Cash stuck in receivables.
Late payments, disputes, and short pays leave cash sitting on your balance sheet instead of in your bank.
Meet AVA, the AI agent for accounts receivable
Your new AR team never sleeps. And never misses.
Meet AVA, the AI agent that runs your entire AR function, from invoice to reconciled cash. Powered by payment intelligence from 22 million businesses, AVA knows how your customers pay everyone, not just you.
Live in minutes inside QuickBooks, NetSuite, Sage Intacct, and Dynamics 365.
AVA
Collections · Apex Supply
Holding the reminder to Apex Supply. Sending on the 16th.
Why, from Payment GraphHolding the reminder to Apex Supply until Tuesday. Network patterns put the chance of payment at 87% if we send then, vs. 41% today. Approve?
Invoice #4821$18,400 · 12 days past due
Likely to payJun 16 to Jun 18 via ACH
Trusted by thousands of businesses to send and pay invoicesPowered by a 22M business Payment Graph
Cash flow is the #1 problem in business. AR is where it breaks.
Revenue on paper does not pay payroll. Every day an invoice sits unpaid, your business is financing your customers.
An AR team buried in busywork.
Chasing, matching, and reconciling eats the hours your team should spend on decisions.
Guesswork collections.
Reminders go out on a schedule, not when a customer is actually ready and able to pay.
Hiring more people adds cost. Adding software adds clicks. You need an AR team that is both tireless and smarter.
Meet AVA. Your AR team and your strategic accounting partner.
AVA, your Autonomous Virtual Accountant, does the work of a full AR department: invoice presentment, collections, payment acceptance, dispute resolution, and bank reconciliation. Then she does what most AR teams never have time for. She forecasts cash, spots problems early, and brings you a plan to fix them.
Your AR team
- Sends and presents every invoice
- Writes every follow-up from scratch, no templates
- Accepts card, ACH, and eCheck payments
- Resolves disputes and short pays
- Reconciles to the bank and your ERP
Your strategic partner
- Predicts cash flow needs weeks ahead
- Flags at-risk accounts before they go late
- Builds custom reports and complex spreadsheets on request
- Proposes action plans for problems you have not seen yet
- Turns your goals into a plan she executes
She works 24/7, speaks in the voice and personality you choose, and explains every move she makes.
Powered by Payment Graph
Other AI AR tools learn from your history. AVA learns from 22 million businesses.
Most AI AR platforms train on your own past collections. If your process were working, you would not be looking for a new one. Learning from your own history just automates the habits that got you here.
Payment Graph is our payment intelligence network spanning 22M businesses, merchants, and financial institutions. It reveals payment intent: when a customer is likely to pay, how they prefer to pay, and what makes them pay faster. AVA sees how your customers pay everybody, not just you, and acts on it.
AI makes AR efficient. Intelligence makes it effective.
| Manual AR team | Other AI AR platforms | Chargezoom AVA | |
|---|---|---|---|
| Learns from | Gut feel | Your past collections only | 22M business Payment Graph |
| Sees how customers pay others | No | No | Yes |
| Outreach | Templates | Templates, auto-sent | Unique message for every customer, no templates |
| Disputes and short pays | Manual | Flagged for you | Resolved for you |
| Sets goals and builds plans | No | No | Yes, with a live accountability dashboard |
| Explains every action | Sometimes | Rarely | Always, with context |
| Result | Slow | Faster | Faster and more cash collected |
Don't delegate tasks. Tell AVA the outcome.
Tell AVA what you want in plain English. She builds the plan, you approve it, she executes it, and a custom dashboard tracks every step against your goal.
- 1Set the goal
- 2Approve AVA's plan
- 3Track it live
AVA also watches for what you have not asked about. When she sees a cash gap coming, she brings you a plan before it becomes a problem.
"Cut DSO from 52 days to 35 by end of Q2."
"Collect $400K of 60+ day receivables before our line of credit renews."
"Move our top 50 customers from check to ACH."
"Make sure we can cover payroll on the 15th without drawing on the line."
Got it. Here's a 6-week plan to bring DSO to 35. Review and approve?
AVA does the work. You keep the keys.
Choose how much AVA does on her own, per customer or across the board, and change it any time.
| Oversight mode | Autonomous mode | |
|---|---|---|
| Who it's for | CFOs and Controllers who want final say | Teams ready to hand off AR entirely |
| What AVA does | All the legwork, then queues every email and action for approval | Executes within the rules and limits you set |
| Your role | Review and approve in one click | Review results on your dashboard |
| Context | Every action comes with the why behind it | Every action is logged with the why behind it |
Every email, every action, every decision comes with context. You understand why AVA is doing what she is doing, so you can approve in seconds, not hours.
- PCI DSS compliant
- Full audit trail
- Role-based approvals
- Bank-level encryption
Everything from invoice to cash. And everything after.
Invoice presentment
Sends every invoice through the right channel at the right moment, with a branded pay link.
Intelligent collections
Writes each follow-up from scratch, timed by Payment Graph, in the voice you choose.
Payment acceptance
Card, ACH, and eCheck through a self-service customer portal and a PCI compliant card vault.
Dispute resolution
Works through short pays, disputes, and questions until they close, escalating only what needs you.
Bank reconciliation
Matches every payment to the invoice and posts it to your ERP. No manual cash application.
Forecasts and reports
Predicts cash flow, builds custom reports and complex spreadsheets, and flags risk early.
40%
AVA also enriches every transaction to qualify for the lowest interchange rates, cutting up to 40% of processing fees. Cash collected, and more of it kept.
Live in minutes, not weeks.
AVA works inside the accounting software and ERP you already use. No migration, no new system for your team to learn.
- 1
Connect your ERP.
QuickBooks, NetSuite, Sage Intacct, Dynamics 365, and more. One click, a few minutes.
- 2
AVA learns your AR.
She reads your open invoices and customers, then layers in Payment Graph intelligence.
- 3
Set your goals and your guardrails.
Pick oversight or autonomous mode, set her voice, and tell her what you want to achieve.
- 4
Get paid.
AVA collects, reconciles, and reports while you watch the cash land.
Works inside
Finance leaders who stopped chasing payments.
“Everything in one single platform! Setup was quick and easy!”
“Simple but powerful interface! Helps us to save hundreds of dollars each month in processing fees and administration costs.”
“Chargezoom is an amazing product. We use it to handle all of our online payments, across various platforms and products.”
Frequently asked questions
Will AVA email my customers without my approval?
Only if you choose autonomous mode. In oversight mode, nothing goes out until you approve it.
How is this different from other AI AR tools?
They learn from your past collections. AVA learns from how your customers pay 22M businesses through Payment Graph.
Do I have to switch accounting systems?
No. AVA works inside QuickBooks, NetSuite, Sage Intacct, Dynamics 365, and more.
Does she sound like a robot?
No templates. You set her language and personality, and every message is written for the customer receiving it.
How long does setup take?
Minutes. Connect your ERP and AVA starts learning immediately.
Hire the AR team that never sleeps.
AVA is ready to collect your cash today, with you in control of every step.