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Recurring series charging more than is owed

3 owe nothing and are still billing · 35 are set to take $3,444 more than the balance · built 2026-09-17 13:55 UTC · reports.iconicbyai.com/paid-off

The question: which recurring series have paid off their balance and are still being billed? Today that is 3 of the 10,660 series still billing. Why it is a small number matters more than the number.

A Square series only ever holds ONE invoice ahead of today — 10,654 of the 10,660 live series have exactly one scheduled, 6 have two. It mints the next one as the last falls due. So the balance and the schedule fall together as a plan runs, a series that completes normally simply stops, and a settled agreement is only visible in the window between settling and its next charge. That window is why this is a list each day rather than a one-off sweep, and it means this page is today's exposure, not a standing pile.

The wider leak is one step earlier. 35 live series are scheduled to charge more than the customer still owes$3,444 over the balance, 10 of them inside seven days. Most owe something, just less than the charge that is coming.

Owe nothing, still billing
3
the literal answer — end these
About to over-charge
35
next charge is bigger than the balance
Taken beyond the balance
$3,444
if every one charges as scheduled
Charging within 7 days
10
$980 of it
New on the list today
35
first seen 2026-09-17
Off the list since the last build
0
since 2026-09-17
Balance confirmed twice
35
of 35 re-read live from the CRM
The closing itself cannot be automated. Square has no API for a recurring series — verified 17 Sep 2026: /v2/subscriptions/search returns nothing for all six recurring locations, so this billing is not subscriptions, and the Invoices API has no series object to end. A person has to end each one in the Square Dashboard. That is what this list and its CSV are for. How this is measured has the two things the API can do and why neither is switched on.

Checked twice before anyone is told to stop a billingThe Debtor Ledger is pulled once a day and rolled up per agreement. Every row on the list is re-read live from a second CRM view — the booking's own finance schedule and its Total Outstanding footer — as the list is built, and it has to agree about the balance, not just about zero.

The booking's own scheduleSeriesOver-charge at risk
Agrees with the ledger balance35 100.0%$3,444
Disagrees — check by hand first0 0.0%$0
Could not be read0 0.0%$0

What the list is asking forTwo different jobs. A settled agreement needs the series ended; one that still owes less than the charge needs that charge reduced to the balance, which is the same leak caught a cycle earlier.

ActionSeriesNext chargeOver the balance
End the series — the agreement owes nothing3 8.6%$505$485
Reduce the charge — they owe less than it32 91.4%$7,892$2,959
TOTAL35$8,397$3,444

When does each one charge?The card is charged on the due date. Anything in the first row happens this week.

WindowSeriesBeing chargedOver the balance
Next 7 days10 28.6%$1,749$980
8 to 30 days25 71.4%$6,648$2,464
31 to 90 days0 0.0%$0$0
Over 90 days out0 0.0%$0$0
TOTAL35$8,397$3,444

By cityEvery series in the six Square recurring locations, how many still have an invoice scheduled, and how many of those are set to take more than is owed.

CitySeries (all time)Still billingOver-chargingOwe nothingOver the balanceWithin 7 days
Texas14,3473,08011 0.4%2$1,1773
New York25,2652,0155 0.2%0$4602
Florida12,8731,9366 0.3%0$3872
Boston5,0531,1329 0.8%1$8351
Nashville3,8391,2743 0.2%0$5352
Chicago2,4261,2291 0.1%0$500
TOTAL63,80310,666353$3,44410

Today's workThe list is a queue, not a wall.

Since the last build (2026-09-17)SeriesOver the balance
New on the list35$3,444
Off the list — dealt with, or already charged0
Still standing from before0$0
On the list over 30 days0$0

Everything that needs a person today, soonest charge first. Take the Ref or the Invoice number into the Square Dashboard: end the series where the agreement owes nothing, reduce the next charge to the balance where it owes less than the charge.

Take today's list — 35 to action

 
35 shown — everything that needs attention or click any number at the top of The answer to see just those
CityCustomerRefInvoiceCharges onChargeBalanceOver byWhat to doCardCRM re-checkOn the list since
Nashville Rachelle McFarlin N2602333 001119 2026-09-18 soon $298.00 $43.00 $255.00 Reduce the charge to $43.00 card on file confirmed 2026-09-17
Nashville Kimberlin Erazo N2809591 001502 2026-09-18 soon $150.00 $50.00 $100.00 Reduce the charge to $50.00 card on file confirmed 2026-09-17
Florida Clay Herber M2792967 0063887 2026-09-19 soon $245.83 $196.70 $49.13 Reduce the charge to $196.70 card on file confirmed 2026-09-17
New York Jeanina Celestin P2625038 001286532 2026-09-22 soon $232.50 $17.50 $215.00 Reduce the charge to $17.50 card on file confirmed 2026-09-17
Boston Jacques Pellet T2798500 003131 2026-09-22 soon $122.00 $11.00 $111.00 Reduce the charge to $11.00 card on file confirmed 2026-09-17
Texas Jo Anne Campbell H2441325 00441745 2026-09-22 soon $25.00 $10.00 $15.00 End the series — Paid it off card on file confirmed 2026-09-17
New York Zauri Jailava B2129987 001286137 2026-09-23 soon $40.00 $14.68 $25.32 Reduce the charge to $14.68 no card confirmed 2026-09-17
Texas Audrey Felice D2797731 00442032 2026-09-24 soon $220.83 $120.87 $99.96 Reduce the charge to $120.87 card on file confirmed 2026-09-17
Florida Odette Dominguez M2733278 0063796 2026-09-24 soon $150.00 $75.00 $75.00 Reduce the charge to $75.00 card on file confirmed 2026-09-17
Texas Tanasia Austin H2514793 00440764 2026-09-24 soon $265.00 $230.00 $35.00 Reduce the charge to $230.00 card on file confirmed 2026-09-17
Texas Kimberly Farve D2838493 00442785 2026-09-25 $255.00 $240.00 $15.00 Reduce the charge to $240.00 card on file confirmed 2026-09-17
New York Tara Nova B2496425 001285715 2026-09-27 $183.33 $83.37 $99.96 Reduce the charge to $83.37 card on file confirmed 2026-09-17
Boston Marcela Dayana Brazao T2738310 004503 2026-09-27 $95.00 $20.00 $75.00 Reduce the charge to $20.00 card on file confirmed 2026-09-17
Florida Jessica Younts M2420915 0062730 2026-09-27 $315.00 $240.00 $75.00 Reduce the charge to $240.00 card on file confirmed 2026-09-17
Nashville Heather Couture N2945558 002286 2026-09-28 $320.00 $140.00 $180.00 Reduce the charge to $140.00 card on file confirmed 2026-09-17
Boston Fidef Nduwimana T2820171 003385 2026-09-28 $197.50 $25.00 $172.50 Reduce the charge to $25.00 card on file confirmed 2026-09-17
Texas Hunter Kozak H3903519 00445932 2026-09-30 $720.00 $470.00 $250.00 Reduce the charge to $470.00 card on file confirmed 2026-09-17
Florida Milla Shinder M2857828 0064297 2026-09-30 $250.00 $150.00 $100.00 Reduce the charge to $150.00 card on file confirmed 2026-09-17
Florida Arthur OBrien M2441602 0062897 2026-09-30 $245.00 $220.00 $25.00 Reduce the charge to $220.00 card on file confirmed 2026-09-17
Texas Adriano Andrade D2461341 00440105 2026-09-30 $81.25 $56.26 $24.99 Reduce the charge to $56.26 card on file confirmed 2026-09-17
Boston Isha Kothari T2446181 002225 2026-10-01 $170.00 $130.00 $40.00 Reduce the charge to $130.00 card on file confirmed 2026-09-17
New York Marisa Conway P2250212 001284238 2026-10-02 $280.00 $260.00 $20.00 Reduce the charge to $260.00 card on file confirmed 2026-09-17
Chicago Julia Vargas C2797246 000105 2026-10-04 $266.66 $216.74 $49.92 Reduce the charge to $216.74 card on file confirmed 2026-09-17
New York SAMUEL HERNANDEZ P2629935 001286666 2026-10-05 $220.83 $120.87 $99.96 Reduce the charge to $120.87 card on file confirmed 2026-09-17
Texas James Harris D2839159 00442871 2026-10-07 $207.50 $25.00 $182.50 Reduce the charge to $25.00 card on file confirmed 2026-09-17
Boston Anita Porter T3838230 004088 2026-10-08 $100.00 $50.00 $50.00 Reduce the charge to $50.00 card on file confirmed 2026-09-17
Texas Willis Mackey H2516815 00440929 2026-10-09 $1,237.50 $1,187.50 $50.00 Reduce the charge to $1,187.50 card on file confirmed 2026-09-17
Boston Lisberth Nelson Venette T4036472 004981 2026-10-10 $235.00 $0.00 $235.00 End the series — Never financed card on file confirmed 2026-09-17
Boston Dericka Ingram T2430189 004488 2026-10-10 $80.00 $40.00 $40.00 Reduce the charge to $40.00 no card confirmed 2026-09-17
Texas Mackenzie Stratton D2876530 00443209 2026-10-11 $180.00 $40.00 $140.00 Reduce the charge to $40.00 card on file confirmed 2026-09-17
Boston Esperanta Iralien T2181387 003635 2026-10-12 $195.91 $134.72 $61.19 Reduce the charge to $134.72 card on file confirmed 2026-09-17
Texas Alexandria Cannon D2808526 00442229 2026-10-15 $245.00 $10.00 $235.00 End the series — Paid it off card on file confirmed 2026-09-17
Texas Octavius Yelverton D2863346 00443033 2026-10-15 $180.00 $50.00 $130.00 Reduce the charge to $50.00 card on file confirmed 2026-09-17
Florida Michelle George F3758998 0065192 2026-10-15 $287.50 $225.00 $62.50 Reduce the charge to $225.00 card on file confirmed 2026-09-17
Boston Johann Philip T4057603 0051011 2026-10-15 $100.00 $50.00 $50.00 Reduce the charge to $50.00 card on file confirmed 2026-09-17

35 rows · plain CSV, no hand-over recorded

Agreements where the CRM records more cash paid than was ever financed: 291 agreements, $92,246 beyond the financed amount. None of them still has a live series, so this is history rather than a leak that is still running.

This is deliberately not "negative balance". A balance goes below zero whenever a credit larger than the finance is posted — 107 agreements, $34,773 — and that is a bookkeeping shape, not money taken from anybody. 10 more carry payments against an agreement with no finance recorded at all. Neither is counted above.

Square settles whether a doubled figure is real money. 18 of these agreements show the CRM recording exactly twice the financed amount. Cross-checked against what each one's Square series actually collected: 15 show Square collecting the financed amount once — the CRM posted it twice and no extra money left the customer — while 3 show Square collecting about twice as well, which is money that really was taken. Those are M0273921, B0859939, M0138022.

Download (CSV) 291 rows

CityCustomerRefFinancedCRM says paidSquare collectedBeyond the financeSeries still live
New YorkJulietaB0597977$3,450.00$6,900.00$3,450.00$3,450.00no
FloridaSandra DiazM0273921$2,750.00$5,500.00$5,500.00$2,750.00no
FloridaEfrain LopezM1559194$2,350.00$4,700.00$2,350.00$2,350.00no
New YorkSavanna ThompsonB0693635$2,200.00$4,400.00$2,200.00$2,200.00no
New YorkDe' NajaP0411530$3,350.00$5,538.34$3,350.00$2,188.34no
New YorkPeter PerkovicX0202615$225.00$2,025.00$881.25$1,800.00no
FloridaHeather HinesM0137262$852.00$2,556.00$0.00$1,704.00no
FloridaCatalina Ortiz CruzM0137914$1,690.00$3,380.00$1,690.00$1,690.00no
New YorkVictoria BryanP0452193$2,450.00$4,083.33$816.67$1,633.33no
New YorkGillian OmotosoP0221867$187.50$1,770.00$1,960.83$1,582.50no
TexasCenly SalmanD2163562$1,975.00$3,521.90$1,975.00$1,546.90no
New YorkAntoinette dipugliaP0450839$1,350.00$2,700.00$1,350.00$1,350.00no
FloridaVanessa CasalliM0297366$2,699.00$4,048.00$2,699.00$1,349.00no
TexasDavid CanoH2437179$2,550.00$3,825.00$1,530.00$1,275.00no
TexasXavier JohnsonD2239696$2,100.00$3,325.00$2,100.00$1,225.00no
New YorkAlex AlexanderA0596054$2,450.00$3,675.00$2,450.00$1,225.00no
New YorkAshaki FosterX1541574$700.00$1,900.00$1,733.30$1,200.00no
New YorkJuliaP0388604$1,400.00$2,600.00$0.00$1,200.00no
New YorkKaren Boyle- Marvin Boyle(model)B2098085$1,950.00$3,087.50$812.50$1,137.50no
FloridaHillary OsunigaM0271485$350.00$1,400.00$1,400.00$1,050.00no
New YorkNancy PhillipsP0299440$2,050.00$3,075.00$1,025.00$1,025.00no
TexasJohn RowleyD2168067$1,450.00$2,450.00$450.00$1,000.00no
New YorkMariia Klykova for zaraB0926808$2,450.00$3,450.00$0.00$1,000.00no
New YorkMelaney LawtonA0632328$1,900.00$2,880.00$1,405.00$980.00no
New YorkCaroline MattisonX0271828$450.00$1,350.00$850.00$900.00no
FloridaJUNATIA REMMINGTONM0137494$2,700.00$3,600.00$900.00$900.00no
New YorkLydia Cottrell-PorterA0504837$3,550.00$4,438.00$2,960.00$888.00no
New YorkDarrell LucasX0390635$2,250.00$3,124.98$750.00$874.98no
New YorkHeera PaulA1177716$1,450.00$2,320.00$580.00$870.00no
New YorkNa-Leshia GreenX0197927$450.00$1,300.00$1,200.00$850.00no
New YorkJeanMax DeslouchesP0389033$2,450.00$3,266.00$816.00$816.00no
New YorkAl-Bilar WilsonX0188429$1,200.00$2,000.00$1,250.00$800.00no
TexasArianna KingsburyH1537663$3,000.00$3,750.00$3,000.00$750.00no
New YorkEvan PetrinoA1532703$750.00$1,500.00$750.00$750.00no
New YorkJuanita WhiteB0507784$750.00$1,500.00$0.00$750.00no
New YorkKyle AllisP0293958$2,250.00$3,000.00$750.00$750.00no
BostonEna AlshamiT2085300$2,900.00$3,625.00$2,900.00$725.00no
New YorkRoxanne YoungX0801115$3,500.00$4,200.00$0.00$700.00no
TexasDeepti ChaurasiyaD2859590$2,050.00$2,733.32$2,049.99$683.32no
New YorkRobert GoldshollB2232402$3,150.00$3,780.00$3,150.00$630.00no
New YorkJulie Ann SimpsonX0196851$300.00$930.00$562.50$630.00no
New YorkAmanda WeirX0253049$250.00$850.00$650.00$600.00no
New YorkAnabela R PintoX0189014$550.00$1,150.00$550.00$600.00no
FloridaLifort DovalM0138067$300.00$900.00$300.00$600.00no
New YorkBelkis ValdezA0505206$3,450.00$4,025.00$2,300.00$575.00no
New YorkPriscella PayneP0275619$3,350.00$3,908.33$1,674.99$558.33no
FloridaBenny SaintcyM0294676$2,150.00$2,700.00$716.66$550.00no
TexasBen CantyH2597499$2,650.00$3,180.00$2,650.00$530.00no
New YorkRaul LópezB0521979$2,950.00$3,450.00$2,950.00$500.00no
New YorkLheonore MendozaX0528453$2,450.00$2,950.00$2,450.00$500.00no
FloridaAngela GoodM0509826$1,200.00$1,700.00$1,700.00$500.00no
FloridaBeatriz PetriM0443366$2,500.00$3,000.00$1,500.00$500.00no
New YorkJoy MusokeP0305503$2,850.00$3,340.00$2,450.00$490.00no
New YorkShaun Erik HaugenB0692656$1,000.00$1,450.00$950.00$450.00no
New YorkRaymond OsborneX0195526$200.00$650.00$1,075.00$450.00no
FloridaMelissa RichardsM0304339$450.00$900.00$0.00$450.00no
New YorkShantell RobinsonP0405243$3,550.00$3,993.75$3,550.00$443.75no
FloridaJonathan Stuart AlexanderM0218377$2,952.00$3,394.00$442.00$442.00no
New YorkTraceyX0196146$425.00$850.00$425.00$425.00no
TexasDillon MckeeH1686241$2,500.00$2,916.66$0.00$416.66no
New YorkNick FischerB1685825$2,450.00$2,858.33$408.33$408.33no
TexasBelyne Bland'XochihuaD1580899$2,350.00$2,750.00$195.83$400.00no
New YorkJaqwane LawB1642261$3,550.00$3,950.00$3,950.00$400.00no
New YorkToni Del SorboP0253273$500.00$900.00$800.00$400.00no
New YorkNicola GrantX0217084$436.00$815.25$924.00$379.25no
New YorkFrancisco EscobarP0291273$2,250.00$2,625.00$2,250.00$375.00no
FloridaVesna LozadoM0137620$2,200.00$2,566.69$2,200.02$366.69no
New YorkPetronila GuzmanB1149797$3,550.00$3,905.00$3,550.00$355.00no
New YorkPatrick DzwigalB0705408$3,550.00$3,905.00$3,550.00$355.00no
New YorkChristina RomeroA1150034$3,500.00$3,850.00$3,500.00$350.00no
FloridaKayla LarmonM0692435$3,550.00$3,900.00$750.00$350.00no
FloridaLesli San JuanM0293304$3,550.00$3,900.00$580.00$350.00no
FloridaMartin BringuezM0302376$3,450.00$3,776.00$2,124.00$326.00no
New YorkJosiah shulerA0511116$650.00$975.00$650.00$325.00no
FloridaMeghan RichardsonM0182680$1,950.00$2,275.00$1,950.00$325.00no
TexasMaikol WilsonH2797082$3,200.00$3,520.00$3,200.00$320.00no
TexasCarol SpragueH2631526$3,200.00$3,520.00$3,200.00$320.00no
TexasEmily MatinezH2621987$3,200.00$3,520.00$3,200.00$320.00no
TexasAngel EspinozaH2509858$3,200.00$3,520.00$3,200.00$320.00no
New YorkWendy EspinaP2157474$3,200.00$3,520.00$3,200.00$320.00no
New YorkDesaray FerdinandX0403370$3,150.00$3,465.00$2,835.00$315.00no
New YorkDayja NelsonB0846609$2,740.00$3,050.00$933.32$310.00no
TexasRobert SikesD1710743$3,350.00$3,654.54$2,740.86$304.54no
TexasDarius EvansD1585621$400.00$700.00$400.00$300.00no
New YorkBrianna CampbellA0599343$2,648.00$2,948.00$602.00$300.00no
New YorkJohnathan GalunasA0450935$3,600.00$3,900.00$3,300.00$300.00no
FloridaJerry NelsonM1137746$2,500.00$2,800.00$1,944.39$300.00no
FloridaJulius GordonM1559105$3,550.00$3,846.66$295.83$296.66no
New YorkLIA DI ANGELO-ALLANP0757489$3,550.00$3,846.00$3,254.00$296.00no
New YorkArlenis RodriquezA0834879$3,550.00$3,846.00$3,550.00$296.00no
New YorkTonia Demario- Paul DemarioP2138061$2,450.00$2,745.84$2,450.00$295.84no
New YorkElvin JorgeB0450643$3,450.00$3,737.50$3,737.50$287.50no
New YorkArlene TorresA0810443$3,010.00$3,293.33$3,010.00$283.33no
New YorkChris HoweP0300324$3,350.00$3,629.17$1,395.85$279.17no
FloridaAllie HartM0838640$550.00$825.00$550.00$275.00no
TexasEssence DrakesH2069545$3,200.00$3,467.00$3,467.00$267.00no
New YorkAlexander FranzX0190308$1,600.00$1,866.66$0.00$266.66no
New YorkSara HanleyP2425292$2,650.00$2,915.00$2,915.00$265.00no
New YorkJoseph PupelloP2258593$2,600.00$2,860.00$2,860.00$260.00no
New YorkHevon StewartP0220741$450.00$700.00$934.00$250.00no
New YorkHeaven McconnellB0706139$3,450.00$3,700.00$3,450.00$250.00no
New YorkAndrea PalmaP0905922$250.00$500.00$250.00$250.00no
New YorkRavyn TolliverP0503562$250.00$500.00$250.00$250.00no
FloridaKevin C ParedesM0194307$750.00$1,000.00$975.00$250.00no
FloridaTyler TidwellM0137551$1,500.00$1,750.00$1,250.00$250.00no
TexasGalyna MuravlenkoD1499536$2,950.00$3,195.83$1,474.98$245.83no
BostonJose RibeiroT2261653$2,450.00$2,695.00$2,450.00$245.00no
New YorkBeata Zieba (Betty)P0915343$2,450.00$2,695.00$2,450.00$245.00no
New YorkJoy Ann MillerP0290320$2,950.00$3,195.00$2,950.00$245.00no
New YorkAlejandra CamposX0197929$2,450.00$2,695.00$2,450.00$245.00no
NashvilleJohnae HayworthN2219705$2,500.00$2,745.00$2,745.00$245.00no
New YorkNicole JonesP0527201$300.00$540.00$60.00$240.00no
NashvilleSergei PalmerN2238650$2,350.00$2,585.00$2,585.00$235.00no
New YorkMarina MakawiX0216925$1,392.00$1,624.00$232.00$232.00no
New YorkConnor SullivanX0919844$450.00$675.00$450.00$225.00no
New YorkWilda MartinezA0450779$450.00$675.00$450.00$225.00no
New YorkGerome GoodenB0905379$2,650.00$2,870.83$2,650.00$220.83no
TexasSara OsborneD2513160$2,650.00$2,870.79$2,649.96$220.79no
New YorkJarrett McleanX0219351$1,750.00$1,970.00$80.00$220.00no
New YorkApril StewartB1534294$1,950.00$2,166.66$1,950.00$216.66no
New YorkGennie VannA0916494$2,550.00$2,762.50$1,700.00$212.50no
New YorkMarc MeislahnP0398263$2,500.00$2,708.00$0.00$208.00no
New YorkArlenis LopezX0188829$2,350.00$2,550.02$1,858.35$200.02no
New YorkAmber McneilA1503575$2,550.00$2,750.00$800.00$200.00no
New YorkAna GomezB0907765$300.00$500.00$300.00$200.00no
New YorkAmy Dunlop - JohnsonA1144427$200.00$400.00$200.00$200.00no
New YorkRosa hernandezX0410282$3,700.00$3,900.00$2,114.28$200.00no
New YorkAbiba FofanaX0504574$300.00$500.00$0.00$200.00no
New YorkBriana DansbyP0276109$400.00$600.00$500.00$200.00no
New YorkChanel VasquezX0188110$200.00$400.00$200.00$200.00no
TexasCarol BroadwayH2424983$1,950.00$2,145.00$2,145.00$195.00no
New YorkAuneliz MendezX0152128$2,380.00$2,570.00$2,380.00$190.00no
TexasWilliam EvansD2080700$1,750.00$1,925.00$1,925.00$175.00no
New YorkJohanna SocamiaX0150518$1,550.00$1,725.00$0.00$175.00no
New YorkFrederick SengerB1139580$850.00$1,020.00$680.00$170.00no
New YorkZuri McDanielX0237306$150.00$320.00$660.00$170.00no
FloridaTrina DesouzaM0184557$2,780.00$2,948.75$2,780.00$168.75no
New YorkShakira J. ReedX0299663$2,650.00$2,811.11$2,650.00$161.11no
New YorkAngelina PolancoP0530489$160.00$320.00$160.00$160.00no
TexasAmya PierreH2798379$310.00$465.00$310.00$155.00no
BostonSofia FernandezT1691731$1,550.00$1,705.00$1,550.00$155.00no
New YorkKaren ClementeB0859939$150.00$300.00$602.00$150.00no
New YorkNourhan GamalA0697383$2,950.00$3,100.00$2,950.00$150.00no
New YorkEdmire Saint-PierreP0391449$2,750.00$2,900.00$2,750.00$150.00no
New YorkLiana SalazarX0201464$300.00$450.00$300.00$150.00no
FloridaMark AccolaM2202279$2,290.00$2,440.00$2,440.00$150.00no
FloridaVanessa FernandezM0138022$150.00$299.00$399.00$149.00no
New YorkLinda TejadaX0178181$2,380.00$2,520.00$2,800.00$140.00no
Texasandres HernandezD2070725$2,750.00$2,887.50$2,887.50$137.50no
New YorkMd AsifB0449390$1,050.00$1,181.25$1,050.00$131.25no
New YorkRonnie Hampton JrX0459588$1,250.00$1,375.00$1,375.00$125.00no
New YorkLesly VictotX0388487$2,350.00$2,475.00$0.00$125.00no
New YorkAngela MatikX0187538$335.00$447.68$335.50$112.68no
FloridaRaina SanchezM0138420$310.00$420.00$110.00$110.00no
New YorkKristina GrinmanX0220336$1,300.00$1,408.00$864.00$108.00no
FloridaSolange MenezesM1497943$3,500.00$3,607.35$1,458.30$107.35no
TexasKelsey PayneD2077802$2,550.00$2,656.25$2,550.00$106.25no
TexasSara CannonD2158714$1,050.00$1,155.00$1,155.00$105.00no
New YorkCori LarkX0220894$445.00$550.00$550.00$105.00no
New Yorkfantasya ruizX0197065$1,250.00$1,354.16$1,145.76$104.16no
TexasLeroy Zaller, Jr.H1515822$2,900.00$3,000.00$3,000.00$100.00no
New YorkAboubacar MaigaP2090622$500.00$600.00$600.00$100.00no
New YorkShameckah BlyeA1139063$3,500.00$3,600.00$3,300.00$100.00no
New YorkRosario CarranzaA1145615$650.00$750.00$550.00$100.00no
New YorkLarisa RosarioP0459919$800.00$900.00$800.00$100.00no
New YorkGabe MartaronP0392063$600.00$700.00$600.00$100.00no
New YorkInfinity GregoryX0293271$850.00$950.00$571.00$100.00no
New YorkMarinett VegasP0254322$1,225.00$1,325.00$1,300.00$100.00no
New YorkShakia DixonX0290291$2,250.00$2,350.00$187.50$100.00no
New YorkShawn BelykhX0252648$800.00$900.00$200.00$100.00no
New YorkSeyram AtadjaX0181007$1,200.00$1,300.00$1,300.00$100.00no
New YorkSymone RiveraX0150634$650.00$750.00$650.00$100.00no
FloridaKensman NoelM0273290$2,400.00$2,500.00$1,400.00$100.00no
FloridaEdgar VillalobosM0139321$2,040.00$2,140.00$2,140.00$100.00no
FloridaCandela OrioM0177842$1,900.00$2,000.00$2,000.00$100.00no
FloridaMaria LutinM0193612$2,700.00$2,800.00$450.00$100.00no
FloridaYaky CamposecoM0150236$2,400.00$2,500.00$100.00$100.00no
FloridaAndres CanasM0139270$300.00$400.00$300.00$100.00no
FloridaVanessa RizzoM0148128$200.00$300.00$100.00$100.00no
New YorkVICTORIA TranX0177458$199.00$298.50$0.00$99.50no
New YorkTeresa De Los SantosX0186133$1,250.00$1,341.66$916.66$91.66no
New YorkDaniel IovinoA1550292$550.00$641.65$550.00$91.65no
New YorkMubarak AhmadA0912108$3,550.00$3,640.00$2,618.24$90.00no
TexasLinda Anderson-KingD2265692$350.00$437.50$350.00$87.50no
TexasAlessandra MontoyaD1675615$1,700.00$1,786.00$1,526.00$86.00no
New YorkTamu BarnesX1589124$2,650.00$2,735.00$616.66$85.00no
New YorkNajah HinesX0184821$335.00$420.00$280.00$85.00no
FloridaLilliana MoralesM0758301$850.00$935.00$595.00$85.00no
TexasAndrew MatosD2936434$250.00$333.32$249.99$83.32no
TexasJacob NorrisH2260260$3,200.00$3,280.00$3,200.00$80.00no
New YorkTracy MonroeA0458630$310.00$390.00$390.00$80.00no
New YorkPedro CostaA1173533$1,300.00$1,379.00$1,060.00$79.00no
TexasOluwaseun Elizabeth OketokiD1687282$1,300.00$1,378.00$1,300.00$78.00no
New YorkGary TaylorP0275407$1,800.00$1,872.00$657.00$72.00no
TexasHien TaH1584947$850.00$920.83$708.30$70.83no
BostonNate ArthurT2094641$1,950.00$2,018.25$2,018.25$68.25no
TexasSara GhazyD2212265$400.00$466.67$466.67$66.67no
TexasVictoria BooneH1547821$1,975.00$2,040.00$1,685.00$65.00no
New YorkSitora KhakimovaX0151327$324.00$388.80$388.80$64.80no
New YorkJanelly HidalgoP2160624$320.00$384.00$192.00$64.00no
TexasBrittany YoungbloodH2089493$750.00$812.50$500.00$62.50no
New YorkAinur BereketovaX0150304$750.00$812.50$750.00$62.50no
New YorkShanan BogardX0275326$249.00$311.25$124.50$62.25no
FloridaJennifer WardM0707596$2,650.00$2,710.83$1,256.68$60.83no
TexasJosean TiradoD2204582$2,650.00$2,710.00$535.00$60.00no
New YorkVassiriki SoumahoroP2258851$310.00$370.00$310.00$60.00no
TexasRosemar CaicedoD2137034$350.00$408.33$408.33$58.33no
New YorkSophiaX0189552$440.00$495.00$55.00$55.00no
TexasDaisy CardozaD2434165$1,800.00$1,850.00$1,980.00$50.00no
TexasAngela EuseryD2081042$1,750.00$1,800.00$1,750.00$50.00no
TexasCharles KentD1510825$3,500.00$3,550.00$3,200.00$50.00no
TexasBreanna NickensD1545746$1,950.00$2,000.00$2,000.00$50.00no
BostonVanessa VasquezT2099709$150.00$200.00$200.00$50.00no
New YorkKledia MehmetiP2149303$3,100.00$3,150.00$3,150.00$50.00no
New YorkPedro NarvaezA1516265$3,450.00$3,500.00$1,000.00$50.00no
New YorkTori LucienB0821273$3,550.00$3,600.00$3,550.00$50.00no
New YorkYoussef EzzouhriB0915735$3,450.00$3,500.00$500.00$50.00no
New YorkGelisa WardenA1141905$310.00$360.00$150.00$50.00no
New YorkAnnie D LaibhenB0918734$3,550.00$3,600.00$1,200.00$50.00no
New YorkAwilda AlmonteB0697689$3,550.00$3,600.00$2,000.00$50.00no
New YorkTricia JohnsonP0399765$1,950.00$2,000.00$50.00$50.00no
New YorkDanielle NigroB0598980$3,550.00$3,600.00$1,183.32$50.00no
New YorkSherlette DuncanX0291135$1,950.00$2,000.00$2,000.00$50.00no
New YorkCaitlyn Winfield-ThiesP0505699$50.00$100.00$0.00$50.00no
New YorkHassan RazakP0410275$2,650.00$2,700.00$0.00$50.00no
New YorkTia MoniqueX0453814$600.00$650.00$50.00$50.00no
New YorkConnie YanzaP0391357$1,650.00$1,700.00$1,700.00$50.00no
New YorkHolga SalinasX0393878$950.00$1,000.00$1,000.00$50.00no
New YorkGiannia SchettiniP0304673$2,470.00$2,520.00$247.00$50.00no
New YorkGerson MaldonadoX0220887$600.00$650.00$450.00$50.00no
New YorkCienthia MooreP0390286$1,500.00$1,550.00$125.00$50.00no
New YorkKarma SaksoukX0294728$600.00$650.00$400.00$50.00no
New YorkNathanael ChevrinX0216294$850.00$900.00$900.00$50.00no
New YorkAlba RabeX0291314$1,450.00$1,500.00$1,500.00$50.00no
New YorkIsatou MybeX0272046$1,550.00$1,600.00$465.00$50.00no
New YorkMaria Teresa PizarroX0220319$300.00$350.00$300.00$50.00no
New YorkGenesis ColonX0180125$2,400.00$2,450.00$850.00$50.00no
New YorkKatherine AguirreX0201096$1,550.00$1,600.00$774.99$50.00no
New YorkFawzia KheirX0192736$350.00$400.00$360.00$50.00no
New YorkDanny TurkenitzX0200569$1,300.00$1,350.00$1,300.00$50.00no
New Yorkvalerie railfordX0187217$1,450.00$1,500.00$1,500.00$50.00no
New YorkSusan DuMontX0199336$2,825.00$2,875.00$2,875.00$50.00no
New YorkNafisa AktarX0147798$300.00$350.00$300.00$50.00no
New YorkNerissa Alicia GopaulX0180140$400.00$450.00$100.00$50.00no
FloridaKanyon WeldonM2150225$1,550.00$1,600.00$310.00$50.00no
FloridaEliadys Luis VilaM0805880$3,450.00$3,500.00$766.66$50.00no
FloridaLeShay BernsteinM0524171$1,950.00$2,000.00$1,950.00$50.00no
FloridaDOROTHY SIMMONDSM0294777$3,550.00$3,600.00$3,600.00$50.00no
FloridaIdali VargasM0400288$3,450.00$3,500.00$3,450.00$50.00no
FloridaTanya KnothM0385007$450.00$500.00$300.00$50.00no
FloridaDeijone BeverlyM0139827$1,800.00$1,850.00$1,650.00$50.00no
FloridaFelicia HicksM0148221$1,550.00$1,600.00$709.00$50.00no
FloridaSanaa MuseediM0216879$850.00$900.00$0.00$50.00no
FloridaAaron RogersM0189507$2,400.00$2,450.00$1,000.00$50.00no
FloridaValerie madrigalM0152009$1,950.00$2,000.00$2,000.00$50.00no
FloridaKatia Ledea // Jose LedeaM0137879$410.00$460.00$420.00$50.00no
FloridaJacquez JosephM0178806$2,500.00$2,550.00$2,550.00$50.00no
New YorkPeter GusteA0904528$3,550.00$3,599.98$3,550.00$49.98no
FloridaLaneka WalkerM0398711$3,550.00$3,599.98$2,050.00$49.98no
New YorkCelinez MartinezB1140533$580.00$628.33$96.66$48.33no
BostonVanety CruzT2096860$950.00$997.50$997.50$47.50no
New YorkDevin BowskyX0193451$380.00$427.50$380.00$47.50no
New YorkRandy SilvaP0254269$405.00$450.00$278.00$45.00no
New YorkRamazan IsliamovB1553440$250.00$291.70$250.00$41.70no
New YorkGreys SantosX0188822$2,300.00$2,341.69$1,150.02$41.69no
TexasJacqueline LackerD2259440$400.00$440.00$440.00$40.00no
TexasDeKeydren HuckabyD1587252$310.00$350.00$310.00$40.00no
New YorkSeakwon WilsonX1632652$360.00$400.00$360.00$40.00no
New YorkMelanie OjedaX0151919$300.00$337.50$225.00$37.50no
TexasAutumn FickensherD1677203$1,750.00$1,786.46$1,750.00$36.46no
New YorkBeabek BayarresX0203295$1,070.00$1,106.00$856.00$36.00no
New YorkLaverne ReidX0295352$810.00$844.00$243.00$34.00no
FloridaConnie MontijoM0148232$400.00$434.00$467.00$34.00no
New YorkTiara CrockerA0630644$2,600.00$2,633.00$2,383.00$33.00no
New YorkMaurine OtienoB0914143$290.00$322.00$190.00$32.00no
TexasJosh Phillips ( Legal Guardian)H2733928$310.00$341.00$310.00$31.00no
TexasDillon MillsD2169742$2,550.00$2,580.00$2,580.00$30.00no
New YorkLuna EcheverryP2115527$2,550.00$2,580.00$2,580.00$30.00no
New YorkChristianaB0449992$400.00$430.00$0.00$30.00no
New YorkJames McDanielP1602375$310.00$335.83$335.83$25.83no
New YorkElliot ThomasX0522168$2,850.00$2,875.00$0.00$25.00no
FloridaDulce FloresM0602566$2,650.00$2,675.00$220.83$25.00no
FloridaFrederick StanleyM0147334$275.00$300.00$50.00$25.00no
FloridaDee CharlesM0806888$2,650.00$2,670.83$1,563.87$20.83no
TexasFallon PresleyH2252281$200.00$220.00$220.00$20.00no
New YorkCourtnie-Ann ThompsonA0914416$3,550.00$3,570.00$1,200.00$20.00no
New YorkMrs. CarsonX0389179$2,470.00$2,490.00$988.00$20.00no
New YorkBasilia NegronX0179929$440.00$460.00$110.00$20.00no
TexasKyree VasquezH2161919$320.00$336.00$336.00$16.00no
FloridaMedardo NunezM0216959$310.00$325.00$325.00$15.00no
New YorkHeisel RosalesP0291177$2,250.00$2,262.50$2,062.50$12.50no

Neil asked whether the payments line up. For every agreement the CRM records a figure for finance paid; the Square series has its own record of what it collected. One row per agreement, compared.

25,184 of 37,375 agree to within $10 — 67.4%.

Agreements compared
37,375
with both a Square series and a ledger row
Agree within $10
67.4%
25,184 agreements
CRM shows more paid
10,105
$7,141,971 the series never took
Series took more
2,086
$689,988 the CRM does not show
A gap is not automatically an error, and this is the caveat to read before quoting any of it. The CRM figure counts every finance payment however it arrived; the series only knows about its own invoices. A collector keying a card at the studio location, a customer paying a link, a bank transfer, cash — all of it raises the CRM figure without touching the series. So "CRM shows more paid" is the expected direction, and it matches how the book is actually worked. The other direction is the one worth looking at: money the series collected that the CRM does not show against the finance.

How big are the disagreements?Bucketed on the size of the gap whichever way it runs.

GapAgreementsCRM aheadSeries aheadMoney in the gap
Exact to the cent25,110 67.2%00$0
Within $1074 0.2%3638$331
$10 to $1001,855 5.0%1,451404$126,625
$100 to $5006,034 16.1%4,6271,407$1,610,026
$500 to $2,0003,344 8.9%3,093251$3,502,941
Over $2,000958 2.6%93424$2,592,368
TOTAL37,37510,1052,086$7,832,290

By cityThe same comparison per Square recurring account.

CityAgreements comparedAgree within $10Money in the gap
Texas8,1986,197 75.6%$995,506
New York15,6519,507 60.7%$4,425,666
Florida7,1464,459 62.4%$1,852,537
Boston3,2232,497 77.5%$324,392
Nashville2,0301,615 79.6%$159,880
Chicago1,127909 80.7%$74,309

Biggest gaps — the series collected more than the CRM recordsSquare took the money; the ledger does not show it against the finance. These are the ones worth checking.

CityCustomerRefFinancedCRM paidSeries collectedGapBalance
New YorkSamantha HoP0799785$0.00-$4,400.00$0.00-$4,400.00$0.00
New YorkVeronica LopezP2495903$3,150.00$315.00$4,313.00-$3,998.00$2,835.00
New YorkAida RexhaB1143098$2,950.00-$1,000.00$2,950.00-$3,950.00$3,950.00
New YorkJerry FerminA0524241$438.00-$3,662.00$0.00-$3,662.00$0.00
FloridaKenia GonzalezM0833167$3,550.00$0.00$3,550.00-$3,550.00$3,550.00
New YorkBrianna EaganA1141729$3,500.00$100.00$3,500.00-$3,400.00$0.00
New YorkJennifer Van HalaB0909159$3,450.00$50.00$3,450.00-$3,400.00$0.00
New YorkYoucef MezghicheB2072874$3,250.00$0.00$3,250.00-$3,250.00$3,250.00
TexasMegan LakeyH2224616$3,200.00$0.00$3,200.00-$3,200.00$3,200.00
FloridaCherlandina CheryM0809068$0.00-$3,100.00$0.00-$3,100.00$5.00
TexasFrank OkoyeH1696666$3,000.00$0.00$3,000.00-$3,000.00$3,000.00
FloridaLorena BezerraM2855951$2,600.00$0.00$2,950.00-$2,950.00$2,600.00
FloridaZoila CruzM1631010$950.00-$2,000.00$950.00-$2,950.00$2,950.00
FloridaRoberta FabianiM1555833$2,950.00$0.00$2,950.00-$2,950.00$2,950.00
FloridaDaniel MayM0602977$2,600.00$0.00$2,600.00-$2,600.00$2,600.00
BostonAndrea HowarthT1601733$3,150.00$315.00$2,835.00-$2,520.00$2,835.00
BostonPaulo PachecoT2142432$2,950.00$450.00$2,950.00-$2,500.00$0.00
New YorkDanae NoonanX0400562$0.00$0.00$2,460.00-$2,460.00$0.00
TexasJana GraggH1551854$2,450.00$0.00$2,450.00-$2,450.00$2,450.00
FloridaDonovan ArmasM2138518$2,450.00$0.00$2,450.00-$2,450.00$2,450.00
TexasMegha R BhavaleH2604344$3,150.00-$485.00$1,890.00-$2,375.00$3,635.00
FloridaLisa PASSM1556125$3,295.00$1,050.00$3,295.00-$2,245.00$0.00
TexasBrittany StuartH2133222$2,600.00$217.00$2,383.00-$2,166.00$2,383.00
FloridaMichael LeopoldM1554454$2,500.00$416.66$2,499.96-$2,083.30$2,083.34
TexasJacob MosierD2947637$1,750.00-$2,000.00$0.00-$2,000.00$2,000.00
New YorkMelanie TiradoB1689707$2,000.00$0.00$2,000.00-$2,000.00$2,000.00
New YorkShkmbim KosovrastiB0596847$1,400.00-$2,000.00$0.00-$2,000.00$0.00
FloridaZoe JarvisF3860183$1,950.00-$2,000.00$0.00-$2,000.00$3,950.00
FloridaJoshua Akeem JarbathM2511433$1,950.00-$1,805.00$195.00-$2,000.00$3,755.00
ChicagoCypher EasonC2882382$1,500.00-$1,875.00$125.00-$2,000.00$3,375.00
New YorkTashane ThompsonA0523239$1,949.00$0.00$1,949.00-$1,949.00$1,949.00
New YorkDiana NyarkoP0501932$2,450.00$0.00$1,875.00-$1,875.00$2,450.00
New YorkIbrahim FayeP0299607$400.00$0.00$1,800.00-$1,800.00$400.00
New YorkMaureen AzonucheA0831080$3,550.00$0.00$1,775.00-$1,775.00$3,550.00
TexasFae AllenD2853500$1,700.00$0.00$1,700.00-$1,700.00$1,700.00
New YorkNick CasaleB0642642$3,400.00$0.00$1,700.00-$1,700.00$3,400.00
New YorkRaulin CastilloX0450970$1,700.00$0.00$1,700.00-$1,700.00$1,700.00
New YorkVusimuzi Sifelani MaficoA0918405$1,750.00$583.32$2,187.49-$1,604.17-$1.14
FloridaMaricet RodriguezM0834149$3,300.00$1,700.00$3,300.00-$1,600.00$0.00
BostonShannon FayeT2108009$1,550.00$0.00$1,550.00-$1,550.00$1,550.00

Biggest gaps — the CRM records more paid than the series collectedExpected wherever money was taken off the invoice rail. Shown so the size of that flow is visible rather than assumed.

CityCustomerRefFinancedCRM paidSeries collectedGapBalance
New YorkRoxanne YoungX0801115$3,500.00$4,200.00$0.00$4,200.00-$700.00
New YorkMadison (Maddie) PaganB1588941$3,950.00$3,950.00$0.00$3,950.00$0.00
New Yorksophia royerB0836626$3,950.00$3,950.00$0.00$3,950.00$0.00
New YorkAndrea SprayP0504698$3,950.00$3,950.00$0.00$3,950.00$0.00
New YorkAlexandra CastilloP0595688$3,850.00$3,850.00$0.00$3,850.00$0.00
FloridaTara DoughertyM0408106$0.00$3,950.00$216.66$3,733.34$0.00
BostonAustin DavisT2790889$3,950.00$3,950.00$245.83$3,704.17$0.00
FloridaTeresa TapanM0399159$3,850.00$3,850.00$180.00$3,670.00$0.00
FloridaJulius GordonM1559105$3,550.00$3,846.66$295.83$3,550.83-$296.66
TexasMartin JenewayH1674573$3,550.00$3,550.00$0.00$3,550.00$0.00
TexasHayward PettisD1518589$3,550.00$3,550.00$0.00$3,550.00$0.00
TexasAmy PickettH1539297$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkMareama BarryX1685859$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkJessica Fernandez- Amya Fernandez (model)B1702951$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkYenny RosarioB1629296$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkBreanna FarrellX1639966$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkJonathan HalesB1682854$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkMelissa SmithA1499586$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkPrakriti kunwarP0923033$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkKeisha GuevaraA0906762$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkDanielle NuscisA0915745$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkDesireeA0755556$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkCatilin MurphyB0916861$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkShevonese RaffingtonB0906143$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkMarie MoiseA0843435$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkTimothy SmithA0476349$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkRachel Logan-TobierreA0831551$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkEdith Alvey HellebyB0510776$3,550.00$3,550.00$0.00$3,550.00$4.55
New YorkChristopher GreenP0861900$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkJoy GayA0703636$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkRoseLourdes DesirX0758971$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkNatara FonsecaP0509044$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkCharlotteA0799125$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkFelix M. RojasP0526481$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkKimberly CashwellP0755086$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkSandra EsperaB0691313$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkMaria A PerezX0700714$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkLuisa SantanaA0737096$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkMargaret RymerX0604200$3,550.00$3,550.00$0.00$3,550.00$0.00
New YorkGrisella PinaA0692368$3,550.00$3,550.00$0.00$3,550.00$0.00

What is counted

Every invoice in the six Square recurring locations — 420,170 of them, pulled 2026-09-17 10:06 UTC — grouped into 63,803 series by invoice number (00445958-R-0001, -R-0002… are one series). 10,660 have an invoice scheduled ahead of today, which is what "still billing" means here; 26,520 more belong to an agreement that owes nothing and have already stopped — that is the billing working correctly.

The join is exact. Every recurring invoice carries the CRM agreement reference in its title — D3845375 is the Debtor Ledger's own ref. 62,367 of 63,803 series joined (97.7%); 1,436 did not and are excluded from every money figure rather than guessed at. No name matching and no phone matching is used anywhere in this report.

Owes nothing means a ledger balance of $10 or less (finance - paid - credits). The $10 tolerance is the one the debt pages use: 2,405 ledger rows carry paid in full = Yes with a residual under $10, and a cent-exact test would call every one of them a debtor. The real balance is printed against every row, so a $10 residual is never hidden behind the word "settled".

Over-charging means the NEXT charge is more than the balance, by more than the same $10. Only the next invoice counts, because that is all Square holds. The opposite shape — a balance bigger than the charge — is the ordinary state of anyone who has missed a cycle and is not a leak: a missed invoice is never re-billed, so the arrears sit there with no invoice left to collect them.

The ledger was last pulled 2026-09-17 10:32 UTC. A payment taken since then is not in these numbers, so an agreement settled today shows up tomorrow. That direction is safe — it misses a few, it invents none — and every row on the list is re-read live from the CRM anyway.

The second opinion

Every row on the list is re-read live from the booking’s own finance schedule in the CRM (PaymentUIClass.loadByBooking) as the list is built, and its Total Outstanding footer has to agree with the ledger balance. 35 of 35 agreed, 0 disagreed and 0 could not be read. Disputed rows stay on the list, marked, rather than being dropped. This step is a read; it changes nothing.

Why a person has to do the closing

Re-verified against the live accounts on 17 Sep 2026 rather than taken from notes:

The two things the API could do — and why neither is switched on

What this cannot tell you