Solutions

AR Collections That Actually Work

AI voice agents follow up on aging invoices, negotiate payment plans, and recover revenue — without awkward conversations for your team.

Professional. Persistent. Tireless. Collect what you're owed while preserving customer relationships.

AI-powered AR collections

The Collections Problem

Cash is king — but it's sitting in your receivables instead of your bank account. Your AR team is stretched thin, making the same calls over and over to the same customers. The awkward conversations pile up. Accounts slip through the cracks. And your DSO keeps climbing.

The math doesn't work. A typical AR rep can make 40-50 calls per day. With thousands of overdue invoices, most never get called at all. The ones that do often get just one follow-up before someone moves on to more urgent fires.

High-value invoices sitting for weeks
Money you've earned is stuck in aging reports instead of your bank account
No dedicated collections role
Most distributors can't justify a full-time collector — AR falls to whoever's available
Sales reps avoid the awkward calls
Asking for money strains relationships — reps would rather focus on new sales
Fragmented, inconsistent follow-up
Some accounts get five calls, others get zero — no reliable process

Meanwhile, your customers aren't bad people — they're busy people. They fully intend to pay, but your invoice is competing with a hundred other priorities. A timely, professional reminder is often all it takes.

What if every overdue invoice got consistent, professional follow-up — automatically?

$1.4M

Average uncollected AR for mid-market companies

73%

Of invoices never receive a follow-up call

45 days

Average DSO in distribution

How AI Collections Works

From aging invoice to payment commitment in four steps. Consistent follow-up without human intervention.

STEP 01

Sync AR Aging

Workd connects to your ERP and pulls aging data nightly. Knows exactly which invoices are 30, 60, 90+ days overdue.

STEP 02

AI Makes Calls

Voice agents call AP contacts with friendly, professional reminders. Know the invoice details, customer history, and payment terms.

STEP 03

Negotiate & Commit

AI handles common scenarios: payment plans, dispute resolution, payment link delivery. Gets commitments and logs them.

STEP 04

Track & Escalate

Every interaction logged to ERP. Follow-up scheduled automatically. Escalates to human AR for complex situations.

Automated Collection Cadence

Day 31
Friendly reminder call
Day 45
Follow-up + payment link
Day 60
Payment plan offer
Day 75+
Human escalation

What It Sounds Like

Professional and empathetic — preserving the relationship while getting results.

Sample Call — 45-Day Past Due
AI Agent

"Hi, this is Alex calling from Johnson Supply regarding invoice #4892 for $3,247.50. It was due on January 15th and I wanted to check in on the status. Is this a good time?"

AP Contact

"Oh, yeah, sorry about that. We've been swamped and I think that one got missed in the approval queue."

AI Agent

"No problem at all — I completely understand how that happens. Would it help if I sent over a payment link you can use to process it directly? Or if you'd prefer to spread it out, we can set up a quick payment arrangement."

AP Contact

"The payment link would be great actually. Can you text it to me?"

AI Agent

"Absolutely. I'll send that to the number I called right after we hang up. Thanks so much for taking care of this, and please don't hesitate to reach out if anything else comes up."

Use Cases

AI collections adapts to your specific AR challenges and customer relationships.

Aging Buckets

Different messaging for 30, 60, 90-day overdue. Escalating urgency with appropriate tone for each stage.

Payment Plans

AI can negotiate and set up payment arrangements within your pre-defined parameters. Split payments, extended terms.

Dispute Handling

When customers cite billing disputes, AI captures details and routes to the right person while still pursuing valid balances.

Payment Links

Instantly send SMS or email payment links during the call. Reduce friction between "yes I'll pay" and actual payment.

Promise-to-Pay Tracking

AI captures payment commitments and automatically follows up if they're not kept. No more broken promises falling through cracks.

VIP Accounts

Flag high-value customers for human-only outreach or gentler AI messaging. Protect your most important relationships.

Why AI Collections Works

Consistent Follow-Up
Every overdue invoice gets professional outreach — no accounts slip through the cracks
Contact More Accounts
AI reaches accounts your team never has time to call, reducing days sales outstanding
Preserve Relationships
Professional, empathetic tone that protects customer relationships while recovering revenue

What Gets Automated vs. What Stays Human

AI Handles

  • First-touch reminder calls (30 days)
  • Follow-up sequences (45, 60 days)
  • Standard payment plan setup
  • Payment link delivery
  • Promise-to-pay tracking
  • Invoice resending and confirmation

Humans Handle

  • 90+ day seriously delinquent accounts
  • Complex disputes requiring investigation
  • Credit limit decisions
  • Non-standard payment arrangements
  • Strategic account relationships
  • Legal escalation decisions

Deep ERP Integration

Workd connects directly to your ERP's AR module. Real-time aging data, customer payment history, invoice details, and credit information — all available to the AI during calls.

We integrate with the ERPs distributors actually use: Epicor Prophet 21, Eclipse, NetSuite, SAP Business One, Sage, Acumatica, Microsoft Dynamics, and QuickBooks.

View all integrations →
Epicor
NetSuite
Sage
SAP
Dynamics
QuickBooks

Related Solutions

AR collections pairs well with these workflows for a complete customer lifecycle.

Who It's For

A win for everyone who touches AR — from the CFO to the outside sales rep.

Owners & Executives

Recover cash faster — without hiring. Reduce aging AR and improve cash flow with automated outreach that works 24/7, without adding headcount.

Cut DSO by 10-15% in 90 days

AR & Finance Teams

Tireless, accurate follow-up on every invoice. AI handles the routine calls so your team can focus on complex disputes and high-value accounts.

Save 30+ hours per month

Sales Leaders

Let your team focus on selling, not chasing invoices. Use AI as the "bad cop" so reps can stay focused on revenue and relationships.

Reps stay on quota, not collections

Outside Sales

Maintain customer relationships without going soft on payments. AI handles awkward conversations so you can focus on the road.

Preserve relationships, collect more

Real Results from AI Collections

10-15%
DSO reduction in 90 days
3x
More recovered from at-risk accounts
30+ hrs
Saved monthly per AR team
24/7
Always-on collections outreach

Frequently Asked Questions

Will this damage customer relationships?

Actually, it often improves them. AI provides consistent, professional follow-up without the emotional charge that can creep into human collection calls. Customers appreciate clear communication and easy payment options. And because AI follows up reliably, issues get resolved faster — before small balances become relationship-damaging disputes.

How does AI handle disputes?

When a customer mentions a dispute — wrong quantity, damaged goods, pricing issue — AI captures the details, acknowledges the concern, and immediately routes it to your AR team for investigation. It won't keep pushing for payment on disputed invoices, but it will continue to follow up on any undisputed balances.

Can we customize the collection cadence?

Absolutely. You define when first contact happens, how many follow-ups occur, what tone to use at each stage, and when to escalate to humans. Different customer segments can have different cadences — maybe you're gentler with long-time customers and more aggressive with new accounts that haven't established trust yet.

What about credit hold decisions?

AI informs customers if they're on credit hold and explains what's needed to resolve it. But credit limit and hold decisions remain with your team. AI can flag accounts that might need holds and provide context for those decisions, but it won't make them autonomously.

Does it integrate with our payment processor?

Yes. Workd integrates with major payment processors to generate secure payment links during calls. Customers can pay immediately via credit card, ACH, or other methods you accept. Payments flow back to your ERP automatically.

Recover Your Revenue

Stop leaving money on the table. Let AI handle the uncomfortable conversations while you focus on growing the business.