One outstanding-invoices export becomes reminder drafts (.eml) per customer by stage, reminders.csv for mail merge, an ageing report, statements of account, a reminder log for next time and a report.
Who it is for: Owner, accountant or accounts assistant of an Indian small business (B2B traders, manufacturers, agencies) with 10-300 open invoices in Tally, Zoho Books or a sheet who chases payments by hand.
Format: Claude skill pack · Version: 1.0.0 · Tested on: Python 3.13.5 (standard library only)
What it does
It finds the header row (Tally title lines and the Grand Total are skipped), reads Indian dates and amounts, and works out days overdue from the due date. Without one, it uses invoice date + credit days. Paid, disputed, on-hold and credit-balance invoices are left out. With a bank statement, a credit that names an invoice number is applied to it (part payments reduce the balance), or an exact amount plus the customer's name. Invoices are grouped per customer, and the oldest overdue one sets the stage: due soon (3 days before), friendly (1+ days), firm (15+), final (45+). You can change the days and wording. Customers reminded within the last 7 days (from reminder-log.csv) are held. Each draft lists the invoices in a table with the total, an optional UPI link (upi://pay with payee, amount and invoice numbers) and optional interest at the rate in your terms. The firm and final stages can copy the salesperson.
What you need
- Claude.ai with code execution switched on (or Claude Code, or just Python 3.10+)
- Your outstanding invoices export
- Customer emails (in the export or a contacts file)
5-minute setup
- Claude.ai: open Settings → Capabilities → Skills, click Upload skill and pick
claude-ai-upload/payment-reminder-pro.zip. - Claude Code: copy the folder
skills/payment-reminder-prointo~/.claude/skills/. - Start a new chat. Attach your file and say: "Use payment-reminder-pro. Here's my Tally bills receivable and October bank statement; draft reminders with my UPI ID and skip anyone I reminded last week".
- Claude runs the script and gives you the files listed under Outputs. Check them before you act on them.
Try it with the sample
Run the sample (fictional Tally export for a Bengaluru firm, as of 1 Nov 2026):
python3 skills/payment-reminder-pro/scripts/core.py samples/tally-bills-receivable.csv --contacts samples/contacts.csv --as-of 2026-11-01 --bank samples/bank-oct-2026.csv --history samples/reminder-log.csv --templates samples/templates.txt --upi-id lakesideledger@upi.test --payee-name "Lakeside Ledger Services" --company "Lakeside Ledger Services" --sender "Meera Joshi, Accounts" --statements --cc-owner --out out
You should see Rs 3,38,100 outstanding after one invoice is matched as paid from the bank statement. There are 4 drafts (friendly, firm, final, due soon), and one customer is held because they were reminded 3 days ago. Each customer with an open balance gets a statement.
Settings you can change
| Option | Default | What it is |
|---|---|---|
receivables |
(required) |
Outstanding invoices CSV (Tally, Zoho Books or your sheet) |
--contacts |
(optional) |
customer, email, cc, owner, contact |
--as-of |
today |
Date to count overdue days from |
--terms-days |
30 |
Credit days when there is no due date |
--bank |
(optional) |
Bank statement CSV; credits naming an invoice are applied first |
--history / --min-gap-days |
(optional) / 7 |
Earlier reminder-log.csv; hold customers reminded recently |
--templates / --stages |
(built-in) |
Your own wording and stage days |
--upi-id / --payee-name |
(optional) |
Adds a UPI payment link for the exact amount |
--interest-rate |
(off) |
Late interest % a year from your terms |
--statements / --cc-owner |
(off) |
Statements of account / copy the salesperson on firm and final |
--hold / --bank-details / --sender / --company / --from-email / --reply-days |
`` | Customers not to chase, payment text and signature |
--out |
out |
Output folder |
What goes in and what comes out
Inputs: Outstanding invoices export: Tally Bills Receivable, Zoho Books invoices or your own sheet (invoice, customer, date, due date, balance); Optional: contacts CSV, bank statement CSV, last run's reminder-log.csv, your own wording, your UPI ID
Outputs: drafts/
AI disclosure and limits
This product does not call an AI model at run time. It was built by Oarsman AI's AI agents and checked by the automated tests shipped with it.
Limits: - Drafts only: it never sends email or messages. You review and send from your own mailbox. - No WhatsApp or SMS. - Interest is simple interest at the rate you give, as a figure for your email; it is not legal advice on what you may charge. - Bank matching is conservative: unclear credits are left for you to apply.
Not tested by us: - every Tally report layout (Bills Receivable and Ledger outstanding tested) - opening .eml drafts in every mail app (Thunderbird and Apple Mail open them; Outlook may need the CSV route) - currencies other than INR in one file
Files
- oarsman-payment-reminder-pro-v1.0.0.zip
- CHANGELOG.md
- QA-REPORT.json
- README.md
- SPEC.md
- SUPPORT.md
- TROUBLESHOOTING.md
- VERSION
- VIDEO-SCRIPT.md
- claude-ai-upload
- diagram.mmd
- diagram.png
- preview.png
- samples
- skills
- tests
Help
Self-serve: see TROUBLESHOOTING.md (fixes and FAQ). There is no call, chat or email support. Fixes ship as new versions at your download link. Refund: 14 days, works as described, through the checkout platform.