSO, same-day collection rate, collection rate, expense ratio, AR aging (7 buckets) |
| Operations | Payment link conversion funnel, cashflow calendar (Day/Week/Month) |
Cashflow Calendar
- Day, Week, and Month views showing inflow and outflow totals
- Visual breakdown by payment method and category
AI Intelligence Drawer
- AI-powered insights and recommendations accessible from the dashboard
- Capability-gated to Owner/Admin and Finance Manager roles
Related Pages
- Getting Started — setup guides for this release
- Reference — lookup tables for statuses, categories, and settings