AR Cash Collector
Chase overdue invoices — never the ones already paid
Chases overdue invoices and gets you paid — without ever dunning a customer who already settled.
From $99/mo
Collections · Sample
$149,800 safe to ask for today across 32 invoices
Paid or credited, kept out of the chase: 3 invoices
Total owed
$194,800
Overdue
21
Avg. 26 days late
DSO
94
days
Collection rate
59%
Age of debt
- Not yet due$63,550
- 1-30 days$64,150
- 31-60 days$19,000
- 61-90 days$48,100
Control: A deterministic payment match before any draft — settled invoices are never chased
Every morning it reads your open invoices from NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central, matches them against every payment in your connected sources, and drafts a reminder only for invoices that are genuinely unpaid and safe to chase. Letters come from your template: code fills in every amount, date and payment link, and the AI adds at most one short paragraph. Right before a reminder leaves, the invoice is read again in your accounting system; a dispute or a cease-contact request pauses the thread. Business-to-business only, and nothing sends without your click.
Trained on
your open invoices from NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central (we only read, never write) + your Stripe payment records (read-only, so we never chase a customer who already paid you through Stripe) + the letter templates you approve + your own do-not-chase list
Methods
- A deterministic payment match before any draft — settled invoices are never chased
- Each invoice classified safe-to-chase: a business, no active dispute, no cease-contact, no payment in flight
- Three stages by default — a reminder at 7 days past due, a follow-up at 21, a final notice at 45 — timed to each customer's usual payment day
- Every amount, date and link written by code from the invoice — the AI never writes a figure
- Cease-contact honoured immediately and permanently on first request
- Business-to-business only — individual debtors are held, never chased
Who it's for
B2B finance teams tired of chasing overdue invoices by hand — and wary of dunning someone who already paid. The $99 Solo plan fits one legal entity with up to about 300 open invoices on the books — a founder, bookkeeper or small finance team running collections off NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central.
How it works
From signup to the first finished piece of work.
Connect your accounting system — NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central; we only read, never write to your books. Add Stripe too, read-only, so we never chase a customer who already paid you there.
It marks settled invoices as paid and classifies the rest as safe-to-chase or held.
For each safe-to-chase invoice it drafts the letter for the stage the invoice has reached — from your template, figures filled in by code, a «How to pay» block included.
You review the approval queue each morning and send with one click — edit the tone first if you like.
Capability matrix
Does well, with review, won't do.
Out-of-scope tasks escalate · they don't hallucinate
Does well
- Open invoices from NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central, reconciled against payments every morning
- Letters from your own template — every amount, date and link filled in by code, at most one AI-written paragraph
- A «How to pay» block in every letter: the invoice's pay link, your own payment link or your bank details
- Debtor replies sorted, each with a drafted answer that can attach the invoice PDF, a statement or your W-9
- Reminders timed to each customer's usual payment day
- Cease-contact honoured instantly and permanently
- An approval queue ready before you start your day
With review
- Every reminder waits for your approval — auto-send stays off until you switch it on, per debtor
- Every answer to a debtor's reply waits for you to approve, edit or reject it
- Disputed and ambiguous invoices are held for your call
- An active payment plan pauses reminders on its invoices
- Templates and tone are yours to edit before you send
Won't do
- Never chases an invoice your books show as settled — re-read in NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central right before sending
- Never chases consumer debt — business debtors only
- Never uses legal-threat language
- Never sends text messages or makes calls — email only
- Never takes or moves money — your customers pay you directly
- Never writes to your accounting system
How we prove it
0 reminders about money not owed, across 24,073 test invoices
0
15,514 of the 24,073 invoices must never be chased — paid, paid but not yet in the books, credited, disputed, a payment on its way, a payment plan or a promise. Reminders scheduled for any of them.
0
Reminder letters stating an amount other than what is actually owed, out of 8,041 letters rendered and checked.
23.9%
Held for a person to decide — what the engine does when it cannot prove an invoice is owed. It never guesses.
Method: every invoice of the sample company's books over 12 month-ends, in the shapes of 7 accounting systems, each placed in one of 17 situations with a known answer. The same decision path the product runs classifies them, schedules reminders and writes the letters by code; no AI model is involved, and the run gives the same numbers every time. Download the full results (JSON)
Connections
Per tool: why we need it, what we do, how it's audited.
Connect what you need, when you need it. The assistant only reads tools you explicitly link — never the rest of your stack.
- Your accounting — NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central for your open invoices (we only read, never write to them) — and optionally Stripe, read-only, as a payment signal.
- Optional: your own do-not-chase list — uploaded once, honoured on every run.
- Team and above: Slack, Microsoft Teams or a signed webhook — a ping when drafts are ready or a customer replies.
- We reconcile every open invoice against every payment before a single word is drafted.
- We classify each invoice safe-to-chase or held, and scale the tone to the days overdue.
- We honour cease-contact instantly and hold anything that looks like an individual debtor.
We only read NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books, Business Central and Stripe — never write to them. QuickBooks and Business Central offer no read-only permission, so their tokens are technically read-write; Ataski only issues read requests.
Your customers pay you directly: through your accounting system's payment link, your own payment link or your bank account. Ataski never receives, holds or moves money.
Guides & tools
Doing it by hand this month?
The letter
What a reminder looks like
This is the second-stage letter, rendered by the same code that writes real reminders, over a sample invoice. Edit the template for each stage in Settings; the parts that keep a letter honest are added by code.
- Every amount, date, invoice number and payment link is filled in by code from the invoice — the AI never writes a figure.
- By default the AI adds at most one short paragraph about the customer's history, and a second AI model reviews it; if in doubt, the letter goes without it. Template-only letters are one switch away.
- Three stages by default — 7, 21 and 45 days past due — each with its own template you can edit.
- Letters go out in the language you choose; the first-party notice stays in its legally reviewed English, introduced by one line in your letter's language.
Every letter says how to pay: the invoice's own pay link, your payment link or your bank details. With no way to pay, no reminder is drafted. Your customers pay you directly; Ataski never receives, holds or moves money.
Second reminder: invoice INV-1042 is 21 days overdue
Hello, We are following up on invoice INV-1042 for $4,250.00, which was due on Sep 25, 2026 and is now 21 days past due. Could you let us know when we can expect payment, or reply if anything is holding it up?
AI paragraph — example
Thank you for the partial payment you sent earlier this month — the balance above is what remains open on this invoice.
How to pay Pay online with the secure link from your invoice: https://pay.example.com/invoice/INV-1042 Your payment goes directly to Northbridge Analytics; no third party receives or handles it. Thank you for taking care of this. Kind regards, Northbridge Analytics This is a courtesy billing reminder sent by Northbridge Analytics about the invoice referenced in this message, which you hold directly with us. We are the original creditor for this invoice; this is not a communication from a third-party debt collector, and nothing in this message is intended as any kind of threat. If you have already paid, or if you believe the invoice or amount is incorrect or in dispute, reply to this email or contact billing@northbridge.example and we will pause reminders on this account while we review it with you. If the timing is simply difficult, let us know and we will work out an arrangement. ref: ar-quickbooks-INV-1042 This email was drafted with AI assistance on behalf of Northbridge Analytics.
Rendered by the letter code over a sample invoice. The AI paragraph is an illustration: in a real letter it is written from the customer's history, or left out.
What it reads
Six accounting systems — we only read
- NetSuiteinvoices + payments · re-read right before sending
- Sage Intacctinvoices + payments · re-read right before sending
- Xeroinvoices + payments · re-read right before sending · pay link
- QuickBooks Onlineinvoices + payments · re-read right before sending · pay link
- Zoho Booksinvoices at the balance it states · re-read right before sending · pay link
- Business Centralinvoices at the balance it states · re-read right before sending
- Stripepayments only — a customer who paid there is never chased
We only read — never write to your books. QuickBooks and Business Central publish no read-only permission, so their tokens could write, and Ataski only reads. A bank-statement CSV adds payments your books do not show yet.
When customers reply
Replies sorted, answers drafted
Every reply to a reminder is sorted by what the customer is asking, and the ones that need an answer get one drafted — with the document attached.
- “Send me a copy of the invoice” — answered with a copy of the invoice.
- “Can I have a statement?” — answered with a statement of account.
- “We need your W-9” — answered with the W-9 or tax form you keep in your documents.
- “Can we pay in instalments?” — answered with a payment plan inside the limits you set.
- “We'll pay next week” — acknowledged, and the promise to pay is tracked.
“Already paid”, a dispute or “stop contacting me” pause the reminders on that invoice instead. Every answer waits for you to approve, edit or reject it.
Questions
Before you connect your books
Will it ever chase a customer who already paid?
Not knowingly. Before any reminder is drafted, every open invoice is matched against the payments in your connected systems, and an invoice your books show as settled is never chased. Right before a reminder leaves, the invoice is read again in NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central. A customer who replies that they already paid pauses the thread.
Does it send anything without me?
Not by default. Every reminder and every answer to a reply waits in your approval queue. Once you have approved three reminders to a customer you can let it send routine ones to them — and only with the workspace switch on as well.
Does the AI write the amounts?
No. Each stage has a template; the amount, invoice number, due date, days overdue and payment instructions are filled in by code from the invoice. By default the AI adds at most one short paragraph about the customer's history, with no figures, dates or links, and a second AI model reviews it. You can switch to template-only letters.
How do my customers pay?
Directly to you. The letter carries the invoice's own pay link where your accounting system provides one, otherwise your own payment link, your bank details or a note to pay through the customer's accounts-payable process — whichever you set. With none of these, no reminder is drafted. Ataski never receives, holds or moves money.
Which accounting systems does it work with?
NetSuite, Sage Intacct, Xero, QuickBooks Online, Zoho Books and Business Central. We only read — never write to your books. Stripe and a bank-statement CSV add payments. One connection serves every role in your workspace.
Can it chase consumers, send texts or call?
No. It works business-to-business only — a debtor that looks like an individual is held for you — and it writes email only: no text messages, no calls and no legal threats.
Can I try it before paying?
Yes. Open the sample to see the cockpit on a sample company's books, or start free: connect your books and send template reminders from your own mailbox, up to 100 a month, each approved by you — no card. The AI paragraph, drafted answers to replies and automatic sending come with a paid plan.
What it reads on every task
Your data. Not the public internet.
Loaded fresh per task — change a doc, the next task picks it up. No retraining, no week-long fine-tune, no stale snapshot.
- Your open-invoice book — refreshed daily from NetSuite, Sage Intacct, Xero, QuickBooks, Zoho Books or Business Central, private to your workspace
- Your payment record — NetSuite, Sage Intacct, Xero and QuickBooks hand over the payments recorded against each invoice; Zoho Books and Business Central state each invoice's balance net of the payments they know; Stripe and a bank-statement CSV add more. Together they are the already-paid check
- Your cease-contact list — anyone who asked to stop, honoured immediately and permanently
- Your escalation rules — tone by days overdue, and how many touches before it escalates to you
Guardrails
When it stops and asks you.
- An invoice with any unresolved payment record — held until the payment is confirmed or reversed
- A debtor who replied 'stop contacting me' — removed from the chase queue instantly and permanently
- A disputed invoice — paused and routed to your review before any further draft
- A debtor that looks like an individual rather than a business — held for your classification
Plans
Cockpit · Free
Free: template reminders from your own mailbox, up to 100 a month, each approved by you. Up to 100 invoices, no card. AI paragraph, reply answers and automatic sending on paid plans.
New here? The first 14 days are the full Solo plan — AI paragraph, AI answers to replies, autopilot — free, no card. Then this free plan, by itself.
Solo
$99/mo
One entity · up to 300 invoices · $99/mo
+ to Free
- AI paragraph in letters
- AI-drafted answers to customer replies, documents attached
- Autopilot for routine reminders, customer by customer
- Unlimited letters (one per customer per week)
or $990 a year — 2 months free · Pay yearly
Growth
$249/mo
Two entities · up to 1,000 invoices · 3 users · $249/mo
+ to Solo
- Payment plans: split an overdue invoice into instalments
- Customers accept a plan in their payment portal
or $2,490 a year — 2 months free · Pay yearly
Team
$499/mo
Three entities · up to 2,500 invoices · 5 users · $499/mo
+ to Growth
- Customers assigned to staff, each with their own queue
- Roles: approver, editor, viewer
- Per-user visibility by legal entity
- Alerts to Slack, Microsoft Teams or a webhook
or $4,990 a year — 2 months free · Pay yearly
Business
$999/mo
Five entities · up to 10,000 invoices · 20 users · $999/mo
+ to Team
- SSO (SAML) on request
- Audit-log export
- Priority support
or $9,990 a year — 2 months free · Pay yearly
On Financial Analyst Team or above? AR Cash Collector Solo is already included — nothing extra to buy.
Try the sample, or start with your own data.