Collections & dunning

B2B collections software built for net terms and trade credit

B2B collections is its own discipline. You are dealing with accounts payable departments, purchase orders, net terms and approval cycles, not a consumer with a credit card. Generic reminder tools miss that nuance, and the result is invoices that sit in someone AP queue for weeks.

AccountsReceivable.ai is built for B2B receivables. It chases the right contact in your customer AP process, follows up across email, SMS and live AI phone calls, handles promise-to-pay and remittance questions, and applies batch payments to the right invoices. It speaks the language of trade credit, so your business customers get paid up without your team living in the follow-up.

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 B2B collections

Built for AP cycles

The agent follows up the way businesses actually pay, chasing the right AP contact and handling net terms instead of treating every customer like a consumer.

Handles trade credit

Purchase order references, partial payments and remittance questions are managed in the flow, so B2B invoices clear without manual back-and-forth.

Protects the account

Polite, on-brand follow-up keeps important business relationships intact while still getting the invoice paid.

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 the right AP contact at each business customer
Handles net terms, PO references and partial payments
Escalates across email, SMS and live AI phone calls
Applies batch ACH and wire payments to invoices
Keeps tone professional to protect trade relationships

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

The three realistic ways to collect B2B invoices

An in-house collector, a collection agency, or an agent. Compared honestly, including what each one costs you.

How you collect	An in-house collector	A collection agency	AccountsReceivable.ai
What it costs	Salary plus benefits	Typically 10 to 30 percent of what is recovered	Flat monthly fee, no cut of collections
When it engages	From day one, if there is time	Usually only badly aged debt	Every invoice from the due date
Coverage	Only the accounts one person can reach	Only the accounts you place	Every open invoice, in parallel
Channels used	Email and phone	Letters and phone	Email, then SMS, then a live AI call
Who contacts your customer	Your team, in your voice	A third party, as a debt collector	The agent, in your brand voice
Net terms and PO handling	Yes, manually	Limited	Yes, PO references and partial payments
Cash application	Manual matching	Not included	Automated, short-pays flagged
Scaling with invoice volume	Needs another hire	Needs more placements	Same flat fee
Best suited for	Steady, moderate invoice volume	Recovering debt you had written off	Stopping debt from aging in the first place

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 B2B collections

Last updated August 2026

B2B invoices move through an accounts payable process with terms, approvals and remittance steps. The agent is built for that, chasing the right contact, handling PO references and partial payments, and keeping the tone professional so the trading relationship stays healthy.

Yes. You set the terms per customer and the agent times its reminders and escalation around the due date, including a pre-due nudge, so invoices on longer terms still get followed up the moment they age.

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