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Nerve Centre KPIs · Audit Profile · Sentiment Settings The questions an SMB-to-mid-market finance lead asks at 9am on Monday: did yesterday’s storefront orders all land in Zoho Books as invoices, is AR aging concentrating on customers still placing new ecom orders, are bank feeds reconciled and the current GST/VAT return base trustworthy, and is AP under control. Cross-references the ecommerce platforms (BigCommerce / Adobe Commerce / Shopify) - an order with no matching Zoho Books invoice, overdue AR on a still-shipping customer, or stock-tracked-item drift are the killer reconciliation findings no single tool can see.

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What this audit checks

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Authentication & access

  • OAuth refresh token mints an access token against the correct data-centre accounts server (.com / .eu / .in / .com.au / .jp / .ca / .sa) and is not revoked/expired
  • API domain matches the org’s data centre and GET /books/v3/organizations returns the organization_id without a 401 (bad token) or domain mismatch
  • Granted scope covers ZohoBooks read access to Invoices / Contacts / Items / Bills / Bank Transactions
  • Org not over its plan’s daily API call budget (reads not throttled to 429)

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Order-to-cash & AR health

  • Invoices past due_date with outstanding balance above the overdue-AR threshold (collections risk)
  • AR aged 60+ days above 15% of total outstanding receivable
  • Days Sales Outstanding (DSO) above 60 days
  • Sent invoices with no payment recorded after the payment-terms window (slipping collections)

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AP & cash health

  • Bills past due_date with outstanding balance (late-payment / supplier-relationship risk)
  • AP aged 60+ days above 30% of total payables
  • Recurring bills failing to generate (broken AP automation)

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Bank reconciliation & tax-base integrity

  • Uncategorised bank transactions backlog above threshold (books drift, tax base unreliable)
  • Days since last bank reconciliation above the cadence (>7d on operating accounts)
  • Current GST/VAT/BAS return period nearing or past filing deadline with uncategorised cash still open
  • Invoices/expenses missing a tax rate on taxable lines (tax-return base understated)

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Cross-channel: Zoho Books vs ecommerce reconciliation

  • Storefront order has no matching Zoho Books invoice after the sync window (sibling = bigcommerce.order / shopify.order / adobe_commerce.order, by reference_number)
  • Zoho Books available_stock drifts >5% from storefront available qty on stock-tracked SKUs with active orders (sibling = bigcommerce.product / shopify.product / adobe_commerce.product, by sku) - inventory-tracking items only
  • Ecom customer with completed orders absent from Zoho Books contacts after 7d (sibling = bigcommerce.customer / shopify.customer, by email)
  • Customer with AR aged 60+ days still placing new ecom orders (credit risk compounding, sibling = ecommerce customer by email)

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Data sources

  • GET https://accounts.zoho.com/oauth/v2/token - OAuth2 access-token refresh on the data-centre accounts server
  • GET /books/v3/organizations - Auth / data-centre / organization_id validation probe
  • GET /books/v3/invoices - Invoices - AR balance, overdue value, aging, DSO, order-to-cash matching
  • GET /books/v3/contacts - Contacts - outstanding receivable, payment terms, tax reg, master drift
  • GET /books/v3/items - Items - sku, stock_on_hand / available_stock for inventory parity
  • GET /books/v3/bills - Bills (AP) - overdue value, payables aging
  • GET /books/v3/banktransactions - Bank transactions - uncategorised / unreconciled backlog, recon freshness