# Balance per company

Each company has its own balance, the sum of its movements, with automatic charging and an authorised negative margin.

Source: https://ardumaker.com/en/docs/saldo-por-empresa/

- Category: Payments and administration
- Status: Available
- Requirements: Being a company member to see the balance; A saved payment method for automatic charges
- MCP tools (Read only): `ver_empresa`, `ver_consumo_periodo_empresa`

## What can you do with it?

Money in ArduMaker belongs to the company, not the person. Each company has a balance that is the sum of all its movements: incoming payments, service charges, usage, refunds and adjustments.

- Positive balance: credit in favour. Negative: debt.
- An authorised negative margin before charging.
- Automatic charge to the payment method when debt exceeds the margin.

## When should you use it?

Whenever the company contracts something: monthly services and usage charges come out of the same balance.

## How does it work in ArduMaker?

The authorised negative margin is the highest payment of the last 6 months divided by 3, with a minimum of €5 and a maximum of €100. It is recalculated at each review.

1. A periodic job reviews each company. If debt exceeds the margin, or it is a new month with no payments and debt is above €5, it tries to charge.
2. On the 1st of the month the full debt is charged, regardless of the margin.
3. If a charge fails, it is retried every 60 hours for the first 3 attempts and then every 5 days, up to 8.
4. After 3 consecutive failures, services are paused.
5. Five days before removal a final notice is sent. After 25 days in arrears services are removed and a reactivation surcharge of 85% of the debt is added.

> **INFO:** A successful payment clears the alert, resets the counters and reactivates whatever was paused for arrears.

## What actually changes?

- Each charge or attempt is recorded as a history movement, with its type: `pago`, `cobro`, `consumo`, `ajuste`, `reembolso`, `disputa`, `comision`, `bonificacion`, `extraccion` or `deposito_manual`.
- The company shows an alert with the reason while debt is pending.
- History and debt are kept even when services are removed.

## Diagram

**Balance review**

```text
Periodic job
  ↓
Company balance (sum of history)
  ↓
Debt above margin? (if not, it ends)
  ↓
Charge to payment method (Stripe)
  ↓
Success or retry (pause after 3 failures)
```

## Expected result

The company sees its balance, its history and, if there is debt, the charge status and what is left before pause or removal.

## Errors and troubleshooting

- **Failed charge**: the payment method rejected the charge. A successful manual [top-up](https://ardumaker.com/en/docs/recargas) clears the arrears immediately.
- **No payment method**: the automatic charge cannot happen.
- **Charges paused**: if ArduMaker paused the company's charges, the job does nothing.

> **PELIGRO:** Removal for arrears deletes services. Paying the debt allows reactivating the company, but what was removed does not always come back.

## MCP access

An agent can read company data and its movement history, but cannot charge or add balance. See [/mcp/docs](https://ardumaker.com/en/mcp/docs).

| Type | Tools |
| --- | --- |
| Read | `ver_empresa`, `ver_consumo_periodo_empresa` |

## Related features

- [Balance top-ups](https://ardumaker.com/en/docs/recargas/)
- [Auto top-up](https://ardumaker.com/en/docs/recarga-automatica/)
- [Service usage](https://ardumaker.com/en/docs/consumo-de-servicios/)
- [Invoicing](https://ardumaker.com/en/docs/facturacion/)
- [Companies](https://ardumaker.com/en/docs/empresas/)