What does an AI accounts receivable agent do?

An AI AR agent automates the manual work your collections team does on every overdue invoice: (1) Monitors aging report daily — flags invoices past due by 1, 15, 30, 60, 90 days; (2) Sends personalized dunning emails at each aging bucket with invoice details and payment link; (3) Escalates to phone call (AI voice agent) or account manager based on invoice amount and customer tier; (4) Processes incoming remittance advices — reads PDFs, extracts invoice references and amounts, applies cash in ERP; (5) Flags payment disputes for dispute management workflow; (6) Updates AR aging report and generates collections analytics. DSO reduction of 20–40% typical.

Does the AI replace human AR staff?

No. The AI handles the routine, repetitive work: sending follow-up emails, processing remittances, applying cash, generating aging reports. Your AR team focuses on disputes, key customer relationships, escalations, and strategy. The AI eliminates the manual email-chasing and cash application steps that consume most of the AR team's time.

AI AR Agent · Collections · Cash Application · DSO Reduction

AI Accounts Receivable Agent —
Stop manually chasing 2,000 invoices.

Your AR team spends hours every day sending overdue invoice reminders, processing remittances, applying cash, and updating aging. XPndAI builds an AI agent that does this automatically — follows up on every overdue invoice at the right cadence, reads remittance PDFs, applies cash in ERP, and escalates only disputes and key accounts to humans. 20–40% DSO reduction typical.

20–40% DSO reduction

95%+ cash application

$20K starting

6–10 wks delivery

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How the AI handles your aging buckets

Aging Bucket	Invoice Amount	Customer Tier	AI Action
1–7 days past due	Any	Any	Send polite reminder email with payment link
8–15 days past due	Any	Any	Second email with invoice attachment re-attached
16–30 days past due	<$5K	Standard	Final notice email + optional AI voice call
16–30 days past due	>$5K	Key account	Escalate to account manager with full context
31–60 days past due	Any	Any	Put account on credit hold in ERP; escalate to senior AR
60+ days past due	Any	Any	Flag for collections review; generate demand letter
Payment received	Any	Any	Auto-read remittance PDF, match to invoices, apply cash in ERP

What the AI AR Agent Does

Automated Dunning & Follow-Up

Personalized emails at each aging milestone — not generic blasts. Uses customer name, invoice number, amount, due date, and payment history. Stops automatically when payment received.

Cash Application & Remittance

Reads remittance advice PDFs from email (any format), extracts invoice references and payment amounts, applies cash in ERP. 95%+ auto-match rate. Handles partial payments and deductions.

Dispute Detection & Routing

Identifies dispute emails and replies (wrong amount, not received, returns, credit memo requests). Creates dispute cases in CRM/ERP, routes to AR team with full invoice history.

Credit Hold Automation

Automatically place customers on credit hold in ERP when outstanding balance exceeds configured thresholds. Release holds when balance clears. Alert sales team on held accounts.

Aging Analytics Dashboard

Daily AR aging by customer, sales rep, region, and invoice type. DSO trending, collection rate by bucket, dispute analysis, month-end close AR report.

AI Voice Collections Agent

Outbound AI voice calls for overdue invoices above configured threshold — confirms invoice receipt, asks for payment ETA, handles objections, logs outcome in CRM.

Pricing

Fixed price in USD. Source code yours. Integrates with your existing ERP.

AR Automation

$20K–$40K

Dunning + cash application + remittance processing + ERP integration. Delivery 6–10 weeks.

Full AR Platform
$45K–$100K
Dunning + cash app + dispute management + credit hold + analytics dashboard + voice agent. 12–18 weeks.

Enterprise

$100K–$200K

Multi-entity AR, AI voice collections, ML payment prediction, customer self-service portal, SOX compliance. 4–6 months.

Tell us your current DSO —
We'll design the AI AR agent in 24 hours

Share: current DSO, number of open invoices, which ERP, how your team currently follows up, and what cash application looks like. We'll design the AI and send a fixed-price proposal.

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AI Accounts Receivable Agent — Stop manually chasing 2,000 invoices.