Solution · By agent
You’ve got overdue invoices and nobody with time to chase them one by one. The AI collections agent chases what’s outstanding at the right moment, reconciles the payment when it lands and escalates the tough case —and a person approves what goes out to the customer: we leave it running on your billing.
Chasing what’s overdue is a job of persistence, not talent: checking every day who’s past due, sending the reminder in the right tone, turning up the pressure when it’s time, logging the promise to pay, matching the money to its invoice when it finally lands, and knowing when the case stops being an email and needs a person. The problem is almost nobody does it well, because it’s tedious and nobody enjoys fighting for the house’s money —so it gets chased late, in fits and starts, and cash suffers. We ship that collector as an agent on your billing: it watches the overdue book, drafts and schedules the dunning sequence, logs the promises, reconciles the payment to its invoice and escalates the tricky case to you. The rule is firm: the agent proposes what goes out and a person approves it; it never collects or moves money on its own. We don’t sell you another billing tool; we leave the digital employee chasing what’s outstanding, with a person in charge of what goes out.
The problem
The money is invoiced but not collected, and chasing it is the job everyone leaves for tomorrow.
- Chasing depends on someone finding a minute: it’s done in fits and starts, late, and invoices weeks overdue go without a single reminder.
- Nobody really knows who owes what today: you have to open the ERP, cross the statement and add it up by hand to see how much is overdue and since when.
- When a payment lands with no clear reference, it’s hard to match it to its invoice, so you chase customers who already paid and annoy the wrong ones.
- Promises to pay get lost (“I’ll settle it Friday”) because nobody logs them, and the case that already needs a real call keeps getting automatic emails.
Cost of staying the same
The time nobody spends chasing shows up on no expense line: it shows up as cash landing late, as the bank credit you draw to make month-end, as the invoice that ends up written off because it was chased once the customer had already shut down, and as your good people playing debt collector reluctantly instead of doing their job. Hiring someone to chase covers a peak, not the daily persistence this needs; and the judgment —who you press and who you handle with care— gets lost between the dread and the rush. You pay the financial cost of collecting late and of your own money left out on the street.
The solution
A collections agent shipped on your billing that watches what’s overdue, chases at the right moment, reconciles the payment and escalates the tough case, with a person approving what goes out
- 1We set the criteria and the limits with you: what counts as overdue, the cadence and tone of the sequence by how late it is, which channel it uses (email, WhatsApp), which customers you handle with care and which you press, when it escalates to a person and what it passes to you to approve before it goes out.
- 2The agent watches the book daily: it identifies what’s overdue invoice by invoice, groups it by customer and days late, and prepares the chase —the message drafted with the amount, the invoice and the payment link if you use one—, ready for you to approve.
- 3It schedules and chases the sequence at the right moment: friendly first reminder, firm notice, last call before escalating. It logs the promise to pay and reschedules it, reconciles the money to its invoice when it lands, and stops chasing the moment it’s collected.
- 4It starts with a safety net and measured: the agent proposes and a person approves every message that goes to the customer, especially at the start; it never collects or moves money on its own. We compare what it recovers against the old process and only widen its autonomy by bracket when the data backs it. The tricky case and the relationship stay with the person.
What changes
What you stop losing
Chasing stops depending on someone finding a minute: the agent watches what’s overdue daily and prepares the sequence at the right moment, so the reminder goes out when it should instead of three weeks late.
Mechanism
Money comes in sooner because it’s asked for sooner and with persistence: the overdue invoice gets its reminder on the day it’s due instead of waiting for someone to feel like fighting for the payment.
Mechanism
You stop chasing people who already paid: the agent reconciles the money to its invoice and stops the sequence the moment it’s collected, so you neither bother the good customer nor lose sight of the one who really owes.
Mechanism
What we measure: days sales outstanding (DSO) before and after, % of overdue chased on time versus what used to go untouched, promises to pay kept, and payments reconciled without intervention.
What we measure
Spec sheet
- Work it removes
- having someone open the ERP every day to see who’s past due, draft every reminder from scratch, remember to chase the payment that was promised, cross the statement by hand to know whether an invoice is already collected, and decide on the fly who gets pressed and who doesn’t
- Typical setup
- 2–4 weeks
- Input
- your issued invoices with their due dates and outstanding balance (from your ERP or billing), the payment movements (statement or gateway) to reconcile against, and the collections criteria, tone and script we set with you
- Output
- the overdue book watched and segmented by customer and days late, the dunning sequence drafted and scheduled ready to approve, the promises to pay logged and rescheduled, the payment reconciled to its invoice and the chasing stopped the moment it’s collected, and the tough case escalated to a person —with every message to the customer approved by a person
- Works with
- HoldedSageOdooQuickBooksA3StripeGoCardlessEmail (Gmail/Outlook)WhatsAppBank connection / statement
- Can connect to
- Your billing or ERP (invoices, due dates, outstanding balance)Your customer-facing channels (email, WhatsApp)Your payment gateway or method and the bank statementYour team’s collections criteria, tone and escalation rules
- What we measure
- days sales outstanding (DSO) before and after% of overdue chased on time versus what used to go untouchedpromises to pay keptpayments reconciled to their invoice without intervention
- Good fit for
- businesses with a recurring volume of invoices on credit, an overdue book nobody chases with persistence, and a team that chases in fits and starts whenever they find a minute
- Not a fit for
- businesses that get paid cash or upfront with no overdue book to manage, or cases that are strictly accounting —capture, entry and book reconciliation— which is what the AI accounting agent is for
Frequently asked questions
The accounting agent keeps the books: it captures the invoice, proposes the entry with its account and cost center, posts it to the ERP and reconciles the bank —chasing what’s overdue is one piece inside that loop. The collections agent makes that piece its whole trade: it watches the overdue book day by day, segments by customer and by how late, drafts and chases the dunning sequence in the right tone, logs promises to pay, matches the money to its invoice and escalates the tough case. If what piles up on you is the mechanical accounting, your agent is the bookkeeper; if what’s left out on the street is money already invoiced, your agent is the collector. Many businesses run both, each on its own turf.
No, and that’s the line it doesn’t cross. The agent handles information —what’s overdue, from whom and since when— and prepares the action, but every message that goes to the customer starts in propose mode and a person approves it before it’s sent, especially at the start. It doesn’t collect, doesn’t issue receipts on its own, doesn’t touch your gateway to pull money: at most it reconciles the payment to its invoice when it lands and stops chasing. Third-party money is moved by a person with their judgment; the agent takes the tedious work of watching, drafting and chasing off their plate.
That’s why the tone and the criteria are set with you before anything goes out, and a person approves the messages. The agent doesn’t send one cold email to everyone: it uses how late it is, the history and the rules you set —the good customer who slipped is reminded with tact, the one who makes a habit of paying late gets more firmness—, and when the case needs a real conversation it escalates to your person instead of insisting on autopilot. The persistence comes from the agent; the tact and the decision, from you. It comes off more careful than the fits-and-starts chasing whoever-can-when-they-can does today.
Want it running in your business?
You’ve pinned the problem. We ship the fix and leave it measured.