Block Order processing if customer has not paid invoices

Summary:

We have a requirement to temporary block or suspend order processing if customer has not paid invoices. The number of amount of outstanding due should be configured as per business rule.

This is not a credit hold if order amount exceeds a defined credit limit.

User should get a manual review option to proceed or discard the recommendation.

I know we could probably build an OM extension to get this done.

However do we have a standard OM-AR product feature based mechanism to introduce a review step in the process similar to OM credit hold? Would Credit Management be an option?