Collections & dunning

Credit management software that collects the terms it sets

Most credit management software is a filing cabinet with opinions. It stores a credit limit, a payment term and a risk score, and it will tell you when a customer breaches one. Then it stops, and the part that actually protects the money, calling the customer who is 40 days late and 90% of the way through their limit, lands back on whoever has time. Which, at most mid-market companies, is nobody.

AccountsReceivable.ai treats credit control as one job rather than two. It watches every customer balance against the terms you set, tracks how each account actually pays versus how it promised to, and then does the enforcing itself: chasing every overdue invoice across email, SMS and live AI phone calls, applying the cash that comes in, and flagging the accounts whose behavior says the risk is changing before the write-off does. You keep the credit policy. The agent keeps it honest, on a flat monthly fee with no percentage of what it collects.

Connect · chase · apply cash · DSO down

Collections Desk

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 credit management software

Terms that enforce themselves

A credit limit only means something if someone acts when it is breached. The agent watches every balance against its terms and starts chasing the moment an invoice ages past them, so enforcement does not wait for a monthly review that keeps getting pushed.

Risk you can see coming

The strongest signal that a customer is in trouble is not a credit bureau file, it is that they used to pay in 32 days and now they pay in 61. The agent tracks payment behavior per account and predicts a pay date for every open invoice, so a slide shows up while you can still act on it.

One system, not a handoff

Credit tools and collections tools usually live in separate places, with a person carrying information between them. Here the account that breached its limit and the account being chased are the same record, connected to the same ledger.

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.

Monitors every customer balance against the credit terms you set
Tracks real payment behavior per account, not just the stated terms
Chases overdue invoices by email, then SMS, then a live AI call
Predicts a pay date for every open invoice so slippage surfaces early
Applies incoming payments and reconciles back to QuickBooks, Xero, NetSuite or Sage
Flat monthly fee, no per-user seats, no cut of what it collects

AR AGING Collecting

INV-2047 Acme Co $4,820 Paid

INV-1990 Birchwood $9,400 Paid

INV-2120 Evergreen $1,540 12d

DSO 54 → 39 $36,080 collected this week

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 credit management software

Credit management software helps a business decide how much credit to extend a customer, set payment terms, monitor the exposure on each account, and act when a balance or an invoice moves outside those terms. Traditional tools handle the deciding and the monitoring. AccountsReceivable.ai also does the acting, chasing every overdue invoice across email, SMS and live AI calls.

Credit management is the front end: who gets terms, how much, and what happens if the exposure grows. Collections is the back end: getting the money in once an invoice is late. They are usually sold as separate software and staffed by separate people, which is why the handoff leaks. The agent runs both against one ledger.

No. AccountsReceivable.ai does not pull credit bureau files or score new applicants, so if formal credit checks are central to your process you will want a dedicated tool for that step. What it does is manage the risk on customers you already invoice, using their real payment history, and collect what they owe.

Yes. You set the limits, terms and escalation rules, and the agent works to them. It connects on top of QuickBooks, Xero, NetSuite or Sage rather than replacing them, so nothing about how you approve or invoice a customer has to change.

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