AccountsReceivable.ai
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Collections & dunning

Accounts receivable collections software: automated collections software that chases every overdue invoice

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Collections is the part of AR nobody enjoys. The reminders, the awkward follow-ups, the calls that never get returned. Most AR collections software helps with the email and stops there, so the hard channels, the calls and the persistence, still land on a person.

AccountsReceivable.ai automates collections the way a great collector would run them. It works every overdue invoice across email, SMS and live AI phone calls, stays polite and on-brand, logs every promise-to-pay, and applies the cash the moment it lands. You get a full collections desk that runs around the clock for a flat monthly fee, and never takes a percentage of what it brings in. It is AI collections software in the literal sense: the agent does the chasing itself rather than handing your team another queue to work.

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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 collections automation

Every channel, every invoice

Email, SMS and live AI phone calls run together so an overdue invoice is followed up the way a person would, not just emailed once and forgotten.

On-brand, never aggressive

The agent stays polite and professional in your voice, escalating gracefully, so your customer relationships survive the follow-up.

Cash applied as it lands

Payments are matched to invoices automatically, so the moment a customer pays, the chasing stops and the ledger updates.

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.

  • Works every overdue invoice on a smart cadence
  • Escalates email to SMS to a live AI phone call as invoices age
  • Logs promise-to-pay dates and follows up on them
  • Applies incoming cash and stops chasing paid invoices
  • Flat monthly fee with no commission on 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

Four ways to run collections, and what each one actually costs you

Most teams pick one of these. The trade-off is rarely about features, it is about who does the chasing and what you pay for it.

Capability In-house collector Email reminder tool Collection agency AccountsReceivable.ai
Chases by email Yes, manually Yes, automated Yes Yes, automated
Chases by SMS Rarely Rarely Sometimes Yes
Makes phone calls Yes No Yes Yes, live AI calls
Escalates as an invoice ages If they have time No Yes Automatically
Applies incoming cash Manual No No Automated
Keeps the customer relationship Yes Yes Often strained Yes, tone you set
Works the whole ledger, not just the worst accounts Limited by headcount Yes No, placed accounts only Yes
Cost model Salary plus benefits Per user or per invoice Percentage of what is recovered Flat monthly fee

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 collections automation

Accounts receivable collections software automates the follow-up on invoices that are past due. It watches your ledger for overdue invoices, sends reminders on a schedule, escalates as the invoice ages, records promise-to-pay commitments, and stops chasing as soon as the payment clears. The better tools also apply incoming cash back to the correct invoice automatically.
The right answer depends on where your process breaks. If invoices go out fine and simply get ignored, pick a tool that escalates beyond email into SMS and live phone calls, because a fourth email rarely works. If your problem is unapplied cash, prioritize match rates instead. Test any shortlist against one real month of your own overdue ledger.
It connects to your accounting system, reads open invoices and due dates, then runs a cadence per invoice: a reminder before the due date, a follow-up after it, and escalating contact as the invoice ages. Every message, reply and promise-to-pay is logged against the account, and payment data flows back so paid invoices drop out of the sequence.
You need a tool that reads payment status live rather than on a nightly export, otherwise customers get chased after paying. AccountsReceivable.ai runs escalating sequences across email, SMS and live AI phone calls, applies incoming cash as it lands, and drops an invoice from the cadence the moment it clears. It connects to QuickBooks, Xero, NetSuite and Sage in days.
No. You set the tone, and the agent stays polite and on-brand, escalating gradually from a gentle reminder to a firmer follow-up. You can review and approve how it communicates, so it protects the relationship rather than straining it.
Yes. The agent places live AI phone calls in addition to email and SMS, handles the conversation, records promise-to-pay outcomes, and follows up. The calls are part of the same automated sequence, not a separate manual step.
Most vendors quote per user, per invoice volume, or as a percentage of what they recover, and few publish list pricing. A percentage model gets expensive precisely when it works well. AccountsReceivable.ai charges a flat monthly fee with no seats and no commission on collections, so the cost does not rise as the agent recovers more cash.
Good ones do, and the depth of that connection matters more than the logo on the integrations page. Ask whether the sync is live or a nightly export, and whether payment status flows back automatically. AccountsReceivable.ai connects to QuickBooks, Xero, NetSuite and Sage in days, with no implementation project.
An agency takes over accounts you have largely given up on, usually keeps 20 to 50 percent of what it recovers, and the relationship with that customer rarely survives. Collections automation works your entire ledger from day one to keep invoices from ever reaching that point, on a fixed fee, in your own brand voice.
Read every accounts receivable question

Explore more

More ways finance teams collect with AccountsReceivable.ai

Dunning management software

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

Learn more

Invoice collection software

Chase and collect unpaid invoices without lifting a finger.

Learn more

B2B collections software

Built for trade credit, net terms and B2B buyers.

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

Go deeper

Related pages for the rest of the receivables cycle

AI collections software

The AI-led version of the same job: an agent that performs the outreach instead of queueing it for a person.

Read the comparison

Customer payment portal for B2B invoices

What a buyer portal fixes, what it does not, and how to get customers to actually log in.

Read the comparison

Dunning management software

The escalating reminder sequence on its own, if that is the specific piece you are shopping for.

Read the comparison

B2B collections software

The same job framed for net terms and trade credit rather than consumer balances.

Read the comparison

Automated payment reminders

The lighter-touch end: reminders before and just after the due date.

Read the comparison

Cash application software

Matching the cash once it arrives, so nobody chases a customer who already paid.

Read the comparison

Credit management software

Deciding who gets terms in the first place, upstream of any collections work.

Read the comparison

Best AR automation software

The wider category roundup if a full platform is also on your shortlist.

Read the comparison

Accounts receivable outsourcing companies

What outsourcing collections to a BPO firm or an agency costs, and when software is cheaper than renting a team.

Read the comparison

Sidetrade alternative

Sidetrade is the one major vendor that also places outbound collection calls. Here is the comparison.

Read the comparison

Growfin alternative

Where Growfin fits, and where a platform that makes the call fits better.

Read the comparison

Growfin competitors

How the collections-CRM approach compares with cadence-driven tools.

Read the comparison

Upflow alternative

Upflow organizes the collections workflow. The case for a tool that works it.

Read the comparison

Gaviti competitors

Collections platforms compared on named connectors, pricing and SMS.

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