Order-to-cash with credit check and dunning
End-to-end O2C collaboration: a purchase order from the customer is validated, credit-checked (with a credit-hold review), confirmed, picked, shipped and invoiced, then cash is applied — or a 30/60/90-day dunning cycle escalates to collections. Three lanes, seven message flows to the customer. Illustrative payment terms.
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<?xml version="1.0" encoding="UTF-8"?>
<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" id="Process_OrderToCash_defs" targetNamespace="http://flowss.ai/bpmn">
<bpmn:message id="Msg_PurchaseOrder" name="Purchase order"/>
<bpmn:process id="Process_OrderToCash" name="Order to cash" isExecutable="false">
<bpmn:documentation>Order-to-cash (O2C) from purchase order to cleared invoice. The credit check is a business-rule task (exposure plus order value against the credit limit); a blocked order goes to a credit controller who releases or cancels it. Payment is awaited under a 30-day interrupting timer. Each time it expires the dunning level is checked: below three, another dunning notice is sent and the wait restarts; once three notices have gone unanswered the debt is referred to collections. Net-30 terms and the three-notice cycle are illustrative policy values.</bpmn:documentation>
<bpmn:laneSet id="Process_OrderToCash_lanes">
<bpmn:lane id="Lane_Sales" name="Sales operations"><bpmn:flowNodeRef>Start_PO</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_EnterOrder</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Acknowledge</bpmn:flowNodeRef></bpmn:lane>
<bpmn:lane id="Lane_Credit" name="Credit and collections"><bpmn:flowNodeRef>Task_CreditCheck</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Credit</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_ReviewHold</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Release</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_NotifyCancel</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Cancelled</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_CreditMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Invoice</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_DunMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_AwaitPay</bpmn:flowNodeRef><bpmn:flowNodeRef>Timer_Overdue</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_ApplyCash</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Paid</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_NoticeLimit</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Collections</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Collections</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Dunning</bpmn:flowNodeRef></bpmn:lane>
<bpmn:lane id="Lane_Warehouse" name="Warehouse and logistics"><bpmn:flowNodeRef>Task_Pick</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Ship</bpmn:flowNodeRef></bpmn:lane>
</bpmn:laneSet>
<bpmn:startEvent id="Start_PO" name="Purchase order received"><bpmn:messageEventDefinition id="Start_PO_ed" messageRef="Msg_PurchaseOrder"/></bpmn:startEvent>
<bpmn:userTask id="Task_EnterOrder" name="Validate sales order"/>
<bpmn:businessRuleTask id="Task_CreditCheck" name="Check credit exposure"/>
<bpmn:exclusiveGateway id="Gw_Credit" name="Credit approved?" default="Flow_4"/>
<bpmn:userTask id="Task_ReviewHold" name="Review blocked order"/>
<bpmn:exclusiveGateway id="Gw_Release" name="Release order?" default="Flow_8"/>
<bpmn:sendTask id="Task_NotifyCancel" name="Notify customer of cancellation"/>
<bpmn:endEvent id="End_Cancelled" name="Order cancelled"/>
<bpmn:exclusiveGateway id="Gw_CreditMerge"/>
<bpmn:sendTask id="Task_Acknowledge" name="Send order confirmation"/>
<bpmn:userTask id="Task_Pick" name="Pick and pack order"/>
<bpmn:serviceTask id="Task_Ship" name="Post goods issue and ship"/>
<bpmn:serviceTask id="Task_Invoice" name="Create and send invoice"/>
<bpmn:exclusiveGateway id="Gw_DunMerge"/>
<bpmn:receiveTask id="Task_AwaitPay" name="Await customer payment"/>
<bpmn:boundaryEvent id="Timer_Overdue" name="No payment in 30 days" attachedToRef="Task_AwaitPay"><bpmn:timerEventDefinition id="Timer_Overdue_ed"><bpmn:timeDuration xsi:type="bpmn:tFormalExpression">P30D</bpmn:timeDuration></bpmn:timerEventDefinition></bpmn:boundaryEvent>
<bpmn:serviceTask id="Task_ApplyCash" name="Apply cash and clear invoice"/>
<bpmn:endEvent id="End_Paid" name="Invoice paid"/>
<bpmn:exclusiveGateway id="Gw_NoticeLimit" name="Three notices sent?" default="Flow_20"/>
<bpmn:userTask id="Task_Collections" name="Refer debt to collections"/>
<bpmn:endEvent id="End_Collections" name="Referred to collections"/>
<bpmn:sendTask id="Task_Dunning" name="Send dunning notice"/>
<bpmn:sequenceFlow id="Flow_1" sourceRef="Start_PO" targetRef="Task_EnterOrder"/>
<bpmn:sequenceFlow id="Flow_2" sourceRef="Task_EnterOrder" targetRef="Task_CreditCheck"/>
<bpmn:sequenceFlow id="Flow_3" sourceRef="Task_CreditCheck" targetRef="Gw_Credit"/>
<bpmn:sequenceFlow id="Flow_4" name="approved" sourceRef="Gw_Credit" targetRef="Gw_CreditMerge"/>
<bpmn:sequenceFlow id="Flow_5" name="blocked" sourceRef="Gw_Credit" targetRef="Task_ReviewHold"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=creditDecision = "block"</bpmn:conditionExpression></bpmn:sequenceFlow>
<bpmn:sequenceFlow id="Flow_6" sourceRef="Task_ReviewHold" targetRef="Gw_Release"/>
<bpmn:sequenceFlow id="Flow_7" name="release" sourceRef="Gw_Release" targetRef="Gw_CreditMerge"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=releaseOrder</bpmn:conditionExpression></bpmn:sequenceFlow>
<bpmn:sequenceFlow id="Flow_8" name="cancel" sourceRef="Gw_Release" targetRef="Task_NotifyCancel"/>
<bpmn:sequenceFlow id="Flow_9" sourceRef="Task_NotifyCancel" targetRef="End_Cancelled"/>
<bpmn:sequenceFlow id="Flow_10" sourceRef="Gw_CreditMerge" targetRef="Task_Acknowledge"/>
<bpmn:sequenceFlow id="Flow_11" sourceRef="Task_Acknowledge" targetRef="Task_Pick"/>
<bpmn:sequenceFlow id="Flow_12" sourceRef="Task_Pick" targetRef="Task_Ship"/>
<bpmn:sequenceFlow id="Flow_13" sourceRef="Task_Ship" targetRef="Task_Invoice"/>
<bpmn:sequenceFlow id="Flow_14" sourceRef="Task_Invoice" targetRef="Gw_DunMerge"/>
<bpmn:sequenceFlow id="Flow_15" sourceRef="Gw_DunMerge" targetRef="Task_AwaitPay"/>
<bpmn:sequenceFlow id="Flow_16" sourceRef="Task_AwaitPay" targetRef="Task_ApplyCash"/>
<bpmn:sequenceFlow id="Flow_17" sourceRef="Task_ApplyCash" targetRef="End_Paid"/>
<bpmn:sequenceFlow id="Flow_18" sourceRef="Timer_Overdue" targetRef="Gw_NoticeLimit"/>
<bpmn:sequenceFlow id="Flow_19" name="yes" sourceRef="Gw_NoticeLimit" targetRef="Task_Collections"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=dunningLevel >= 3</bpmn:conditionExpression></bpmn:sequenceFlow>
<bpmn:sequenceFlow id="Flow_20" name="no" sourceRef="Gw_NoticeLimit" targetRef="Task_Dunning"/>
<bpmn:sequenceFlow id="Flow_21" sourceRef="Task_Dunning" targetRef="Gw_DunMerge"/>
<bpmn:sequenceFlow id="Flow_22" sourceRef="Task_Collections" targetRef="End_Collections"/>
</bpmn:process>
<bpmn:collaboration id="Process_OrderToCash_collab">
<bpmn:participant id="Process_OrderToCash_pool" name="Seller — order to cash" processRef="Process_OrderToCash"/>
<bpmn:participant id="Participant_Customer" name="Customer"/>
<bpmn:messageFlow id="MsgFlow_PO" name="Purchase order" sourceRef="Participant_Customer" targetRef="Start_PO"/>
<bpmn:messageFlow id="MsgFlow_Ack" name="Order confirmation" sourceRef="Task_Acknowledge" targetRef="Participant_Customer"/>
<bpmn:messageFlow id="MsgFlow_Cancel" name="Cancellation notice" sourceRef="Task_NotifyCancel" targetRef="Participant_Customer"/>
<bpmn:messageFlow id="MsgFlow_Ship" name="Shipment and delivery note" sourceRef="Task_Ship" targetRef="Participant_Customer"/>
<bpmn:messageFlow id="MsgFlow_Invoice" name="Invoice" sourceRef="Task_Invoice" targetRef="Participant_Customer"/>
<bpmn:messageFlow id="MsgFlow_Payment" name="Payment" sourceRef="Participant_Customer" targetRef="Task_AwaitPay"/>
<bpmn:messageFlow id="MsgFlow_Dunning" name="Dunning notice" sourceRef="Task_Dunning" targetRef="Participant_Customer"/>
</bpmn:collaboration>
<bpmndi:BPMNDiagram id="Process_OrderToCash_di">
<bpmndi:BPMNPlane id="Process_OrderToCash_plane" bpmnElement="Process_OrderToCash_collab">
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<bpmndi:BPMNShape id="Lane_Sales_di" bpmnElement="Lane_Sales" isHorizontal="true"><dc:Bounds x="190" y="200" width="2568" height="150"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Lane_Credit_di" bpmnElement="Lane_Credit" isHorizontal="true"><dc:Bounds x="190" y="350" width="2568" height="400"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Lane_Warehouse_di" bpmnElement="Lane_Warehouse" isHorizontal="true"><dc:Bounds x="190" y="750" width="2568" height="150"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Participant_Customer_di" bpmnElement="Participant_Customer" isHorizontal="true"><dc:Bounds x="160" y="60" width="2598" height="60"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Start_PO_di" bpmnElement="Start_PO"><dc:Bounds x="262" y="257" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="241" y="298" width="78" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_EnterOrder_di" bpmnElement="Task_EnterOrder"><dc:Bounds x="380" y="235" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_CreditCheck_di" bpmnElement="Task_CreditCheck"><dc:Bounds x="530" y="385" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Gw_Credit_di" bpmnElement="Gw_Credit" isMarkerVisible="true"><dc:Bounds x="705" y="400" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="687" y="381" width="87" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_ReviewHold_di" bpmnElement="Task_ReviewHold"><dc:Bounds x="830" y="505" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Gw_Release_di" bpmnElement="Gw_Release" isMarkerVisible="true"><dc:Bounds x="1005" y="520" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="991" y="575" width="78" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_NotifyCancel_di" bpmnElement="Task_NotifyCancel"><dc:Bounds x="1130" y="505" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="End_Cancelled_di" bpmnElement="End_Cancelled"><dc:Bounds x="1312" y="527" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="1290" y="568" width="80" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Gw_CreditMerge_di" bpmnElement="Gw_CreditMerge" isMarkerVisible="true"><dc:Bounds x="1305" y="400" width="50" height="50"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_Acknowledge_di" bpmnElement="Task_Acknowledge"><dc:Bounds x="1430" y="235" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_Pick_di" bpmnElement="Task_Pick"><dc:Bounds x="1580" y="785" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_Ship_di" bpmnElement="Task_Ship"><dc:Bounds x="1730" y="785" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_Invoice_di" bpmnElement="Task_Invoice"><dc:Bounds x="1880" y="385" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Gw_DunMerge_di" bpmnElement="Gw_DunMerge" isMarkerVisible="true"><dc:Bounds x="2055" y="400" width="50" height="50"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_AwaitPay_di" bpmnElement="Task_AwaitPay"><dc:Bounds x="2180" y="385" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Timer_Overdue_di" bpmnElement="Timer_Overdue"><dc:Bounds x="2192" y="447" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="2224" y="481" width="89" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_ApplyCash_di" bpmnElement="Task_ApplyCash"><dc:Bounds x="2480" y="385" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="End_Paid_di" bpmnElement="End_Paid"><dc:Bounds x="2662" y="407" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="2650" y="448" width="61" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Gw_NoticeLimit_di" bpmnElement="Gw_NoticeLimit" isMarkerVisible="true"><dc:Bounds x="2355" y="520" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="2388" y="490" width="69" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_Collections_di" bpmnElement="Task_Collections"><dc:Bounds x="2480" y="505" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="End_Collections_di" bpmnElement="End_Collections"><dc:Bounds x="2662" y="527" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="2651" y="568" width="58" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
<bpmndi:BPMNShape id="Task_Dunning_di" bpmnElement="Task_Dunning"><dc:Bounds x="2330" y="615" width="100" height="80"/></bpmndi:BPMNShape>
<bpmndi:BPMNEdge id="Flow_1_di" bpmnElement="Flow_1"><di:waypoint x="298" y="275"/><di:waypoint x="380" y="275"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_2_di" bpmnElement="Flow_2"><di:waypoint x="480" y="275"/><di:waypoint x="505" y="275"/><di:waypoint x="505" y="425"/><di:waypoint x="530" y="425"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_3_di" bpmnElement="Flow_3"><di:waypoint x="630" y="425"/><di:waypoint x="705" y="425"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_4_di" bpmnElement="Flow_4"><di:waypoint x="755" y="425"/><di:waypoint x="1305" y="425"/><bpmndi:BPMNLabel><dc:Bounds x="761" y="406" width="48" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_5_di" bpmnElement="Flow_5"><di:waypoint x="730" y="450"/><di:waypoint x="730" y="545"/><di:waypoint x="830" y="545"/><bpmndi:BPMNLabel><dc:Bounds x="736" y="453" width="40" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_6_di" bpmnElement="Flow_6"><di:waypoint x="930" y="545"/><di:waypoint x="1005" y="545"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_7_di" bpmnElement="Flow_7"><di:waypoint x="1030" y="520"/><di:waypoint x="1030" y="485"/><di:waypoint x="1330" y="485"/><di:waypoint x="1330" y="450"/><bpmndi:BPMNLabel><dc:Bounds x="1036" y="501" width="39" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_8_di" bpmnElement="Flow_8"><di:waypoint x="1055" y="545"/><di:waypoint x="1130" y="545"/><bpmndi:BPMNLabel><dc:Bounds x="1061" y="526" width="34" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_9_di" bpmnElement="Flow_9"><di:waypoint x="1230" y="545"/><di:waypoint x="1312" y="545"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_10_di" bpmnElement="Flow_10"><di:waypoint x="1330" y="400"/><di:waypoint x="1330" y="275"/><di:waypoint x="1430" y="275"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_11_di" bpmnElement="Flow_11"><di:waypoint x="1530" y="275"/><di:waypoint x="1555" y="275"/><di:waypoint x="1555" y="825"/><di:waypoint x="1580" y="825"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_12_di" bpmnElement="Flow_12"><di:waypoint x="1680" y="825"/><di:waypoint x="1730" y="825"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_13_di" bpmnElement="Flow_13"><di:waypoint x="1830" y="825"/><di:waypoint x="1855" y="825"/><di:waypoint x="1855" y="425"/><di:waypoint x="1880" y="425"/></bpmndi:BPMNEdge>
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<bpmndi:BPMNEdge id="Flow_15_di" bpmnElement="Flow_15"><di:waypoint x="2105" y="425"/><di:waypoint x="2180" y="425"/></bpmndi:BPMNEdge>
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<bpmndi:BPMNEdge id="Flow_17_di" bpmnElement="Flow_17"><di:waypoint x="2580" y="425"/><di:waypoint x="2662" y="425"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_18_di" bpmnElement="Flow_18"><di:waypoint x="2210" y="483"/><di:waypoint x="2210" y="545"/><di:waypoint x="2355" y="545"/></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_19_di" bpmnElement="Flow_19"><di:waypoint x="2405" y="545"/><di:waypoint x="2480" y="545"/><bpmndi:BPMNLabel><dc:Bounds x="2411" y="526" width="20" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_20_di" bpmnElement="Flow_20"><di:waypoint x="2380" y="570"/><di:waypoint x="2380" y="615"/><bpmndi:BPMNLabel><dc:Bounds x="2386" y="573" width="15" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="Flow_21_di" bpmnElement="Flow_21"><di:waypoint x="2330" y="655"/><di:waypoint x="2080" y="655"/><di:waypoint x="2080" y="450"/></bpmndi:BPMNEdge>
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<bpmndi:BPMNEdge id="MsgFlow_PO_di" bpmnElement="MsgFlow_PO"><di:waypoint x="280" y="120"/><di:waypoint x="280" y="257"/><bpmndi:BPMNLabel><dc:Bounds x="286" y="153" width="78" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
<bpmndi:BPMNEdge id="MsgFlow_Ack_di" bpmnElement="MsgFlow_Ack"><di:waypoint x="1480" y="235"/><di:waypoint x="1480" y="120"/><bpmndi:BPMNLabel><dc:Bounds x="1486" y="146" width="62" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
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</bpmndi:BPMNPlane>
</bpmndi:BPMNDiagram>
</bpmn:definitions>