A daily job looks at proposals that are Signed and Approved or Partially Paid whose Due Date plus Net Days is already in the past and moves them to Past Due status. If the proposal has Auto Charge On Due Date switched on, Sprwt immediately tries to charge the customer's saved card for the remaining balance: on success the proposal becomes Fully Paid automatically; on failure the customer and your business email get an autocharge error notification (a different message than the standard past-due reminder) instead. If Auto Charge is off, the customer receives the payment past due email with the remaining balance and a link, your business email gets an admin copy, and the proposal team is notified. Past Due proposals stay in the Account Receivable Report until they are paid.