AI Collections

B2B collections worked continuously, with full transparency

Kovify AR behaves like a disciplined collector: it reads the account, checks the aging, reviews prior communication, decides the next action under your policy, and hands over anything that requires human judgment.

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.

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.

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.

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

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

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.

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