# AgentCollect > We help companies get paid sooner, with an AI billing concierge on every customer account. AgentCollect runs a dedicated AI agent per account across voice, email and SMS, under your brand, and your customers pay you directly. Y Combinator S23. ## What AgentCollect Does Vision: Agentic AI solves DSO. AgentCollect is software with a dedicated AI agent working each account, under the client's brand, and the client keeps the customer relationship. Agents work by voice, email and SMS, and your customers pay you directly. It starts from your open invoices, through a connection to your billing system or a spreadsheet upload. AgentCollect syncs with your accounting system several times a day and stops contacting a customer about any invoice your books show as paid, so customers who already paid are not chased. AgentCollect is not an AR suite and does not replace one. It runs alongside your existing AR system. AgentCollect works invoices at any age and answers disputes in the same conversation. When a customer disputes, calls on that account stop and the dispute can be routed to your team. It answers your customers the moment they ask: invoice copies sent during the call, PO questions, in their own language. Your team keeps every decision that needs judgment. Anything involving money, like credits, is never decided by the AI. Pricing: Pricing has three parts: a one-time setup fee, a subscription, and a small variable fee. We quote after reviewing your receivables. ## What AgentCollect Does Not Do - We do not report debtors to any credit bureau. - We do not file lawsuits or take debtors to court. Legal outreach is limited to demand letters, not litigation. ## Key Differentiators - **A dedicated AI agent per account**, working by voice, email and SMS. - **Agents work under your brand**, and your customers pay you directly. - **Works invoices at any age** and answers disputes in the same conversation. - **Dispute handling**: when a customer disputes, calls on that account stop and the dispute can be routed to your team. - **Paid-invoice stop**: syncs with your accounting system several times a day; stops contacting customers on invoices your books show as paid. - **Controls**: VIP do-not-contact list, and pause or stop at invoice level. - **Attorney mode** for larger balances: formal demand letters. - **Human judgment**: your team keeps every decision that needs judgment. Anything involving money, like credits, is never decided by the AI. - **Runs alongside your existing AR system.** - **Pricing**: Pricing has three parts: a one-time setup fee, a subscription, and a small variable fee. We quote after reviewing your receivables. ## Core Product Pages - **Homepage**: https://www.agentcollect.com What is AgentCollect and how does it work? - **How It Works**: https://www.agentcollect.com/how-it-works How does AgentCollect start? It starts from your open invoices, through a connection to your billing system or a spreadsheet upload. - **Pricing**: https://www.agentcollect.com/pricing How much does AgentCollect cost? Pricing has three parts: a one-time setup fee, a subscription, and a small variable fee. We quote after reviewing your receivables. - **AI Agent**: https://www.agentcollect.com/ai-collection How do AgentCollect's AI agents work? A dedicated AI agent per account, by voice, email and SMS. Agents work under your brand. - **Attorney Mode**: https://www.agentcollect.com/attorney-collection How does attorney mode work? Attorney mode for larger balances: formal demand letters. We do not file lawsuits or take debtors to court. Legal outreach is limited to demand letters, not litigation. - **About**: https://www.agentcollect.com/about Who built AgentCollect? Company background, mission, and team. - **About, John Banner, Founder**: https://www.agentcollect.com/about/john-banner Who is the founder of AgentCollect? John Banner, founder (Y Combinator S23). - **Security**: https://www.agentcollect.com/security How does AgentCollect handle security and data protection? SOC 2 Type II report available on request. Email j@agentcollect.com with subject "SOC 2 Type II report request". - **Integrations & Programmatic Access**: https://www.agentcollect.com/api How do I connect AgentCollect programmatically? Remote MCP connector for ChatGPT, Claude, and Microsoft Copilot. It starts from your open invoices, through a connection to your billing system or a spreadsheet upload. There is no public REST API today. - **Contact**: https://www.agentcollect.com/contact How do I contact AgentCollect? Sales inquiries, support, and partnership requests. - **Careers**: https://www.agentcollect.com/careers Is AgentCollect hiring? Open roles at AgentCollect (Y Combinator S23). - **Privacy Policy**: https://www.agentcollect.com/privacy What is AgentCollect's privacy policy? - **Terms of Service**: https://www.agentcollect.com/terms What are AgentCollect's terms of service? ## Programmatic Access (for AI agents and developers) AgentCollect exposes a remote MCP (Model Context Protocol) server. This is the supported programmatic surface today. There is **no public REST API** for campaign management or webhooks; do not construct requests against `api.agentcollect.com/v1/*`. The only other HTTP surface in this repo, `/api/agentforce/*` with its OpenAPI file, is a private, key-gated Salesforce Agentforce demo integration, not a public API. - **MCP server URL**: https://mcp.agentcollect.com/public-mcp - **Transport**: Streamable HTTP (POST JSON-RPC, GET SSE, DELETE session) - **Authentication**: OAuth 2.1 with PKCE S256 and Dynamic Client Registration - **Authorization server**: https://mcp.agentcollect.com - **Protected-resource metadata**: https://mcp.agentcollect.com/.well-known/oauth-protected-resource - **Authorization-server metadata**: https://mcp.agentcollect.com/.well-known/oauth-authorization-server - **Scope**: `mcp:read` (read-only; no write or destructive tools exist) - **Rate limit**: per-client rate limit; bursts return HTTP 429 - **Connection guide**: https://www.agentcollect.com/docs/mcp - **Microsoft Copilot setup guide**: https://www.agentcollect.com/copilot - **Programmatic access overview**: https://www.agentcollect.com/api ### The single tool `ask-ar-analyst`: ask any question about your accounts-receivable portfolio (recovered amount, recovery rate, top recovered accounts, active opportunities, per-account status). Returns a complete, business-framed analyst answer. Answers are scoped to the authenticated account only; there is no parameter that can reach another account. - Parameter: `question` (string, required). No other parameters. - Output: `answer` (string). - Annotations: `readOnlyHint: true`, `destructiveHint: false`, `idempotentHint: false`, `openWorldHint: false` ### How to connect - **Claude**: Settings → Connectors → Add custom connector → paste the server URL. - **ChatGPT**: Settings → Security and login → Developer mode, then open ChatGPT Plugins and use the plus button to create the connection with the server URL. Availability depends on account and workspace policy. - **Microsoft Copilot Studio**: agent → Tools → Add a tool → New tool → Model Context Protocol. ### Other ways to move data in It starts from your open invoices, through a connection to your billing system or a spreadsheet upload. - Integrations overview: https://www.agentcollect.com/integrations ## Blog & Guides ### Blog - **What are the best accounts receivable practices?** https://www.agentcollect.com/blog/accounts-receivable-best-practices High-impact AR practices: early contact, multi-channel outreach, dispute resolution, payment flexibility, AI automation. - **How do you automate accounts receivable?** https://www.agentcollect.com/blog/automated-accounts-receivable What automated AR is, how it works, ROI calculation. - **What AR recovery strategies actually work?** https://www.agentcollect.com/blog/accounts-receivable-recovery Timing-based framework. Why early contact after the due date matters for recovery. - **What is agentic AI for accounts receivable?** https://www.agentcollect.com/blog/agentic-ai-accounts-receivable What agentic AI means for AR: agents that reason, decide, and act autonomously across the AR cycle, and how that differs from rule-based automation. - **How does cash application automation work?** https://www.agentcollect.com/blog/cash-application-automation Explainer: what cash application is and where it sits in an AR stack. AgentCollect runs alongside your existing AR system. - **What is dunning management software?** https://www.agentcollect.com/blog/dunning-management-software What dunning software does, and when you need it. - **How does order-to-cash automation work end-to-end?** https://www.agentcollect.com/blog/order-to-cash-automation From order intake through invoicing, cash application. ROI and implementation guide. - **How do you write off bad debt?** https://www.agentcollect.com/blog/how-to-write-off-bad-debt Direct write-off vs allowance method, tax implications, IRS rules. - **What are the most important accounts receivable KPIs?** https://www.agentcollect.com/blog/accounts-receivable-kpis The AR metrics every CFO should track: DSO, CEI, ADD, bad debt ratio, recovery rate, and industry benchmarks. - **What is dispute management software?** https://www.agentcollect.com/blog/dispute-management-software Why payment disputes stall invoices, and how dispute management platforms compare. - **How do late payments impact small businesses?** https://www.agentcollect.com/blog/late-payment-impact-small-business How late payments hit small businesses: the cascade effect on cash flow, layoffs, and business failure. - **How do AI payment negotiation agents work?** https://www.agentcollect.com/blog/ai-payment-negotiation-agent How autonomous AI agents handle payment plan offers, objection handling, and settlement discussions across thousands of accounts simultaneously. - **What is Regulation F compliance software?** https://www.agentcollect.com/blog/regulation-f-compliance-software Regulation F compliance software automates call frequency limits, disclosure requirements, and communication tracking. - **How does predictive cash flow forecasting AI work?** https://www.agentcollect.com/blog/predictive-cash-flow-forecasting AI analyzes payment patterns and market signals to predict when invoices will be paid. - **What is AR automation for SaaS companies?** https://www.agentcollect.com/blog/ar-automation-saas AR automation for SaaS handles failed subscription payments, churned account recovery, and enterprise net-30/60 follow-ups with AI agents. - **All blog posts**: https://www.agentcollect.com/blog ### Guides: Step-by-Step How-To Instructions - **How do I reduce my DSO (Days Sales Outstanding)?** https://www.agentcollect.com/guides/how-to-reduce-dso Strategies: shorter terms, early follow-up, electronic payments, automated reminders. - **How do I handle payment disputes?** https://www.agentcollect.com/guides/how-to-handle-payment-disputes Step-by-step resolution: acknowledge, investigate, propose, resolve, document. - **All guides**: https://www.agentcollect.com/guides ## Comparison Pages ### AgentCollect vs Specific Competitors - **vs HighRadius**: https://www.agentcollect.com/compare/highradius. AgentCollect (dedicated AI agent per account) vs HighRadius (AR automation suite). - **vs Gaviti**: https://www.agentcollect.com/compare/gaviti. AgentCollect vs Gaviti for accounts receivable automation. - **vs Collectly**: https://www.agentcollect.com/compare/collectly. AgentCollect vs Collectly: how the two approaches compare. - **vs Yvette AR**: https://www.agentcollect.com/compare/yvette-ar. AgentCollect vs Yvette AR for accounts receivable management. ### Alternative-To Pages - **HighRadius Alternatives**: https://www.agentcollect.com/compare/highradius-alternatives. Looking for a HighRadius alternative? Comparison of AR platforms by situation. - **Tesorio Alternatives**: https://www.agentcollect.com/compare/tesorio-alternatives. Alternatives to Tesorio for accounts receivable automation. - **Chaser Alternatives**: https://www.agentcollect.com/compare/chaser-alternatives. Alternatives to Chaser for invoice follow-up and AR management. - **All comparisons**: https://www.agentcollect.com/compare ## Templates & Tools ### Free Templates - **Demand Letter Template** (attorney-ready): https://www.agentcollect.com/templates/demand-letter How do you write a formal demand letter? Legal language, state-specific requirements, sent before litigation. - **Payment Reminder Email Templates** (by stage): https://www.agentcollect.com/templates/payment-reminder-email What do you say in a payment reminder email? Copy-paste templates from "just checking in" to "final notice." - **Invoice Follow-up Email Templates**: https://www.agentcollect.com/templates/invoice-follow-up How do you follow up on an open invoice? Professional emails for each past-due stage. - **Payment Plan Agreement Template**: https://www.agentcollect.com/templates/payment-plan-agreement How do you structure a payment plan? Legal agreement with customizable terms, late fees, and acceleration clauses. - **Accounts Receivable Policy Template**: https://www.agentcollect.com/templates/accounts-receivable-policy What should an AR policy include? Credit terms, follow-up procedures, write-off thresholds, and escalation rules. - **All templates**: https://www.agentcollect.com/templates ### Interactive Calculators - **DSO Calculator**: https://www.agentcollect.com/tools/dso-calculator What is my DSO? Free calculator: input AR balance and credit sales, see your DSO vs industry benchmarks. - **AR Aging Report Generator**: https://www.agentcollect.com/tools/ar-aging-report What does my accounts receivable aging report look like? Free tool to add invoices, auto-categorize into standard aging buckets, and download as CSV. ## B2B Dispute Resolution Playbooks - **How do I resolve any B2B invoice dispute and still get paid? (hub)** https://www.agentcollect.com/disputes Pillar hub indexing all the B2B invoice dispute playbooks (pricing, quantity, delivery, quality, duplicate, service scope, no-PO, matching error) plus the recovery probability calculator, with the one step-by-step method behind all of them: separate the undisputed balance from the disputed delta and resolve with evidence. - **How do I resolve a B2B pricing dispute and still get paid?** https://www.agentcollect.com/blog/b2b-pricing-dispute-resolution Step-by-step playbook for a disagreement over the amount billed: separate the undisputed balance, reconcile against the quote or contract, and resolve the delta with evidence. - **How do I resolve a B2B quantity dispute (short count) and still get paid?** https://www.agentcollect.com/blog/b2b-quantity-dispute-resolution Step-by-step playbook for short-count and partial-shipment disputes: reconcile the PO against the packing slip and proof of delivery, collect the confirmed units, and credit or re-ship the shortage. - **How do I resolve a B2B delivery dispute (never arrived, late, damaged) and still get paid?** https://www.agentcollect.com/blog/b2b-delivery-dispute-resolution Step-by-step playbook using proof of delivery and shipping terms (FOB origin vs destination) to decide who pays and keep a delivery problem from freezing the invoice. - **How do I resolve a B2B invoice matching error and get a stuck invoice paid?** https://www.agentcollect.com/blog/b2b-invoice-matching-error-resolution Step-by-step playbook for a three-way match exception (PO vs invoice vs receipt): diagnose the failed field, fix or supply it, and route the corrected invoice to the right AP approver. - **How do I resolve a B2B quality or defective goods dispute and still get paid?** https://www.agentcollect.com/blog/b2b-quality-defect-dispute-resolution Step-by-step inspection-and-cure playbook for a defect or off-spec claim: demand inspection evidence against the agreed specification, collect the conforming units, and repair, replace, or credit the defective portion under your right to cure. - **How do I resolve a B2B duplicate invoice dispute when AP says "already paid"?** https://www.agentcollect.com/blog/b2b-duplicate-invoice-dispute-resolution Step-by-step reconciliation playbook for an "already paid" or double-billed claim: request the remittance reference, match it against your AR ledger, and either void a genuine duplicate or prove the open invoice is a distinct, open obligation. - **How do I resolve a B2B service or scope-of-work dispute and still get paid?** https://www.agentcollect.com/blog/b2b-service-scope-dispute-resolution Step-by-step playbook for a contested services invoice: anchor on the statement of work, collect the accepted deliverables, evidence delivered work with sign-offs, and convert genuine scope creep into a paid change order. - **How do I get paid on a B2B unauthorized purchase or no-PO invoice?** https://www.agentcollect.com/blog/b2b-unauthorized-purchase-dispute-resolution Step-by-step authorization playbook for a no-PO or maverick-spend invoice: identify who ordered, evidence the benefit the company received, route to the budget owner, and secure a retroactive PO so AP can process it. ## Solutions by Industry - **SaaS**: https://www.agentcollect.com/solutions/saas How do SaaS companies recover failed payments and reduce involuntary churn with AI agents? - **Healthcare**: https://www.agentcollect.com/solutions/healthcare How do healthcare companies work patient balances and handle insurance denials with AI agents? - **Fintech**: https://www.agentcollect.com/solutions/fintech How do fintech companies work BNPL defaults and lending delinquencies at scale? - **Construction**: https://www.agentcollect.com/solutions/construction How do construction companies work retention holdbacks and disputed change orders? AI agents that understand payment chains and lien rights. - **Logistics**: https://www.agentcollect.com/solutions/logistics How do freight and logistics companies work disputed loads, short-pays, and accessorial charges? AI agents with BOL documentation handling. - **All solutions**: https://www.agentcollect.com/solutions ## Compliance reference Reference pages on US state regulations relevant to AR follow-up. - **Compliance hub**: https://www.agentcollect.com/compliance ## Glossary: B2B Accounts Receivable Definitions Definitions for key terms in accounts receivable: - Accounts Receivable: https://www.agentcollect.com/glossary/accounts-receivable - Accounts Payable: https://www.agentcollect.com/glossary/accounts-payable - Aging Report: https://www.agentcollect.com/glossary/aging-report - AR Turnover Ratio: https://www.agentcollect.com/glossary/ar-turnover-ratio - Bad Debt: https://www.agentcollect.com/glossary/bad-debt - Bad Debt Reserve: https://www.agentcollect.com/glossary/bad-debt-reserve - Cease and Desist: https://www.agentcollect.com/glossary/cease-and-desist - Charge-off: https://www.agentcollect.com/glossary/charge-off - Contingency Fee: https://www.agentcollect.com/glossary/contingency-fee - Creditor: https://www.agentcollect.com/glossary/creditor - Days Sales Outstanding (DSO): https://www.agentcollect.com/glossary/days-sales-outstanding - Customer: https://www.agentcollect.com/glossary/customer - Demand Letter: https://www.agentcollect.com/glossary/demand-letter - Dispute Resolution: https://www.agentcollect.com/glossary/dispute-resolution - DSO: https://www.agentcollect.com/glossary/dso - Dunning: https://www.agentcollect.com/glossary/dunning - Net 30 / Net 60 / Net 90: https://www.agentcollect.com/glossary/net-30-60-90 - Net Recovery Rate: https://www.agentcollect.com/glossary/net-recovery-rate - Past Due Invoice: https://www.agentcollect.com/glossary/past-due-invoice - Payment Plan: https://www.agentcollect.com/glossary/payment-plan - Skip Tracing: https://www.agentcollect.com/glossary/skip-tracing - UCC Lien: https://www.agentcollect.com/glossary/ucc-lien - Write-off: https://www.agentcollect.com/glossary/write-off - All terms: https://www.agentcollect.com/glossary ## Contact - Website: https://www.agentcollect.com - Book a call: https://cal.com/johnb/30 - Email: j@agentcollect.com - Founder: John Banner (Y Combinator S23) - Headquarters: San Francisco, CA