Module · 5 of 8
Invoices sent. Overdue calls made. Books reconciled. Without you.
AI generates and sends every invoice from your appointment and quote data. Calls overdue accounts in your voice with proven scripts. Reconciles Stripe, Square, and QuickBooks daily. Cuts your days-sales-outstanding by 15-30 days in month one.
What this module does
Four capabilities that show up in week one.
01
Auto-invoicing from job data
Completed appointments (from Calendar + Receptionist modules) auto-generate itemized invoices. Sent via email + SMS with a Stripe / Square payment link. Customer pays in 2 taps.
02
AI collections calls
Diane — our AI collections agent — calls overdue accounts at the optimal local-time hour, in a professional non-aggressive voice, offering 3 payment options (pay now, payment plan, dispute review). Higher recovery rate than human collectors because she calls every account, every cycle.
03
Stripe + Square + QuickBooks reconciliation
Daily 3-way reconciliation across your processor, bank, and accounting platform. Anomalies (chargebacks, duplicate payments, missing entries) flagged in your founder digest.
04
Cashflow forecasting
Weekly forecast based on your invoice pipeline, historical collection rates, and seasonal patterns. Land in your inbox every Monday morning.
How it works
You connect Stripe / Square + your accounting platform via OAuth. Morthn pulls payment events nightly and writes back invoices, payment links, and reconciliation records. Diane (the AI collections agent) calls accounts overdue >7 days in the customer's local 9am-7pm window — never outside of legal call hours, never more than 3 attempts per cycle, always offering a payment plan as an alternative to pay-now. All call transcripts available in your workspace; all collection actions logged for compliance.
Integrates with
Compliance + guardrails
Collections calls operate inside FDCPA + TCPA bounds — no calls outside 8am-9pm local, no contact after a "stop calling" request, no false claims about legal action. Customer can opt out of AI calls and request a human in one SMS reply. Maximum 3 contact attempts per 30-day cycle. Every script reviewed for compliance during onboarding.
Tier availability
Available on every tier
FAQ
Common questions about Payments + AR.
What about disputes + chargebacks?
Auto-detected from Stripe / Square webhooks. The AI drafts a chargeback response with evidence pulled from the invoice + customer thread + appointment log, ready for your one-tap submission. Win rate is meaningfully higher than self-drafted because the response is timely + evidence-complete.
Can the AI take payments on the phone?
No — never card data over voice (PCI risk). Diane offers to send a Stripe payment link by SMS during the call. Most customers prefer it — they pay in 90 seconds while she stays on the line confirming.
Does it work for businesses that bill on retainers / subscriptions?
Yes. Recurring billing via Stripe Subscriptions or Square Subscriptions. AI handles dunning emails for failed renewals (up to 3 attempts), then triggers Diane for an AI voice follow-up if dunning fails.
Other modules in the Morthn OS
Module 5 of 8 in the Morthn operating system