Stop chasing invoices. Start recovering cash.
Replace manual collections with AI that follows up, negotiates payment plans, and recovers overdue invoices — automatically. No more spreadsheets, no more awkward calls.
AI Collections Agent in Action
Watch a real payment negotiation unfold
This is how Chiron Pay handles an overdue invoice — from first contact to confirmed payment plan, all via WhatsApp.
Invoice Details
AI Actions Taken
- Detected overdue status at 7 days
- Sent WhatsApp at day 12 (escalation)
- Offered 2 payment plan options
- Adjusted dates per customer request
- Created payment plan + sent links
Outcome
Payment plan confirmed in 26 minutes. No human intervention required.
Sarah Mitchell
Apex Digital • WhatsApp Business
Hi Sarah, this is Chiron from TechFlow Solutions. I noticed invoice #INV-2847 for RM19,000 is 12 days past due. I wanted to check in and see if there's anything I can help with?
Hi, yes I saw that. We're waiting on a payment from one of our clients. Can we push this back a bit?
Completely understand — that happens. I can offer a couple of options: 1. Push the full payment to April 28th (14 days) 2. Split into 2 payments: RM9,500 now, RM9,500 on May 5th Which works better for your cash flow?
The split payment would really help. Can we do the first one on the 25th instead?
Why Chiron Pay
Manual collections vs Chiron Pay
Manual Process
With Chiron Pay
Manually emailing overdue customers one by one
AI sends personalized WhatsApp and email within 24 hours
Spreadsheets to track who responded and who didn't
Automatic follow-ups with smart escalation triggers
Awkward phone calls to negotiate payment plans
AI negotiates flexible terms and confirms in writing
Waiting 60+ days before escalating to collections
Real-time risk scoring and proactive intervention
Finance teams spend 15+ hours per week on manual AR tasks. Chiron Pay reduces that to minutes.
By Use Case
Covers the full AR workflow — automatically
Automated Invoice Follow-ups
AI sends personalized reminders via WhatsApp and email within 24 hours of an invoice becoming overdue.
- First contact within 24h of due date
- Smart escalation (email → WhatsApp → call)
- Personalized based on payment history
Payment Plan Negotiation
When customers can't pay the full amount, AI offers and confirms flexible payment plans in real-time.
- Instant 2-4 payment plan options
- Automatic agreement + payment links
- Reminders before each installment
High-Risk Account Recovery
AI identifies at-risk accounts early and applies more persistent follow-up with escalation paths.
- Risk scoring based on behavior signals
- Persistent but professional outreach
- Human handoff for flagged accounts
By Industry
Built for how your industry actually operates
SaaS & Subscription
Recover 23% more failed payments without losing customers
The Challenge
Failed charges and involuntary churn silently drain MRR. Manual dunning can't scale, and aggressive follow-ups hurt retention.
How Chiron Pay Helps
Chiron Pay sends friendly, well-timed payment reminders via email and WhatsApp. Customers update cards or set up payment plans — automatically.
Logistics & B2B Services
Cut DSO by 12 days with zero additional headcount
The Challenge
Net-60 terms, partial payments, and hundreds of invoices make AR a full-time job. Small teams can't keep up.
How Chiron Pay Helps
AI tracks every invoice, follows up at the right time, negotiates payment terms when needed, and escalates high-risk accounts to your team.
SMEs & Professional Services
Stop chasing invoices and focus on billable work
The Challenge
No dedicated AR team means overdue invoices pile up while consultants and founders chase payments instead of revenue.
How Chiron Pay Helps
Chiron Pay acts as your AR department — sending reminders, handling objections, and closing payment plans 24/7.
By Company Size
Right-sized solutions for every stage
Startups & SMEs
Grow without growing AR headcount
- Quick 5-minute setup
- No complex integrations required
- Pay-as-you-recover pricing
- Scale from 10 to 10,000 invoices
Mid-Market
Optimize AR without adding complexity
- Advanced workflow customization
- Team collaboration features
- Custom escalation rules
- Detailed analytics & reporting
Enterprise
Enterprise-grade AR automation
- Custom AI model training
- SSO & advanced security
- Dedicated success manager
- SLA guarantees & compliance
How It Works
From overdue invoice to recovered payment
Sync your invoices
Connect Xero, QuickBooks or NetSuite — we pull overdue invoices automatically
AI reaches out within 24h
Personalized WhatsApp or email sent to each customer with invoice details
Natural conversations happen
Customers reply, ask questions, request delays — AI handles it all
Payments get recovered
Payment plans confirmed, links sent, reminders scheduled — cash flows in
Real Results
Numbers from teams using Chiron Pay
RM376K
Recovered in 30 days
Mid-market average
across 50+ accounts
127
Accounts handled
Per month, automatically
vs. 30 handled manually
4.2 days
Faster payment
vs. manual process
reduces DSO significantly
38%
More recovered
Within 60-day window
vs. email-only approach
Integrations
Connects to your existing stack
Chiron Pay syncs with your accounting software and payment processors. Set up takes less than 5 minutes.
Xero
Auto-sync invoices
QuickBooks
Real-time AR data
Stripe
Payment processing
NetSuite
Enterprise ERP sync
Customer messaging
Sage
Accounting sync
"We went from spending 20 hours a week on collections to basically zero. Chiron Pay handles everything — and customers actually respond better to the AI than they did to our manual emails."
James Mitchell
CFO, ScaleOps (B2B SaaS)
RM376K
Recovered across 127 accounts with zero manual intervention
127
Accounts contacted
89%
Response rate
4.2d
Avg. time to pay
Recover overdue cash without chasing anyone
Your AI collections agent starts working in 5 minutes. No more spreadsheets, no awkward calls, no manual follow-ups. Just cash recovered.
One fixed monthly fee. 0% commission. No hidden charges.