AI accounts receivable automation
AI that chases your invoices like a careful professional — not a chatbot
JMJ puts AI exactly where it earns its keep in receivables: reading every customer reply, pausing disputes before damage is done, scoring and who pays versus who stalls. What your customers receive stays professionally written and on-brand — every time.
From $179/mo · unlimited invoices · AI never writes debtor emails — templates only
Where the AI actually works
Six jobs the AI does all day, every day
None of this is a demo. These are the production systems running on every JMJ account today.
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Reads every customer reply
Every response to a follow-up is read and classified — payment promised, dispute, question, unsubscribe — with a confidence score. Routine replies are handled; anything ambiguous or sensitive is routed to you with full context. Nothing important sits unread in an inbox.
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Pauses the moment something needs a human
Disputes, legal language, hardship, anything the classifier isn’t sure about — the cadence stops on that invoice instantly and a decision card lands in your queue. The most valuable thing an AI can know is when it isn’t qualified to act.
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Scores payment behavior
Every invoice and customer carries a payment-behavior score built from real history. Reliable payers are automatically flagged and handled gently; chronic slow-payers walk the full ladder. Judgment applied per-customer, at scale, without you maintaining a spreadsheet of grudges.
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Classifies who you’re billing
Business or consumer matters — different rules, different tone, different legal exposure. The platform classifies customer types so the right template set and compliance posture applies to every send, automatically.
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Leaves a trail for everything
Every classification, pause, escalation and send writes an audit-log entry. When you ask “why did this happen?”, there’s a timestamped answer — which is also exactly what makes a collections handoff or a dispute defensible.
The part that matters more
AI with guardrails, because this is your money and your name
Receivables is the one workflow where an AI going off-script costs you a customer — or a compliance problem. So the system is built on a simple split: deterministic rules and reviewed templates decide what goes out; AI works the judgment-heavy inbound side.
Templates, not improvisation
Customer-facing messages come from a professionally written template library. The AI never generates the email your customer reads.
Deterministic escalation
The 9-stage cadence advances on rules — days past due, replies, payments — never on a model’s whim. Predictable is the point.
Human on every meaningful decision
Below a high confidence bar, or anywhere the stakes are legal-grade, the system defaults to you. AI narrows the queue; it doesn’t replace the judgment.
Audited end to end
Every automated action is logged. There is no “the AI did something and we’re not sure why” failure mode — the record always exists.
The result is automation you can put your business’s name on: your customers experience a well-run billing operation, and you can answer for every message it ever sent.
FAQ
AI questions, answered plainly
What the AI does, what it’s not allowed to do, and what happens to your data.
Does the AI write the emails my customers receive?
No — and that’s deliberate. Every follow-up your customers receive comes from a library of professionally written templates. The AI reads and classifies what comes back and routes decisions. Generative AI never freelances a message to someone who owes you money.
What does the AI actually do, then?
It reads every reply and classifies intent — payment promised, dispute, question, request to stop — with a confidence score. High-confidence routine replies are handled; anything uncertain, legal-flavored or sensitive is paused and routed to a human. It also scores customer payment behavior so reliable payers get a lighter touch,
What happens when a customer disputes an invoice?
The AI recognizes the dispute and the cadence stops immediately — nothing further goes out on that invoice until a human decides. The dispute is surfaced to you with the full conversation history attached. An automated reminder landing mid-dispute is how relationships burn, so the system is built to make that impossible.
How is this different from an “AI agent” that does collections?
Most AI-agent pitches have the model improvise messages and actions. In receivables that’s a liability, not a feature — tone, compliance and timing carry real legal weight. JMJ inverts it: deterministic escalation logic and professionally written templates decide what goes out, and the AI works the judgment-heavy inbound side, always with a human on the meaningful decisions. Every action lands in an audit trail.
Is my data used to train AI models?
Your data is used to run your account — classification, scoring, routing. It is not sold, and our AI provider processes content under terms that restrict its use to providing the service. Isolation between customers is enforced at the database layer.
Pricing
One flat price. Unlimited invoices. No surprises.
No per-user fees, no per-invoice fees, no setup fee. See what each package includes and pick the one that fits.
Ready when you are
Put AI on your receivables — safely.
Set up in minutes, then let JMJ run the follow-ups from your own domain — so you can see what it’s like to get your time back. Flat monthly pricing, unlimited invoices, cancel anytime.
Unlimited invoices · cancel anytime · see plans & pricing