ACCOUNTS RECEIVABLE · COLLECTIONS & AGING

Are Customers Paying Us?

AI tracks every invoice, matches customer payments, identifies overdue accounts, and analyzes aging patterns—so you know exactly who owes what and when to follow up.

Automate AR Tracking → Book a Demo
5 min
Setup Time
4-6 hrs
Saved per Month
15-25%
Faster Collections

What It Tracks

Automatic Payment Matching

AI matches every customer payment (from bank transactions) with outstanding invoices in your accounting software. Identifies partial payments, overpayments, and unmatched deposits.

Matching logic: Customer name/ID, invoice number, amount (exact or partial), payment date, reference numbers

What It Catches

  • •Overdue invoices: Invoices past due date that haven't been paid
  • •Partial payments: Customer paid $800 on a $1,000 invoice—$200 still outstanding
  • •Unmatched deposits: Bank deposits with no corresponding invoice (need to investigate)
  • •Aging concentration: One customer represents 40% of 90+ day receivables (risk)
  • •Payment pattern changes: Customer who always paid in 30 days now taking 60+ days
  • •Credit limit violations: Customer with $10K limit now owes $15K across multiple invoices

Data Sources Required

1. Your Accounting Software

QuickBooks, Xero, NetSuite, Sage, FreshBooks

Access needed: Read-only to invoices, customer records, AR aging reports

2. Your Bank Connection

Bank deposits and payment transactions

Access needed: Read-only to transaction history for payment matching

How It Works

1

Connect Your Data Sources

Link your accounting software and bank accounts via secure read-only API. AI automatically pulls all outstanding invoices, customer payment history, and bank deposits.

2

AI Analyzes Aging & Matches Payments

AI categorizes all outstanding invoices by age (Current, 1-30, 31-60, 61-90, 90+ days), matches bank deposits to invoices, and identifies payment patterns.

Analyzing 147 open invoices...
✓ Current (0-30 days): $45,200 (83 invoices)
⚠️ 31-60 days overdue: $18,500 (38 invoices)
🔴 61-90 days overdue: $8,200 (17 invoices)
🔴 90+ days overdue: $12,400 (9 invoices)
→ Total AR: $84,300 | 44% overdue
3

AI Prioritizes Collection Actions

AI ranks customers by collection priority based on: amount owed, days overdue, payment history, and concentration risk. Sends you a daily digest with who to follow up with.

⚠️ High Priority Collections (5 customers)
1. Acme Corp: $8,200 (Invoice #1234, 73 days overdue)
2. XYZ Industries: $6,100 (3 invoices, 62-85 days overdue)
3. ABC Services: $4,800 (Invoice #5678, 91 days overdue)
Recommendation: Contact these customers today
4

You Follow Up & Track Results (15-30 min/day)

Review the prioritized list, contact customers about overdue invoices, track collection notes in the system. AI updates automatically as payments come in and shows you collection effectiveness trends.

What You'll Discover

💰 Hidden Cash Flow Issues

Example: You think you have $100K in AR, but AI shows $23K is 90+ days old and unlikely to collect. Adjust your cash flow forecast accordingly.

Why it matters: Prevents cash flow surprises and helps you plan better

🎯 Who to Chase First

Example: Instead of following up with all 147 customers, AI tells you the 12 customers (representing $31K) who are most overdue and most important to your cash flow.

Time saved: Focus on high-value collections instead of spreading yourself thin

📊 Customer Payment Patterns

Example: "Big Corp" historically paid in 30 days but their last 3 invoices took 60+ days. AI flags the trend—might indicate financial trouble or dissatisfaction.

Early warning: Catch problems before they become write-offs

🔍 Partial Payments & Short Pays

Example: Customer sent $4,800 check but invoice was $5,000. Without AI matching, you might close the invoice and lose track of the $200 difference.

Revenue protection: Every dollar counts—especially when it adds up across customers

⚠️ Concentration Risk

Example: AI alerts you that your largest customer represents 45% of total AR and 67% of 60+ day aging. One customer going under could seriously hurt cash flow.

Risk management: Know your exposure and plan accordingly

Manual vs. Automated AR Tracking

Manual AR Management

  • ❌Export aging report from QB/Xero monthly
  • ❌Manually sort by age and amount in Excel
  • ❌Try to remember which customers are slow payers
  • ❌Match bank deposits to invoices by hand
  • ❌Track collection calls in random notes/email
  • ❌Miss partial payments and short pays
  • ❌Discover bad debts after 6+ months
Total Time:
6-8 hours/month
Plus slower cash collections

AI-Powered AR Tracking

  • ✅Daily aging analysis runs automatically
  • ✅AI prioritizes by amount, age, and risk
  • ✅Payment pattern tracking and alerts
  • ✅Automatic payment-to-invoice matching
  • ✅Collection activity tracked in one place
  • ✅Catches partial payments immediately
  • ✅Early warning on payment slowdowns
Total Time:
1-2 hours/month
Plus 15-25% faster collections

Impact Calculator

Time Saved
4-6 hrs/mo
Less manual tracking
Faster Collections
15-25%
Earlier follow-up
Cash Flow Impact
$5-15K
On $500K AR/year

Better visibility + faster follow-up = improved cash flow and fewer write-offs

Start Tracking Your AR Automatically

5-minute setup. See exactly who owes what. Know who to chase first.

Start Free AR Tracking → Book a Demo