Collections & dunning
Collections automation software that does the chasing for you
Collections is the part of AR nobody enjoys. The reminders, the awkward follow-ups, the calls that never get returned. Most collections automation 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.
Connect · chase · apply cash · DSO down
Your books
Collected / wk
Outstanding
AR aging
Current · 30 · 60 · 60+ · paid
Agent worklog
LivePut this AR on autopilot to watch the agent chase, collect and reconcile.
Dunning sequence
Live, interactive · no card, no connection needed
Flat monthly fee · we never take a cut of what we collect · works inside your accounting system
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
- 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.
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 |
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
Last updated August 2026
Explore more
More ways finance teams collect with AccountsReceivable.ai
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.
Works with QuickBooks, Xero and NetSuite · bank-grade security · no percentage of collections