Balance de la cuenta: pestaña Saldo y gestión de cuentas

La pestaña Saldo permite agregar y editar las cuentas de un proyecto en Onvio Estados Contables, mientras que la información organizada por tipos de cuenta facilita la consulta de activos, deudas, inversiones, préstamos y otros saldos. Para agregar una cuenta nueva, se introduce un número o una descripción de cuenta y se guarda la información.

En Onvio Estados Contables, abra el proyecto correspondiente y haga clic en la pestaña Saldo. Para agregar una cuenta nueva, haga clic en Agregar , ingrese un número de cuenta o una descripción de cuenta y, luego, haga clic en Guardar y cerrar . O bien, para seguir agregando cuentas, haga clic en Guardar y agregar nueva .

Agregar y editar cuentas en la pestaña Saldo

La pestaña Saldo sirve para mantener actualizados el número y la descripción de las cuentas del proyecto. Para editar el número o la descripción de una cuenta, marque la casilla de selección para esa cuenta y haga clic en Editar en la barra de herramientas. Actualice la información de la cuenta y haga clic en Guardar y cerrar .

La organización de las cuentas permite consultar sus saldos y movimientos de forma estructurada. Se registra el balance de las cuentas del libro mayor, se detallan los ingresos y egresos en pesos oro y pesos papel al 31 de octubre de 1891.

Vista general de las cuentas y del patrimonio neto

Copilot's Accounts tab is designed to give you a bird's eye view of all of your financial accounts, organized by account type. If an account is incorrectly typed in the Accounts tab or if you're having any issues with a connected account, please contact us via the in-app chat for support.

At the top of the Accounts tab you will see a graph detailing your Net Worth. You can change the timeframe of the chart and the change value for all listed accounts by tapping on the desired timeframe. In the iOS and iPad app, tap and hold on the chart to see data points for exact dates. In the Mac and Web app, hover over the chart to see data points for exact dates.

The gear icon within the Accounts tab (bottom right-hand corner in the iOS app, upper right-hand corner on the accounts graph in the Mac, iPad, and Web app) lets you customize the graph. These customizations include combining your assets and debt into one value and line, or splitting the assets and debts into two values and two separate lines.

You can also exclude select accounts from the Net Worth chart total. Excluding accounts here does not exclude them from the Account type totals below the chart.

Conexiones que requieren atención

Under the Net Worth chart is a section titled Connections Needing Attention. If a connection requires re-verification, you'll see the Institution's name and "stopped syncing data" below. You can tap the Reverify button to the left to re-enter your credentials and confirm permission to continue seeing updates.

If a connection has new accounts available to add, you'll see the Institution's name and "found new accounts" below. You can tap the Reverify button to the left to re-enter your credentials and to give sharing permission for additional accounts.

If you choose to tap the X option instead, the notification will be cleared and visible under manage > (in the iOS app) or view connections > (in the Mac and iPad app). You can also access connections management under Connections in the Settings section.

Connections that require re-verification will not update until reverified.

Tipos de cuentas y saldos

Tarjetas de crédito

The Credit Cards section of your Accounts tab contains all of your credit card accounts. At the top of this section you will always see a combined balance for all of your credit card accounts. These accounts count towards your Debt total in the Net Worth chart.

To the right of each account you can view the current balance of the account, and the credit utilization with a color coded indicator. Credit utilization at or below 33% will show a green dot next to the credit utilization number.

Cuentas de depósito

The Depository section of your Accounts tab contains all of your depository accounts. At the top of this section you will always see a combined balance for all of your depository accounts. These accounts count towards your Asset total in the Net Worth chart.

To the right of each account you will see the account’s balance as well as a percentage change in that account’s balance. This percentage change is linked to the time frame selected in the Net Worth graph at the top of this tab.

Inversiones

The Investments section of the Accounts tab contains all of your investment accounts. At the top of this section you will always see a combined balance for all of your investment accounts. These accounts count towards your Asset total in the Net Worth chart.

To the right of each account you will see the account’s balance as well as a percentage change in that account’s balance. This percentage change is linked to the time frame selected in the Net Worth graph at the top of this tab.

Préstamos

The Loans section of the Accounts tab contains all of your loan accounts. At the top of this section you will always see a combined balance for all of your loan accounts. These accounts count towards your Debt total in the Net Worth chart.

To the right of each account you will see the account’s balance as well as a percentage change in that account’s balance. This percentage change is linked to the time frame selected in the Net Worth graph at the top of this tab.

Otras cuentas

The Other section of the Accounts tab collects all of your accounts that don’t fit into the categories listed above. Copilot automatically creates a manual cash account after onboarding, and that account is visible in this section.

To the right of each account you will see the account’s balance as well as a percentage change in that account’s balance. This percentage change is linked to the time frame selected in the Net Worth graph at the top of this tab.

Gestión de cuentas por cobrar

Effective AR management is key to unlocking consistent cash flow. From automating invoices to smarter credit decisions, we'll cover what you need to know to boost your financial health.

Qué son las cuentas por cobrar

Accounts receivable is money customers owe your business for goods or services they've received but haven't paid for yet. This shows up as a current asset on your balance sheet because it's money you expect to get within a year.

Effectively managing accounts receivable is crucial as it impacts the cash available for your expenses and investments. Unlike accounts payable, which are the debts your business needs to pay, accounts receivable are the payments you expect from customers.

This key difference underscores how accounts receivable help manage incoming cash, unlike accounts payable which are about money going out.

Cuentas comerciales por cobrar

Trade receivables are the most common type of accounts receivable. These represent the money owed to your business by customers for goods or services delivered as part of your normal business operations.

Managing trade receivables efficiently is key to maintaining a healthy cash flow.

Otros tipos de cuentas por cobrar

Beyond trade receivables, other forms of accounts receivable exist, though they're less directly tied to your core sales. These can include things like tax refunds the government owes your company or employee loans.

While important to track, these "other" receivables are usually managed separately from trade receivables because they arise from different activities. For a clearer financial picture, it's helpful to categorize and track these separately.

All accounts receivable represent the total money owed to your business, encompassing both trade and non-trade related debts.

Componentes de la gestión de cuentas por cobrar

Facturación y reconocimiento de ingresos

The first step in managing accounts receivable is invoicing. When you send an invoice, you're formally requesting payment from a customer. The invoice shows the due amount and payment terms. Clear and efficient invoicing speeds up the payment process.

Revenue recognition is a rule that says you should record revenue when you deliver a product or service, not necessarily when you get paid. This method helps your financial statements accurately reflect your business’s performance over time.

Contabilidad de acumulación y contabilidad de caja

Understanding the difference between accrual and cash accounting is key for managing your accounts receivable. Under accrual accounting (the more common method), you record revenue when you invoice a customer, even if you haven't received payment yet.

Cash accounting, conversely, records revenue only when the money lands in your bank account. With accrual accounting, you recognize the revenue when you've earned it, regardless of when the cash arrives.

This gives you a more accurate snapshot of your business's financial performance. Cash accounting is simpler, but it can be misleading, especially for businesses with longer payment cycles.

Procesos de facturación y pago

Having a clear invoicing and payment process is crucial for healthy cash flow. Clear, efficient invoicing speeds up payment, reducing the time it takes to convert sales into cash. This results in fewer late payments and a healthier bottom line.

Proactive collection strategies, such as automated reminders and easy online payment options, help keep Days Sales Outstanding (DSO) low, improving your overall cash flow.

Gestión inteligente del crédito

Credit management is crucial for effective accounts receivable. It involves setting clear credit rules, such as specifying payment deadlines and applying interest on late payments.

If you assess the payment reliability of both new and existing customers, you significantly minimize the risk of unpaid invoices. It's important to regularly check customer credit to ensure ongoing healthy cash flow.

Evaluación de la solvencia

Before offering credit to customers, it’s essential to evaluate their creditworthiness. This helps minimize the risk of late payments or non-payment.

Consider using credit reports, financial statements, and references to understand a customer’s payment history and financial stability. For higher-risk customers, shorter payment terms might be necessary to reduce the chance of outstanding invoices.

Condiciones de pago

Payment terms are the deadlines and potential discounts you offer customers for paying invoices. Common terms include “Net 30,” meaning payment is due within 30 days of the invoice date.

Clearly defined payment terms on invoices, along with automated payment reminders, can encourage timely payments. Offering various payment options can also improve the customer experience and speed up payments.

Participación del área financiera

While sales teams focus on closing deals, involving your finance or accounting team in setting payment terms is crucial. They offer a valuable perspective on credit risk and can help establish terms that protect your business’s financial health.

Finance teams can use reporting tools to track key metrics like Days Sales Outstanding (DSO) and identify potential issues early on. This collaboration ensures a balanced approach that supports both sales growth and financial stability.

Seguimiento de saldos y movimientos

Regularly checking the accounts receivable ledger helps identify trends that might affect financial health. An aging schedule, which categorizes receivables by how long they've been outstanding, helps you prioritize collections and identify potential issues early.

Libro auxiliar de cuentas por cobrar

The accounts receivable subsidiary ledger is your go-to for managing outstanding invoices. This detailed record breaks down what each customer owes, giving you a clear view of individual accounts.

This subsidiary ledger works alongside the main accounts receivable account on your balance sheet, which shows the total amount owed. Having this detailed breakdown lets you quickly see who owes what and for how long.

This is essential for prioritizing collections and managing your cash flow effectively.

Calendario de vencimientos

Adding an aging schedule to your subsidiary ledger adds another layer of insight. This schedule sorts outstanding invoices by how overdue they are, helping you focus collection efforts where they're needed most.

Se registran distintos balances, detallando las cuentas, sus movimientos, y sus respectivos saldos (deudores y acreedores). Fechas: Febrero de 1899 - Octubre de 1899.

Proceso de cobro

A proactive collection strategy shortens the time between billing and payment. Effective methods include sending reminders before the due date and quick follow-ups if payments are late.

If accounts remain unpaid, you may need to make direct calls or hire collection agencies. Knowing when to write off bad debt is crucial for keeping your financial records accurate.

Estrategias de cobro preventivo

A proactive approach to collections can significantly reduce the time it takes to get paid. Start by sending friendly email reminders before an invoice due date.

A quick follow-up email or phone call is useful if a payment is late. This shows customers you’re on top of things.

For larger businesses, or for particularly tricky situations, consider working with a collections agency to recover outstanding debts. This frees up your internal team to focus on core business activities.

Departamento de cobranzas

For larger organizations with high transaction volumes, a dedicated collections department is a worthwhile investment. A team focused solely on managing outstanding invoices and following up on late payments ensures consistent and efficient collections.

This specialized team can also develop and refine proactive collection strategies, leading to lower Days Sales Outstanding (DSO) and improved cash flow. This team can also build stronger customer relationships by addressing payment issues promptly and professionally.

Aspectos legales y éticos

Following legal standards in debt collection is crucial to avoid breaking consumer rights laws. Ethical practices are also key as they help maintain customer relationships and your company’s reputation.

All collection activities should be transparent and respectful, preserving customer dignity.

Uso de tecnología en la gestión de saldos

Modern technology can significantly enhance accounts receivable management. Automated systems streamline invoicing, send timely payment reminders, track communications, and offer comprehensive receivables reporting.

Moreover, technology enables more flexible payment solutions for customers, such as online payments, credit card transactions, and direct bank transfers, facilitating faster payment processing and improving overall cash flow efficiency.

La pestaña Usage: uso, unidades gratuitas y crédito comprometido

La pestaña "Usage" le ofrece visibilidad en tiempo real de sus cargos por uso durante el mes, incluidas las unidades libres, el saldo actual y la información sobre el compromiso de crédito.

Acceso a la pestaña Usage

1. En la aplicación "Admin", seleccione Usage [1].
2. Haga clic en Current usage [2].

Si se encuentra en Talkdesk Classic, vaya a la sección “Admin”> pestaña “Billing” tab > Haga clic en “Check your Usage details link” (“Usage” card). Será redirigido a Talkdesk Workspace.

Información del uso y del saldo

La pestaña "Usage" detalla información sobre su uso y proporciona los siguientes datos: El card “Contact center services” [1] muestra el "Current balance" de la cuenta para los productos de servicios de contact center.

Haga clic en “Manage credits” [2] para adquirir créditos adicionales activando la recarga automática (solo pagos con tarjeta de crédito) o realizando un pago único. “Committed credit” [3] muestra el importe de los créditos recurrentes que se recargarán en la cuenta y la frecuencia de la recarga.

“Committed credit period” [4] indica la fecha de la última recarga y la fecha de la próxima recarga. “Usage per product” [5] enumera los productos utilizados. Tenga en cuenta que los productos solo aparecerán en la lista una vez que se hayan utilizado.

Descargue su rate card haciendo clic en Download usage pricing [6]. Si un producto tiene unidades gratuitas incluidas, la cantidad total de unidades gratuitas disponibles para la cuenta es visible en la columna "Free units" [7].

La barra disminuye con el uso de esas unidades gratuitas. En caso de que se apliquen unidades gratuitas a un producto, se utilizarán en primer lugar, seguidas de los créditos disponibles y, por último, se aplicarán y facturarán los cargos.

La pestaña se reinicia al principio de cada mes, una vez emitidas las facturas.

Interpretación del balance por producto

El balance per product [8] muestra la cantidad total de uso de ese producto. La etiqueta “Contact center services” tag [9] indica que ese producto está incluido en el saldo actual del card "Contact center services".

Un positive balance (mostrado en negro) [10] indica la cantidad de créditos aún disponibles para ese producto. Un saldo negativo (mostrado en rojo) [11] indica el importe que se facturará a principios del mes siguiente.

“Committed credit” [12] muestra la cantidad de crédito comprometida para ese producto concreto y la frecuencia con la que se recargará. “N/A” [13] indica que no hay compromiso de crédito disponible para ese producto específico.

“-” [14] indica que un compromiso está disponible, pero no se ha comprado. “Committed credit period” [15] muestra la fecha de la última recarga y la fecha de la próxima recarga.

La pestaña “Usage” solo mostrará los productos con uso de su cuenta. El almacenamiento del Talkdesk Screen Recording solo será visible en la pestaña "Usage" desde el día 28 hasta el final del mes.

Se facturará a la cuenta el día de mayor consumo entre el 28 y el 27 del mes anterior.

Balances contables y registros históricos

Los balances de las cuentas del libro mayor muestran los movimientos, los ingresos, los egresos y los saldos correspondientes a distintos períodos. La información puede incluir cuentas deudoras y acreedoras, balances generales, balances de comprobación, ganancias, pérdidas, activos, pasivos y cuentas corrientes.

Componentes del balance general

Se detalla el Activo Fijo, Activo Circulante, Activo Disponible, Activo Exigible, Activo Transitorio, Activo Nominal, Cuenta de Orden, Pasivo No Exigible, Pasivo Exigible, Pasivo Transitorio, Ganancias, Cuenta de Ganancias y Pérdidas, entre otras cuentas, y los saldos correspondientes.

Se adjunta una copia del Balance mencionado.

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