Boost recovery and reduce manual follow-ups with our collections coordination AI agent services built to streamline workflows, improve cash flow, and help teams collect faster.
Most AR tools send reminders, but don’t resolve disputes, sync ERP updates, or act when customers push back.
Generic AR tools send fixed reminders without reading account value, payer history, dispute risk, or urgency, causing high-priority collections cases to be treated alike.
Without ERP write-back, payment promises, dispute notes, customer responses, and status updates stay outside SAP or NetSuite, forcing manual entry and delays.
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Collections workflows need FDCPA, Reg F, TCPA, contact windows, and frequency rules built in from day one, not patched after launch.
Reminder bots stop at outreach, while collections teams need agents that interpret context, coordinate next steps, escalate disputes, and prevent critical accounts from slipping.
The agent reviews AR aging reports, scores overdue accounts by balance, aging, history, and disputes, then queues collections actions by priority.
It sends payment reminders through email, SMS, and portals, adapting message tone, timing, and content by account profile and collection stage.
The agent captures dispute details, classifies the issue, routes it to the right team, and tracks progress until the dispute is closed.
It logs payment commitments with amount and due date, monitors fulfillment, and triggers follow-ups when promised payments are missed.
The agent offers approved payment plan options, records customer acceptance, creates ERP plan records, and monitors installment compliance automatically.
High-risk accounts are routed to human collectors with complete interaction history, risk details, and recommended next actions for faster resolution.
The agent packages account data for third-party agencies, logs handoff activity in the ERP, and tracks recovery status across the lifecycle.
It matches payments to invoices using remittance data, flags short-pays or partial payments, and posts matched transactions to the AR subledger.
Every reminder, response, dispute note, and payment interaction is logged directly in the CRM or ERP without spreadsheets or manual entry.
The agent monitors DSO by portfolio and segment, identifies accounts increasing risk, and alerts AR managers before month-end reporting.
Agents built for high-value invoice collections across complex customer hierarchies, credit limits, and multi-contact account structures, including dispute escalation to credit managers.
Multi-entity AR environments where one collections team manages receivables across several business units or legal entities, with entity-level compliance and reporting separation.
Patient billing and insurance AR workflows with payer-specific follow-up logic, denial management routing, and compliance guardrails aligned to HIPAA and state billing regulations.
Failed payment recovery, dunning sequence management, and churn prevention workflows integrated with billing platforms
Loan payment follow-up, covenant breach notification, and consumer collections workflows are built with FDCPA, Reg F, and TCPA compliance enforced at every contact point.
Cross-currency AR environments with entity-specific collection rules, localized compliance requirements, and consolidated DSO reporting across the group.
Outcomes:
Single-agent AR workflows create bottlenecks and risk. We build multi-agent pipelines with clear scopes, seamless handoffs, and full context.
Get a QuoteThe prioritization agent scores and queues accounts; the outreach agent handles communication. Separating these lets each agent optimize for its specific task without logic conflicts.
The system maintains account-level memory across sessions, with prior contact attempts, dispute history, payment promises, and collector notes, so each new interaction has full context.
Agents read AR aging data, customer records, and payment history from your ERP and CRM, and write back interaction logs, status changes, plan records, and dispute notes in real time.
Dispute handling is managed by a dedicated sub-agent with access to invoice records, PO matching data, and approval workflows — routed automatically based on dispute type and dollar threshold.
Configurable rules determine when an agent hands off to a human collector: account value, dispute complexity, customer tier, or consecutive non-response. The handoff includes a full interaction summary.
Contact frequency caps, channel restrictions, and required disclosures are enforced at the agent level, not as a post-send review, but before any outreach is initiated.
Direct integration with SAP Financial Accounting and Oracle Accounts Receivable for aging data reads, payment posting, dispute logging, and status updates, with no middleware layer required.
Full read and write access to AR subledgers in NetSuite and Dynamics 365, including customer records, invoice status, payment plan creation, and collections notes.
Reads account and contact data from Salesforce, logs collections interactions as activity records, and updates account health fields based on collections outcomes.
Integrations for mid-market finance teams using QuickBooks Enterprise or Sage Intacct, covering invoice aging reads, payment logging, and AR aging report generation.
Connects to customer payment portals and ACH payment processors to confirm payment receipt, match to open invoices, and update ERP records on confirmation.
Integrates with billing platforms including Stripe Billing, Chargebee, Zuora, and invoice delivery tools to sync invoice status, resend requests, and link payment activity to collections workflows.
Building production-ready collections agents starts with AR data quality, ERP write-back limits, and compliance requirements.
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Document your current AR process end-to-end, including account prioritization, outreach sequences, dispute handling, and collector time allocation.
Review aging data, customer segmentation, contact quality, and regulatory requirements before writing agent logic.
Design the agent architecture and select the right LLM based on workflow complexity, data volume, and compliance needs.
Build integrations for data reads, action writes, and real-time sync between the agent and systems of record.
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Run a controlled pilot with collector review, approval workflows, and calibrated confidence thresholds before full deployment.
Train collectors to review escalations, override decisions, and work with agent-generated interaction summaries.
Monitor performance, track DSO and contact metrics, and refine agent logic as AR patterns or compliance needs chang
Regularly review audit logs, regulatory changes, collector feedback, and recovery outcomes to keep the agent aligned with business and compliance goals.
We don't take a generic agent template and rename it. Every collection agent we build is scoped to your AR workflow, your ERP, and your customer segmentation.
The engineers working on your build understand AR aging, DSO calculations, dispute workflows, and ERP data models, not just LLM orchestration.
We've built production integrations with SAP FI/AR, Oracle AR, NetSuite, and Dynamics 365, including write-back for payment plans, dispute records, and collections status updates.
FDCPA, Reg F, TCPA, and GDPR guardrails are built into the agent's decision logic from the architecture phase, not added as a policy document after deployment.
The agent, integration layer, and custom logic we build are yours. No licensing fees, no vendor lock-in, no dependency on our infrastructure to keep it running.
Every engagement is scoped for deployment into your live AR environment, with testing against real data, ERP integration validation, and collector onboarding before go-live.
Turn manual AR follow-ups into agent-driven workflows that improve recovery speed, reduce collector workload, and keep every account moving.
Fill the form below or Contact us at +1 408 365-4638 / email us via contact@folio3.ai
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