By system & fit

Accounts receivable outsourcing services handed to an AI agent, without the salary, the offshore ramp or the agency cut

Accounts receivable outsourcing means handing the chasing, the cash application and the follow-up calls to someone outside your team. There are four ways to buy it, and they cost very different amounts: a managed service from a global BPO firm, a rented offshore or nearshore team billed per person per month, a contingency collection agency that keeps 25 to 50 percent of what it recovers, or software and AI agents that do the same work on a subscription.

AccountsReceivable.ai is the fourth option: the chasing runs on software instead of a rented team. You connect QuickBooks Online or Xero, or upload your open invoices as a CSV export, and the workspace shows your AR aging report and chases every customer from 3 days before the due date through 30 days after it, by email and by text from your own Twilio number, under your company name and with your payment instructions. Payments on your bank statement are matched to the invoices they cover, and every reminder checks the balance first. That is Starter, $299 a month flat, with no percentage of what it collects. Growth, $799 a month, adds NetSuite, Sage Intacct, Business Central and Acumatica plus live AI phone collections.

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Works inside QuickBooks, Xero & NetSuite Flat monthly fee · no cut of collections

Connect · chase · apply cash · DSO down

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Collections Desk

Your books

Works with QuickBooks, Xero, NetSuite and more.

Collected / wk

Outstanding

AR aging

Current · 30 · 60 · 60+ · paid

Open invoices

Agent worklog

Live

Ready. Press Put my AR on autopilot.

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 outsourced AR

Done for you, with nobody to hire or manage

The agent runs the receivables job end to end, so you get the relief of outsourcing without onboarding a person or negotiating a BPO statement of work. There is no four to eight week transition project documenting a process nobody ever wrote down, no shadow period where you pay the provider and your existing person at the same time, and no ramp to pay for again when a rented analyst leaves. It works your open invoices from the first week on the ledger you already have.

A flat fee, not a cut of your collections

A contingency agency keeps 25 to 50 percent of every dollar it recovers. On a 200,000 dollar aging balance that is 50,000 to 100,000 dollars handed over, much of it on invoices that would have been paid anyway with better follow-up. An outsourcing firm charges whether or not the invoice lands, typically 12,000 to 30,000 dollars a year for a small to mid-sized US business according to third-party 2026 reporting. Our pricing is a flat monthly fee with no percentage and no per-seat charge, so the cost does not rise when collections go well or when volume doubles.

Every message stays in your name

This is the part that decides whether outsourcing was a good idea. Your customers hear from you, in your brand voice, on a cadence you approved, never from a third-party collector and never from an offshore analyst improvising. You can read every message the agent sends. Nothing above a value or an age you set goes out without you. The relationship you spent years building survives the follow-up, which is the single most common complaint about handing receivables to an agency.

Persistence is the part worth outsourcing

Sort your aging report by reason and the decision usually makes itself. Invoices that are correct, delivered, undisputed and simply ignored are a persistence problem. A person is bad at this: they chase the loud invoice, skip the small one, and forget the promise-to-pay date. Software is strictly better, because it never forgets and never gets bored. Invoices held up by short pays, deductions and PO mismatches are a judgment problem, and there a person genuinely wins. Most mid-market teams have both, and the cheapest answer is an agent for the volume plus one good person for the exceptions.

It escalates to a phone call, which almost nothing else does

Reminders work until they do not. Once an invoice is correct, delivered, undisputed and being ignored, the fourth email in the same thread changes nothing, and that is exactly the point where outsourcing firms earn their fee by picking up the phone. Of the major AR platforms, none of Versapay, HighRadius, Billtrust, Quadient AR by YayPay, BILL, Invoiced or Tesorio places outbound collection calls. Sidetrade is the one large exception. Our agent escalates from email to SMS to a live AI phone call, logs what the customer promised, and follows it up on the date they named.

Runs on the ledger you already have

The agent connects to QuickBooks, Xero, NetSuite or Sage with a two-way sync, so your accounting system stays the source of truth and nobody re-keys anything. That matters more than it sounds when you are comparing options, because AR software vendors are surprisingly picky here. Versapay publishes NetSuite, Sage Intacct and Dynamics 365 but not QuickBooks or Xero. Billtrust and HighRadius publish neither. Outsourcing firms sidestep the problem by staffing people who work inside whatever you run, which is a genuine advantage of the rented-team model over most software.

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.

Replaces the day-to-day work of an AR clerk, an offshore analyst or an agency
Chases every overdue invoice across email, then SMS, then a live AI phone call
Applies incoming payments to the right invoices, including split and short pays
Captures each promise-to-pay and follows it up on the date the customer named
Keeps every customer contact in your brand voice, never as a third-party collector
Charges a flat monthly fee with no commission and no percentage of collections
Runs on top of QuickBooks, Xero, NetSuite or Sage with a two-way sync

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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

What it costs to outsource accounts receivable, by model

Rate ranges are third-party 2026 estimates, not rate cards. Every provider in this category quotes rather than publishes, so use these to sanity-check a quote rather than as a price. Our own row is our position, not a neutral verdict.

Option	Typical cost	Who talks to your customer	What you still manage	Best fit
In-house AR specialist	About 60,000 to 85,000 dollars a year fully loaded	Your own employee, in your name	Hiring, cover for vacation and sickness, turnover	Teams with enough disputes and negotiation to keep one person busy
Offshore rented team (India, Philippines)	About 8 to 18 dollars an hour, or 1,200 to 2,500 dollars per person per month	A named offshore analyst, usually in your name	Day-to-day supervision, quality, time zones, ramp after turnover	High-volume rules-based work like invoice delivery and cash application
Nearshore rented team (Latin America)	About 18 to 28 dollars an hour	A named nearshore analyst working your hours	Supervision and scope, with far less time-zone friction	Mid-market teams that need US-hours coverage and named people
Global BPO managed service	Custom contract, the most expensive tier in practice	A shared, rotating provider team under an SLA	Governance, metrics and the contract itself	Large enterprises outsourcing an entire finance function
Contingency collection agency	25 to 50 percent of whatever it recovers, nothing if it recovers nothing	A third-party collector, not you	Deciding which accounts to hand over, and when	Invoices past 120 days on customers you have stopped selling to
AR automation software	Annual subscription, almost always quote-only	Your team, using the software	The collections work itself, plus the ERP connector question	Teams with staff who are drowning in follow-up
AccountsReceivable.ai	299 USD a month on Starter, 799 on Growth, no percentage of collections	An agent in your company name: email, SMS from your own Twilio number, and live AI calls on Growth	Genuine disputes and the judgment calls it flags, nothing else	Teams whose late invoices are correct and undisputed, just ignored

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 outsourced AR

Third-party 2026 reporting puts a small to mid-sized US business at roughly 12,000 to 30,000 dollars a year to outsource the AR function, against 60,000 to 85,000 dollars for one fully loaded in-house specialist. Offshore hourly delivery runs about 8 to 18 dollars, nearshore Latin America 18 to 28 dollars, and onshore US from about 35 dollars. Contingency agencies take 25 to 50 percent of what they recover instead.

A typical scope covers invoice generation and delivery, collections follow-up by email and phone, cash application matching payments to open invoices, deductions and dispute logging, customer statements and AR reporting. Most firms work inside your ERP and your email rather than bringing their own platform, so the software licences stay your cost. Get the scope in writing before you sign.

An agency typically takes 25 to 50 percent of every dollar it collects and contacts your customers as a third-party collector, which changes the relationship permanently. AccountsReceivable.ai is a flat monthly fee, takes no cut, and follows up in your brand voice, so you keep the cash and the relationship. Agencies are still the right call for genuinely doubtful debt past 120 days.

For most teams, yes. A fully loaded AR clerk runs roughly 60,000 to 85,000 dollars a year, works only business hours and takes their customer knowledge with them when they leave. The agent runs around the clock across email, SMS and phone for a fraction of that, and a controller can oversee it in an hour a week.

Split your aging report by reason. Invoices that are correct, delivered and simply late are a persistence problem, and software wins because it never forgets a promise-to-pay date and does not cost more at double the volume. Invoices held up by disputes, deductions and billing errors are a judgment problem, and a person wins. Most mid-market teams need automation for the volume plus one person for the exceptions.

The two failure modes are opposite. A provider measured on activity volume over-contacts your customers and damages a relationship you spent years building. A provider measured on nothing quietly stops chasing the hard accounts, and the aging report looks fine until quarter end. Add data security and turnover: a rented analyst who leaves takes your customer knowledge with them.

Yes, but the economics are tight. At 12,000 to 30,000 dollars a year, outsourcing only pays if the recovered cash and the freed-up owner hours clearly exceed that. Below roughly 200 invoices a month, most small businesses get more out of automating the follow-up than out of renting a person to do it, because the work is repetitive rather than complicated.

With a rented team or a BPO firm, plan on four to eight weeks before the provider is productive, most of it spent documenting a process nobody has written down, plus a shadow period paying two parties at once. Collections usually get slower before they get faster. An AI agent connects to the ledger and starts on your existing open invoices in days, because there is nobody to train.

With a collection agency, yes, and that is the point of the model. With a rented offshore or nearshore team, contact usually goes out under your domain and your name, though customers often notice the change in tone or the time of day. With our agent every message goes out in your company name, on a cadence you approved, and you can read all of it.

People-based outsourcing works inside whatever you already run, which is a real advantage of that model. Software is much pickier: Versapay publishes NetSuite, Sage Intacct and Dynamics 365 but not QuickBooks or Xero, and Billtrust and HighRadius publish neither. Our agent connects to QuickBooks, Xero, NetSuite and Sage with a two-way sync, so the ledger stays the source of truth.

The top accounts receivable outsourcing companies fall into four groups. Genpact and the Big Four (Deloitte, PwC, EY, KPMG) run order-to-cash as a managed service for large enterprises. Auxis rents nearshore teams in Latin America and QX Global Group rents offshore teams in India, both billed per person per month. Contingency collection agencies work only aged balances for 25 to 50 percent of what they recover. AR software and AI agents do the follow-up and cash matching on a subscription. Choose the group first, then compare quotes inside it.

Accounts receivable as a service usually means a subscription where a provider runs the whole receivables process for a recurring fee rather than an hourly or per-person rate. The label covers both managed BPO offerings and AI agents that do the work without a team. The useful question is not what it is called but whether you are paying for people, for software, or for a percentage of collections.

No. The plan is a flat monthly fee with no commission and no per-seat pricing, so a good collections month does not cost you more than a bad one. That is the main structural difference from an agency, which is paid more the more it recovers, and from success-fee AI collections platforms that are commonly quoted at 5 to 15 percent of recovered cash.

Read every accounts receivable question

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Go deeper

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.

Get started See pricing

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

Accounts receivable outsourcing services handed to an AI agent, without the salary, the offshore ramp or the agency cut

What your team gets with outsourced AR

Done for you, with nobody to hire or manage

A flat fee, not a cut of your collections

Every message stays in your name

Persistence is the part worth outsourcing

It escalates to a phone call, which almost nothing else does

Runs on the ledger you already have

Chased, collected and reconciled on autopilot

What it costs to outsource accounts receivable, by model

One agent that runs the whole receivables job

Chases every invoice

Applies the cash

Cuts your DSO

Questions about outsourced AR

More ways finance teams collect with AccountsReceivable.ai

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Stop chasing invoices. Put your receivables on autopilot.