AI debt collection that reminds on the right day, politely
Before and after each due date, customers get a clear reminder with a payment link. Disputes and promises to pay go to your team.
Overdue invoices grow because nobody follows up.
Reminders depend on someone finding time, so they go out late or not at all. When a customer finally answers, the conversation lives in one person's inbox and nobody knows what was promised.
- B2B companies with recurring invoices and a growing overdue list
- Finance teams on Stripe and QuickBooks that chase payments by hand
- Owners who want AI for accounts receivable that keeps customer relationships intact
The agents
Reads open invoices in QuickBooks and Stripe, ranks them by age and amount, and records every payment and promise to pay.
Sends reminders by e-mail and WhatsApp, answers simple questions about the invoice and shares the payment link.
Keeps tone and timing within your policy and the rules that apply, and sends disputes, payment plans and hardship cases to a person.
How it works
- Darwin checks open invoices every day in QuickBooks and Stripe.
- A few days before the due date, Jaca sends a friendly reminder with the invoice and a payment link.
- After the due date, reminders follow the schedule and channels you set, by e-mail or WhatsApp.
- Any dispute, request for a payment plan or sign of hardship goes to a person to decide.
- Darwin updates the aging report as payments arrive and records each promise to pay.
Example of what you get
Weekly receivables report
- Aging by customer: current, 1-30, 31-60 and over 60 days
- Reminders sent and replies received this week
- Promises to pay with dates, and which were kept
- Disputes and payment plan requests waiting for a person
What changes
- Every invoice gets a reminder on time, not when someone remembers
- Customers are treated politely, which protects the relationship
- Finance sees who owes what and what was agreed, in one place
Where a person is still needed. The team does not threaten, negotiate settlements or report anyone to credit agencies. Payment plans, write-offs and legal steps are always a person's decision.
Connects to
Collections team
Is AI debt collection software legal to use?
Reminders about your own invoices are normal business practice, but rules on timing, channels and wording vary by country and by consumer or business debt. You set the policy, and the team follows it; check your local rules before going live.
What does an AI collections agent say to customers?
Short, polite reminders with the invoice number, amount, due date and a payment link. It answers simple questions like "can you resend the invoice?" and passes anything else to a person.
Is customer and payment data safe?
Data stays in Stripe, QuickBooks and your inbox. The agents never see full card numbers, every message is logged, and anything beyond a reminder waits for approval.
How long does it take to start AI for collections?
Connect Stripe or QuickBooks and your e-mail or WhatsApp, then set the reminder schedule and tone. Allow a working session for it. Opening the team is free, so you can start with your oldest invoices.
How does an AI debt collection agent decide when to send a reminder?
It follows the schedule you set: for example one reminder before the due date, then others at set intervals after it. Darwin checks open invoices every day in QuickBooks and Stripe, so a paid invoice stops the reminders right away.
Can AI for accounts receivable send reminders on WhatsApp?
Yes. Jaca sends reminders by e-mail or WhatsApp, depending on the channel you choose for each customer or stage. Replies arrive in the same conversation and are recorded next to the invoice.
What happens when a customer disputes an invoice?
The reminders for that invoice pause and the dispute goes to a person with the customer's message and the invoice history. Henry also routes payment plan requests and signs of hardship to a person. The agents never negotiate on their own.
Can I adjust the tone of the reminders for different customers?
Yes. You can set a softer tone for long-standing customers and a more direct one for invoices that are far overdue, always within your policy. Henry checks that every message keeps to the tone and timing you approved.
Does the AI record promises to pay?
Yes. When a customer says they will pay on a date, Darwin records the promise and checks whether it was kept. The weekly report lists promises made and kept, so your team knows who to call.
How do I know if AI collections is working?
Follow the aging report week by week: how much moves from overdue to paid, and whether the over-60-days bucket shrinks. The weekly report also shows reminders sent, replies received and promises kept.