Payables and Cash Management - EBS (MOSC)

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Does any one come across requirement from Kuwait Customers on ' 5% Retainage" functionality?

We have Retainage Functionality in Oracle EBS, but is it possible to use this functionality without creating a 'Complex PO" Document?

Unless the Invoices are matched to PO, cant we invoke this feature? In such case how can we manage the Manually Entered Invoices?

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