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Accounts Receivable

Collections, reminders, cash application, and late-payment risk.

Accounts receivable work is mostly follow-up: knowing who owes what, how late it is, and what to send next. The workflows here cover building a weekly chase list, drafting reminder emails, predicting which invoices are likely to be paid late, calculating days overdue in Excel, and applying customer payments from remittance advice.

Some run inside a receivables tool such as Upflow, Chaser or Invoiced. Others use a general assistant on an exported aged receivables report. Xero describes JAX helping with payment follow-ups[1][2].

Whichever route you take, read each draft before it reaches a customer, whichever assistant wrote it. OpenAI, for example, says ChatGPT can be inaccurate and tells users to double-check critical facts[3].

Workflows

AI tool
  • Accounts Receivable

    Apply Customer Payments to Invoices with Remittance Advice AI

    Invoiced's cash application page describes a CashMatch AI algorithm that applies customer payments to the right accounts, invoices and balances, plus remittance advice AI where you upload a document and the system matches payments to invoices while flagging inconsistencies. It also mentions custom matching rules, a virtual lockbox for scanning paper checks, short-pay and over-pay handling, multi-invoice application and a confidence score from 1 to 100 percent per match.

    Invoiced, Invoiced CashMatch

    Invoiced (vendor product page)
  • Accounts Receivable

    Build a Weekly AR Chase List and Reminder Drafts with AI

    This free interactive lesson has a bookkeeper upload an AR aging report CSV to ChatGPT and ask for a chase list that skips invoices not yet due, holds disputed invoices in a separate list, and sorts oldest bucket first then largest amount. The user checks rows and totals against the file, then asks ChatGPT to draft friendly, firm or final reminder emails, verifies every fact, and sends the emails personally.

    Works in ChatGPT, Claude, Grok, Gemini

    Stepthrough by Ynteractive (interactive tutorial)
  • Accounts Receivable

    Calculate Receivable Days Overdue with Copilot in Excel

    Microsoft Support explains that Copilot in Excel can add columns that calculate new values from your existing data, such as durations, and explain how each formula works. A short YouTube tutorial applies this to receivables: Copilot suggests a days-overdue formula, the formula is then edited to count from today when the paid-in-full date is blank and to handle partial payments, and the new column is sorted from largest to smallest to focus on the longest overdue accounts.

    Microsoft 365 Copilot, Microsoft Excel

    Microsoft Support (Get data insights with Copilot in Excel)
  • Accounts Receivable

    Let an Upflow Collection Agent Draft Replies and Log Promises to Pay

    Upflow's documentation describes AI collection agents that act on inbound customer emails in the Upflow AR inbox. Each agent has three skills, Replies, Promise to pay and Disputes, and admins set each skill to Off, Suggestions only or Auto-mode, then assign the agent to workflows. Replies must first be managed in Upflow, and the agent works only from customer, invoice and conversation data in Upflow.

    Upflow, Upflow collection agents

    Upflow Documentation
  • Accounts Receivable

    Predict Late-Paying Invoices with Business Central Late Payment Prediction

    Microsoft Learn documents the Business Central Late Payment Prediction extension, which predicts whether posted sales invoices will be paid late so you can adjust payment terms or methods. Once enabled, a Payments Predicted to be Late tile opens Customer Ledger Entries with Late Payment and Prediction Confidence columns, and the model trains on invoice amounts, payment terms, credit memos and aggregated customer payment history.

    Microsoft Dynamics 365 Business Central, Late Payment Prediction extension

    Microsoft Learn (Business Central documentation)
  • Accounts Receivable

    Rebuild Payment Chase Schedules with the Chaser AI Assistant

    Chaser's help center explains that its AI assistant, powered by Google Gemini Flash, is a chat tool that can pull receivables data, such as top overdue invoices or highest-status debtors, into tables. It can also create new reminder templates, build chase schedules and assign customers to them, operating on a human-in-the-loop basis where users review and approve templates, schedules and contact moves before anything goes live.

    Chaser, Chaser AI assistant +1

    Chaser Help Center
  • Accounts Receivable

    Tailor Payment Follow-Ups to Each Customer with Xero JAX

    Xero's July 2026 media release from Xerocon London announces new features for JAX, its agentic AI platform. Under Payment Follow Ups, JAX will analyze a customer's payment history and execute tailored collection plans, such as consolidating invoices, timing nudges, or switching to SMS for non-responsive customers. The release also describes Bill Protection, which will inspect bills before payment for unusual amounts, altered bank details or unfamiliar suppliers.

    Xero, JAX (Just Ask Xero)

    Xero Media Release

Frequently asked questions

Can an AI assistant write payment reminder emails?
Yes, as drafts. Give it the invoice number, amount, due date and the tone you want, and leave out bank details. The Firm argues assistants are most useful for writing work such as client emails[4].
Is it safe to upload an aged receivables report?
Remove customer names and contact details first unless your plan and policies allow them. The Journal of Accountancy advises never entering client or confidential information into ChatGPT[5], and the same caution applies to Claude, Grok and Gemini.
Which receivables workflows need a dedicated tool?
Late payment prediction, automatic cash application and agent-drafted replies run inside the products that offer them, such as Business Central, Invoiced and Upflow. A chase list and reminder drafts only need an exported report and a general assistant.

Sources

  1. 1.Xero: Reconcile bank transactions
  2. 2.Xero Central: About Just Ask Xero (JAX)
  3. 3.OpenAI Academy: Responsible use of ChatGPT at work
  4. 4.The Firm: ChatGPT prompts for bookkeepers
  5. 5.Journal of Accountancy: 3 ways to use ChatGPT-4o with Excel (Jul 2025)

Sources were checked when this page was last updated. Archived copies are cited where the original page could not be reached from our checker. Features and settings change, so confirm details with each vendor.

The Small Business Bookkeeping Spreadsheet Bundle on our sister store gives these receivables workflows a set of books to sit next to.