Finance

The finance pages follow what resellers owe and pay (cahier §4.7): invoices generated from orders, payments recorded by HOCO or declared by resellers with a proof, partial payments allocated across invoices, basic credit control, and the V1 credit notes (avoirs) issued by returns and after-sales resolutions (FIN-08).

Financial data is strictly limited (cahier §4.7, ACL-04). Every page needs finance.view. With the default seed, only the finance manager, the super admin and direction (read-only) hold it. Amounts are TTC, as invoiced.

ID	Screen	Section	Template	Release	Design	Build
BO-44	Invoices	Finance	template	V1	Day 18	DSH-07
BO-45	Payments & declarations	Finance	template	V1	Day 18	DSH-07
BO-46	Credit accounts	Finance	template	V1	Day 18	DSH-07
BO-47	Overdue & reminders	Finance	template	V2	DES-30	DSH-20
BO-48	Accounting exports	Finance	template	V2	DES-30	DSH-20

BO-44 — InvoicesCopy Anchor Link

Purpose. List invoices with their status and balance, open their legal PDF, cancel an unpaid invoice, and see the credit notes issued for returns and after-sales.

Who uses it. Finance manager. Direction reads it.

Entry points. Finance › Factures, the finance cards of BO-04 and BO-08, BO-39 Documents, BO-11 Finance.

Layout.

• Tabs (view): « Toutes », « Impayées » (UNPAID), « Partiellement payées », « En retard » (OVERDUE), « Payées », « Annulées », and « Avoirs » (credit notes).

• Filters: q (number, store name), status, reseller, from / to (issue date), dueFrom / dueTo, overdue=true, wilaya, delegate, paymentMethod.
• « Avoirs » tab: N° avoir, Date, Revendeur, Origine (RET-… or TKT-…), Facture d'origine, Montant TTC, Imputé (applied to invoices), PDF.
• Invoice drawer:
  • Legal header (HOCO's NIF, NIS, RC, AI; the reseller's identifiers).
  • Lines with HT, VAT and TTC; totals.
  • Allocations: payments and credit notes, with date and amount.
  • History.
  • Buttons: « Télécharger le PDF », « Enregistrer un paiement » (opens BO-45 prefilled), « Annuler la facture ».

Data.

• admin.invoices.list and admin.invoices.get.
• admin.invoices.cancel.
• The PDF comes from files.downloadUrl (GENERATED_DOCUMENT).
• Credit notes: listed through admin.invoices.list with type=CREDIT_NOTE. Assumption — the contract has no credit-note list yet; see contract notes.

Actions.

• « Annuler la facture » (finance.validate): « Annuler la facture FAC-2026-000123 ? Elle restera dans l'historique avec le statut Annulée. »
  • A reason is required. Audited STATUS_CHANGE; the reseller is notified.
  • Refused (409) when payments or credit notes are allocated: they must be unallocated first.
• « Exporter »: XLSX / CSV.

Rules.

• When invoices are created: from the order at the status set in billing settings (BO-64). They show HT, VAT and TTC per line and in total (PRC-04).
• Overdue: OVERDUE is set by the daily job when the due date passes with a balance.
• Credit notes: a credit note from a return is applied to the original invoice's balance first; any remainder stays as a credit on the reseller's account. Assumption — confirm the imputation rule.
• Corrections: an invoice is never edited. A correction is a credit note (return or after-sales) or a cancellation of an unpaid invoice.

Real-time. None. The list refreshes on focus.

States. First use: « Les factures apparaîtront après les premières commandes facturées ». A missing PDF (generation failed) shows « Document non généré — Régénérer » (link to BO-39 Documents).

Acceptance criteria.

• Each invoice PDF shows the legal mentions and the HT, VAT and TTC totals matching the order.
• A partially paid invoice shows Payé, Reste à payer and the status Partiellement payée.
• A return reception in BO-69 adds a credit note in « Avoirs » and lowers the original invoice's balance.
• An invoice with an allocated payment cannot be cancelled.

BO-45 — Payments & declarationsCopy Anchor Link

Purpose.

• Record payments received: cash on delivery, transfer, CCP, BaridiMob.
• Verify the declarations resellers send with a proof (cahier §4.7).
• Allocate payments across invoices, including partial payments (FIN-04).

Who uses it. Finance manager.

Entry points. Finance › Paiements (badge = declarations to verify), BO-08, the invoice drawer, and the cash-on-delivery proof dialog of BO-42.

Layout.

• Tabs: « À vérifier » (PENDING_VERIFICATION, oldest first), « Confirmés », « Rejetés », « Tous ».

• Filters: status, method, reseller, from / to, unallocated=true, amountMin / amountMax.
• Drawer « Vérifier la déclaration »:
  • The proof viewer (image or PDF, zoom, rotate) next to the declared fields: amount, date, method, reference.
  • The reseller's open invoices.
  • A duplicate hint: « Une déclaration de 45 600,00 DA avec la même référence existe déjà (PAY-…) ».
• Drawer « Enregistrer un paiement »:
  • Revendeur (required).
  • Mode: the enabled methods (required).
  • Montant (DA, above 0).
  • Date de réception: not in the future.
  • Référence.
  • Justificatif (optional).
  • Affectation: « Automatique (plus anciennes d'abord) » or « Manuelle », a grid of open invoices with an amount per invoice.

Data. admin.payments.list, admin.payments.record, admin.payments.verify, admin.payments.allocate, admin.invoices.list (open invoices), files.downloadUrl.

Actions.

None of these is optimistic.

Rules.

• Allocation limits: total allocation ≤ payment amount, and per invoice ≤ its balance. An unallocated remainder stays as a credit balance on the reseller's account.
• Effect of confirmation: confirmed payments update invoice statuses (PARTIALLY_PAID / PAID) and the available credit.
• Duplicate check: same reseller, amount and reference within 30 days shows a warning before confirming.
• Receipts (FIN-08): a receipt PDF is generated when a payment is confirmed. Assumption — generation and URL to add to the contract.

Real-time. None in the admin stream. The « À vérifier » tab polls every 60 s while visible.

States.

• Empty « À vérifier »: « Aucune déclaration à vérifier » (success tone).
• Unreadable proof: « Justificatif illisible », with a rejection shortcut.

Acceptance criteria.

• A declaration sent from the reseller app appears in « À vérifier » with its proof (cahier §4.7, FIN-03).
• Confirming a 30 000 DA payment on a 45 600 DA invoice sets it to Partiellement payée with 15 600 DA remaining.
• Rejecting requires a reason from the list. The reseller sees it.
• Allocating more than the payment amount is refused.

BO-46 — Credit accountsCopy Anchor Link

Purpose. Basic credit control in V1 (cahier §4.7 « Plafond de crédit, crédit disponible, échéances et blocage »): set each reseller's ceiling, see used and available credit, and block credit use. Detailed terms and automatic policies are V2 (FIN-06).

Who uses it. Finance manager.

Entry points. Finance › Crédit revendeurs, the Crédit utilisé card (?usage=90), BO-11 Finance, and the BO-39 credit control.

Layout.

• Filters: usage (≥ 80 / 90 / 100 %), blocked, overdue=true, wilaya, delegate, customerType.
• Drawer:
  • Exposure breakdown: unpaid invoices paid on credit; confirmed orders on credit not yet invoiced.
  • Limit history (CreditLimitChange: before, after, user, reason).
  • Actions « Modifier le plafond », « Bloquer le crédit » / « Débloquer ».

Data.

• admin.credit.get and admin.credit.update.
• List: missing operation. Assumption — a GET /admin/credit-accounts (finance.view) is needed (see contract notes).

Actions.

• « Modifier le plafond » (finance.administer, re-authentication): « Passer le plafond de Boutique Nour de 200 000,00 DA à 350 000,00 DA ? ». A reason is required. Audited UPDATE with a CreditLimitChange row.
• « Bloquer le crédit »: « Bloquer le crédit de Boutique Nour ? Le paiement à crédit ne sera plus proposé ; les autres modes restent disponibles. ». A reason is required. Audited.

Rules.

• Checkout: the credit check uses used and limit (FIN-05).
• Over the limit: a checkout above the limit is either refused or accepted as an order flagged for decision, according to the setting credit.overLimitPolicy (BLOCK / REQUIRE_VALIDATION) (cahier §4.7 « Le dépassement du plafond peut bloquer la commande ou exiger une validation »). With REQUIRE_VALIDATION, the order waits in BO-41 with a blocking credit control.
• Order already confirmed: raising the limit does not re-confirm anything. Every order still needs its explicit confirmation.

Real-time. None.

States. No credit account: « Aucun revendeur n'a de crédit » with « Définir un plafond » (from BO-11).

Acceptance criteria.

• Raising a limit records the change with its reason and makes the BO-39 credit control pass on the next read.
• Blocking removes « Crédit » from the reseller's checkout payment methods.
• The Utilisé value equals the exposure shown in the drawer's breakdown.

BO-47 — Overdue & remindersCopy Anchor Link

Purpose. An overdue board with automatic reminders and unpaid alerts (cahier §4.7 « Relances automatiques et alertes d'impayé »), plus the detailed credit policy: payment terms, due dates, automatic blocking or approval.

Who uses it. Finance manager.

Layout (outline).

• Aging buckets.
• Overdue invoices with the reminder history (PaymentReminder: channel, date, template).
• « Relancer maintenant ».
• A reminder-policy editor: J+3 SMS, J+10 call task, J+30 credit block.

Data. admin.finance.overdue, admin.credit.update (terms).

Acceptance criteria (draft).

• Each overdue invoice shows every reminder sent, with its channel and date.
• A manual reminder is logged and notifies the reseller.

BO-48 — Accounting exportsCopy Anchor Link

Purpose. Produce accounting exports (sales journal, payments, credit notes) in the format of HOCO's accounting system or ERP (cahier §4.7, §11).

Layout (outline).

• A form with period, journal type and format (CSV layout per accounting software).
• The history of exports with status and download.

Data. admin.finance.export, then the export centre jobs (BO-60).

Acceptance criteria (draft).

• An export over a month balances with BO-44 totals for that month.
• Each export is audited EXPORT.