Dual billing engines, rule-based pricing, automated bank reconciliation. Multi-currency, multi-rail, multi-region from day one. No manual overrides, no spreadsheet reconciliations, no payment-matching by hand at month-end.
Plans change mid-cycle. Customers upgrade on day 18. Loyalty discounts compound across periods. New contracts join in the middle of the month. Payments arrive via bank statement, terminal, mobile money, online card, and a regional payment network you've never heard of, in two currencies, against three plan types and a Smart Price Matrix that has to honour the start date of the original promotion.
Each of these is a small problem. The compound effect is what runs your finance team into the ground at month-end.
ISPCQ models all of it as one ledger. Every charge, credit, payment, and adjustment is a row tied to a contract. Proration is a calculation, not a decision. Payment matching is a rule, not a meeting. The supervisor dashboard reconciles per-cashbox at end-of-shift, not per-spreadsheet at end-of-quarter.
Every claim on this page is shipped today, used in production, billing real customers in real currencies under real regulators.
Two billing engines, rule-based pricing, automated reconciliation, six payment gateways. Configuration adapts; code stays the same.
Calendar billing runs on the 25th of each month, grouping all unbilled ledger entries per customer for the cycle that covers the 25th through the 24th. Payment runs to a grace day on the 5th of the following month. Periodic billing runs on each contract's anniversary date. Both share the same ledger, the same rules, the same currency engine.
Promotional rules with start and end dates, plan-group scoping, customer-segment targeting, and exclusion logic. The matrix is the source of truth for pricing; staff query it via Aelita ("what promos are running right now?") to confirm live rules.
Bank statements import nightly. The auto-matcher pairs payments to invoices by reference, amount, and date heuristics. Unmatched payments land in a pre-processing queue. Each exception comes with the probable matching invoice, the customer's contract status, and recent support interactions, so the finance clerk resolves in seconds, not in spreadsheets.
Different countries collect differently. ISPCQ supports the rails that actually work where you operate.
Direct Debit Orders follow a five-stage lifecycle. Generate the batch from current balances. Review individual records. Download in the bank's required CSV format. Mark as submitted. Assign payment results back from the bank's response file. Failed debits are imported via the DDO reject file and flagged for follow-up. Collections run on the 3rd and 15th.
Group multiple contracts under a single combined billing line: a customer with a fibre line, a CATV subscription, and a static IP add-on sees one invoice with one total. Each underlying contract retains its own status, network provisioning, and lifecycle, but billing is consolidated.
The supplier side mirrors the customer ledger. Supplier accounts hold vendor details with aggregated statement generation. Purchase transactions record outgoing payments. An Account Transactions view unifies all money movement (sale, purchase, refund, internal transfer, DDO) in one filterable stream.
Move account credit from one customer to another without a refund-and-recapture dance. Pick the source and destination by name or UCN, see a live before-and-after balance preview, and on transfer the receiving account is automatically re-checked so a suspended service can resume — every move written to a full audit trail.
Staff can hand a customer a multi-month prepayment offer that sits open in the payment gateway alongside the regular bill but does not activate or extend service until it's actually paid — so making the offer commits nobody. Pick a discount tier ("Pay 6, get 7", "Pay 10, get 12"), the fee computes itself from the contract's monthly rate, and the offer goes out clearly marked OPTIONAL so it can never be mistaken for the mandatory monthly bill.
Move a whole product line onto new tiers without touching contracts by hand. A migration rule permanently swaps each matched contract to its new product at the moment the bill is paid online — one rule can map many legacy plans to their replacements in a single matrix. It's commitment-aware: customers still locked into a 12- or 24-month term are skipped until their commitment ends, and you can drop the migrated contract onto month-to-month so nobody is silently re-committed.
The Smart Price Matrix rule editor is built so a pricing author can experiment without fear. Before a rule goes live, a match preview shows exactly how many active contracts it would touch and a sample to test against; a diff-before-save dialog spells out every field that changed and throws a red warning on high-risk edits; and a per-rule history drawer records who changed what, when. Promotion Analysis then reports the financial impact of live promotions — KPIs, monthly trends, product mix, and retention — over any date range.
The situation. Customer Maria is on a 50/25 Mbps plan at €29.90/month, billed on the 1st. On March 18th, she calls to upgrade to 100/50 Mbps at €39.90/month. She also has a "Loyalty Discount" of €5.00/month applied 8 months ago with no expiry.
What ISPCQ calculates. For March 1 to 17 (17 days), Maria owes the old rate: €29.90 × 17/31 = €16.40. For March 18 to 31 (14 days), she owes the new rate: €39.90 × 14/31 = €18.02. The loyalty discount applies proportionally to both periods. Her March invoice shows the old plan credit, the new plan charge, the discount breakdown, and the final amount. No manual adjustment needed.
What the support agent sees. A clear timeline showing the plan change date, the proration calculation, and the next full-month invoice date. If Maria calls to ask "why is my bill different this month?", the agent can explain every line item in 30 seconds. Aelita's Billing Analyst capability can also draft that explanation as a customer-facing email.
Cash sessions, multi-location reconciliation, four-role separation, full audit trail. Managed from a single supervisor view.
Every cashier opens a shift session with a starting float; in dual-currency mode, opening amounts are entered per currency with separate denomination tracking. Cash or EFT payments are recorded against customer invoices. At shift close, a cash-count form (by denomination, per currency) compares physical to expected balance. Variances flagged and linked to the cashier.
Every payment recorded with officer, method, invoice, and timestamp. Reversals require one of three reason codes (91 Return/Claim, 92 Operator Error, 93 Tax Base Reduction). 2FA supervisor approval. 7-day window from the original payment. Telegram notification on submission and approval. Automatic reversal chain: payment, bills, invoice all unwind together.
Petty cash handles small operational payouts directly from the drawer. Each withdrawal records the agent, amount, reason, and expected document type (Receipt, Invoice, or None). When the agent returns, the operator records the amount spent, cash returned, and attaches supporting documents. Document totals must match. Installment plans appear as cards per customer with plan progress, instalment count, and next-due payment selectable from a dropdown.
Supervisors and finance managers see an aggregated view across all cashbox locations in three display modes: Full, Minimal, or Table. Aggregated KPIs (Total In, Total Out, Net Balance, Cash In Open, Open Cashboxes, Transactions, and a consolidated Internal Transfers card breaking down Sent, Received, In Transit, and Reserved) refresh automatically with dual-currency breakdowns. Pending Approval Panels surface storno and credit-note requests awaiting 2FA approval. Drill into any cashbox session by date.
Four dedicated report views give finance complete visibility. All Transactions shows every cash movement across all locations. By Cashbox breaks down per physical register. By Officer tracks individual cashier performance. By Type segments into customer payments, petty cash, collections, receipts, refunds, salary payouts. Multi-select filters and date-range presets (Today, This Week, This Month).
Move physical cash from one cashbox to another under a controlled lifecycle. Request a collection against a named collector, destination cashbox, and amount — the system rejects amounts exceeding the drawer, per currency in dual-currency mode. A supervisor approves, the collector authorises pickup with a 2FA code from their authenticator, and the destination confirms receipt before the cash lands in its session. In-Transit and Reserved figures stay visible on the session header the whole way.
Reverse specific lines of an invoice when only part of it needs correcting. Select the lines — already-reversed lines are excluded — pick a reason (service not delivered, billing error, contract cancellation, quality complaint, or other), and submit for supervisor approval. On 2FA-gated approval a reversal invoice is created for the chosen lines, the originals are marked reversed, and the balance updates. Invoices carry a Fully Reversed or Partially Reversed badge so staff see at a glance whether more can still be credited.
Not every counter transaction belongs to a contract. Quick Sale lets a cashier ring up a walk-in retail purchase — a SIM card, an accessory, a one-off item — straight from the cashbox counter without opening or attaching a customer account. The sale still posts to the session ledger like any other cashbox transaction, so it reconciles at shift close and shows up in cashbox reports alongside everything else.
Aelita reads the same ledger your finance team reads. She drafts plain-language invoice explanations for customer-facing replies, detects pricing anomalies across cycles, verifies pro-rata calculations, and identifies SPM rule conflicts before they reach the customer.
The Billing Exception Radar continuously monitors for exceptions that need human attention: failed payment retries, expired payment methods, suspended accounts approaching grace-period limits, credit notes exceeding threshold amounts. Each exception comes with a recommended action and priority.