Read AR Aging
The AR Aging panel on the Dashboard’s Finance tab shows how long outstanding receivables have been waiting for payment. It groups every unpaid entity into one of eight aging buckets, from “Today” (just created or recently transitioned) to “180+ days” (severely overdue). The panel gives you a clear, colour-coded view of where your collection risk is concentrated.
Who can do this: Finance Managers, CFOs, and Account Owners.
The 8 aging buckets
AR Aging uses an 8-tier severity scale. Each tier has a distinct colour that darkens as the receivable ages, creating an immediate visual signal of urgency.
| Bucket | Age range | Colour | Severity index |
|---|---|---|---|
| Today | 0 days | Green | 0 (lowest) |
| 7 days | 1-7 days | Light green | 1 |
| 30 days | 8-30 days | Amber | 2 |
| 60 days | 31-60 days | Orange | 3 |
| 90 days | 61-90 days | Deep orange | 4 |
| 120 days | 91-120 days | Red | 5 |
| 180 days | 121-180 days | Dark red | 6 |
| 180+ days | Over 180 days | Crimson | 7 (highest) |
The severity index drives visual prioritisation throughout BayWise Payments. Higher-severity items appear first in sorted lists, use warmer colours in badges, and trigger more urgent verdicts.
How the aging anchor works
The age of a receivable is calculated from an aging anchor date — the reference date that determines which bucket the entity falls into.
Priority 1: Last stage transition (updated_at)
The system prefers the entity’s last-modified timestamp, which captures the most recent lifecycle-stage transition. This means an estimate that sat unapproved for 20 days but was invoiced today shows as “Today” (0 days), not “30 days”.
This design reflects the reality that the collection clock starts ticking when the invoice is issued, not when the estimate was created.
Priority 2: Creation date
If the last-modified timestamp is not available, the system falls back to the creation date.
Priority 3: Today
If neither timestamp is available (unusual edge case), the entity is treated as fresh and placed in the “Today” bucket.
The aging anchor logic is consistent across the entire product. The Collection Queue, Dashboard AR panel, Ledger tab, and AgingBadge component all use the same computation. An entity shows the same aging bucket everywhere.
Reading the AR Aging panel
The panel has three visual sections:
Bucket cards
Four tappable cards across the top, each showing:
- Bucket label (e.g., “Current”, “30-60”, “60-90”, “90+”)
- Total amount outstanding in that bucket, formatted in your location currency
- Percentage of total AR that this bucket represents
Click any bucket to drill down and see the individual entities within it.
Proportion bar
A horizontal stacked bar below the bucket cards. Each segment’s width represents the bucket’s share of total AR. The colour matches the bucket’s severity colour. This gives you an instant visual of where your AR is concentrated — a long crimson segment, for example, signals a significant portion of receivables over 180 days old.
Footer metrics
Four key metrics at the bottom of the panel:
| Metric | What it measures |
|---|---|
| 90+ days % | Percentage of total AR that is over 90 days old. A high number signals collection problems. |
| Net realization rate | Percentage of invoiced amounts that have actually been collected. Shows collection effectiveness. |
| Current DSO | Days Sales Outstanding — the average number of days it takes to collect a receivable. Lower is better. |
| DSO trend | Whether DSO is rising (worse), falling (better), or flat. Shown with a directional arrow. |
The DSO trend uses colour coding: a downward trend (improving) shows in green, an upward trend (worsening) shows in red, and a flat trend shows in grey.
Drill-down into a bucket
Click a bucket card
Select any of the four bucket cards to open a drill-down panel.
Review the summary
The drill-down opens with a summary showing the bucket’s total value and its percentage of overall AR.
View individual entities
If entity-level drill-down data is available, you see a list of individual entities in that bucket. Each row shows the entity name, outstanding amount, and additional context.
Take action
From the drill-down, you can navigate to the Collection Queue filtered to entities in that bucket, where you can take collection actions.
Insurer vs customer AR
BayWise Payments differentiates between customer AR (amounts owed by vehicle owners) and insurer AR (amounts owed by insurance companies). The AR Aging panel aggregates both types. To see insurer-specific AR:
- The Insurer Risk Summary panel on the Finance tab breaks out AR by individual insurer
- Each insurer row shows their outstanding AR, realization rate, and risk indicators
- Drill into an insurer to see their entities in the Collection Queue
This separation is important because insurer AR typically follows different collection patterns than customer AR. At Al Futtaim Auto Dubai, for example, insurer payments may take 60-90 days as standard practice, while customer payments are expected within 7-30 days.
Common questions
Why did an entity jump from “30 days” to “Today”? The entity’s lifecycle stage was advanced (for example, from Approved to Invoiced). The aging anchor resets to the stage-transition date, moving the entity back to “Today”. This is by design — the collection clock restarts when a meaningful stage change occurs.
Can I customise the aging bucket thresholds? No. The 8-tier structure (0, 7, 30, 60, 90, 120, 180, 180+) is fixed to ensure consistency across all views. The thresholds are chosen to match common accounting practices.
What does it mean if DSO trend shows “Building”? The DSO trend requires historical data points to compute a direction. In the early days of using BayWise Payments, there is not enough data to determine a trend. The “Building” label indicates that the system is accumulating data and will show a trend once sufficient history exists.
Do voided transactions affect AR aging? No. Voided transactions are excluded from all AR calculations. Only active transactions reduce the outstanding balance that determines which aging bucket an entity belongs to.
How do credit-term business sales appear in AR aging? Credit-term business sales create AR entries that age just like vehicle receivables. They appear in the appropriate bucket based on their credit term due date and are included in the total AR figures.
Related pages
- Understanding the Dashboard — full dashboard overview
- Use the Collection Queue — acting on overdue receivables
- Track Payment Link Conversion — payment link effectiveness
- Close the Day — locking daily transaction data