Collect what is owed, apply what arrived, tell the customer the truth.
For finance teams whose cash is stuck in ageing, unapplied receipts, and call-centre scripts that invent amounts.
Who it's for
Mid-to-large manufacturers and FMCG businesses with a real AR book, a thin collections team, and cash that sits as unapplied receipts or ageing nobody can prioritise.
Typically championed by
The shift
Dunning is a shared inbox and a call list. Payments arrive and sit unmatched. Customers are told amounts that do not match the ledger. Credit notes and short-pays stall both collections and the close.
Collectors stop chasing the inbox. Cash that already arrived stops looking like overdue. Customers hear a number that matches what finance believes.
How it works
One loop on the AR you already have: prioritise what is owed, apply what arrived, flag the short-pay, and tell the customer only what the ledger knows. Voice and WhatsApp are channels, not a second product.
- Step 1
Prioritise the book
Ageing, risk, and open deductions scored so collectors work the invoices that move cash, not the loudest inbox.
- Step 2
Collect with the ledger attached
Outreach (email, WhatsApp, or voice) carries invoice number, amount, and due date from the ledger. Promises to pay are captured, not invented.
- Step 3
Apply cash as it lands
Bank credits matched to invoices. Clean matches go through. Short-pays and deductions become an evidence pack, not an open item that ages in silence.
- Step 4
A human gates credit
Credit notes, write-offs, and any promised pay date stay with your team. The agent drafts. It does not grant.
Modules & sub-capabilities
Collections & Ageing
Prioritised dunning on the open book, promise-to-pay tracking, and reasons (missing POD, query, genuine delay) held on the invoice.
Cash Application
Incoming payment to invoice, including partials. Unapplied cash surfaced instead of sitting in a suspense account until month-end.
Deductions & Debit Notes
Short-pays and claims assembled with delivery and pricing evidence, using the same exception pattern as AP, pointed at customers.
Customer Voice & Outreach
Governed calls and messages for high-value overdue or blocked invoices. Amounts from the ledger only. Human approval before any promise.
Trust & governance
Amounts come from the ledger
Invoice number, balance, and due date are pulled from your AR, not generated by a model. If the field is missing, outreach does not go out.
A person still gates credit
Credit notes, write-offs, and promised pay dates require a human. Voice stays assisted until consented, amount-verified scripts exist.
On your existing AR, not a new CMS
Reads the ageing and bank statement you already export. Posts matches back through sanctioned channels. ERP stays the book.
Proved on your own receipts
Cash-application accuracy is measured in shadow against known outcomes before anything auto-matches. Collections priority is scored against your own ageing.
Agents deployed for this module
These are the named agents we deploy when Order-to-Cash is the production module for your business problem. Each agent is a job we deploy for you. You do not buy software and install it yourself.
Receivables Agent
DSO and unapplied cashPrioritise what is owed, apply what arrived, flag the short-pay.
See how we deploy thisVoice & Outreach Agent
Ledger-true outreachTell suppliers and customers what the ledger already knows.
See how we deploy thisRelated case studies
A listed FMCG collections team worked an ageing dump while high-value overdue sat behind noise.
DSO compressed on the prioritised ageing instead of on whoever the floor had time to ring.
An auto-components supplier's unapplied cash made current invoices look overdue.
Unapplied cash cleared so ageing stopped treating receipts as still due.
A multi-plant cement company chased overdue with scripts that guessed the balance on the call.
Overdue outreach ran from ledger amounts a credit manager would defend.
You might also need
Related insights
Collections Fail When the Amount Is Wrong
DiscvrAI collections apply cash first, then speak from the ledger. Unapplied receipts stop looking overdue. A human still gates credit.
Read article · 5 min →Agentic AI & GovernanceAgentic AI Will Fail Without Human-in-the-Loop Governance
The real question isn't whether to deploy autonomous AI agents, but how to govern them. A staged model, detect, explain, recommend, approve, execute, audit, keeps humans in control of consequential decisions while still letting AI accelerate routine ones.
Read article · 7 min →Manufacturing & FMCGYour Working Capital Problem Isn't a Finance Problem. It's a Data Problem.
Manufacturing CFOs typically manage working capital through siloed teams and disconnected tools rather than as one integrated data problem. Applying AI across receivables, inventory, procurement and dispatch, in that sequence, builds real visibility into the cash conversion cycle.
Read article · 6 min →Get in touch
Frequently asked questions
No. AP is what you pay suppliers. Order-to-cash is what customers owe you. They share a spine (invoice, payment, voice) and they are opposite loops.
No. Amounts, dates, and invoice numbers come only from the ledger. If a field is missing or low-confidence, the case is queued, not spoken.
No. A human still gates credit notes and any promise to pay. The agent drafts the case and the outreach.
Cash application matches bank credits to invoices, including partials, so unapplied cash does not sit in ageing as if it were still due.
No. It reads your ageing and bank feeds and writes matches back through sanctioned channels. Your ERP stays the book of record.
Consent, recording, and do-not-disturb rules are guardrails, the same class as policy checks on AP. Voice is used for high-value overdue or blocked invoices, not every reminder.