SAP FI-CA: The High-Volume Subledger Foundation That Turns Complexity Into Cash Flow Confidence
When billions of transactions and thousands of exceptions flow through your business every day, generic AR won’t cut it.
What is included with Contract Accounting (FI-CA)
- Open Item Management - Create, hold, and settle receivables/payables at the contract account level.
- Payment Processing & Clearing - Inbound/outbound payments, automatic clearing based on configurable business rules, manual clearing, partials, residuals, various payment types (lockbox/bank files/portals/etc.)
- Account Maintenance - Document posting, reversals, account display, correspondence.
- Interest & Charges - Configurable interest calculation, dunning charges, fees.
- Write-offs & Doubtful Items - Rules, approvals, tolerances, reason codes, statistics.
- Refunds & Credits - Credit balances handling, refunds, and instalment plans.
- Master Data & Grouping - Business partner integration, contract relationships, grouping.
- Master Data & Grouping - Business partner integration, contract relationships, grouping.
- Period-End Activities - Reconciliations, carry-forwards, integration to GL.
- Analytics & Reporting - Aging, cash views, promise-to-pay, operational dashboards.
- Full Receivables Handling
- Credit Management (integration to external credit agencies, internal creditworthiness and risk scoring, and credit limits)
- Dunning & Collections (multi-level strategies, charges, correspondence, Instalment Plans & Promise-to-Pay)
- Dispute Management (case workflows, adjustments)
Why FI-CA Matters to Your Business
Accelerate Cash Realization
- Organizations using FI-CA achieve up to 30% lower Days Sales Outstanding (DSO) and near-100% payment clearing rates, freeing trapped cash and stabilizing working capital.
Control at Scale
- Benchmarked handling 10M+ accounts and processing 78,000+ payment runs per second, with automated dunning, disputes, and policy-driven write-offs.
Assurance & Compliance
- Maintain audit-ready transparency across billions of records, reducing audit risk and regulatory exposure.
Protect Revenue Integrity
- Prevent leakage with up to 99% reduction in revenue loss and 74% reduction in billing and collections cost through integrated billing, receivables, collections, dispute, and credit management.
Customer Trust & Satisfaction
- Personalized payment handling and dispute resolution cut complaints by 25% while improving loyalty and retention.
FI-CA Value Benchmarks
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reduction in billing & collections cost as a % of revenue
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improvement in collections success through credit-risk driven strategies
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fewer errors when AR and billing are integrated end-to-end
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reduction in unmatched payments and reconciliation workload
0
%
less manual effort in receivables management
What Makes FI-CA Unique
Unlike standard AR ledgers, FI-CA was engineered for high-volume, high-complexity operations:
- Open-Item Subledger: Contract-level granularity, aggregated cleanly to GL.
- Differentiated Receivables: Credit-risk-based collections and configurable dunning flows.
- Lights-Out Automation: Cash app, refunds, adjustments, disputes, and reconciliations streamlined end-to-end.
- Scalability Benchmarks: Handles high-volume, high-growth, and high-complexity and multi-sided revenue settlements across B2C and B2B models.
FI-CA is a fit for business with needs to support
- Millions of open items or frequent invoice cycles
- Automation of direct-to-consumer, or B2B2X b
- Complexities of B2X customer relationships (many, indirect, on-behalf-of)
- Scalability & separation of concerns with a subledger separated from the general ledger
- Consolidation & Shared-Service A/R models across SAP and non-SAP upstream systems
- Automation of complex payment channels and diverse dunning policies
- Multi-sided revenue models with partner revenue share, rebates, and settlement and those embarking on Q2C/Finance transformation
Why Mobolutions
Specialist Focus
We are one of the few partners with proven FI-CA delivery at billions-of-record scale in industries like tolling, telco, and high-tech.
Pre-Built Accelerators
Dunning flows, dispute templates, and reconciliation frameworks cut project timelines and deliver measurable ROI from day one.
Integrated Q2C Expertise
Unlike firms that “only do AR,” we bring deep SAP BRIM and Q2C experience - aligning FI-CA with Subscription Monetization, RAR, CPQ, and Commerce for a holistic monetization backbone.
Outcome-Driven Delivery
Every project is measured not just on go-live, but on DSO reduction, CEI improvement, and revenue protection metrics.
Industries We Serve
Telecom
High-volume subscriber billing, convergent charging, and complex discounts.
Tolling
Tag/plate-based transactions, exceptions, and partner settlements at scale.
Utilities & Energy
Frequent billing cycles, instalment plans, and regulatory-driven adjustments.
High - Tech
Recurring device/SaaS charges, refunds, and instalment plans.
Media, Streaming & Digital Services
Millions of low-value, recurring subscriptions and credits.
KPIs Commonly Monitored
- Aging & Overdue - by bucket, segment, region
- DSO / CEI - collection effectiveness, trend
- Auto-Match Rate - cash application hit rate
- Promise-to-Pay Adherence kept vs broken promises
- Write-off Rates & Reasons policy compliance, drivers
- Dunning Effectiveness - step conversion / roll-forward
Let’s identify the must-have capabilities and KPIs that will transform your receivables operation and design a rollout that delivers measurable impact in months, not years.
