AR Copilot

AI for Accounts Receivable

Take the manual work out of cash application.

AR Copilot connects your bank payments, remittances and open receivables to identify, match and explain allocations, surface exceptions and give your finance team the next best action — while keeping you in control.

Book a demoSee how it works
  • Works with your existing systems
  • Secure by design
  • Built for finance teams
  1. 01

    Your data comes in

    Bank payments

    Remittances

    Open receivables

  2. 02

    AR Copilot works through it

    AR Copilot

    Identify · Match · Explain · Prioritise

  3. 03

    Every payment gets a clear state

    Matched

    Ready for allocation

    Needs review

    Exceptions surfaced

    Unidentified

    Needs investigation

  4. 04

    Your team approves

    Approved allocations

    Ready for your ERP

From proposition to daily operation

  • Faster cash application

    Reduce repetitive matching work

  • Less unapplied cash

    Surface payments needing attention

  • Fewer unnecessary chases

    Understand what's paid and outstanding

  • Finance stays in control

    Human approval and complete audit trail

A clearer view of your cash

Everything your AR team needs, in one place.

See incoming payments, remittances, open items and exceptions in one workspace. AR Copilot highlights the best matches, explains its reasoning and focuses attention.

AR Overview

Your cash application at a glance

This month

Payments received

1,248

Matched

1,032

Needs review

156

Unidentified

42

Recent payments

View all →
DatePayerAmountReferenceStatusMatch confidence
12 Oct 2026ABC Manufacturing€24,500.00INV-44821MatchedHigh
12 Oct 2026EuroTech Ltd€8,320.00Multiple (3)Needs reviewMedium
11 Oct 2026Global Components€15,600.00PO-7733MatchedHigh
11 Oct 2026Northstar Distribution€48,250.00RemittanceMatchedHigh
10 Oct 2026Unknown payer€6,450.00—Unidentified—
Clear next stateEvidence attached

How it works

One continuous path from payment to allocation.

Each stage keeps the source data, match evidence and finance decision connected.

  1. 01

    Capture

    Bring together bank payments, remittances and receivables data.

  2. 02

    Identify

    Connect incoming payments to the right customer.

  3. 03

    Match

    Recommend invoices and credit notes using payment evidence and AR data.

  4. 04

    Review

    Surface ambiguity, exceptions and supporting evidence for finance.

  5. 05

    Approve

    Send approved allocation information into the existing ERP workflow.

remittance_oct.pdf
Unstructured source€48,250.00

Structured for review

Check uncertainty
Customer
Northstar Distribution
Payment reference
NSD-PAY-2291
Invoices
INV-10482, 10501, 10517
Credit notes
CR-00491
Currency
EUR
Total
€48,250.00
Reconciled with payment evidence · €48,250.00

Remittance intelligence

Remittances shouldn't need manual rekeying.

AR Copilot uses AI-assisted extraction to turn remittance advice into structured information, then links it to the right bank payment. Anything uncertain is flagged for your team to check — not guessed.
  • PDF
  • Excel
  • CSV
  • Email

Explainable matching

A recommendation your finance team can understand.

Every suggestion comes with the evidence behind it, so your team can verify the reasoning rather than trust a black box.

Incoming payment

€48,250.00

11 Oct · Bank credit

Suggested customer

Northstar Distribution

Suggested documents

Evidence-linked
  • INV-10482€21,500.00
  • INV-10501€18,250.00
  • INV-10517€10,000.00
  • CR-00491−€1,500.00

Proposed allocation

€48,250.00

Variance

€0.00

Why this match?

High confidence
  • Invoice references found in remittance
  • Customer identity matched
  • Currency matches
  • Payment total reconciles
  • Credit note referenced
ApproveAdjust

Recommendation only. Nothing is allocated until approved.

Exception management

When something doesn't match, your team knows why.

Exceptions are surfaced with a clear reason and the supporting evidence — never hidden, and never silently resolved.
See exception management

Exception queue

Illustrative review workspace

  • Missing remittance

    Selected

    Northstar Distribution · €12,400.00

    Needs review

    Age 2h

  • Unknown customer

    Unrecognised payer · €6,450.00

    Investigate

    Age 5h

  • Duplicate payment

    ABC Manufacturing · €24,500.00

    Needs review

    Age 1d

  • Currency mismatch

    EuroTech Ltd · $8,320.00

    Needs review

    Age 1d

  • Short payment

    Global Components · €320.00 variance

    Needs review

    Age 2d

AI assists. Finance decides.

Automation without giving up control.

AR Copilot prepares and explains proposed allocations while your finance team retains control over review, adjustment and approval.

  1. 01

    AI recommendation

    Proposed allocation with evidence

  2. 02

    Finance review

    Your team checks the reasoning

  3. 03

    Approve · Adjust · Reject

    Decisions recorded with reasons

    Human decision
  4. 04

    ERP

    Approved information to your workflow

Evidence retained

Source documents and match reasoning remain available through review.

  • Role-based access
  • Approval workflows
  • Override reasons
  • Audit history
  • Source evidence

Customer payment intelligence

Context built from approved AR history.

Approved outcomes and payment history can help your team recognise recurring payer relationships and patterns — useful context for the next review, not autonomous prediction.

An emerging intelligence layer built around the cash application workflow, rather than a claim to replace the wider AR stack.

Northstar Distribution

Customer account context · illustrative

Typical currency
EUR
Payment behaviour
Usually combines multiple invoices
Remittance behaviour
Typically received alongside payment
Common pattern
Invoice references supplied
Current status
3 open invoices

Recent allocation behaviour

Approved outcomes provide context for future review

12 Oct

Combined payment allocated

3 invoices · 1 credit note

27 Sep

Remittance received with payment

References matched open documents

08 Sep

Allocation adjusted by finance

Override reason recorded

Fits your finance stack

Designed around the systems you already use.

AR Copilot is designed to sit between your banking, remittance and receivables workflows, helping your team automate AR operations without replacing the systems you rely on.

Existing finance environment

  • Banks
  • Remittance sources
  • ERP / Receivables
In context

AR Copilot

Identify · match · explain

Approved allocation workflow
Back to the existing ERP process

Integration options can include file-based workflows, APIs and customer-specific adapters depending on your environment.

Enterprise security

Your financial data deserves more than an AI promise.

Security is a matter of architecture and control: what data AI can see, who can act on its suggestions, and a full record of every decision.

Controlled processing boundary

Data, actions and evidence are governed separately

  • 01

    Controlled AI access

    Only required information should be supplied to AI processing.

  • 02

    Human approval

    AI recommendations do not become accounting decisions without the configured finance workflow.

  • 03

    Role-based access

    Control who can review, adjust, approve and administer.

  • 04

    Auditability

    Maintain evidence of recommendations, changes and approvals.

  • 05

    Flexible deployment

    Support enterprise deployment requirements, including customer-controlled cloud environments where agreed.

Who it's for

Built for complex B2B receivables.

Especially valuable where payments, remittances, currencies and ERP receivables still require significant manual reconciliation.
Multiple banks
Multiple currencies
Mixed remittances
Existing ERP controls
  • Manufacturing
  • Distribution
  • Wholesale
  • Multi-entity businesses
  • Shared service finance teams
  • International B2B organisations

Start with the workflow you have

What could your AR team stop doing manually?

Show us how payments and remittances reach your finance team today. We'll show you where AR Copilot could remove repetitive work while keeping your existing controls.

Book a demoTalk to us