Lower DSO
with period-over-period tracking
Onivo · AR automation · Coming soon
AI Accounts Receivable Automation for Mid-Market Teams
Stop chasing payments. Start orchestrating them. Onivo AR replaces the reactive AR grind — spreadsheets, follow-up emails, guesswork on cash application — with rules, AI, and a shared workspace. Cut DSO, recover overdue faster, and give your team back the days lost to manual work. It runs beside Onivo AP — both sides of cash flow, one platform.
0–100
AI risk score per customer
Days back
from automated cash application
Collections Copilot
Today's worklist
Acme Corp · $48,200 · 34 days late
Next best action: call — 2 promises broken · risk 82
Cash applied automatically
$12,400 remittance matched to 3 invoices by AI
Dunning scheduled
Reminder #2 drafted and personalized — sends 9:00 AM
Dispute routed
Short-pay classified → Billing team, timeline opened
Promise to pay logged
Northwind committed to Fri via self-service portal
The problem we solve
Built for the middle — where AR actually breaks
Too heavy on one side
Enterprise suites like HighRadius and Billtrust are expensive, slow to configure, and built for teams with a dedicated admin and a 6-month rollout.
Too thin on the other
A ledger plus spreadsheets and email doesn't scale past a few hundred invoices a month — and every follow-up is manual.
The real work — matching messy remittances, deciding who to chase next, drafting the right dunning email, tracking disputes — is exactly the judgment work AI is now good at. Onivo AR is opinionated enough to deploy in days, flexible enough to run your policies, and AI-native at the points that matter.
What you get
One platform for the full receivables lifecycle
Intelligent cash application
Match payments to invoices automatically — rules first, then Claude for messy multi-invoice remittances. Configurable auto-apply threshold.
AI collections copilot
Prioritized worklist scored by overdue balance × days late, a 0–100 per-customer risk score, and "next best action" recommendations.
Configurable dunning
Design your escalation policy — offsets, channels, templates — in the UI. AI drafts personalized emails; the scheduler dispatches daily or on demand.
Dispute management
Customers open disputes from the portal; AI classifies category, priority, and routing team — with a full resolution timeline.
Customer self-service portal
Signed URL, no login needed. Customers view their account, download invoices, pay with Stripe, submit disputes, or commit to a payment date.
Invoicing that looks like yours
Custom Jinja2 templates with live PDF preview, email delivery and PDF download — branded logo, primary color, and support email.
Real analytics
DSO with period comparisons, a 30–90 day cash-flow forecast from actual payment behavior, and per-customer risk tiering. Not vanity metrics.
Integrations that just connect
Your accounting, billing, and payment systems — OAuth or API key, one-click sync, and a mock mode for testing before you go live.
Unified inbox
IMAP-ingested customer emails classified by intent — payment confirmation, dispute, question — and routed to the right customer record.
Cash application
What cash application automation actually involves
A payment landing in the bank is the start of a puzzle, not the end of one. The money arrives as one number; the remittance advice saying what it covers travels separately — a PDF on an email, a row in a portal, a memo line, or nothing at all.
The remittance rarely ties out
One payment covers eleven invoices; another, ten minus a deduction nobody has seen yet; a third quotes the customer's own invoice numbers, not yours. Simple matching stops at the first hard case.
Unapplied cash lies to everyone
Until a payment is applied, its invoices stay open. The aging shows as overdue money already in the bank, dunning fires at customers who paid, and collectors chase balances that don't exist.
Why the pile compounds
Easy matches clear in seconds; hard ones wait for whoever knows the account. Skip a busy week and new payments land on a ledger that is already wrong — a morning task becomes a month-end project.
Onivo AR applies rules first — exact amounts, invoice numbers in the memo — and hands messy multi-invoice remittances to AI, with an auto-apply threshold you set. Anything uncertain queues for a person, candidates already lined up.
Dunning
Dunning automation that doesn't burn the relationship
The person you're dunning is the customer your sales team spent months winning. Good dunning is sequence design: each touch has a day, a channel, and a tone — and a clear rule for when a human takes over.
The sequence
Early touches are service, not pressure: the invoice attached again, a payment link, a contact if something's wrong. Later touches get firmer and move up the org. Offsets, channels, and templates are your policy, set in the UI.
The tone
A form-letter reminder gets filed; a threatening one gets forwarded to your sales rep. Onivo AR drafts each email from the actual account, so reminder #3 doesn't pretend reminder #2 never happened.
The handoff
Some signals mean stop emailing: a promise to pay, an opened dispute, a risk score crossing your threshold. The sequence pauses and the account moves onto a person's worklist — the fifth automated email to an unhappy customer costs more than it collects.
Disputes & short-pays
Short-pays are questions, not late payments
A short-pay is a customer paying less than the invoice and telling you why — wrong price, damaged goods, a credit they expected. Often their AP team is simply running its own match against the purchase order and paying what their system says is owed. Until someone answers the underlying question, that balance is uncollectable — yet it sits in the aging dressed as a late payment.
Without a workspace
The dispute lives in a mailbox thread. Ownership is unclear — billing, shipping, or sales? — so it bounces. The invoice ages, the collector keeps calling about money the customer refuses on principle, and goodwill burns.
With a workspace
The dispute is classified by category and priority, routed to the team that owns the answer, and tracked on a timeline everyone can see. Dunning stops on the disputed portion and keeps running on the rest — one contested line no longer shields the whole balance.
Days sales outstanding
What actually reduces DSO
DSO gets treated as a collections score, but collections is only the last lever — most of the number is decided before the first reminder sends.
Accuracy upstream
A wrong PO number, a missing reference, or a mis-billed quantity is a dispute wearing a disguise — the invoice sits in your customer's AP queue until someone asks the question. The fastest-paid invoice is one their AP team can approve untouched — the mirror of what capture-grade accuracy does for your own payables.
The terms you grant
DSO can never fall below the terms you write. Every one-off exception — two extra weeks to close a quarter-end deal — quietly raises the floor: the exception becomes the expectation. That's why Onivo AR forecasts from actual payment behavior, not stated terms.
The cadence you keep
Follow-up works when it's boringly consistent — the same early, polite touch on every invoice — not a heroic end-of-month blitz. Cadence is exactly what software keeps and people, in a busy week, don't.
Both sides are one discipline: Onivo AP makes sure the invoices you receive are captured, matched, and approved cleanly; Onivo AR makes sure the invoices you send come back as cash. Same platform, same audit-minded design.
Who it's for
Mid-market B2B finance teams outgrowing their stack
- B2B companies processing 500–50,000 invoices a month
- Controllers and AR managers tired of Excel aging reports and manual follow-ups
- CFOs who want a real DSO number and a defensible cash-flow forecast
- Teams replacing a stitched-together ledger + email + spreadsheets stack
- Teams replacing an enterprise AR tool that costs $100k+/year and took 6 months to roll out
- Finance teams that want AI on the judgment work, not just dashboards
Built for enterprise trust
Security and compliance procurement can sign off on
Tenant isolation
Multi-tenant by design — Postgres row-level security plus app-layer isolation.
Access control
MFA (TOTP) for every user, role-based access, and audit-tracked team invitations.
Immutable audit log
Every security-relevant action — login, access denied, admin action, portal access, export.
Encryption & edge defense
Secrets in Google Secret Manager, TLS 1.2+ with HSTS, Cloud Armor with OWASP rules and per-IP rate bans.
GDPR-ready
Right-to-erasure workflow anonymizes PII while preserving financial records for statutory retention.
Disaster recovery
Weekly cross-region backups (Cloud SQL export + GCS mirror), tested and logged.
Procurement-ready documentation set: DPA, SLA, MSA, Privacy, Cookie, AUP, Subprocessors, Security Questionnaire responses, and a Vendor Risk Register.
Deploy your way
SaaS, self-hosted, or hybrid — your call
SaaS
Hosted on Google Cloud. Launch in a day, no infrastructure to run.
Self-hosted
Docker Compose bundle for teams that need Onivo AR inside their own VPC.
Hybrid
Bring your own Stripe, your own SMTP, and your own OAuth apps.
Early access
Be first on Onivo AR
- Join the waitlist and we'll reach out before general availability
- Founding customers help shape the roadmap and get onboarding support
- Preview pricing shared privately with waitlist members ahead of launch
FAQ
Accounts receivable automation, answered
What is accounts receivable (AR) automation?
AR automation replaces the manual receivables grind — chasing payments, matching remittances, drafting dunning emails — with software that applies cash, scores risk, and orchestrates collections automatically. Onivo AR runs it on an AI-native foundation.
When is Onivo AR available?
Onivo AR is launching soon. You can preview the full platform now and join the waitlist for early access — founding customers help shape the roadmap and get onboarding support.
What does Onivo AR do?
Intelligent cash application, an AI collections copilot with a prioritized worklist and 0–100 risk score, configurable dunning with AI-drafted emails, dispute management, and a customer self-service portal for payments and promises to pay.
How is Onivo AR different from enterprise AR tools?
Enterprise suites are expensive and take months to configure. Onivo AR is opinionated enough to deploy in days, flexible enough to run your policies, and puts AI on the judgment work — deciding who to chase and drafting the right message.
Does Onivo also do accounts payable?
Yes — Onivo AP automates the money going out (invoice capture, matching, approvals, ERP posting) and is available today. Run payables and receivables on one platform.
One platform, both sides of the ledger
Onivo AP automates accounts payable — the money going out: invoice capture, OCR extraction, PO/GR matching, approvals, and posting to your ERP. Onivo AP is available today; run payables and receivables on the same AI-native foundation.
Get early access
Join the Onivo AR waitlist
Tell us your current tools, monthly invoice volume, and where AR hurts most. We'll reach out before launch with early access and a target timeline.