Tesorio

Gives finance teams a live view of receivables and automates tailored follow-up to help collect cash without manual chasing.

Automates and prioritizes collections work so finance teams can accelerate cash collection and focus on strategic customer relationships.

Automates payment matching and exception review to help teams apply cash faster, reduce manual work, and shorten the close cycle.

Automates invoice submissions, payment tracking, remittance retrieval, and dispute handling to reduce manual portal work and give finance teams clearer receivables visibility.

Predicts collections, supports working-capital planning, and shows forecast performance as new data arrives.

Automates finance processes across connected systems, reducing manual handoffs and standardizing approvals, escalations, and notifications.

Lets customers manage invoices and pay online independently, helping businesses reduce routine inquiries and accelerate collections.

Accepts card and ACH payments while managing payments, payouts, and reconciliation in one system to lower the cost of getting paid.

Provides trusted answers and connected finance workflows using live order-to-cash data, without building reports or switching between systems.

Provides live order-to-cash answers and finance workflow actions through compatible AI assistants, without switching between tools.

Automates routine finance and collections work so teams can focus on strategic accounts and exceptions.

AR Automation

Tesorio AR Automation syncs ERP invoices, payments, and credits into a shared workspace with visibility into aging, collection scores, at-risk accounts, and balances owed. Teams can segment accounts and run scheduled, rule-based dunning tailored to each account, with follow-ups that escalate across the receivables portfolio.

• Automate Scheduled Follow-Ups
  Set up consistent outreach that runs as invoices age, with timing and escalation rules tailored to account or invoice attributes.
• Unify Receivables Data
  Bring invoice, payment, and credit data from the ERP into a single, current receivables view.
• Keep Dunning Data Current
  Use current ERP data in dunning sequences and automatically remove paid or disputed invoices from follow-up.
• View Receivables In One Workspace
  Give teams a consolidated view of receivables metrics and account status so they can see what is owed and which accounts may need attention.
• Prioritize Accounts By Segment
  Organize receivables using account characteristics and direct collection work or dunning sequences to appropriate groups.
• Escalate Accounts Automatically
  Apply configured escalation rules as accounts meet defined conditions, supporting consistent handling of higher-risk or higher-value receivables.
• Personalize Collection Messages
  Use existing or custom templates with ERP data inserted into messages to send account-specific communications at scale.
• Measure Campaign Performance
  Review campaign performance, conversion, and message response patterns to understand how collection outreach is working.

Collections Agent

Tesorio’s AI-powered Collections Agent prioritizes accounts, triages incoming accounts-receivable emails, drafts contextual responses, extracts payment promises, and escalates at-risk invoices. It personalizes collection outreach based on customer behavior and helps teams manage follow-ups with configurable review and automation controls.

• Focus On Highest-Priority Accounts
  Use real-time invoice scoring to direct effort toward accounts with greater collection risk instead of relying on static aging reports.
• Tailor Follow-Ups To Customer Behavior
  Adapt collection communications to each customer's payment behavior, making outreach more relevant.
• Draft Contextual Replies For Review Or Sending
  Sort incoming collection messages and prepare policy- and tone-aware replies for team review or sending.
• Track Payment Commitments Automatically
  Make payment dates and related signals visible to colleagues, reducing inbox searches and manual entry.
• Escalate At-Risk Accounts For Attention
  Route accounts needing human judgment to the team and trigger follow-up tasks under configured conditions.
• Choose Which Actions Require Human Review
  Determine which agent actions need approval and which can run automatically, with different settings for customer segments.
• Measure Collector And Campaign Performance
  Give managers visibility into outreach, payment promises, collections, DSO, and campaign effectiveness.
• Attach Relevant Documents To Customer Responses
  Include an invoice copy or other provided document in a customer response when needed.

Cash Application

Tesorio's AI Cash Application Agent matches incoming payments to open invoices using machine learning and AI pattern recognition. It processes remittance information from emails and attachments, lockbox files, and scanned check images. It supports partial payments, overpayments, cross-invoice applications, and multi-entity matching, and routes unmatched payments to a review workspace with confidence-ranked suggestions. Teams can enable automatic posting for payments meeting a confidence threshold. It supports same-day processing and connects with NetSuite, Sage Intacct, Stripe, and Plaid.

• Match Payments To Invoices Automatically
  Apply incoming payments to corresponding open invoices, including complex and partial payment scenarios, reducing manual matching work.
• Review Unmatched Payments With Suggested Matches
  Focus review on unresolved payments using confidence-ranked suggestions, while corrections help improve future matching.
• Extract Remittance Details From Emails
  Process remittance information in emails and varied attachment formats without requiring teams to parse each file manually.
• Process Lockbox Files And Check Images
  Automate processing of check-payment data from lockbox files and scanned images, including same-day cash application.
• Post Payments That Meet Confidence Thresholds
  Automatically post qualifying matches while keeping lower-confidence payments available for team review.
• Classify And Route Payment Deductions
  Organize deductions into categories and route them for review or escalation.
• Reconcile Payments Across Currencies
  Handle multi-currency matching with automatic FX handling to support reconciliation across entities.
• Connect Cash Application To Finance Systems
  Works with listed ERP, payment, and banking tools, including NetSuite, Sage Intacct, Stripe, and Plaid.

Supplier Portal Automation

Tesorio's Supplier Portal Automation uses AI agents to log into customer procurement portals and manage accounts-receivable tasks. Agents submit invoices, complete forms, attach documentation, and confirm submissions; monitor payment dates, approval status, and processing updates; download and parse remittance data; and classify portal disputes or rejections for resolution or team review. Activity and status updates are brought into Tesorio with an audit trail. Supported portals include Coupa, Ariba, and Bill.com.

• Submit Invoices Without Manual Portal Work
  Agents handle portal logins and invoice submission steps, including form completion and document uploads.
• Track Payment Progress Across Portals
  Collect portal payment dates, approval statuses, and processing updates in Tesorio without checking portals one at a time.
• Retrieve Remittance Details For Matching
  Make remittance details available for invoice matching through automated retrieval and parsing.
• Classify And Resolve Portal Disputes
  Gather context and classify portal issues such as price, purchase-order, or quantity mismatches, with autonomous resolution when appropriate.
• Connect To Key Procurement Portals
  Connect to Coupa, Ariba, and Bill.com to automate invoice and payment-status tasks.
• Route Complex Disputes For Team Review
  Provide teams with relevant documentation and suggested actions for disputes routed for human review.
• Review Every Agent Action
  Record automated portal activity so teams can review agent actions.

AR Forecasting

Tesorio's AR Forecasting engine uses machine learning trained on historical payment patterns, customer behavior, seasonal trends, invoice terms, and ERP data to predict collections at the invoice level. It provides continuously updated rolling forecasts, including 13-week forecasts, and scenario modeling for working-capital planning and collection strategy. Finance teams can track forecast accuracy against actuals, analyze variances, and drill down from portfolio metrics to customers and invoices. Predictive risk scores and alerts help surface at-risk accounts.

• Predict Payment Timing For Each Invoice
  See predicted payment timing at invoice level, informed by payment history and other customer and invoice signals.
• Keep Collections Forecasts Current
  Use forecasts that adjust as invoice and payment data changes to plan with a current view of expected collections.
• Explore Live Forecasts And Their Drivers
  Use current dashboard data and drill-down analytics to examine forecast results from portfolio metrics to individual invoices.
• Compare What-If Scenarios
  Evaluate possible changes in collections, customer payment behavior, or economic conditions by comparing projected AR impact.
• Track Forecast Accuracy Over Time
  Review forecast performance against actual collections and find where predictions are more or less accurate.
• Surface At-Risk Accounts Earlier
  Use daily risk scores and alerts to identify accounts that may need attention before payment issues become visible in aging.
• Connect Forecasts To ERP Data
  Use historical payments, invoices, and customer information from connected ERP systems as forecasting inputs.

Workflows

Tesorio Workflows is a no-code finance workflow automation product with a visual drag-and-drop builder. Connect triggers, conditions, and actions across finance tools to automate collection escalations, approval routing, invoice handoffs, and cross-system notifications. Workflows can be triggered by Tesorio AI events or connected systems, with branching, delays, approval gates, and parallel paths.

• Build Finance Workflows Without Code
  Create workflows through a drag-and-drop interface, connecting triggers, conditions, and actions without writing code.
• Coordinate Actions Across Finance Systems
  Connect finance tools and Tesorio events so activity in one system can trigger coordinated updates or notifications in others.
• Route Work Based On Business Rules
  Apply conditions, delays, approval gates, and parallel paths to direct invoices or accounts through appropriate workflows.
• Launch Common Finance Automations Faster
  Start with customizable templates for recurring processes, including invoice assignment, customer tagging, purchase-order validation, and note logging.
• Connect Workflows To Existing Finance Tools
  Build workflows across connected ERP, CRM, communication, and email tools.
• Automate Approvals And Escalations
  Route approval requests and overdue-invoice escalations through defined paths to manage handoffs and accountability.
• Track Workflow Activity And Bottlenecks
  Review workflow activity and analytics to identify bottlenecks or delays in finance processes.
• Maintain A Record Of Workflow Actions
  Keep an audit trail for structured approval workflows so teams can review actions taken.

Payment Portal

Payment Portal is a branded self-service experience where customers can view invoices, payment history, and account statements; pay individual or multiple invoices; and choose ACH, credit card, or wire transfer. Customers can request payment plans and submit disputes, while teams review requests in Tesorio. Payments are automatically reconciled against open invoices, and the portal connects with payment processing and finance systems. Branding, online access, and payment activity tracking help reduce routine inquiries and accelerate collections.

• Let Customers Manage Invoices Independently
  Give customers access to invoices, payment history, and statements, and let them pay one or multiple invoices independently.
• Accept ACH, Card, And Wire Payments
  Offer ACH, credit card, and wire transfer options through integrated processing, with payments automatically reconciled against open invoices.
• Manage Payment Plan Requests In Tesorio
  Let customers submit payment plan requests through the portal for team review and approval in Tesorio.
• Route And Track Customer Disputes
  Allow customers to flag disputes through the portal and keep handling centralized, documented, and auditable.
• Connect Payments To Finance Systems
  Connect the portal with supported payment and finance systems so payment activity can work with existing tools.
• Present A Branded Payment Experience
  Give customers a self-service payment experience customized with company branding, colors, and messaging.
• Enable Recurring Auto-Pay
  Offer customers an auto-pay option for recurring payments through the portal.
• Track Customer Payment Activity
  View customer payment intent and activity in real time.
• Send And Download Payment Receipts
  Provide customers with an emailed receipt after payment and an option to download a copy.

Tesorio Pay

Tesorio Pay provides card and ACH payments within the accounts-receivable workflow. It is positioned to lower the cost of getting paid and bring payments, payouts, and reconciliation together in one system.

• Accept Card And ACH Payments
  Offer card and ACH payments within the accounts-receivable workflow, with the goal of lowering the cost of getting paid.
• Manage Payments And Payouts Together
  Run payments and payouts in the same system alongside the accounts-receivable workflow.
• Reconcile Payments In One System
  Keep payment reconciliation within the same system used to run payments and payouts.

AI Chat + MCP

AI Chat + MCP lets finance teams ask questions about order-to-cash data and receive answers grounded in live Tesorio data. Users can work with AI Chat inside Tesorio or connect Tesorio MCP to external AI tools such as Claude, ChatGPT, and Cursor. It supports connected workflows such as identifying overdue accounts, notifying account owners, updating Tesorio, and adding notes. Access is limited to the data and permissions available to the signed-in Tesorio user.

Category: AI Assistant Software

• Get Trusted Answers Faster
  Find answers to finance questions using live Tesorio data instead of piecing together reports, exports, and spreadsheets.
• Analyze Data Inside Tesorio
  Get insights within Tesorio without interrupting work to build reports or assemble separate exports.
• Access Finance Data From AI Tools
  Bring live Tesorio context into supported AI tools so teams can ask finance questions from their AI workspace.
• Turn Answers Into Actions
  Use finance context to move work forward by notifying account owners, creating tasks, or updating Tesorio.
• Bring Finance Context Together
  See relevant order-to-cash information together without manually reconstructing context across separate systems.
• Keep Access Within User Permissions
  Give users access to Tesorio data according to existing permissions, with account context available for review before supported actions.

MCP Server

Tesorio's MCP Server connects compatible AI assistants to live financial operations data and actions across the order-to-cash stack. It includes standard tools for querying AR and payment information and lets teams create custom workflow-driven actions without code. The hosted server supports MCP-compatible clients, with access authenticated and scoped to each user's permissions.

• Query Key Finance Data
  Ask an AI assistant for financial operations information through built-in tools, including invoice and payment details, AR aging, and DSO metrics.
• Build Custom AI Actions
  Create workflow-powered tools for finance tasks such as escalating accounts, creating tasks, and sending Slack alerts without writing code.
• Get Live Finance Answers
  Use current financial operations data to answer questions and review account context without building reports or exporting data.
• Enforce User Permissions
  Keep AI access aligned with each user's Tesorio permissions while maintaining an audit log of MCP activity.
• Access Connected Finance Systems
  Query data from Tesorio and connected finance systems through an AI assistant.
• Connect Compatible AI Clients
  Bring Tesorio financial context and tools into supported AI assistants and other MCP-compatible clients.
• Connect Through Hosted MCP
  Use Tesorio's hosted MCP endpoint and supported transports to connect AI tools with OAuth 2.1 authentication options.

AI Agent Studio

AI Agent Studio deploys specialized AI agents for finance operations. The agents classify emails, generate responses, extract payment promises, track status, detect escalations, and manage supplier portals, learning from organizational data. They handle routine collection tasks so finance teams can focus on strategic, high-value accounts and exceptions.

Category: AI Agent Platforms

• Automate Routine Finance Work
  Assign routine finance operations to specialized agents so teams can focus on strategic accounts and exceptions.
• Extract Payment Promises
  Capture payment commitments from email responses so teams can track promised payments without manual recording.
• Handle Routine Collection Tasks
  Automate routine collection work so finance teams can focus on strategic accounts and exceptions.
• Generate Email Responses
  Have agents generate finance email responses, with the option for people to review messages before sending.
• Detect And Escalate Risks
  Identify escalation signals in collection work so people can handle exceptions.
• Manage Supplier Portals
  Automate supplier portal management as part of accounts-receivable operations.
• Classify Finance Emails
  Classify incoming finance emails to support routine accounts-receivable communications.
• Track Collection Status
  Automate status tracking across collection work, reducing routine manual tasks.
• Learn From Finance Data
  Agents learn from organizational data while carrying out finance operations.