AI collections from $29, no demo required
Every unpaid invoice gets followed up by an agent that writes the message, picks the channel, holds back when it is unsure, and hands you only the cases that need a person. You can switch it on this afternoon, on a published price, without talking to anyone.
Start on the free plan. Collections unlock on Professional at $29 a month, or $24 a month billed annually. Cancel from Settings.
01 / AI Collections
What you are actually buying
Autonomous dunning: a service that watches every sent, unpaid invoice in your account and runs the follow-up you would otherwise do by hand. It decides when to write, what to say, which channel to use, and when to stop and ask you.
It is a feature of the plan, not a separate contract. There is no percentage of what you collect, no per-invoice fee, no minimum volume, and no onboarding project. The AR dashboard, the escalation queue and the voice assistant come with the same $29 plan.
- Published price, self-serve signup, no sales call and no pilot.
- AI writes each reminder; a confidence gate decides whether it goes out.
- Email and SMS, inside the quiet hours and reminder caps you set.
- Disputes, failed payments and final notices land in an escalation queue.
02 / Cadence
The ladder, exactly as it runs
A fixed cadence anchored on the due date. You can edit the steps, the channels and the caps; these are the defaults every account starts with.
Friendly nudge by email
One day past due, the assistant writes a short, warm reminder naming the invoice, the balance and the pay link. Most invoices stop here.
Firm reminder by email
A week later the tone steps up. The message references how long the balance has been outstanding and asks for a payment date.
Firm reminder by SMS
Two weeks past due the channel changes, because a text reaches a person an ignored email thread does not. Same balance, same pay link, fewer words.
Final notice, then escalation
A month past due the assistant sends a final notice and then hands the invoice to your escalation queue. It does not keep sending forever.
Before every send a classifier reads the case. If it reads as a dispute or a repeated payment failure, the invoice is escalated instead of chased. The reminder text is written by AI, and when the model is less confident than your threshold (0.7 by default) it falls back to the plain template rather than sending something it was unsure of. A failed charge or an opened dispute pauses the campaign on its own and resumes it when the issue clears.
03 / Capabilities
What comes with it
Everything below is on the same Professional plan. No add-on, no usage fee on the collections engine itself.
AI-written reminders
Each message is generated for that invoice, that client and that step of the ladder, so nothing reads like a mail merge. Tone moves from friendly to firm to final.
A confidence gate before each send
The case is classified before a message goes out. Disputes and repeated failures are escalated, and low-confidence copy falls back to the template. You set the threshold.
Quiet hours and caps
Set an hours window when nothing may be sent and a cap on total attempts. A step that falls inside the window is pushed to the next allowed hour rather than dropped.
Escalation queue
Disputes, repeated payment failures, invoices with no reachable contact and anything past the final notice are queued for you, with the reason the engine gave.
Disputes and failed payments
A chargeback, a dispute or a declined charge pauses that invoice automatically. A partial payment can stop the campaign instead of nagging about a balance already being paid down.
AR dashboard
DSO, collection rate, weighted days overdue, five aging buckets and a probability-weighted forecast, so the follow-up and the cash position sit on one screen.
04 / Plans
What is on which plan, plainly
Collections is a Professional feature. These are the rows that matter before you buy.
| Capability | Where it lives |
|---|---|
| Autonomous AI dunning | Professional ($29/mo) and up |
| Escalation queue and dispute handling | Professional and up |
| AR dashboard (DSO, aging, forecast) | Professional and up |
| Voice mode for the billing assistant | Professional and up |
| Certified and first-class physical mail | Professional and up, priced per piece |
| Free and Starter plans | No collections engine; you send reminders yourself |
| Purchase orders, e-invoicing, API and MCP | Business ($59/mo) and up |
Payment processing stays pass-through Stripe at 2.9% plus $0.30 with no markup from us, and SMS reminders use your plan allowance. Annual billing takes Professional to $24 a month.
05 / Comparison
Against the two products people ask about
Every competitor line below is marked as published, with the page it came from and the date it was read. Confirm on each vendor site before you buy: this is their description, not our measurement.
| Invoice My Clients | Monk (monk.com) | Gusto invoicing | |
|---|---|---|---|
| What it costs | $29 a month on Professional, $24 billed annually, published on the pricing page. Free plan to try the rest of the product first. | As published at https://monk.com/ (read 2026-08-29): "Pricing scales with business volume", with no percentage of collections. https://monk.com/pricing returned 404 that day, so there is no public price list. | As published at https://gusto.com/product/pricing (read 2026-08-29): payroll plans from $49 a month plus $6 per person, and invoicing is described at https://gusto.com/product/money/invoicing as included in Gusto Money at no extra cost, so the invoicing rides on a payroll subscription. |
| How you buy it | Sign up, pick the plan, turn collections on. No demo, no pilot, no order form. | As published at https://monk.com/: the buying path is "Request demo" and "Start with a pilot". | As published at https://gusto.com/product/money/invoicing: invoicing is a feature inside a Gusto payroll account, so you buy payroll first. |
| Who writes the reminders | AI writes each one for the invoice, the client and the step, with a confidence gate and a template fallback. | As published at https://monk.com/: an intelligent collections agent that "follows up with empathy", with custom rules for tone, escalation thresholds and exceptions. | As published at https://gusto.com/product/money/invoicing: reminders are sent on a schedule. AI-written reminder copy, a confidence gate and an escalation queue are not described on that page. |
| Where the invoice comes from | Created here from a signed proposal, tracked hours, a recurring schedule or a matched purchase order, then chased here. | As published in its Series A announcement (2026-04-21): Monk automates the contract-to-cash lifecycle from contracts and billing systems already in place. | As published at https://gusto.com/product/money/invoicing and https://melio.com/press-room/gusto (Melio powers Gusto Money, announced 2025-05-08): a branded invoice with a pay link, ACH and card. Proposals, e-signature, time to invoice and purchase orders are not described there. |
| Phone calls to your clients | None. Voice mode is for you, the biller: talk to the assistant to raise, send and chase invoices. | As published at https://www.prnewswire.com/news-releases/monk-launches-voice-collections-bringing-ai-phone-calls-and-callbacks-to-accounts-receivable-302833768.html (2026-07-23): outbound AI phone calls and callbacks to your customers. | Not described on the Gusto invoicing page read on 2026-08-29. |
| Best fit | Freelancers, agencies and small teams who raise their own invoices and want the chasing to stop being a person. | As published at https://monk.com/: B2B companies with an AR team and an existing billing or ERP system. | As published at https://gusto.com/product/pricing: US employers running payroll on Gusto who also want to send a few invoices. |
Monk here is the accounts receivable company at monk.com, not the unrelated vehicle-inspection company on a similar domain. Facts about both vendors were read on 2026-08-29 from the URLs given. On that date gusto.com answered our fetcher with HTTP 403, so the Gusto lines come from its published product and pricing pages as summarised in search results plus the Melio partnership announcement; treat them as the vendor description and verify before buying. Features and prices change. Invoice My Clients is not affiliated with either company, and both names are trademarks of their owners.
06 / Measurement
What gets measured, and where the numbers live
We publish no benchmark and no average, because your numbers are the only ones that matter. These five are computed from your own invoices and shown in your dashboard.
- Response rate
- The share of chased invoices where the client did something after a reminder: paid, part-paid, replied or opened a dispute. Silence counts as no response.
- Hands-off resolution
- The share of overdue invoices that reached paid without ever entering your escalation queue. This is the number that says whether the agent is actually working for you.
- Days to payment
- Days from the due date to the payment landing, per invoice and per client, so you can see which clients are slow rather than which months were.
- Amount recovered
- The value of invoices that were overdue and are now paid, in your currency, over the period you pick.
- Hours saved
- Reminders the agent sent for you, multiplied by a flat 6 minutes of admin per manual follow-up. That constant is our assumption, stated here so you can discount it or ignore it.
These are per-account figures in the app, not marketing claims. Nothing on this page tells you what a typical customer sees, because that number would be ours, not yours.
07 / Process
How to turn it on
Five steps, and the only one that costs money is the second.
Start free and send one invoice
Create the account, add a client or import your list, and send a real invoice with a pay link so there is something for the engine to work on.
Move to Professional
Collections, the AR dashboard and voice unlock at $29 a month, or $24 on annual billing. No contract and no onboarding fee.
Set the policy
Choose the steps and channels, the quiet hours, the cap on attempts, and the confidence threshold under which a message waits for you instead of going out.
Let the ladder run
From the due date the engine works every unpaid invoice: day 1, day 7, day 14, day 30. Payments, disputes and failures change what it does without you telling it.
Work the queue, watch the dashboard
Deal with the handful of escalations that need judgment, and read the response rate, hands-off resolution, days to payment, recovered amount and hours saved in your own dashboard.
08 / FAQ
Questions before you switch it on
The ones that decide whether this is for you.
Is $29 really the whole price for AI collections?
Yes for the engine. Professional is $29 a month, or $24 billed annually, and it includes autonomous dunning, the escalation queue, the AR dashboard and voice mode. We take no percentage of what you collect and charge nothing per invoice. Two things are billed on usage: card and ACH processing stays pass-through Stripe at 2.9% plus $0.30 with no markup from us, and physical mail is priced per piece if you use it.
Can I change the ladder, or is day 1, 7, 14 and 30 fixed?
Those are the defaults every account starts with, anchored on the due date. You can change the steps, the offsets, the channel per step and the cap on total attempts, and you can set quiet hours during which nothing is sent. Quiet hours are set as an hour window and applied in UTC today, so pick the window with that in mind.
What stops it emailing a client who is already disputing the bill?
Before each send a classifier reads the case. If it reads as a dispute or a repeated payment failure it goes to your escalation queue instead of getting another reminder, and an opened dispute or a declined charge pauses the campaign on its own until the issue clears. Invoices with no reachable email are escalated rather than retried into a wall.
How do I know it is working?
Your dashboard shows response rate, hands-off resolution, days to payment, amount recovered and hours saved, computed from your own invoices. We deliberately publish no average and no case-study percentage on this page: the only honest number is the one from your account.
Does it call my clients on the phone?
No. Voice here is for you: you talk to the billing assistant to raise, send and chase invoices. Outbound calling to your clients is something other vendors do, and Monk announced AI phone calls on 2026-07-23 as published in its press release. We do not, and we do not plan to fake it.
Switch collections on this afternoon
Start free, send an invoice, and let the ladder do the chasing from the day it goes past due.
No credit card required to start. Collections unlock on Professional at $29 a month.