Collections & dunning

AI collections agent that chases, calls and collects every overdue invoice

An AI collections agent does the job a collections clerk does, only it never forgets to follow up, never runs out of patience, and works every overdue invoice at once. Instead of a person juggling a reminder tool, a phone and a spreadsheet, one agent runs the entire collections desk for you.

AccountsReceivable.ai is that agent. It chases every open invoice across email, SMS and live AI phone calls in your voice, logs each promise-to-pay, applies incoming payments to the right invoice, reconciles your ledger, and predicts when each customer will pay. It connects to QuickBooks, Xero or NetSuite, runs on a flat monthly fee, and never takes a cut of what it collects.

Works inside QuickBooks, Xero & NetSuite Flat monthly fee · no cut of collections

Connect · chase · apply cash · DSO down

Collections Desk

Sample data

Your books

Works with QuickBooks, Xero & NetSuite.

Collected / wk

Outstanding

AR aging

Current · 30 · 60 · 60+ · paid

Open invoices

Agent worklog

Live

Put this AR on autopilot to watch the agent chase, collect and reconcile.

Dunning sequence

1 Email

2 SMS

3 Call

4 Promise

Paid

Live, interactive · no card, no connection needed

DSO → collected invoices cleared

Flat monthly fee · we never take a cut of what we collect · works inside your accounting system

QUICKBOOKS XERO NETSUITE

Flat fee no cut of collections

Bank-grade security

Why it works

What your team gets with AI collections agent

Works every invoice at once

The agent chases your whole aging report in parallel, so collections never stall behind a busy week or a missed follow-up.

Calls when email goes quiet

When reminders are ignored, the agent escalates to a live AI phone call, the step most tools leave to a person.

Applies the cash itself

Incoming payments are matched to invoices and reconciled automatically, so the moment a customer pays, the chase stops.

What it handles

Chased, collected and reconciled on autopilot

The agent syncs your invoices, chases each one across email, SMS and phone, applies incoming payments to the right invoice, reconciles your ledger, and predicts when every customer will pay.

Chases every overdue invoice across email, SMS and live AI calls
Captures and follows up on every promise-to-pay
Applies incoming payments and reconciles your ledger
Predicts a pay date for every open invoice
Runs on a flat fee with no percentage of collections

ON EVERY INVOICE In order

01 Sync Reads the open invoice, its terms and the billing contact from your ledger.
02 Chase Escalates from email to SMS to a live AI call as the invoice ages.
03 Track Logs replies, disputes and promise-to-pay dates against the invoice.
04 Apply Matches the incoming payment, reconciles the ledger and closes the invoice.

Nothing sent without your approved tone

How it compares

An AI collections agent against the alternatives

The four realistic ways a US business chases its overdue invoices. Verified August 2026.

Approach	Who does the chasing	Phone follow-up	Applies the cash	Cost model
A person on your team	Your AR clerk or office manager, between other duties	Yes, when there is time	Yes, manually	Salary, and the first thing dropped in a busy month
AR automation platform	The platform sends email, a person works the queue	No, handed to your team	Usually yes, as a separate module	Subscription by invoice volume, users or modules
Collection agency	Their collectors, after the account is already distressed	Yes	No, you reconcile afterwards	A percentage of what is recovered, commonly a large one
AccountsReceivable.ai	The agent, on every open invoice at once	Yes, a live AI phone call once email and SMS are ignored	Yes, and chasing stops the moment it posts	Flat monthly fee, no seats, no cut of collections

Why AccountsReceivable.ai

One agent that runs the whole receivables job

Not a reminder tool, not a six-figure suite, and not an agency that takes a cut. Chase, collect, apply cash and forecast in one place, on top of the accounting system you already use.

Chases every invoice

The full dunning sequence runs on autopilot across email, SMS and live AI phone calls, polite and on-brand, so no overdue invoice slips through.

Applies the cash

Incoming wires and ACH batches are matched to the right invoices automatically, so your ledger reconciles and you never chase an invoice that already paid.

Cuts your DSO

A predicted pay date for every open invoice and steady follow-up bring DSO down week over week, so more cash lands when you need it.

Good questions

Questions about AI collections agent

Last updated August 2026

It runs the collections job end to end. AccountsReceivable.ai chases every overdue invoice across email, SMS and live AI phone calls, tracks promises to pay, applies incoming cash to the right invoice, reconciles, and forecasts pay dates, so a lean team collects like a much larger one.

Yes. The agent follows up in your brand voice, staying professional and escalating gracefully by invoice age, so the relationship survives the follow-up while the invoice still gets paid.

The agent reads your open invoices from the accounting system, decides which need chasing and in what order, sends the follow-up on the right day, escalates channel when it is ignored, records any promise to pay, then applies the payment when it arrives and closes the invoice. A person only sees genuine exceptions.

Yes, and the shift is mostly about who performs the work rather than what the software knows. Traditional AR tools prioritize a worklist for a human collector. An agent executes the outreach itself, which matters most to teams that never had a dedicated collections person to hand a worklist to.

Only within the rules you set. You define at what invoice age a call is allowed, which accounts are excluded, and what the agent may say. Most teams keep their largest accounts on email only and let the agent call the long tail of smaller invoices that never got followed up at all.

AR automation platforms are built to organize collections work for a person to do. An AI collections agent is built to do that work. If you have a credit and collections team who are good at their jobs and just need better tooling, a platform is the right buy. If nobody is chasing at all, a platform gives you a tidier list of invoices nobody is chasing.

For most small teams it fills a job nobody was doing rather than replacing a person. The routine chasing, the promise tracking and the cash application move to the agent, and whoever handled AR keeps the parts that need judgment: disputes, payment plans, credit decisions and the relationships that matter.

Read every accounts receivable question

Explore more

More ways finance teams collect with AccountsReceivable.ai

See every AR use case See AR pricing Back to the AI AR agent

Stop chasing invoices. Put your receivables on autopilot.

Connect your accounting system and the agent chases every invoice, applies the cash and cuts your DSO. Flat monthly fee, and we never take a cut of what we collect.

See pricing

Works with QuickBooks, Xero and NetSuite · bank-grade security · no percentage of collections