[{"data":1,"prerenderedAt":4462},["ShallowReactive",2],{"en-blog/accounts-payable-vs-accounts-receivable":3,"en-global-content":1880,"en-article-global-content":3159,"en-blog-article-more-articles-undefined":3420,"en-blog-article-more-articles-211500177412248":4457},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1868,"full_slug":1869,"sort_by_date":25,"position":1870,"tag_list":1871,"is_startpage":28,"parent_id":1872,"meta_data":25,"group_id":1873,"first_published_at":1874,"release_id":25,"lang":32,"path":25,"alternates":1875,"default_full_slug":1869,"translated_slugs":1876},"Accounts Payable vs Accounts Receivable: What's the Difference?","2026-08-21T15:16:25.492Z","2026-08-24T14:21:02.859Z","2026-08-24T14:21:02.881Z",211500177412248,"29877b0a-f54f-4706-8c16-76a1d1cb5286",{"_uid":11,"roles":12,"title":4,"author":59,"topics":60,"content":61,"noIndex":28,"category":1827,"language":1852,"component":1841,"heroMedia":1853,"sidebarCta":1854,"publishedAt":1855,"redirectUrl":59,"listingImage":1856,"metaDescription":1865,"bottomArticleCta":1866,"componentsAfterTheArticle":1867},"bd79045a-5cf8-49dc-99f0-b4cab47dcdaf",[13,42],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":23,"full_slug":24,"sort_by_date":25,"position":26,"tag_list":27,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":30,"first_published_at":31,"release_id":25,"lang":32,"path":25,"alternates":33,"default_full_slug":24,"translated_slugs":34,"_stopResolving":41},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:47:18.012Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":21,"name":14,"component":22},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","tag","finance-manager","blog/role/finance-manager",null,0,[],false,190903385,"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z","default",[],[35,37,39],{"path":24,"name":25,"lang":36,"published":25},"fr",{"path":24,"name":25,"lang":38,"published":25},"de",{"path":24,"name":25,"lang":40,"published":25},"es",true,{"name":43,"created_at":44,"published_at":16,"updated_at":45,"id":46,"uuid":47,"content":48,"slug":49,"full_slug":50,"sort_by_date":25,"position":26,"tag_list":51,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":52,"first_published_at":53,"release_id":25,"lang":32,"path":25,"alternates":54,"default_full_slug":50,"translated_slugs":55,"_stopResolving":41},"Financial Controller","2024-11-14T16:28:28.920Z","2026-03-12T10:48:03.955Z",579107717,"ef8ab7b7-f3c6-41c4-8363-45848989042c",{"_uid":21,"name":43,"component":22},"financial-controller","blog/role/financial-controller",[],"95642eaf-2539-4d06-bbba-8fc9ba64af2b","2024-11-14T16:29:42.813Z",[],[56,57,58],{"path":50,"name":25,"lang":36,"published":25},{"path":50,"name":25,"lang":38,"published":25},{"path":50,"name":25,"lang":40,"published":25},"",[],{"type":62,"attrs":63,"content":64},"doc",{"backgroundColor":25},[65,73,79,86,92,98,104,110,116,122,127,133,139,145,150,156,162,168,360,363,369,374,380,408,414,420,426,432,438,457,462,468,474,480,490,540,546,552,557,562,567,582,587,592,597,679,684,689,694,775,780,785,790,795,800,805,958,960,965,970,975,1137,1140,1146,1152,1158,1163,1169,1175,1227,1233,1238,1244,1249,1255,1261,1295,1301,1307,1322,1328,1334,1339,1345,1359,1365,1371,1377,1382,1388,1393,1399,1405,1411,1417,1423,1428,1434,1440,1446,1452,1457,1463,1477,1535,1541,1547,1552,1558,1564,1578,1583,1589,1594,1600,1606,1612,1642,1647,1653,1658,1664,1669,1675,1680,1683,1688,1694,1700,1706,1711,1717,1723,1728,1734,1740,1745,1751,1769,1775,1793,1798,1804,1810,1815,1821],{"type":66,"attrs":67,"content":69},"paragraph",{"textAlign":25,"key":68},"p-0",[70],{"text":71,"type":72},"Every business faces the same squeeze: cash goes out to suppliers before it comes back in from customers. That gap, which may last days or months, puts pressure on your working capital and liquidity.","text",{"type":66,"attrs":74,"content":76},{"textAlign":25,"key":75},"p-1",[77],{"text":78,"type":72},"Accounts payable (AP) is the money your business owes suppliers. Accounts receivable (AR) is the money customers owe you. Managing the timing between the two is the operational core of staying financially healthy.",{"type":80,"attrs":81,"content":83},"heading",{"level":82,"textAlign":25},2,[84],{"text":85,"type":72},"Accounts payable and accounts receivable: what's the difference?",{"type":66,"attrs":87,"content":89},{"textAlign":25,"key":88},"p-2",[90],{"text":91,"type":72},"Accounts payable and accounts receivable sit on opposite sides of every transaction and opposite sides of your balance sheet.",{"type":66,"attrs":93,"content":95},{"textAlign":25,"key":94},"p-3",[96],{"text":97,"type":72},"One tracks what you owe. The other tracks what you're owed. Get the direction of money flow right, and the rest of the comparison follows.",{"type":80,"attrs":99,"content":101},{"level":100,"textAlign":25},3,[102],{"text":103,"type":72},"What is accounts payable?",{"type":66,"attrs":105,"content":107},{"textAlign":25,"key":106},"p-4",[108],{"text":109,"type":72},"Accounts payable is a current liability. It's the money you owe suppliers for goods or services you've received but haven't yet paid for.",{"type":66,"attrs":111,"content":113},{"textAlign":25,"key":112},"p-5",[114],{"text":115,"type":72},"When a vendor ships you €10,000 of equipment on Net 30 terms, for example, you record the amount as accounts payable.",{"type":66,"attrs":117,"content":119},{"textAlign":25,"key":118},"p-6",[120],{"text":121,"type":72},"AP represents the outflow side of your operations and sits under current liabilities because the business expects to settle it within the normal operating cycle.",{"type":80,"attrs":123,"content":124},{"level":100,"textAlign":25},[125],{"text":126,"type":72},"What is accounts receivable?",{"type":66,"attrs":128,"content":130},{"textAlign":25,"key":129},"p-7",[131],{"text":132,"type":72},"Accounts receivable is a current asset. It's the money customers owe you for goods or services you've already delivered on credit.",{"type":66,"attrs":134,"content":136},{"textAlign":25,"key":135},"p-8",[137],{"text":138,"type":72},"When you invoice a customer €10,000 for a completed project, for example, you record that amount as accounts receivable.",{"type":66,"attrs":140,"content":142},{"textAlign":25,"key":141},"p-9",[143],{"text":144,"type":72},"AR represents cash you expect to collect. It appears under current assets when you expect to receive payment within one year, or within the normal operating cycle if that's longer. Companies generally classify receivables due beyond that period as noncurrent assets.",{"type":80,"attrs":146,"content":147},{"level":82,"textAlign":25},[148],{"text":149,"type":72},"Key differences at a glance",{"type":66,"attrs":151,"content":153},{"textAlign":25,"key":152},"p-10",[154],{"text":155,"type":72},"Accounts payable is money your business owes to vendors. Accounts receivable is money customers owe you.",{"type":66,"attrs":157,"content":159},{"textAlign":25,"key":158},"p-11",[160],{"text":161,"type":72},"Together, they sit on opposite sides of the balance sheet and shape how cash moves through your operations.",{"type":66,"attrs":163,"content":165},{"textAlign":25,"key":164},"p-12",[166],{"text":167,"type":72},"Here is how accounts payable and accounts receivable compare across the dimensions that matter to a 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you",{"type":172,"content":330},[331,342,351],{"type":206,"attrs":332,"content":333},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[334],{"type":66,"attrs":335,"content":337},{"textAlign":25,"key":336},"p-28",[338],{"text":339,"type":72,"marks":340},"Related metric",[341],{"type":217},{"type":206,"attrs":343,"content":344},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[345],{"type":66,"attrs":346,"content":348},{"textAlign":25,"key":347},"p-29",[349],{"text":350,"type":72},"Days payable outstanding (DPO)",{"type":206,"attrs":352,"content":353},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[354],{"type":66,"attrs":355,"content":357},{"textAlign":25,"key":356},"p-30",[358],{"text":359,"type":72},"Days sales outstanding (DSO)",{"type":66,"attrs":361},{"textAlign":25,"key":362},"p-31",{"type":66,"attrs":364,"content":366},{"textAlign":25,"key":365},"p-32",[367],{"text":368,"type":72},"The mirror relationship works both ways. Every payable you hold is a receivable on your supplier's books. Every receivable you carry is a payable on your customer's books.",{"type":80,"attrs":370,"content":371},{"level":82,"textAlign":25},[372],{"text":373,"type":72},"How AP and AR appear on the balance sheet",{"type":66,"attrs":375,"content":377},{"textAlign":25,"key":376},"p-33",[378],{"text":379,"type":72},"Accounts payable and accounts receivable sit on opposite sides of your balance sheet:",{"type":381,"content":382},"bullet_list",[383,396],{"type":384,"content":385},"list_item",[386],{"type":66,"attrs":387,"content":389},{"textAlign":25,"key":388},"p-34",[390,394],{"text":391,"type":72,"marks":392},"Accounts payable is a current liability:",[393],{"type":217},{"text":395,"type":72}," Money your business owes to suppliers.",{"type":384,"content":397},[398],{"type":66,"attrs":399,"content":401},{"textAlign":25,"key":400},"p-35",[402,406],{"text":403,"type":72,"marks":404},"Accounts receivable is a current asset:",[405],{"type":217},{"text":407,"type":72}," Money customers owe your business.",{"type":66,"attrs":409,"content":411},{"textAlign":25,"key":410},"p-36",[412],{"text":413,"type":72},"Together, they affect your working capital and current ratio, helping show whether the business has enough short-term assets to cover its short-term obligations.",{"type":66,"attrs":415,"content":417},{"textAlign":25,"key":416},"p-37",[418],{"text":419,"type":72},"The exact accounting rules depend on where your business reports, but the two main frameworks follow a similar principle. Companies generally classify assets and liabilities as current when they expect to collect or settle them as part of the normal operating cycle.",{"type":66,"attrs":421,"content":423},{"textAlign":25,"key":422},"p-38",[424],{"text":425,"type":72},"That's why AP usually appears under current liabilities: businesses typically pay supplier invoices within the normal operating cycle.",{"type":66,"attrs":427,"content":429},{"textAlign":25,"key":428},"p-39",[430],{"text":431,"type":72},"AR usually appears under current assets when you expect to collect the money within 12 months, or within your normal operating cycle if that's longer.",{"type":66,"attrs":433,"content":435},{"textAlign":25,"key":434},"p-40",[436],{"text":437,"type":72},"Companies generally classify receivables due beyond that period as noncurrent assets. Getting this right matters. If the finance team incorrectly records a long-term receivable as current, it can overstate your current assets and make the business look more liquid than it is.",{"type":439,"content":440},"blockquote",[441,451],{"type":66,"attrs":442,"content":444},{"textAlign":25,"key":443},"p-41",[445,449],{"text":446,"type":72,"marks":447},"Technical note:",[448],{"type":217},{"text":450,"type":72}," Most UK and European companies report under International Financial Reporting Standards (IFRS). The International Accounting Standards Board (IASB) issues and maintains these standards. IFRS applies the operating-cycle principle when classifying assets and liabilities as current or noncurrent.",{"type":66,"attrs":452,"content":454},{"textAlign":25,"key":453},"p-42",[455],{"text":456,"type":72},"It classifies items as current when the entity expects to settle or realise them within its normal operating cycle or within twelve months of the reporting date, and all others as noncurrent. This principle applies consistently across IFRS-reporting entities regardless of jurisdiction or company profile.",{"type":80,"attrs":458,"content":459},{"level":82,"textAlign":25},[460],{"text":461,"type":72},"How AP and AR affect cash flow and working capital",{"type":66,"attrs":463,"content":465},{"textAlign":25,"key":464},"p-43",[466],{"text":467,"type":72},"Slow AR collection and fast AP payment drain liquidity at the same time. Collect late and pay early, and cash leaves before it arrives. Reverse that timing, and you free up working capital without borrowing a penny.",{"type":66,"attrs":469,"content":471},{"textAlign":25,"key":470},"p-44",[472],{"text":473,"type":72},"Working capital is current assets minus current liabilities. The gap between when you collect from customers and when you pay suppliers sits at the centre of it.",{"type":66,"attrs":475,"content":477},{"textAlign":25,"key":476},"p-45",[478],{"text":479,"type":72},"Controllers use the cash conversion cycle to measure that gap directly:",{"type":439,"content":481},[482],{"type":66,"attrs":483,"content":485},{"textAlign":25,"key":484},"p-46",[486],{"text":487,"type":72,"marks":488},"CCC = DIO + DSO - DPO",[489],{"type":217},{"type":381,"content":491},[492,504,516,528],{"type":384,"content":493},[494],{"type":66,"attrs":495,"content":497},{"textAlign":25,"key":496},"p-47",[498,502],{"text":499,"type":72,"marks":500},"Slower collections, or higher AR:",[501],{"type":217},{"text":503,"type":72}," The cash conversion cycle lengthens and liquidity worsens.",{"type":384,"content":505},[506],{"type":66,"attrs":507,"content":509},{"textAlign":25,"key":508},"p-48",[510,514],{"text":511,"type":72,"marks":512},"Faster collections, or lower AR:",[513],{"type":217},{"text":515,"type":72}," The cycle shortens and liquidity improves.",{"type":384,"content":517},[518],{"type":66,"attrs":519,"content":521},{"textAlign":25,"key":520},"p-49",[522,526],{"text":523,"type":72,"marks":524},"Slower payments, or higher AP:",[525],{"type":217},{"text":527,"type":72}," The cycle shortens and short-term liquidity improves.",{"type":384,"content":529},[530],{"type":66,"attrs":531,"content":533},{"textAlign":25,"key":532},"p-50",[534,538],{"text":535,"type":72,"marks":536},"Faster payments, or lower AP:",[537],{"type":217},{"text":539,"type":72}," The cycle lengthens and short-term liquidity worsens.",{"type":66,"attrs":541,"content":543},{"textAlign":25,"key":542},"p-51",[544],{"text":545,"type":72},"Finance teams must balance competing payment and collection priorities.",{"type":66,"attrs":547,"content":549},{"textAlign":25,"key":548},"p-52",[550],{"text":551,"type":72},"You want to pay vendors fast enough to protect relationships and capture discounts, but slowly enough to hold cash. You want to collect from customers as fast as possible without souring the relationship.",{"type":80,"attrs":553,"content":554},{"level":82,"textAlign":25},[555],{"text":556,"type":72},"When to use AP versus AR processes",{"type":66,"attrs":558,"content":559},{"textAlign":25,"key":68},[560],{"text":561,"type":72},"Use the accounts payable invoice-to-pay workflow when your company owes money to outside suppliers.",{"type":66,"attrs":563,"content":564},{"textAlign":25,"key":75},[565],{"text":566,"type":72},"Use the accounts receivable order-to-cash workflow when customers owe money to your company.",{"type":66,"attrs":568,"content":569},{"textAlign":25,"key":88},[570,572,580],{"text":571,"type":72},"Both processes exist only under ",{"text":573,"type":72,"marks":574},"accrual accounting",[575],{"type":576,"attrs":577},"link",{"href":578,"uuid":25,"anchor":25,"target":25,"linktype":579},"https://www.spendesk.com/blog/accrued-expenses/","url",{"text":581,"type":72},", where you record liabilities when the business incurs them and revenue when the business earns it.",{"type":66,"attrs":583,"content":584},{"textAlign":25,"key":94},[585],{"text":586,"type":72},"Cash-basis accounting recognises transactions only when money moves, so neither AP nor AR appears on the books.",{"type":80,"attrs":588,"content":589},{"level":100,"textAlign":25},[590],{"text":591,"type":72},"The step-by-step accounts payable workflow",{"type":66,"attrs":593,"content":594},{"textAlign":25,"key":106},[595],{"text":596,"type":72},"The AP workflow runs from invoice receipt to payment, with control checkpoints along the way.",{"type":598,"attrs":599,"content":601},"ordered_list",{"order":177,"key":600},"ol-0",[602,613,624,635,646,657,668],{"type":384,"content":603},[604],{"type":66,"attrs":605,"content":606},{"textAlign":25,"key":112},[607,611],{"text":608,"type":72,"marks":609},"Purchase requisition and purchase order:",[610],{"type":217},{"text":612,"type":72}," No journal entry yet. The PO is an executory contract.",{"type":384,"content":614},[615],{"type":66,"attrs":616,"content":617},{"textAlign":25,"key":118},[618,622],{"text":619,"type":72,"marks":620},"Goods or services receipt:",[621],{"type":217},{"text":623,"type":72}," You recognise the liability here, when the business receives the goods or services, regardless of whether the invoice has arrived.",{"type":384,"content":625},[626],{"type":66,"attrs":627,"content":628},{"textAlign":25,"key":129},[629,633],{"text":630,"type":72,"marks":631},"Invoice receipt and capture:",[632],{"type":217},{"text":634,"type":72}," AP staff or invoice-capture software enters the vendor invoice into the system, often under Net 30 or Net 60 terms.",{"type":384,"content":636},[637],{"type":66,"attrs":638,"content":639},{"textAlign":25,"key":135},[640,644],{"text":641,"type":72,"marks":642},"Three-way matching and validation:",[643],{"type":217},{"text":645,"type":72}," You compare the purchase order with the goods receipt. You then compare the vendor invoice before authorising payment.",{"type":384,"content":647},[648],{"type":66,"attrs":649,"content":650},{"textAlign":25,"key":141},[651,655],{"text":652,"type":72,"marks":653},"Approval workflow:",[654],{"type":217},{"text":656,"type":72}," The system routes the invoice according to its department and value. Supplier-specific rules can determine the approver when needed.",{"type":384,"content":658},[659],{"type":66,"attrs":660,"content":661},{"textAlign":25,"key":152},[662,666],{"text":663,"type":72,"marks":664},"Liability recording:",[665],{"type":217},{"text":667,"type":72}," Debit the expense or asset account and credit accounts payable.",{"type":384,"content":669},[670],{"type":66,"attrs":671,"content":672},{"textAlign":25,"key":158},[673,677],{"text":674,"type":72,"marks":675},"Payment disbursement and reconciliation:",[676],{"type":217},{"text":678,"type":72}," Debit accounts payable and credit cash.",{"type":66,"attrs":680,"content":681},{"textAlign":25,"key":164},[682],{"text":683,"type":72},"Three-way matching is the core internal control. 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When the customer pays, you apply the cash.",{"type":80,"attrs":776,"content":777},{"level":82,"textAlign":25},[778],{"text":779,"type":72},"Recording AP and AR: journal entries",{"type":66,"attrs":781,"content":782},{"textAlign":25,"key":263},[783],{"text":784,"type":72},"IFRS and other accrual-based reporting frameworks require accrual accounting.",{"type":66,"attrs":786,"content":787},{"textAlign":25,"key":274},[788],{"text":789,"type":72},"Under this basis, finance teams use double-entry postings, recognising liabilities when the business incurs them and revenue when the business earns it, regardless of when cash moves.",{"type":66,"attrs":791,"content":792},{"textAlign":25,"key":285},[793],{"text":794,"type":72},"Cash-basis accounting works differently. It records nothing until cash actually changes hands, skipping these entries altogether.",{"type":80,"attrs":796,"content":797},{"level":100,"textAlign":25},[798],{"text":799,"type":72},"Accounts payable journal entries",{"type":66,"attrs":801,"content":802},{"textAlign":25,"key":294},[803],{"text":804,"type":72},"For accounts payable, a purchase on credit and its later settlement look like this:",{"type":169,"content":806},[807,841,874,900,931],{"type":172,"content":808},[809,817,825,833],{"type":175,"attrs":810,"content":811},{"colspan":177,"rowspan":177,"colwidth":25},[812],{"type":66,"attrs":813,"content":814},{"textAlign":25,"key":305},[815],{"text":816,"type":72},"Entry",{"type":175,"attrs":818,"content":819},{"colspan":177,"rowspan":177,"colwidth":25},[820],{"type":66,"attrs":821,"content":822},{"textAlign":25,"key":316},[823],{"text":824,"type":72},"Account",{"type":175,"attrs":826,"content":827},{"colspan":177,"rowspan":177,"colwidth":25},[828],{"type":66,"attrs":829,"content":830},{"textAlign":25,"key":325},[831],{"text":832,"type":72},"Debit",{"type":175,"attrs":834,"content":835},{"colspan":177,"rowspan":177,"colwidth":25},[836],{"type":66,"attrs":837,"content":838},{"textAlign":25,"key":336},[839],{"text":840,"type":72},"Credit",{"type":172,"content":842},[843,853,861,869],{"type":206,"attrs":844,"content":845},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[846],{"type":66,"attrs":847,"content":848},{"textAlign":25,"key":347},[849],{"text":850,"type":72,"marks":851},"Purchase on credit",[852],{"type":217},{"type":206,"attrs":854,"content":855},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[856],{"type":66,"attrs":857,"content":858},{"textAlign":25,"key":356},[859],{"text":860,"type":72},"Equipment or expense",{"type":206,"attrs":862,"content":863},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[864],{"type":66,"attrs":865,"content":866},{"textAlign":25,"key":362},[867],{"text":868,"type":72},"£10,000",{"type":206,"attrs":870,"content":871},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[872],{"type":66,"attrs":873},{"textAlign":25,"key":365},{"type":172,"content":875},[876,881,888,893],{"type":206,"attrs":877,"content":878},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[879],{"type":66,"attrs":880},{"textAlign":25,"key":376},{"type":206,"attrs":882,"content":883},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[884],{"type":66,"attrs":885,"content":886},{"textAlign":25,"key":388},[887],{"text":193,"type":72},{"type":206,"attrs":889,"content":890},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[891],{"type":66,"attrs":892},{"textAlign":25,"key":400},{"type":206,"attrs":894,"content":895},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[896],{"type":66,"attrs":897,"content":898},{"textAlign":25,"key":410},[899],{"text":868,"type":72},{"type":172,"content":901},[902,912,919,926],{"type":206,"attrs":903,"content":904},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[905],{"type":66,"attrs":906,"content":907},{"textAlign":25,"key":416},[908],{"text":909,"type":72,"marks":910},"Payment",[911],{"type":217},{"type":206,"attrs":913,"content":914},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[915],{"type":66,"attrs":916,"content":917},{"textAlign":25,"key":422},[918],{"text":193,"type":72},{"type":206,"attrs":920,"content":921},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[922],{"type":66,"attrs":923,"content":924},{"textAlign":25,"key":428},[925],{"text":868,"type":72},{"type":206,"attrs":927,"content":928},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[929],{"type":66,"attrs":930},{"textAlign":25,"key":434},{"type":172,"content":932},[933,938,946,951],{"type":206,"attrs":934,"content":935},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[936],{"type":66,"attrs":937},{"textAlign":25,"key":443},{"type":206,"attrs":939,"content":940},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[941],{"type":66,"attrs":942,"content":943},{"textAlign":25,"key":453},[944],{"text":945,"type":72},"Cash",{"type":206,"attrs":947,"content":948},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[949],{"type":66,"attrs":950},{"textAlign":25,"key":464},{"type":206,"attrs":952,"content":953},{"colspan":177,"rowspan":177,"colwidth":25,"backgroundColor":25},[954],{"type":66,"attrs":955,"content":956},{"textAlign":25,"key":470},[957],{"text":868,"type":72},{"type":66,"attrs":959},{"textAlign":25,"key":476},{"type":66,"attrs":961,"content":962},{"textAlign":25,"key":484},[963],{"text":964,"type":72},"The first entry records the asset or expense and the liability. The second cancels the liability when you pay.",{"type":80,"attrs":966,"content":967},{"level":100,"textAlign":25},[968],{"text":969,"type":72},"Accounts receivable journal entries",{"type":66,"attrs":971,"content":972},{"textAlign":25,"key":496},[973],{"text":974,"type":72},"For accounts receivable, a credit sale and its collection mirror the AP entries in 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When you write off a specific account, you reduce both the allowance and AR with no further income statement impact.",{"type":66,"attrs":1153,"content":1155},{"textAlign":25,"key":1154},"p-71",[1156],{"text":1157,"type":72},"Neither IFRS nor US GAAP permits the direct write-off method for material amounts because it delays expense recognition and fails the matching principle.",{"type":80,"attrs":1159,"content":1160},{"level":82,"textAlign":25},[1161],{"text":1162,"type":72},"How to measure performance across accounts payable and accounts receivable",{"type":66,"attrs":1164,"content":1166},{"textAlign":25,"key":1165},"p-72",[1167],{"text":1168,"type":72},"Controllers use four metrics to assess AP and AR performance: DPO, DSO, the AR turnover ratio, and the current ratio.",{"type":66,"attrs":1170,"content":1172},{"textAlign":25,"key":1171},"p-73",[1173],{"text":1174,"type":72},"Each has a formula and a benchmark range, though the healthy range depends on your industry.",{"type":598,"attrs":1176,"content":1178},{"order":177,"key":1177},"ol-2",[1179,1191,1203,1215],{"type":384,"content":1180},[1181],{"type":66,"attrs":1182,"content":1184},{"textAlign":25,"key":1183},"p-74",[1185,1189],{"text":1186,"type":72,"marks":1187},"Days payable outstanding (DPO):",[1188],{"type":217},{"text":1190,"type":72}," Average AP divided by COGS per day. It measures the average number of days you take to pay suppliers. What counts as healthy varies by industry. In professional services, for instance, a DPO of 20 to 40 days is fairly typical.",{"type":384,"content":1192},[1193],{"type":66,"attrs":1194,"content":1196},{"textAlign":25,"key":1195},"p-75",[1197,1201],{"text":1198,"type":72,"marks":1199},"Days sales outstanding (DSO):",[1200],{"type":217},{"text":1202,"type":72}," Average AR divided by revenue per day, or 365 divided by the AR turnover ratio. It measures the average number of days to collect. Benchmarks vary widely. DSO ranges from 15 to 30 days in retail and from 45 to 60 days in manufacturing. Professional services falls between 30 and 60 days.",{"type":384,"content":1204},[1205],{"type":66,"attrs":1206,"content":1208},{"textAlign":25,"key":1207},"p-76",[1209,1213],{"text":1210,"type":72,"marks":1211},"AR turnover ratio:",[1212],{"type":217},{"text":1214,"type":72}," Net annual credit sales divided by average AR. The healthy range is 5 to 10 times per year. Controllers generally interpret a high ratio as evidence of efficient collections. They may read a low ratio as a sign of lenient terms or distressed customers.",{"type":384,"content":1216},[1217],{"type":66,"attrs":1218,"content":1220},{"textAlign":25,"key":1219},"p-77",[1221,1225],{"text":1222,"type":72,"marks":1223},"Current ratio:",[1224],{"type":217},{"text":1226,"type":72}," Current assets divided by current liabilities. A range of 1.5 to 3.0 is generally healthy. Controllers may read a ratio below 1.0 as a sign of trouble meeting short-term obligations. Above 3.0 can indicate you're sitting on idle current assets.",{"type":66,"attrs":1228,"content":1230},{"textAlign":25,"key":1229},"p-78",[1231],{"text":1232,"type":72},"Benchmark against industry peers, not cross-industry averages. A 52-day DSO is median for industrial manufacturing but would be alarming for a B2C retailer collecting in days.",{"type":80,"attrs":1234,"content":1235},{"level":82,"textAlign":25},[1236],{"text":1237,"type":72},"Common issues and pitfalls",{"type":66,"attrs":1239,"content":1241},{"textAlign":25,"key":1240},"p-79",[1242],{"text":1243,"type":72},"Weak segregation of duties can expose AP to fraud, while uncontrolled bad debt reduces the value of AR. These are the two risks that matter most to a controller.",{"type":80,"attrs":1245,"content":1246},{"level":100,"textAlign":25},[1247],{"text":1248,"type":72},"Segregation of duties",{"type":66,"attrs":1250,"content":1252},{"textAlign":25,"key":1251},"p-80",[1253],{"text":1254,"type":72},"No single person should control more than one incompatible AP or AR function, because concentrated control can let an employee conceal fraud from reviewers.",{"type":66,"attrs":1256,"content":1258},{"textAlign":25,"key":1257},"p-81",[1259],{"text":1260,"type":72},"The COSO framework classifies segregation of duties as a control activity, specifically a preventive control, and it separates four incompatible duties:",{"type":381,"content":1262},[1263,1271,1279,1287],{"type":384,"content":1264},[1265],{"type":66,"attrs":1266,"content":1268},{"textAlign":25,"key":1267},"p-82",[1269],{"text":1270,"type":72},"Authorisation",{"type":384,"content":1272},[1273],{"type":66,"attrs":1274,"content":1276},{"textAlign":25,"key":1275},"p-83",[1277],{"text":1278,"type":72},"Custody of assets",{"type":384,"content":1280},[1281],{"type":66,"attrs":1282,"content":1284},{"textAlign":25,"key":1283},"p-84",[1285],{"text":1286,"type":72},"Recording",{"type":384,"content":1288},[1289],{"type":66,"attrs":1290,"content":1292},{"textAlign":25,"key":1291},"p-85",[1293],{"text":1294,"type":72},"Reconciliation",{"type":66,"attrs":1296,"content":1298},{"textAlign":25,"key":1297},"p-86",[1299],{"text":1300,"type":72},"For AP, separate invoice intake and capture from payment execution. Assign invoice review and approval independently. Vendor setup and invoice approval must sit in different roles. Payment processing must also remain separate.",{"type":66,"attrs":1302,"content":1304},{"textAlign":25,"key":1303},"p-87",[1305],{"text":1306,"type":72},"For AR, separate credit approval, invoicing, collections, and reconciliation. The person who receives payment should not also post the receipt and adjust AR balances.",{"type":66,"attrs":1308,"content":1310},{"textAlign":25,"key":1309},"p-88",[1311,1313,1320],{"text":1312,"type":72},"According to the Association of Certified Fraud Examiners' ",{"text":1314,"type":72,"marks":1315},"2024 Report to the Nations",[1316],{"type":576,"attrs":1317},{"href":1318,"uuid":25,"anchor":25,"target":1319,"linktype":579},"https://www.acfe.com/-/media/files/acfe/pdfs/rttn/2024/2024-report-to-the-nations.pdf","_blank",{"text":1321,"type":72},", billing schemes carry a median loss of £100,000, while check and payment tampering poses an even greater risk at £155,000.",{"type":66,"attrs":1323,"content":1325},{"textAlign":25,"key":1324},"p-89",[1326],{"text":1327,"type":72},"Controllers can use these loss figures to assess how segregation of duties may prevent or expose both schemes.",{"type":66,"attrs":1329,"content":1331},{"textAlign":25,"key":1330},"p-90",[1332],{"text":1333,"type":72},"If your team is too small to fully segregate every function, that's entirely manageable. Documenting owner reviews and running independent reconciliations can help you stay protected. Exception reports add another layer of control.",{"type":80,"attrs":1335,"content":1336},{"level":100,"textAlign":25},[1337],{"text":1338,"type":72},"Bad debt and uncollectible AR",{"type":66,"attrs":1340,"content":1342},{"textAlign":25,"key":1341},"p-91",[1343],{"text":1344,"type":72},"Ageing receivables that customers never pay become bad debt, and poor AR management lets that risk compound.",{"type":66,"attrs":1346,"content":1348},{"textAlign":25,"key":1347},"p-92",[1349,1351,1357],{"text":1350,"type":72},"The longer an invoice sits unpaid, the less likely you are to collect it. An ",{"text":1352,"type":72,"marks":1353},"ageing schedule",[1354],{"type":576,"attrs":1355},{"href":1356,"uuid":25,"anchor":25,"target":1319,"linktype":579},"https://www.spendesk.com/blog/how-to-prepare-accounts-payable-ageing-report/",{"text":1358,"type":72}," that applies increasing risk percentages to later buckets is how you estimate the exposure before it becomes a write-off.",{"type":66,"attrs":1360,"content":1362},{"textAlign":25,"key":1361},"p-93",[1363],{"text":1364,"type":72},"Under the allowance method, you estimate uncollectible amounts each period and hold them in a contra-asset account against AR.",{"type":66,"attrs":1366,"content":1368},{"textAlign":25,"key":1367},"p-94",[1369],{"text":1370,"type":72},"When a specific account proves uncollectible, you write it off against the allowance.",{"type":66,"attrs":1372,"content":1374},{"textAlign":25,"key":1373},"p-95",[1375],{"text":1376,"type":72},"Weak collections follow-up can cause a growing bad debt balance. 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