Collections & dunning

Dunning management software that runs the whole sequence for you

A dunning sequence only works when it is consistent, and consistency is exactly what manual dunning loses. A few reminders go out, the busy weeks hit, and the follow-up quietly stops on the invoices that need it most.

AccountsReceivable.ai is dunning management software that never skips a step. It runs a complete sequence, from a friendly pre-due reminder to escalating email, SMS and live AI phone calls as an invoice ages, with promise-to-pay tracking and graceful tone control built in. You design the cadence once and the agent runs it on every invoice, every time.

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 dunning management

A complete sequence

Pre-due reminder, due-date nudge, and escalating follow-ups by age, so every invoice moves through a deliberate dunning sequence instead of a one-off email.

Escalates by channel

The agent steps up from email to SMS to a live AI call as the days overdue grow, matching the channel to the urgency automatically.

Tracks every promise

Promise-to-pay dates are captured and followed up on, so a commitment to pay next Tuesday is not lost in someone inbox.

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.

Runs pre-due, due and overdue dunning steps automatically
Escalates email to SMS to live AI phone calls by invoice age
Keeps tone polite and on-brand at every step
Captures and follows up on promise-to-pay dates
Custom sequences per customer segment or invoice size

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

Where dunning automation actually lives

Most teams already have a dunning feature somewhere. This is what each option really does. Verified August 2026.

Option	What it sends	Escalates beyond email	Stops when paid	Best for
Your ERP dunning levels	Templated letters and emails by invoice age	No, email and printed letters only	Only once cash application has posted the payment	Teams that just need a basic reminder ladder
Accounting software reminders	One or two reminder emails per invoice	No	Yes, tied to the invoice status	Very small businesses with few overdue accounts
Dedicated collections platforms	Multi-step email cadences with a worklist for your team	Usually not, the phone step is handed to a person	Yes, when cash application is in the same platform	Teams with a credit and collections person to work the queue
Outsourced AR or a collection agency	Letters and calls made by their staff	Yes, people make the calls	Depends on how often you sync your ledger	Accounts already written down, at a percentage of what is recovered
AccountsReceivable.ai	Email, then SMS, then a live AI phone call, on your cadence	Yes, the agent makes the call itself	Yes, it applies the cash and stops chasing immediately	Teams with no collections headcount to work a queue

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 dunning management

Last updated August 2026

Yes. You can set the cadence, the channels and the tone, and tailor sequences for different customer segments or invoice sizes. The agent then runs your chosen sequence consistently on every invoice.

The agent records the promise-to-pay date and pauses pressure until then. If payment does not arrive, it picks the sequence back up automatically, so nothing falls through the cracks.

Dunning management software runs the escalating sequence of reminders that chases an overdue invoice, from a courtesy note before the due date through to a formal final notice. It decides what goes out, to whom and on which day, based on invoice age, so nobody has to remember to send the next message.

The right answer depends on whether email alone works on your customers. If it does, the dunning levels already built into your ERP or accounting system will cover it at no extra cost. If email is being ignored, you need something that escalates channel, and that is a much shorter list of tools.

Five stages covers most B2B situations: a courtesy reminder just past due, a firm follow-up around day 14 to 21, a formal notice at 30, a final demand between 45 and 60, and a pre-collections notice by 90. Sending more than that without changing channel or escalating consequence just trains customers to ignore you.

It should, and this is the question worth asking every vendor. A sequence only stops when the payment has been applied to the invoice, so if cash application lags a few days behind, reminders keep going to customers who already paid. Our agent applies the cash itself, which closes that gap.

No. Dunning is your own scheduled follow-up on invoices that are simply late, and it happens while the customer relationship is intact. Debt collection is what happens after that fails, when the account is placed with a third-party agency that keeps a percentage of anything it recovers.

The mid-market tools generally connect to both. What varies is whether the integration writes back, meaning payments and invoice status sync automatically in both directions, or whether somebody exports a file. Ask to see a payment posting in the demo rather than taking the integration list at face value.

Read every accounts receivable question

Explore more

More ways finance teams collect with AccountsReceivable.ai

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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