Acme Industrial
$35,000 past due
Call the AP contact — two emails unanswered
Contact customer
Due Today
AI-powered Invoice-to-Cash
Kovify AR monitors receivables, follows up with customers, manages disputes and cash application issues, follows your collection policies, and escalates only when human attention is needed.
AI handles repetitive AR work. Humans handle exceptions and decisions.
Invoice #10428 becomes overdue
Acme Industrial · $35,000 · 42 days
Invoice #10428
Step 1 of 9 · Open invoice → cash
Next AI action
Kovify detects it and prioritizes the account
scheduled automatically
End-to-end workflow
Kovify syncs with your ERP or accounting system, prioritizes what matters, works the accounts, and pushes resolution back into your books.
ERP / accounting system
Invoices, payments, credits sync in
Open invoices
Balances and aging normalized
Kovify AI prioritization
Exposure, aging, history, promises
Customer follow-up
Sent per your collection policy
Unified conversations
Outlook or Gmail thread continues
Payment promise
Commitment date tracked
Dispute detection
Categorized and assigned
Cash application issue
Paid but still open, investigated
Human escalation if needed
Routed to the right owner
Resolution
Credit, correction or commitment
Payment
Applied against the invoice
ERP synchronization
Books and activity log updated
AI collections
Kovify reviews open invoices and aging, analyzes previous communication, decides the next action, sends follow-up inside the existing email thread, tracks commitments and escalates when a human is needed.
Review open invoices
Understand aging
Prioritize customers
Analyze previous communication
Determine the next action
Send follow-up communication
Continue existing email threads
Track payment commitments
Schedule future follow-ups
Escalate accounts
Update workflows
Account evaluation
Northline Manufacturing
Selected next action
Escalate to the AR Manager and hold automated follow-up until the dispute is resolved
Reason: an active short-shipment dispute blocks $4,200 of the balance, and the prior promise to pay was missed. Policy requires human review before a Day 90 escalation.
Smart worklist
Collections, disputes and cash application exceptions arrive prioritized, with the AI recommendation, next action and due date already in place.
Acme Industrial
$35,000 past due
Call the AP contact — two emails unanswered
Contact customer
Due Today
Northline Manufacturing
$4,200 disputed
Confirm credit approval with Sales before replying
Internal follow-up
Due In 2 days
Delta Foods Group
$18,740 unapplied
Customer paid, remittance missing — request detail
Request remittance
Due In 3 days
Harborview Logistics
$9,150 past due
Promise to pay confirmed — monitor commitment date
Monitor
Due Sep 18
Items are re-prioritized continuously as balances, replies and commitments change.
Unified conversations
Connect Microsoft Outlook / Microsoft 365 or Gmail / Google Workspace. AI and your collectors work inside the same thread — no disconnected AI messages.
Microsoft Outlook / 365
Delegated mailbox access with Mail.ReadWrite and Mail.Send, or shared-mailbox scopes.
Gmail / Google Workspace
Gmail API access using the gmail.modify scope to read, label and send in-thread.
No disconnected AI messages. One continuous customer conversation.
RE: Invoice #10428 — Acme Industrial
Outlook threadKovify AI · AR mailbox
Mon 9:06 AMHello Susan — invoice #10428 for $35,000 is now 42 days past due. Could you confirm the scheduled payment date? Copy of the invoice attached.
Susan Whitfield · Acme Industrial
Mon 11:20 AMWe can't pay the full amount. PO 8841 was short-shipped by 3 pallets, so $4,200 is in dispute.
Kovify AI · AR mailbox
Mon 11:21 AMThank you — I've logged a short-shipment dispute for $4,200 and routed it to our team. Can you release the undisputed $30,800 this week?
Daniel Ruiz · AR Manager
Mon 2:40 PMSusan, credit for the 3 pallets is approved and will post today. Confirming the $30,800 for Friday.
Dispute management
Kovify identifies a dispute in the customer's reply, categorizes it, assigns an owner, sets internal follow-up dates and tracks it to resolution.
Dispute detected
Identified inside the customer reply
Categorized
Short shipment · pricing · quality · billing
Assigned
Owner set by routing rules
Internal follow-up
Due dates and escalation path
Customer communication
Update sent in the same thread
Resolution
Credit, correction or rejection, fully logged
Identification
Detected from customer replies and account context.
Routing
Assigned to the internal owner responsible for that category.
Due dates
Internal follow-up dates and escalation if it stalls.
Resolution tracking
Every dispute closes with a documented outcome.
Cash applications
Missing remittance, unknown credits, unapplied cash and payment mismatches get investigated as structured work items instead of email archaeology.
Customer already paid
Invoice still open on the sub-ledger
Match payment reference and close
Missing remittance
Lump-sum wire with no invoice detail
Request remittance in-thread
Unknown credit
Credit memo not tied to an invoice
Identify source and apply
Unapplied cash
Cash on account, invoices still aging
Apply against oldest eligible
Payment mismatch
Short pay vs. invoice total
Investigate deduction or dispute
Cash application item
Delta Foods Group · $18,740
Payment located in bank activity
Remittance requested from customer
Detail received and matched to 5 invoices
AI training
Feed in your collection policies, escalation rules, dispute procedures, cash application rules, internal contacts and customer-specific requirements. Kovify converts them into decision logic.
Collection policies
Escalation rules
Dispute procedures
Cash application rules
Internal contacts
Customer-specific requirements
Supporting documentation
Kovify AI
When to follow up, and with whom
Which accounts require approval before escalation
How each dispute category is routed
How cash application exceptions are investigated
What tone and content your company sends
Which customers need special handling
Collection process
You define the process. Kovify executes it per customer, per segment, per aging bucket.
Day 1
Reminder
Courtesy notice on due date
Day 15
Follow-up
Second contact, AP and buyer copied
Day 30
Escalation
Manager review, tone changes
Day 45
Credit review
Credit team evaluates exposure
Day 60
Sales notification
Account owner brought in
Day 75
Credit hold review
Hold decision documented
This is one example. Every company defines its own cadence, thresholds and approvals — Kovify follows yours.
AI transparency
See what the AI did, why it did it, what happens next, when it happens, and which items require a human.
What the AI did
Why it made that decision
What it will do next
When the next action happens
Which items need a human
AI activity log · today
Reviewed new ERP balance
Sync completed for 1,284 open invoices
Detected invoice still outstanding
#10428 · Acme Industrial · $35,000
Analyzed last customer response
Previous thread reviewed for context
Scheduled follow-up
Policy: Day 30 escalation wording
Customer responded
Reply captured in the unified conversation
Detected potential dispute
Short shipment · $4,200
Escalated to AR Manager
Automated follow-up paused pending review
Reporting
Aging, past due, customer exposure, collection and collector activity, AI actions, promise-to-pay tracking, disputes, cash application issues and follow-up performance.
Aging distribution (illustrative view)
Charts in Kovify are generated from your own ERP data. This is a layout example, not a performance claim.
Integrations
Email and accounting connections drive the whole workflow. Availability is labeled honestly — connected today, or on the roadmap.
Kovify AR
Microsoft Outlook
Microsoft 365
Gmail
Google Workspace
QuickBooks Online
Accounting / ERP
NetSuite
Accounting / ERP
Xero
Accounting / ERP
Sage (Intacct / 100)
Accounting / ERP
Zoho Books
Accounting / ERP
SAP
Accounting / ERP
Google Sheets / Data Link
Data
Business outcome
Kovify removes repetitive follow-up work and makes exceptions visible early. These are the operational areas it affects — we don't publish invented percentages.
Advanced capability
Organizations that manage several companies or legal entities can switch between environments while keeping customers, receivables, policies, workflows, teams and reporting fully separate. Multi-company is available as an advanced capability or add-on — not every business needs it.
Customers kept separate
Receivables kept separate
Policies kept separate
Workflows kept separate
Teams kept separate
Reporting kept separate
Pricing
Every plan includes the complete Invoice-to-Cash automation core.
$125/month
Billed monthly, cancel anytime
Complete Invoice-to-Cash automation for small and growing businesses. Kovify One is the full core product — not a limited tier.
Owners, accountants, finance managers and controllers who supervise AR while Kovify does the repetitive work.
$250/month
Billed monthly, cancel anytime
For growing and mid-market Accounts Receivable teams.
Up to 15 users included. Additional users $15/user/month.
Custom
Scoped to your entities, ERP and volume
For large organizations, multiple AR departments, shared services, multiple entities and complex ERP environments.
Enterprise finance operations with custom requirements.
Multi-company environments are available as an advanced capability. Prices are in USD and exclude applicable taxes.
Trust & security
Kovify requests only the access it needs to do AR work, and every mailbox connection is authorized by your team through the provider's own consent screen.
Secure OAuth connections
Mailboxes connect through Microsoft and Google consent screens. Kovify never asks for email passwords.
Least-privilege scopes
Microsoft Graph Mail.ReadWrite / Mail.Send (or the shared-mailbox equivalents) and the Gmail gmail.modify scope — nothing broader.
Encrypted mailbox tokens
Access and refresh tokens are stored encrypted and can be revoked by disconnecting the mailbox.
Authenticated access
Every user signs in to the application; AR data is never exposed on the public website.
Company data separation
Records are scoped to your company environment, including multi-company setups.
Role-based access
Roles and permissions control what collectors, managers and admins can see and do.
Kovify does not claim SOC 2, ISO 27001 or HIPAA compliance. We describe only the controls that exist in the product today.
FAQ
Accounts Receivable automation replaces the manual, repetitive parts of collecting B2B invoices — pulling open balances, deciding who to contact, sending follow-ups, tracking replies and commitments, and recording activity — with software that runs the process continuously. Your team keeps the judgment calls.
Start with Kovify One, or talk to us about a team or enterprise rollout.