Finance
Collections & receivables
Know what each customer owes you and when it is due, send a payment request with your bank account, and let Ataam remind your customers on the days you choose — for every construction sector: supply, manufacturing, contracting, subcontracting, labour, transport and equipment rental.
Complete plan · statements also on Financial
- Receivables built from your deals
- Payment requests with your IBAN and a secure link
- Reminders that respect promises and disputes
All your receivables in one ledger
Receivables come straight from your deals on Ataam — nothing to re-enter: amount, paid, outstanding, due date, days overdue, aging bucket and status.
Sales orders
After delivery or the e-invoice (or on acceptance with advance terms), minus the payments you confirmed, due by the payment terms.
Claims and retention
Approved progress claims with their due date, and the retention of a completed contract after the release period you set.
Labour and transport
Approved labour timesheets, and delivered transport jobs with the payment term you choose.
Manual and ERP invoices
Add an invoice from your own system or pick an open sales invoice from your connected ERP, for a registered customer or one outside Ataam.
From payment request to confirmed receipt
Payment request
Pick the customer’s receivables and a payment date; they receive the amount, your bank account (IBAN) and, if you like, the statement.
The customer answers
«Transferred» with the reference or receipt, a «Promise to pay» with a date, or a «Dispute» with a reason — from their dashboard or a secure link.
You confirm receipt
Confirm the money arrived: it is recorded as a payment on the sales order or labour engagement, or collected on the receivable, and the request closes.
Automatic reminders
A schedule you choose (e.g. 3 days before, on the due date, then 7, 15 and 30 days after) that pauses on a dispute or before a promised date.
Customers outside Ataam
Your customer does not need to be on Ataam.
Import from Excel
Add customers by hand or from an Excel template with the name, mobile or e-mail and language.
Secure payment link
A «Payment request» page without login, for one request only, that expires and that you can revoke, with a verification code above an amount you set.
E-mail and SMS
Requests and reminders go by e-mail, and by SMS when an SMS provider is configured, at reasonable hours (9 AM – 9 PM KSA).
Unsubscribe
The customer can stop the messages from the link at any time, and you are told.
Invitation to join
If the customer registers through the link, their requests move into their «Payment requests» inbox and count as your Invite & Earn referral.
Collections dashboard
KPIs
Total receivables, overdue, collected this month, days sales outstanding (DSO), promises due today and disputes.
Aging
Current, 1–30, 31–60, 61–90 and 90+ days, with your top debtors.
Collectors
Assign each receivable to an accountant or sales member, log calls and notes, and follow each collector’s results.
Statement of account
Opening balance, invoices, payments and closing balance per customer, with PDF / Excel export and sharing.
Ataam does not move money
Customers pay by direct bank transfer to your account; Ataam records the request, the answer and the confirmation, and sends the reminders. Your customers answer payment requests for free on every plan.
Frequently asked questions
Does the payment go through Ataam?
No. In company deals your customer transfers the receivable straight to your bank account, and Ataam does not hold it; Ataam only records the request and the confirmation.
Which plan includes Collections?
Full collections (the receivables ledger, payment requests, automatic reminders, promises and disputes, collectors, external customers and the dashboard) is part of the Complete plan. Customer statements are on the Financial and Complete plans. Answering payment requests is free for every company.
How does Ataam know what I am owed?
From your deals on the platform: delivered or invoiced sales orders, approved progress claims, retention of completed contracts, approved labour timesheets and delivered transport jobs — minus the payments you confirmed. You can also add manual or ERP invoices.
Does the customer need an Ataam account?
No. Add an external customer with a mobile or e-mail; they get a secure payment link for one request and can answer with a transfer, a promise or a dispute without an account.
When are automatic reminders sent?
On the schedule you choose in the settings; they stay off until you turn them on. A customer with an open dispute or a promise that is not due yet is not reminded, and messages to external customers go out between 9 AM and 9 PM KSA time.
Do you send SMS?
Always by e-mail, and by SMS only when an SMS provider is configured on the platform; you see the status of every message.
Does it work with my ERP?
Yes. With a connected ERP the sales invoice status and outstanding amount show next to the receivable, with a warning when they differ, and you can import open sales invoices from it.
Get started on Ataam
Register your company for free, or talk to our team about any question.