AI collections copilot for QuickBooks & Xero — built for bookkeeping & accounting firms

Every reminder
waits for your yes.

RecoupAR reads your QuickBooks or Xero ledger, drafts the next collection message in your firm's voice, and shows exactly why it's suggesting it. You approve, edit, or snooze. Nothing sends itself.

APPROVAL QUEUE · 1 of 6AWAITING REVIEW
Harlan & Voss LLP$4,820.00
Invoice #10432 · 47 days overdue · illustrative example
Hi Marcus — just a note that invoice #10432 for $4,820 is now seven weeks past due. Let us know if there's anything holding it up, or if a payment plan would help.
Connects read-only toQuickBooks OnlineXero
AES-256 ENCRYPTED · TLS IN TRANSIT · CAN'T WRITE TO YOUR LEDGER
How it actually behaves

The judgment calls happen before the message goes out — not after a client complains.

SMART MARGIN PROTECTION

Large invoices default to ACH. Risk drops, cards pause.

Above your threshold, RecoupAR asks for bank transfer instead of card — and if a client's risk grade slips, their card privileges suspend automatically, before it costs you a swipe fee.

Illustrative example
Denholm ConstructionRISK GRADE C
Payment methodACH only
Card privilegesPaused
Illustrative example
Offer drafted for Ferris & Ko — balance $1,830.00
Jul 20$610.00
Aug 20$610.00
Sep 20$610.00
AI INSTALLMENT PLANS

It offers a payment plan before the client has to ask.

When a buyer looks cash-constrained, RecoupAR calculates a Stripe installment offer straight from how overdue they already are, and drafts it for your approval.

DISPUTE ROUTING & PAUSING

A complaint stops the robot, not the other way around.

The moment a client flags a billing disagreement, outreach freezes and routes to a person. No automated reminder ever argues with someone who has a legitimate objection.

Illustrative example — hover to see the pause
“This invoice looks wrong — we agreed on a different rate.”
Outreach statusPAUSED · ROUTED TO REVIEW
All scheduled reminders for this invoice are frozen — a person reviews it next, not another message.
Illustrative example
“I can pay this Friday” — logged from client reply
Promise date: Fri, Jul 17Resumes in 4 days
PROMISE-TO-PAY SNOOZE

Someone says “Friday” — RecoupAR goes quiet until Friday.

A committed pay date silences all automation until then, and picks back up gracefully if the balance is still open — no awkward reminder landing the day after they promised.

BRAND VOICE & AVOID-WORDS

It never sounds like a collections agency, because you told it not to.

Set a banned-word list and a tone for your firm. Every draft is checked against it before a human ever sees it. Try it below — this is the real, working configurator.

Interactive Tone SimulatorTry it live
Illustrative example
Days overdue · 47 (threshold 30)
Historical delay index · 1.8×
Risk grade · B
Suggested action · ACH reminder, firm tone
EXPLAINABLE AI

Every suggestion shows its math before anyone approves it.

Days overdue, historical delay index, threshold logic — the reasoning is right there, not buried behind a black box you have to trust blindly.

AGING REPORT HYGIENE

Auto-resolve small discrepancies.

Wire fees and bank deductions shouldn't clutter your aging report. When a payment lands within a small, configurable tolerance of the invoice total (defaulting to $5), RecoupAR automatically closes it out as written off — with the reason and amount logged — instead of leaving a $2.75 balance sitting open. Every write-off is recorded in the audit trail, and the check runs immediately before any reminder goes out, so a customer is never emailed over a rounding difference.

Real product screenshot
RecoupAR dashboard stat card showing Auto Written-Off total of $2.75
The $2.75 figure is example data — your threshold and totals will differ.
CLIENT COMMUNICATION

One statement, not a flood of emails.

A customer with several overdue invoices doesn't need five separate reminders — they need one clear picture. RecoupAR automatically groups a customer's eligible open invoices into a single AI-drafted Statement of Account with one "Pay All" checkout link, instead of sending an email per invoice. Your review queue shows it as one item — a "Statement · 3 invoices" card with the itemized breakdown — so approving it is still one click.

Real product screenshot — Review Queue
RecoupAR review queue showing a consolidated Statement of Account card grouping 3 invoices for one customer
Customer name, invoice numbers, and dollar amounts are example data.
Interactive calculator

See how much cash is trapped in your ledger.

Adjust the variables to estimate outstanding invoice exposure and net recovery gains.

Ledger Parameters

Match settings to monthly accounting data.

Monthly Invoice Volume$125,000
$10k$500k$1M
Average Days Overdue (DSO)45 Days
5 Days45 Days90 Days
Trapped Capital$187,500

Outstanding funds locked in unpaid balances.

30-Day Acceleration Scenario$65,625 – $121,875

Accelerated cash under 35%–65% target recovery curves.

Card Fees Bypassed$1,500

Savings from enforced bank transfers (ACH).

Admin Time Reclaimed16 Hrs/mo

Manual invoicing chase hours eliminated.

Secure Ledger ScanConnect your ledger in read-only mode to find your actual trapped capital numbers, zero obligation.
Connect Your Ledger
Read-only, by design

RecoupAR can see your ledger. It cannot change it.

That distinction is the whole security model. No invoice gets posted, edited, or deleted by an algorithm — ever.

Read our full security documentation →
Read-Only OAuth Boundaries
We request minimal OAuth permissions (read:invoices). RecoupAR has no bank login access, no fund-movement capability, and no password access.
AES-256 Encryption at Rest
All customer records, transaction amounts, and sync logs are encrypted at rest using AES-256, and in transit using TLS 1.2+.
Zero AI Model Training
Your invoice ledger, customer details, and contact lists are never sent to public pools or used to train third-party AI models.
1-Click Revocation & Purge
Disconnect RecoupAR instantly from your QuickBooks or Xero settings, any time — access ends immediately.
Built for how collections actually differ

Six kinds of firms, six different playbooks.

Not a bet on one vertical while we wait and see — we built and maintain a distinct playbook for each of these six, deliberately, because collections logic that works for a law firm's trust account breaks for a construction firm's retainage schedule.

Professional Services
Retainer language and milestone billing, tuned so reminders match how the engagement was actually scoped.
Construction & Trade
Lien deadlines and retainage schedules factored into timing, so nothing sends after a legal window closes.
MSP & IT
Recurring contract renewals and usage overages handled distinctly from one-off project invoices.
Law & Advisory
Trust account rules respected — reminders never blur retainer funds with billed time.
Healthcare Practices
Patient-facing tone by default: no collections language toward people, not companies.
Wholesale & Logistics
PO-based terms and volume accounts handled with the cadence bulk buyers actually expect.
Pricing

Priced by how much of the work you hand over.

Recover
$79
per month · billed annually
1 QuickBooks or Xero connection
AI-drafted reminders + approval queue
Promise-to-pay snooze
Email support
Start with Recover
MOST POPULAR
Optimize
$249
per month · billed annually
Up to $250k active managed AR
Everything in Recover
Smart Margin Protection
AI installment plans
Dispute routing & pausing
Start with Optimize
Copilot
$599
per month · billed annually
Up to $1M active managed AR
Everything in Optimize
Brand voice & avoid-words failsafe
Priority support
Start with Copilot
Concierge
Custom
for multi-entity firms
Dedicated onboarding
Custom playbooks per client entity
A named account contact
Talk to us
Questions we get before signing up

FAQ

No. Every drafted message sits in the approval queue until someone clicks Approve — unless your firm explicitly turns on auto-send for a specific segment. Nothing goes out by default.

Who's building it
DM
Dave MendlenLinkedIn →
Co-founder

Grew Microsoft's developer tools business past $1B, then led PwC's Microsoft Generative AI & Copilot practice. Wrote CEO speeches for Bill Gates and Steve Ballmer.

JC
Jay ClemLinkedIn →
Co-founder

Spent 16 years at Microsoft, building its AI Solution Acceleration org from scratch and turning enterprise AI building blocks into production systems for Fortune 500 leadership.

We're not chasing venture-scale growth — we're building a tool disciplined enough that a controller would recommend it to another controller.