{"schemaVersion":1,"profileUrl":"https://nowen.ai/agents/tesorio-com","markdownUrl":"https://nowen.ai/agents/tesorio-com.md","jsonUrl":"https://nowen.ai/agents/tesorio-com.json","name":"Tesorio","website":"https://tesorio.com","location":"San Francisco, CA","address":{"city":"San Francisco","state":"CA"},"industry":"Fintech","deliveryModel":"software","marketCategories":{"primary":{"name":"AI Assistant Software","url":"https://nowen.ai/category/ai-assistant-software"},"others":[{"name":"AI Agent Platforms","url":"https://nowen.ai/category/ai-agent-platforms"}]},"status":{"trust":"unclaimed","text":"Unclaimed: compiled by Nowen from public sources, not reviewed by the company"},"updatedAt":"2026-11-12T14:49:16.864Z","summary":"Tesorio helps finance teams automate order-to-cash operations and improve cash-flow visibility.","description":"Tesorio helps finance teams at mid-market and enterprise B2B companies manage the order-to-cash process. Its platform uses AI agents and predictive intelligence to automate receivables work, connect financial data, improve cash-flow visibility, and help teams focus on decisions and exceptions rather than repetitive tasks.","mission":"Give every company the cash flow clarity to control their own destiny","directory":{"industryName":"Fintech","agentCount":173,"indexable":true,"hubUrl":"https://nowen.ai/industry/fintech"},"categoryDirectory":{"name":"AI Assistant Software","agentCount":84,"indexable":true,"url":"https://nowen.ai/category/ai-assistant-software"},"aiReaderFamilies":["Perplexity"],"products":[{"name":"AR Automation","anchor":"product-ar-automation","type":"Platform","url":"https://www.tesorio.com/product/ar-automation","summary":"Gives finance teams a live view of receivables and automates tailored follow-up to help collect cash without manual chasing.","description":"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.","pricing":{},"features":[{"name":"Automated dunning sequences","value":"Automate Scheduled Follow-Ups","valueDescription":"Set up consistent outreach that runs as invoices age, with timing and escalation rules tailored to account or invoice attributes."},{"name":"Live ERP data aggregation","value":"Unify Receivables Data","valueDescription":"Bring invoice, payment, and credit data from the ERP into a single, current receivables view."},{"name":"Live dunning data synchronization","value":"Keep Dunning Data Current","valueDescription":"Use current ERP data in dunning sequences and automatically remove paid or disputed invoices from follow-up."},{"name":"AR workspaces and dashboards","value":"View Receivables In One Workspace","valueDescription":"Give teams a consolidated view of receivables metrics and account status so they can see what is owed and which accounts may need attention."},{"name":"Account segmentation","value":"Prioritize Accounts By Segment","valueDescription":"Organize receivables using account characteristics and direct collection work or dunning sequences to appropriate groups."},{"name":"Automatic dunning escalation","value":"Escalate Accounts Automatically","valueDescription":"Apply configured escalation rules as accounts meet defined conditions, supporting consistent handling of higher-risk or higher-value receivables."},{"name":"Personalized dunning templates","value":"Personalize Collection Messages","valueDescription":"Use existing or custom templates with ERP data inserted into messages to send account-specific communications at scale."},{"name":"Campaign performance analytics","value":"Measure Campaign Performance","valueDescription":"Review campaign performance, conversion, and message response patterns to understand how collection outreach is working."}]},{"name":"Collections Agent","anchor":"product-collections-agent","type":"Product","url":"https://www.tesorio.com/product/collections","summary":"Automates and prioritizes collections work so finance teams can accelerate cash collection and focus on strategic customer relationships.","description":"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.","pricing":{},"features":[{"name":"AI-prioritized worklists","value":"Focus On Highest-Priority Accounts","valueDescription":"Use real-time invoice scoring to direct effort toward accounts with greater collection risk instead of relying on static aging reports."},{"name":"Personalized collection outreach","value":"Tailor Follow-Ups To Customer Behavior","valueDescription":"Adapt collection communications to each customer's payment behavior, making outreach more relevant."},{"name":"Email triage and response drafting","value":"Draft Contextual Replies For Review Or Sending","valueDescription":"Sort incoming collection messages and prepare policy- and tone-aware replies for team review or sending."},{"name":"Promise-to-pay extraction","value":"Track Payment Commitments Automatically","valueDescription":"Make payment dates and related signals visible to colleagues, reducing inbox searches and manual entry."},{"name":"Escalation management","value":"Escalate At-Risk Accounts For Attention","valueDescription":"Route accounts needing human judgment to the team and trigger follow-up tasks under configured conditions."},{"name":"Configurable review and automation controls","value":"Choose Which Actions Require Human Review","valueDescription":"Determine which agent actions need approval and which can run automatically, with different settings for customer segments."},{"name":"Collector performance analytics","value":"Measure Collector And Campaign Performance","valueDescription":"Give managers visibility into outreach, payment promises, collections, DSO, and campaign effectiveness."},{"name":"Customer document retrieval and responses","value":"Attach Relevant Documents To Customer Responses","valueDescription":"Include an invoice copy or other provided document in a customer response when needed."}]},{"name":"Cash Application","anchor":"product-cash-application","type":"Product","url":"https://www.tesorio.com/product/cash-application","summary":"Automates payment matching and exception review to help teams apply cash faster, reduce manual work, and shorten the close cycle.","description":"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.","pricing":{},"features":[{"name":"Intelligent payment matching","value":"Match Payments To Invoices Automatically","valueDescription":"Apply incoming payments to corresponding open invoices, including complex and partial payment scenarios, reducing manual matching work."},{"name":"Exception management","value":"Review Unmatched Payments With Suggested Matches","valueDescription":"Focus review on unresolved payments using confidence-ranked suggestions, while corrections help improve future matching."},{"name":"Email remittance processing","value":"Extract Remittance Details From Emails","valueDescription":"Process remittance information in emails and varied attachment formats without requiring teams to parse each file manually."},{"name":"Lockbox processing","value":"Process Lockbox Files And Check Images","valueDescription":"Automate processing of check-payment data from lockbox files and scanned images, including same-day cash application."},{"name":"Automatic payment posting","value":"Post Payments That Meet Confidence Thresholds","valueDescription":"Automatically post qualifying matches while keeping lower-confidence payments available for team review."},{"name":"Deduction classification","value":"Classify And Route Payment Deductions","valueDescription":"Organize deductions into categories and route them for review or escalation."},{"name":"Multi-currency matching","value":"Reconcile Payments Across Currencies","valueDescription":"Handle multi-currency matching with automatic FX handling to support reconciliation across entities."},{"name":"Cash application integrations","value":"Connect Cash Application To Finance Systems","valueDescription":"Works with listed ERP, payment, and banking tools, including NetSuite, Sage Intacct, Stripe, and Plaid."}]},{"name":"Supplier Portal Automation","anchor":"product-supplier-portal-automation","type":"Product","url":"https://www.tesorio.com/product/supplier-portal","summary":"Automates invoice submissions, payment tracking, remittance retrieval, and dispute handling to reduce manual portal work and give finance teams clearer receivables visibility.","description":"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.","pricing":{},"features":[{"name":"Autonomous invoice submission","value":"Submit Invoices Without Manual Portal Work","valueDescription":"Agents handle portal logins and invoice submission steps, including form completion and document uploads."},{"name":"Payment status monitoring","value":"Track Payment Progress Across Portals","valueDescription":"Collect portal payment dates, approval statuses, and processing updates in Tesorio without checking portals one at a time."},{"name":"Remittance data download","value":"Retrieve Remittance Details For Matching","valueDescription":"Make remittance details available for invoice matching through automated retrieval and parsing."},{"name":"Dispute classification and resolution","value":"Classify And Resolve Portal Disputes","valueDescription":"Gather context and classify portal issues such as price, purchase-order, or quantity mismatches, with autonomous resolution when appropriate."},{"name":"Portal integrations","value":"Connect To Key Procurement Portals","valueDescription":"Connect to Coupa, Ariba, and Bill.com to automate invoice and payment-status tasks."},{"name":"Dispute review routing","value":"Route Complex Disputes For Team Review","valueDescription":"Provide teams with relevant documentation and suggested actions for disputes routed for human review."},{"name":"Agent action audit trail","value":"Review Every Agent Action","valueDescription":"Record automated portal activity so teams can review agent actions."}]},{"name":"AR Forecasting","anchor":"product-ar-forecasting","type":"Product","url":"https://tesorio.com/product/forecasting","summary":"Predicts collections, supports working-capital planning, and shows forecast performance as new data arrives.","description":"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.","pricing":{},"features":[{"name":"Invoice-level payment predictions","value":"Predict Payment Timing For Each Invoice","valueDescription":"See predicted payment timing at invoice level, informed by payment history and other customer and invoice signals."},{"name":"Rolling AR collections forecasts","value":"Keep Collections Forecasts Current","valueDescription":"Use forecasts that adjust as invoice and payment data changes to plan with a current view of expected collections."},{"name":"Live forecasting dashboards and drill-down analytics","value":"Explore Live Forecasts And Their Drivers","valueDescription":"Use current dashboard data and drill-down analytics to examine forecast results from portfolio metrics to individual invoices."},{"name":"Scenario modeling","value":"Compare What-If Scenarios","valueDescription":"Evaluate possible changes in collections, customer payment behavior, or economic conditions by comparing projected AR impact."},{"name":"Forecast-versus-actual tracking","value":"Track Forecast Accuracy Over Time","valueDescription":"Review forecast performance against actual collections and find where predictions are more or less accurate."},{"name":"Predictive account risk scoring","value":"Surface At-Risk Accounts Earlier","valueDescription":"Use daily risk scores and alerts to identify accounts that may need attention before payment issues become visible in aging."},{"name":"ERP data integration","value":"Connect Forecasts To ERP Data","valueDescription":"Use historical payments, invoices, and customer information from connected ERP systems as forecasting inputs."}]},{"name":"Workflows","anchor":"product-workflows","type":"Product","url":"https://tesorio.com/product/workflows","summary":"Automates finance processes across connected systems, reducing manual handoffs and standardizing approvals, escalations, and notifications.","description":"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.","pricing":{},"features":[{"name":"Visual workflow builder","value":"Build Finance Workflows Without Code","valueDescription":"Create workflows through a drag-and-drop interface, connecting triggers, conditions, and actions without writing code."},{"name":"Cross-system orchestration","value":"Coordinate Actions Across Finance Systems","valueDescription":"Connect finance tools and Tesorio events so activity in one system can trigger coordinated updates or notifications in others."},{"name":"Conditional logic and branching","value":"Route Work Based On Business Rules","valueDescription":"Apply conditions, delays, approval gates, and parallel paths to direct invoices or accounts through appropriate workflows."},{"name":"Pre-built workflow templates","value":"Launch Common Finance Automations Faster","valueDescription":"Start with customizable templates for recurring processes, including invoice assignment, customer tagging, purchase-order validation, and note logging."},{"name":"Finance system integrations","value":"Connect Workflows To Existing Finance Tools","valueDescription":"Build workflows across connected ERP, CRM, communication, and email tools."},{"name":"Approval and escalation automation","value":"Automate Approvals And Escalations","valueDescription":"Route approval requests and overdue-invoice escalations through defined paths to manage handoffs and accountability."},{"name":"Workflow analytics and bottleneck visibility","value":"Track Workflow Activity And Bottlenecks","valueDescription":"Review workflow activity and analytics to identify bottlenecks or delays in finance processes."},{"name":"Workflow audit trail","value":"Maintain A Record Of Workflow Actions","valueDescription":"Keep an audit trail for structured approval workflows so teams can review actions taken."}]},{"name":"Payment Portal","anchor":"product-payment-portal","type":"Product","url":"https://tesorio.com/product/payment-portal","summary":"Lets customers manage invoices and pay online independently, helping businesses reduce routine inquiries and accelerate collections.","description":"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.","pricing":{},"features":[{"name":"Customer invoice self-service","value":"Let Customers Manage Invoices Independently","valueDescription":"Give customers access to invoices, payment history, and statements, and let them pay one or multiple invoices independently."},{"name":"Flexible payment options","value":"Accept ACH, Card, And Wire Payments","valueDescription":"Offer ACH, credit card, and wire transfer options through integrated processing, with payments automatically reconciled against open invoices."},{"name":"Payment plan requests","value":"Manage Payment Plan Requests In Tesorio","valueDescription":"Let customers submit payment plan requests through the portal for team review and approval in Tesorio."},{"name":"Dispute submission","value":"Route And Track Customer Disputes","valueDescription":"Allow customers to flag disputes through the portal and keep handling centralized, documented, and auditable."},{"name":"Finance system integrations","value":"Connect Payments To Finance Systems","valueDescription":"Connect the portal with supported payment and finance systems so payment activity can work with existing tools."},{"name":"Branded portal experience","value":"Present A Branded Payment Experience","valueDescription":"Give customers a self-service payment experience customized with company branding, colors, and messaging."},{"name":"Recurring auto-pay","value":"Enable Recurring Auto-Pay","valueDescription":"Offer customers an auto-pay option for recurring payments through the portal."},{"name":"Payment activity tracking","value":"Track Customer Payment Activity","valueDescription":"View customer payment intent and activity in real time."},{"name":"Payment receipts","value":"Send And Download Payment Receipts","valueDescription":"Provide customers with an emailed receipt after payment and an option to download a copy."}]},{"name":"Tesorio Pay","anchor":"product-tesorio-pay","type":"Product","url":"https://tesorio.com/product/tesorio-pay","summary":"Accepts card and ACH payments while managing payments, payouts, and reconciliation in one system to lower the cost of getting paid.","description":"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.","pricing":{},"features":[{"name":"Card and ACH payment processing","value":"Accept Card And ACH Payments","valueDescription":"Offer card and ACH payments within the accounts-receivable workflow, with the goal of lowering the cost of getting paid."},{"name":"Payment and payout management","value":"Manage Payments And Payouts Together","valueDescription":"Run payments and payouts in the same system alongside the accounts-receivable workflow."},{"name":"Payment reconciliation","value":"Reconcile Payments In One System","valueDescription":"Keep payment reconciliation within the same system used to run payments and payouts."}]},{"name":"AI Chat + MCP","anchor":"product-ai-chat-mcp","type":"Product","url":"https://tesorio.com/product/ai-chat-mcp","summary":"Provides trusted answers and connected finance workflows using live order-to-cash data, without building reports or switching between systems.","description":"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.","pricing":{},"features":[{"name":"Live order-to-cash question answering","value":"Get Trusted Answers Faster","valueDescription":"Find answers to finance questions using live Tesorio data instead of piecing together reports, exports, and spreadsheets."},{"name":"In-platform AI chat and analysis","value":"Analyze Data Inside Tesorio","valueDescription":"Get insights within Tesorio without interrupting work to build reports or assemble separate exports."},{"name":"External AI tool access","value":"Access Finance Data From AI Tools","valueDescription":"Bring live Tesorio context into supported AI tools so teams can ask finance questions from their AI workspace."},{"name":"Connected workflow actions","value":"Turn Answers Into Actions","valueDescription":"Use finance context to move work forward by notifying account owners, creating tasks, or updating Tesorio."},{"name":"Cross-system finance context","value":"Bring Finance Context Together","valueDescription":"See relevant order-to-cash information together without manually reconstructing context across separate systems."},{"name":"Permission-scoped data access","value":"Keep Access Within User Permissions","valueDescription":"Give users access to Tesorio data according to existing permissions, with account context available for review before supported actions."}],"marketCategories":[{"name":"AI Assistant Software","url":"https://nowen.ai/category/ai-assistant-software"}]},{"name":"MCP Server","anchor":"product-mcp-server","type":"Product","url":"https://www.tesorio.com/product/mcp-server","summary":"Provides live order-to-cash answers and finance workflow actions through compatible AI assistants, without switching between tools.","description":"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.","pricing":{},"features":[{"name":"Built-in financial operations tools","value":"Query Key Finance Data","valueDescription":"Ask an AI assistant for financial operations information through built-in tools, including invoice and payment details, AR aging, and DSO metrics."},{"name":"Custom workflow-driven actions","value":"Build Custom AI Actions","valueDescription":"Create workflow-powered tools for finance tasks such as escalating accounts, creating tasks, and sending Slack alerts without writing code."},{"name":"Live financial data access","value":"Get Live Finance Answers","valueDescription":"Use current financial operations data to answer questions and review account context without building reports or exporting data."},{"name":"Permission-scoped access and audit logging","value":"Enforce User Permissions","valueDescription":"Keep AI access aligned with each user's Tesorio permissions while maintaining an audit log of MCP activity."},{"name":"Connected finance stack access","value":"Access Connected Finance Systems","valueDescription":"Query data from Tesorio and connected finance systems through an AI assistant."},{"name":"MCP client compatibility","value":"Connect Compatible AI Clients","valueDescription":"Bring Tesorio financial context and tools into supported AI assistants and other MCP-compatible clients."},{"name":"Hosted MCP connectivity and authentication","value":"Connect Through Hosted MCP","valueDescription":"Use Tesorio's hosted MCP endpoint and supported transports to connect AI tools with OAuth 2.1 authentication options."}]},{"name":"AI Agent Studio","anchor":"product-ai-agent-studio","type":"Platform","url":"https://tesorio.com/product/ai-agents","summary":"Automates routine finance and collections work so teams can focus on strategic accounts and exceptions.","description":"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.","pricing":{},"features":[{"name":"Specialized finance agents","value":"Automate Routine Finance Work","valueDescription":"Assign routine finance operations to specialized agents so teams can focus on strategic accounts and exceptions."},{"name":"Payment-promise extraction","value":"Extract Payment Promises","valueDescription":"Capture payment commitments from email responses so teams can track promised payments without manual recording."},{"name":"Routine task automation","value":"Handle Routine Collection Tasks","valueDescription":"Automate routine collection work so finance teams can focus on strategic accounts and exceptions."},{"name":"Response generation","value":"Generate Email Responses","valueDescription":"Have agents generate finance email responses, with the option for people to review messages before sending."},{"name":"Escalation detection","value":"Detect And Escalate Risks","valueDescription":"Identify escalation signals in collection work so people can handle exceptions."},{"name":"Supplier portal management","value":"Manage Supplier Portals","valueDescription":"Automate supplier portal management as part of accounts-receivable operations."},{"name":"Email classification","value":"Classify Finance Emails","valueDescription":"Classify incoming finance emails to support routine accounts-receivable communications."},{"name":"Status tracking","value":"Track Collection Status","valueDescription":"Automate status tracking across collection work, reducing routine manual tasks."},{"name":"Learning from organizational data","value":"Learn From Finance Data","valueDescription":"Agents learn from organizational data while carrying out finance operations."}],"marketCategories":[{"name":"AI Agent Platforms","url":"https://nowen.ai/category/ai-agent-platforms"}]}],"audiences":[],"segments":[],"faq":[],"comparisons":[],"sources":[{"url":"https://tesorio.com","text":"Tesorio"},{"url":"https://www.tesorio.com/product/ar-automation","text":"AR Automation"},{"url":"https://www.tesorio.com/product/collections","text":"Collections Agent"},{"url":"https://www.tesorio.com/product/cash-application","text":"Cash Application"},{"url":"https://www.tesorio.com/product/supplier-portal","text":"Supplier Portal Automation"},{"url":"https://tesorio.com/product/forecasting","text":"AR Forecasting"},{"url":"https://tesorio.com/product/workflows","text":"Workflows"},{"url":"https://tesorio.com/product/payment-portal","text":"Payment Portal"},{"url":"https://tesorio.com/product/tesorio-pay","text":"Tesorio Pay"},{"url":"https://tesorio.com/product/ai-chat-mcp","text":"AI Chat + MCP"},{"url":"https://www.tesorio.com/product/mcp-server","text":"MCP Server"},{"url":"https://tesorio.com/product/ai-agents","text":"AI Agent Studio"}]}