AccountsReceivable.ai
How it works
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Collections & dunning

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

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AI collections software chases overdue invoices for you instead of giving a person a list to chase. It decides which accounts need contact today, sends the follow-up, escalates when it is ignored, records what the customer promised, and applies the payment when it lands. The newer generation, an AI collections agent, goes further and performs the outreach itself rather than queueing it for a person to run.

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.

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

Connect · chase · apply cash · DSO down

Collections Desk

Your books

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
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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
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ON EVERY INVOICE In order
  1. 01 Sync Reads the open invoice, its terms and the billing contact from your ledger.
  2. 02 Chase Escalates from email to SMS to a live AI call as the invoice ages.
  3. 03 Track Logs replies, disputes and promise-to-pay dates against the invoice.
  4. 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

Swipe the table sideways to see every column

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

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.
AI collections software uses machine learning to decide who to chase, when, on which channel and with what message, instead of running a fixed reminder schedule for everyone. It scores accounts by likely payment behavior, prioritizes the invoices where contact will actually move cash, and drafts or sends the outreach itself.
For enterprise volume and deductions, HighRadius. For cross-customer payment behavior data and autonomous calling, Sidetrade. For extracting payment promises out of email replies, Tesorio. For a small team with no collections headcount that wants email, SMS and live phone chase on one flat fee, AccountsReceivable.ai. Match the tool to whether you have collectors already.
An ERP collections module stores the ledger, flags what is overdue and gives someone a worklist. It does not decide priority from payment behavior, write the message, escalate channels, or place a call. AI collections software adds the judgment and the execution on top of the ledger your ERP already keeps.
Almost none do. Quadient AR, Versapay, Billtrust, HighRadius, Gaviti, FIS GETPAID and Tesorio all stop at email and portal messaging. Sidetrade is the one major exception, with its Aimie agent placing autonomous outbound calls. We place live AI calls as the third step, after email and SMS have been ignored.
Chasing your own commercial invoices is first-party collection, which sits outside the federal FDCPA rules that govern third-party debt collectors pursuing consumer debt. State law, calling-hour limits and TCPA rules on automated contact still apply, so keep consent records, honor opt-outs, and confirm the specifics with your own counsel.
Most vendors quote rather than publish. Contract data from Vendr puts Tesorio around a $17,000 median annual contract and Versapay around $36,800. HighRadius moved to outcome-based pricing in February 2026. Collection agencies instead take a percentage of recoveries. We charge a flat monthly fee, so collecting more never costs you more.
The first effect shows up within one full billing cycle, because invoices that previously got no follow-up start getting chased immediately. Meaningful DSO movement usually takes two to three cycles, once the escalation cadence is tuned and the backlog of never-chased invoices has cleared.
Read every accounts receivable question

Explore more

More ways finance teams collect with AccountsReceivable.ai

Collections automation software

The collections desk on autopilot, across every channel.

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Dunning management software

A full dunning sequence that escalates email to SMS to call.

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Invoice collection software

Chase and collect unpaid invoices without lifting a finger.

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

Go deeper

Related pages on collections

Collections automation software

The broader collections category, including platforms that queue the work for a human collector.

Read the comparison

B2B collections software

What changes when you are chasing businesses on net terms rather than consumers.

Read the comparison

AI accounts receivable software

AI across the whole receivable, not just the collections step.

Read the comparison

Dunning management software

The reminder cadence itself, and how to sequence escalation before a call.

Read the comparison

Automated payment reminders

The email and SMS layer on its own, if you are not ready for phone escalation.

Read the comparison

Automated collection calls

How AI voice collection calls work, what they may legally say, and who else offers them.

Read the comparison

Collections call script

The script structure a collector uses, which is what the agent is trained on.

Read the comparison

Outsourced accounts receivable

The people-based alternative, and what a percentage-of-recovery model really costs.

Read the comparison

Accounts receivable outsourcing companies

How a rented AR team compares with an agent on price, control and who talks to your customers.

Read the comparison

Sidetrade alternative

The closest competitor on live collection calls, compared feature by feature.

Read the comparison

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.

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