AInora

AI Voice Agents for Accounts Receivable

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Following up on invoices, payment dates, disputes, promises to pay.

JessicaJessica·English

+1 (218) 636-0234

Every invoice followed up, every promise logged.

AI that follows up on invoices, confirms payments, logs disputes, and escalates when it matters - so your AR team focuses on relationships, not routine calls.

Get paid faster. Keep your customers. Reduce DSO without adding headcount.

Hear an AInora voice agent live: call +1 (218) 636-0234 (Jessica, AInora sales line) and ask how it would handle your 30/60/90-day collection calls, no signup.

Example
Xero · overdue invoices
INV-2041
Harbour Joinery Ltd, Bristol
£1,840.00
Due 16 Sep
Promise to pay
AI call · disclosed
Jessica

"Hi, this is Jessica, an AI assistant calling for Carter & Hale about invoice 2041 for £1,840. Is now a good time?"

Customer

"Yes, sorry, it slipped. We can pay it on Friday."

Jessica

"Thank you. I've noted Friday, and I'm texting you a secure payment link now."

Promise to pay
Fri 2 Oct · £1,840.00 · confirmed on the call
SMS · sent during the call
Carter & Hale: your secure link for invoice 2041.
Pay £1,840.00
Xero · INV-2041
Promise to pay Fri 2 Oct noted · payment link sent
Fri 2 Oct: check the payment, call again if unpaid

Already on these? We plug in.

  • Bitrix24
  • Google Calendar
  • Make
  • Microsoft Dynamics 365 Business Central
  • Microsoft Teams
  • Odoo
  • Pipedrive
  • Sage
  • SAP
  • WhatsApp Business
  • Zapier
  • Zoho CRM
  • Docusign
  • Freshsales
  • Google Sheets
  • Karbon
  • monday CRM
  • Airtable
  • iManage
  • a3
  • B1.lt
  • Comarch ERP
  • Fatture in Cloud
  • inFakt
  • Pennylane
  • sevDesk
  • TeamSystem
  • Zucchetti
  • enova365
  • Finvalda
  • Labbis
  • Stekas Plius
  • Aruba Fatturazione Elettronica
  • Merit Aktiva
  • Calendly
  • HubSpot
  • Microsoft Dynamics 365
  • Microsoft Outlook / Microsoft 365
  • n8n
  • Oracle NetSuite
  • QuickBooks Online
  • Salesforce
  • Slack
  • Xero
  • Zendesk
  • Cal.com
  • Freshdesk
  • Gmail / Google Workspace
  • Intercom
  • Kommo
  • Scoro
  • Exact Online
  • Zoho Books
  • Agnum
  • Cegid
  • DATEV
  • Holded
  • Lexware Office
  • Rivilė
  • Symfonia
  • wFirma
  • Directo
  • Fakturownia
  • InsERT Subiekt
  • SimplBooks
  • weclapp
  • EBP
  • Teamleader Focus
+ Any system with an API

Trademarks belong to their owners. Shown to name the systems we connect to, not a partnership.

$18.04T
US household debt Q4 2024
Source: NY Fed Household Debt Report
2.62%
Credit card delinquency rate Q4 2025
Source: Federal Reserve G.19
$11.5B
CFPB FDCPA enforcement volume FY2024
Source: CFPB FDCPA Annual Report
24/7
Follow-Up
4
Touchpoints/Invoice
6+
Accounting Integrations
40+
Languages

Accounts Receivable Is Not Debt Collection

AR operates before invoices become bad debt. The goal is not recovery - it is getting paid on time while preserving the business relationship.

AR vs collections
Accounts ReceivableDebt Collection
TimingPre-delinquency (0-90 days)Post-delinquency (90+ days)
RelationshipPreserve and strengthenRecovery-focused
ToneCollaborative, professionalFirm, compliance-driven
GoalGet paid while keeping the customerRecover the debt
AudienceB2B - AP departments, controllersB2C and B2B consumers
RegulationStandard business practiceFDCPA, TCPA, heavy regulation
OutcomeShorter DSO, retained revenueRecovered receivables
Need post-delinquency collection? See AI Debt Collection

How AI Handles the AR Workflow

From pre-due courtesy call to escalation - the AI manages every stage with the right tone and context.

  1. 1
    Step 1

    Invoice follow-up

    AI calls customers 3-5 days before an invoice is due with a friendly courtesy reminder. It confirms the invoice was received, verifies the amount matches their records, and asks if payment is on track. No pressure - just professional follow-through that prevents invoices from slipping through the cracks.

  2. 2
    Step 2

    Overdue notice

    When an invoice passes its due date, the AI shifts to a firmer but still professional tone. It references the specific invoice number, amount, and original due date, asks about any issues causing the delay, and offers to help resolve blockers - whether that means resending the invoice, connecting with your billing team, or setting up a payment date.

  3. 3
    Step 3

    Payment confirmation

    After a customer promises to pay or a payment is expected, the AI follows up to confirm receipt. If payment has been processed, it thanks the customer and closes the loop. If not, it re-engages with a polite reminder referencing the prior commitment. Every promise-to-pay is tracked and verified.

  4. 4
    Step 4

    Dispute logging

    When a customer disputes an invoice - wrong amount, missing PO number, goods not received, service not delivered - the AI captures every detail: the specific objection, supporting information, and the customer's preferred resolution. All disputes are logged to your accounting system and flagged for your AR team with full context.

  5. 5
    Step 5

    Escalation to your team

    When an account requires human judgment - a high-value customer threatening to leave, a complex dispute involving multiple invoices, or a payment plan negotiation outside standard terms - the AI escalates seamlessly. Your AR manager receives a full brief: who the customer is, what was discussed, what they want, and the AI's recommendation.

Plugs Into Your Accounting Stack

The AI pulls invoice data, payment terms, and customer contacts directly from your accounting software. Every outcome flows back automatically.

Xero

Sync invoices, payment status, and customer data bidirectionally. AI triggers calls based on Xero aging reports.

QuickBooks

Pull outstanding invoices from QuickBooks Online or Desktop. Payment confirmations flow back automatically.

SAP

Enterprise-grade integration with SAP S/4HANA and SAP Business One. AR aging, customer master data, and payment terms all accessible in real-time.

NetSuite

Native NetSuite API integration for multi-subsidiary environments. The AI understands complex B2B structures with parent-child account hierarchies.

Sage

Integration with Sage 50, Sage 200, and Sage Intacct. Pull invoice data, payment terms, and credit notes to give the AI full context on every call.

Any ERP with API

Custom integrations for Microsoft Dynamics, Odoo, Freshbooks, Wave, and any accounting system with an API. We build the connection to your specific setup.

Built for B2B Complexity

B2B receivables are not consumer collections. Multiple contacts per account, PO numbers, corporate payment cycles, and enterprise expectations require a different approach.

Multi-contact per account

Enterprise customers have AP clerks, controllers, CFOs, and procurement managers. The AI maintains contact hierarchies - starting with AP, escalating to the controller after two failed attempts, and reaching the CFO only when necessary. Each contact gets a tone appropriate to their role.

AP department hours

The AI knows that AP departments typically operate 9-5 in the customer's timezone. It schedules calls during business hours, avoids month-end close periods when AP teams are overwhelmed, and respects customer-specific preferences like "only call on Tuesdays."

PO number verification

B2B payments often stall because of PO mismatches. The AI references purchase order numbers, verifies them against the customer's records during the call, and captures corrected PO information when there is a discrepancy - eliminating one of the most common causes of payment delays.

Enterprise-appropriate tone

No aggressive collection tactics. The AI speaks the language of B2B finance - referencing payment terms, net-30/60/90, early payment discounts, credit memos, and remittance advice. It sounds like a professional AR coordinator, not a collection agent.

How AI Shortens Days Sales Outstanding

DSO is the ultimate AR metric. AI reduces it by making follow-up consistent, timely, and persistent - without burning out your team.

Day 1
follow-up begins

The AI starts the invoice follow-up sequence within a day of an invoice going out, and keeps working every account until it is paid, disputed, or escalated - no invoice waits for a free hour on your AR team's calendar.

4 touches
per invoice, automatically

Every invoice gets a pre-due reminder, a due-date check, an overdue notice, and persistent follow-up until resolved - the same sequence every time, without depending on whoever on the team has capacity that day.

Routine calls
handled end to end

Confirming receipt, checking payment status, and logging disputes are handled by the AI entirely, freeing your AR team to focus on relationship management and complex negotiations.

Multi-Currency, Multi-Language AR at Scale

European B2B means cross-border invoices, multiple currencies, and customers who expect communication in their language. AI handles all of it natively.

Multi-Currency Support

  • EUR, GBP, USD, CHF, SEK, NOK, PLN, CZK and more
  • References invoices in original currency
  • Understands payment terms per currency (SEPA, SWIFT, ACH)
  • Handles exchange rate discussions naturally
  • Multi-currency aging reports from your ERP
  • Cross-border VAT and tax reference awareness

Multi-Language Voice AI

  • 100+ languages with native-quality voice
  • Auto-detects customer language preference
  • German, French, Dutch, Spanish, Italian, Polish, Nordic
  • Lithuanian, Latvian, Estonian for Baltic B2B
  • Language-specific business etiquette and formality
  • Single AI agent handles multilingual account portfolios
European compliance details

Related Solutions

Explore the full spectrum of AI-powered receivables and collections.

AI Voice Agents for Debt Collection

When invoices become delinquent and need recovery. AI handles outbound campaigns, payment negotiation, and compliance - FDCPA and GDPR compliant.

AI Payment Reminder Calls

Automated payment reminders that reach every customer on time. Pre-due, due-date, and overdue notifications via voice AI.

AI Debt Collection Cost Analysis

Detailed breakdown of AI vs human costs for receivables outreach - cost per contact, ROI timelines, and operational savings.

GDPR Compliance for European Collections

How AI voice agents handle GDPR, EU AI Act, and country-specific regulations for cross-border European receivables.

Frequently Asked Questions

How is AI for accounts receivable different from AI debt collection?
AR AI operates pre-delinquency with a collaborative, relationship-preserving tone designed for B2B. Debt collection AI operates post-delinquency with firmer compliance-driven conversations.
Will the AI damage our customer relationships?
The opposite. AI ensures every customer gets consistent, professional, timely communication. It adapts tone to each situation and escalates to your team when a conversation needs a human touch.
How does the AI integrate with our accounting software?
Direct API integrations with Xero, QuickBooks, SAP, NetSuite, Sage, or any ERP. The AI pulls invoice data and aging reports in real-time, and outcomes flow back automatically.
Can the AI handle multiple contacts per customer account?
Yes. It maintains contact hierarchies per account - AP clerk, controller, CFO - and escalates through them based on your rules. Each contact gets role-appropriate communication.
What happens when a customer disputes an invoice during the call?
The AI captures the full dispute details, logs everything to your accounting system, and flags it for your AR team with complete context for quick resolution.
Does the AI work for both B2B and B2C receivables?
Yes. For B2B it navigates AP departments with enterprise language; for B2C it uses simpler terms and offers immediate payment options. We configure specifically for your model.
What languages does the AI support for AR calls?
100+ languages with native-quality voice. Auto-detects customer language preference - critical for cross-border European B2B operations.
Can I try the AI before committing?
Yes. Call our live demo at +1 (218) 636-0234 right now. A custom proposal built around your AR scenarios follows a short consultation.

Hear the AI Yourself

Book a free consultation

Or call +1 (218) 636-0234, available 24/7, no signup required. See AI Debt Collection