AccountsReceivable.ai
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Pricing Blog

Collections & dunning

Credit management software: credit control software and credit management automation 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.

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

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
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

Credit management covers five jobs. Most software covers two of them

Be honest about which job you are buying for. We do not score new applicants, and a credit bureau tool will not collect.

Job Credit bureau tools Credit management suites AccountsReceivable.ai
Score a new applicant before terms Yes, their strength Yes No, use a bureau tool
Set credit limits and payment terms Recommends Yes You set them, agent enforces
Monitor exposure on live accounts Alerts on file changes Yes Yes, on real payment behavior
Flag an account drifting past terms Sometimes Yes Yes, with predicted pay date
Chase the overdue invoice No Email reminders Email, SMS and live AI calls
Apply the cash and reconcile No Rarely Automated
Who acts when terms are breached You You The agent

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

Last updated August 2026

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.
Credit control software is the same category under British terminology: it sets and enforces the credit you extend to customers, then drives the follow-up when they exceed it or pay late. US buyers usually search for credit management software. The functions are identical, covering limits, terms, risk scoring, blocked orders and collections escalation.
Four things. Scoring a new customer and proposing a limit. Re-checking existing customers as their payment behavior changes. Flagging or blocking orders that would breach a limit. And starting collections escalation the day terms are broken rather than whenever somebody notices. The credit decision itself stays yours.
A credit application and onboarding workflow, external risk data, a limit and terms engine, an order-hold rule set, exposure reporting by customer and group, and a direct handoff into collections. If the collections handoff is missing, you have a scoring tool rather than a suite, and somebody will still be re-keying accounts into a spreadsheet.
A rules engine applies the limit you set until you change it. A learned system watches actual payment behavior and flags drift early: the customer who quietly moved from paying on day 32 to day 55 across six months, well before they miss a payment. The value is earlier warning, not a different decision.
Yes, in almost every case. The credit limit is a promise about how much risk you accept, and collections is how you enforce it. Split across two systems, the limit becomes a number nobody checks and the collections team chases without knowing whether the account should have been on hold last month.
Most connect to a commercial bureau such as Dun and Bradstreet, Experian Business or Equifax Commercial, and pull a score into the onboarding workflow. The check itself is a paid data service, so confirm whether bureau access is bundled or billed separately before you compare prices between vendors.
Almost nobody in this category publishes list pricing. HighRadius, Billtrust, Esker, Serrala and Sidetrade all quote. Contract data from Vendr puts comparable AR platforms between roughly $13,000 and $37,000 a year at the median, with buyers averaging around 25% off the opening quote. Bureau data is usually extra.
Yes, though the honest answer is that below a few hundred active credit customers a written credit policy plus automated collections gets you most of the benefit. The point at which dedicated credit management pays for itself is when order holds and limit breaches start needing a decision more than once a week.
Read every accounts receivable question

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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.

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

Go deeper

Credit control in context

Cloud based credit control software

Running credit control and AR from a browser, and how cloud deployment compares to on-premise.

Read the comparison

Collections automation software

What happens after a customer breaks the terms your credit policy set.

Read the comparison

Accounts receivable management software

The wider receivables category, of which credit management is the front end.

Read the comparison

How to set a credit policy

The policy itself: limits, terms, approval thresholds and when to put an account on hold.

Read the comparison

How to run a business credit check

Which bureaus cover US commercial credit and what the scores actually mean.

Read the comparison

How to reduce bad debt

Where credit decisions and collections discipline meet on the write-off line.

Read the comparison

B2B collections software

Chasing business customers on net terms once a limit has been breached.

Read the comparison

Accounts receivable automation software

The full automation category, if credit is only one piece of what you are fixing.

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.

See pricing

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