AI-powered Invoice-to-Cash

Automate Invoice-to-Cash with AI

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.

Kovify AR · Live activity
Automating

Invoice #10428 becomes overdue

Acme Industrial · $35,000 · 42 days

Invoice #10428

CustomerAcme Industrial
Balance$35,000.00
Aging bucket31–60 days
OwnerAI collector

Step 1 of 9 · Open invoice → cash

Next AI action

Kovify detects it and prioritizes the account

scheduled automatically

End-to-end workflow

Your AR process, executed continuously

Kovify syncs with your ERP or accounting system, prioritizes what matters, works the accounts, and pushes resolution back into your books.

  1. ERP / accounting system

    Invoices, payments, credits sync in

  2. Open invoices

    Balances and aging normalized

  3. Kovify AI prioritization

    Exposure, aging, history, promises

  4. Customer follow-up

    Sent per your collection policy

  5. Unified conversations

    Outlook or Gmail thread continues

  6. Payment promise

    Commitment date tracked

  7. Dispute detection

    Categorized and assigned

  8. Cash application issue

    Paid but still open, investigated

  9. Human escalation if needed

    Routed to the right owner

  10. Resolution

    Credit, correction or commitment

  11. Payment

    Applied against the invoice

  12. ERP synchronization

    Books and activity log updated

AI collections

An AI collector that reads context before it acts

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

AI reviewing
Past due balance$35,000
Days overdue72 days
Last customer reply6 days ago
Active disputeShort shipment · $4,200
Previous promise to payMissed — Aug 14

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

Only the work that needs a human

Collections, disputes and cash application exceptions arrive prioritized, with the AI recommendation, next action and due date already in place.

CollectionHigh priority

Acme Industrial

$35,000 past due

Call the AP contact — two emails unanswered

Contact customer

Due Today

DisputeHigh priority

Northline Manufacturing

$4,200 disputed

Confirm credit approval with Sales before replying

Internal follow-up

Due In 2 days

Cash AppsMedium priority

Delta Foods Group

$18,740 unapplied

Customer paid, remittance missing — request detail

Request remittance

Due In 3 days

CollectionMedium priority

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

One continuous customer conversation

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 thread

Kovify AI · AR mailbox

Mon 9:06 AM

Hello 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 AM

We 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 AM

Thank 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 PM

Susan, credit for the 3 pallets is approved and will post today. Confirming the $30,800 for Friday.

Dispute management

Disputes detected, routed and resolved

Kovify identifies a dispute in the customer's reply, categorizes it, assigns an owner, sets internal follow-up dates and tracks it to resolution.

01

Dispute detected

Identified inside the customer reply

02

Categorized

Short shipment · pricing · quality · billing

03

Assigned

Owner set by routing rules

04

Internal follow-up

Due dates and escalation path

05

Customer communication

Update sent in the same thread

06

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

Paid, but still open on your books

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

PaymentACH · Sep 2 · ref 55-2201
ClaimCustomer says invoices #10390–#10394 are paid
BooksInvoices still open, cash unapplied

Payment located in bank activity

Remittance requested from customer

Detail received and matched to 5 invoices

Resolved · $18,740 applied, aging corrected, ERP updated

AI training

Kovify learns how your company collects

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

Your strategy, not a generic cadence

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

Every AI action, explained

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

  1. 9:02 AM

    Reviewed new ERP balance

    Sync completed for 1,284 open invoices

  2. 9:04 AM

    Detected invoice still outstanding

    #10428 · Acme Industrial · $35,000

  3. 9:06 AM

    Analyzed last customer response

    Previous thread reviewed for context

  4. 9:07 AM

    Scheduled follow-up

    Policy: Day 30 escalation wording

  5. 11:20 AM

    Customer responded

    Reply captured in the unified conversation

  6. 11:21 AM

    Detected potential dispute

    Short shipment · $4,200

  7. 11:22 AM

    Escalated to AR Manager

    Automated follow-up paused pending review

Reporting

Management visibility across AR

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)

Current
1–30
31–60
61–90
90+

Charts in Kovify are generated from your own ERP data. This is a layout example, not a performance claim.

Collection activity
Collector activity
AI actions
Promise-to-pay tracking
Disputes
Cash application issues
Customer exposure
Follow-up performance

Integrations

Connect Kovify to the systems your finance team already uses

Email and accounting connections drive the whole workflow. Availability is labeled honestly — connected today, or on the roadmap.

Kovify AR

Microsoft Outlook

Email

Available

Microsoft 365

Email

Available

Gmail

Email

Available

Google Workspace

Email

Available

QuickBooks Online

Accounting / ERP

Available

NetSuite

Accounting / ERP

Available

Xero

Accounting / ERP

Available

Sage (Intacct / 100)

Accounting / ERP

Available

Zoho Books

Accounting / ERP

Planned

SAP

Accounting / ERP

Planned · Enterprise

Google Sheets / Data Link

Data

Available

Business outcome

Where the value shows up

Kovify removes repetitive follow-up work and makes exceptions visible early. These are the operational areas it affects — we don't publish invented percentages.

Less manual follow-up
More collector capacity
Faster customer responses
Fewer missed accounts
Better prioritization
Faster dispute resolution
Faster cash application investigation
More consistent AR processes
Better management visibility
Lower administrative workload
Potential improvement in DSO
Reduced past-due exposure

Advanced capability

Multi-company environments

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

Straightforward plans for real AR teams

Every plan includes the complete Invoice-to-Cash automation core.

KOVIFY ONE

$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.

  • AI collections across your full open AR
  • Automated follow-up on your collection policy
  • Unified Outlook or Gmail conversations
  • Dispute management
  • Cash application issue investigation
  • Smart worklist and AI action log
  • AI training on your policies and documents
  • Reporting and aging visibility
  • Accounting / ERP synchronization
Most Popular

KOVIFY TEAMS

$250/month

Billed monthly, cancel anytime

For growing and mid-market Accounts Receivable teams.

Up to 15 users included. Additional users $15/user/month.

  • Everything in Kovify One
  • Multi-user access with roles and permissions
  • Admin controls and collector accounts
  • Departments and team workflows
  • Shared worklists and assignment
  • Team reports and collector analytics
  • Advanced AR operations
  • AI + human collaboration in every thread

KOVIFY ENTERPRISE

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.

  • Custom onboarding and implementation
  • Custom workflows and reporting
  • Multi-company and multiple entities
  • Advanced permissions
  • SAP and NetSuite environments
  • Custom integrations
  • Larger AI capacity
  • Dedicated implementation and custom support
  • Custom security requirements

Multi-company environments are available as an advanced capability. Prices are in USD and exclude applicable taxes.

Trust & security

Built on scoped access and explicit permission

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

Questions finance teams ask

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.

Let Kovify run AR. Step in only when you're needed.

Start with Kovify One, or talk to us about a team or enterprise rollout.