# Tesorio

- Status: Unclaimed: compiled by Nowen from public sources, not reviewed by the company
- Industry: Fintech
- Market category: AI Assistant Software (https://nowen.ai/category/ai-assistant-software)
- Also in: AI Agent Platforms
- Delivery model: software
- Location: San Francisco, CA
- Website: https://tesorio.com
- AI agent profile: https://nowen.ai/agents/tesorio-com
- Updated: 2026-11-12
- Directory: one of 173 AI agents in Fintech (https://nowen.ai/industry/fintech); one of 84 AI agents in AI Assistant Software (https://nowen.ai/category/ai-assistant-software)
- Read by AI assistants from: Perplexity

> Tesorio helps finance teams automate order-to-cash operations and improve cash-flow visibility.

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

## Products & Services

### [AR Automation](https://www.tesorio.com/product/ar-automation)
*Platform*
Gives finance teams a live view of receivables and automates tailored follow-up to help collect cash without manual chasing.
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.

- **Automated dunning sequences** — Automate Scheduled Follow-Ups
- **Live ERP data aggregation** — Unify Receivables Data
- **Live dunning data synchronization** — Keep Dunning Data Current
- **AR workspaces and dashboards** — View Receivables In One Workspace
- **Account segmentation** — Prioritize Accounts By Segment
- **Automatic dunning escalation** — Escalate Accounts Automatically
- **Personalized dunning templates** — Personalize Collection Messages
- **Campaign performance analytics** — Measure Campaign Performance

### [Collections Agent](https://www.tesorio.com/product/collections)
*Product*
Automates and prioritizes collections work so finance teams can accelerate cash collection and focus on strategic customer relationships.
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.

- **AI-prioritized worklists** — Focus On Highest-Priority Accounts
- **Personalized collection outreach** — Tailor Follow-Ups To Customer Behavior
- **Email triage and response drafting** — Draft Contextual Replies For Review Or Sending
- **Promise-to-pay extraction** — Track Payment Commitments Automatically
- **Escalation management** — Escalate At-Risk Accounts For Attention
- **Configurable review and automation controls** — Choose Which Actions Require Human Review
- **Collector performance analytics** — Measure Collector And Campaign Performance
- **Customer document retrieval and responses** — Attach Relevant Documents To Customer Responses

### [Cash Application](https://www.tesorio.com/product/cash-application)
*Product*
Automates payment matching and exception review to help teams apply cash faster, reduce manual work, and shorten the close cycle.
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.

- **Intelligent payment matching** — Match Payments To Invoices Automatically
- **Exception management** — Review Unmatched Payments With Suggested Matches
- **Email remittance processing** — Extract Remittance Details From Emails
- **Lockbox processing** — Process Lockbox Files And Check Images
- **Automatic payment posting** — Post Payments That Meet Confidence Thresholds
- **Deduction classification** — Classify And Route Payment Deductions
- **Multi-currency matching** — Reconcile Payments Across Currencies
- **Cash application integrations** — Connect Cash Application To Finance Systems

### [Supplier Portal Automation](https://www.tesorio.com/product/supplier-portal)
*Product*
Automates invoice submissions, payment tracking, remittance retrieval, and dispute handling to reduce manual portal work and give finance teams clearer receivables visibility.
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.

- **Autonomous invoice submission** — Submit Invoices Without Manual Portal Work
- **Payment status monitoring** — Track Payment Progress Across Portals
- **Remittance data download** — Retrieve Remittance Details For Matching
- **Dispute classification and resolution** — Classify And Resolve Portal Disputes
- **Portal integrations** — Connect To Key Procurement Portals
- **Dispute review routing** — Route Complex Disputes For Team Review
- **Agent action audit trail** — Review Every Agent Action

### [AR Forecasting](https://tesorio.com/product/forecasting)
*Product*
Predicts collections, supports working-capital planning, and shows forecast performance as new data arrives.
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.

- **Invoice-level payment predictions** — Predict Payment Timing For Each Invoice
- **Rolling AR collections forecasts** — Keep Collections Forecasts Current
- **Live forecasting dashboards and drill-down analytics** — Explore Live Forecasts And Their Drivers
- **Scenario modeling** — Compare What-If Scenarios
- **Forecast-versus-actual tracking** — Track Forecast Accuracy Over Time
- **Predictive account risk scoring** — Surface At-Risk Accounts Earlier
- **ERP data integration** — Connect Forecasts To ERP Data

### [Workflows](https://tesorio.com/product/workflows)
*Product*
Automates finance processes across connected systems, reducing manual handoffs and standardizing approvals, escalations, and notifications.
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.

- **Visual workflow builder** — Build Finance Workflows Without Code
- **Cross-system orchestration** — Coordinate Actions Across Finance Systems
- **Conditional logic and branching** — Route Work Based On Business Rules
- **Pre-built workflow templates** — Launch Common Finance Automations Faster
- **Finance system integrations** — Connect Workflows To Existing Finance Tools
- **Approval and escalation automation** — Automate Approvals And Escalations
- **Workflow analytics and bottleneck visibility** — Track Workflow Activity And Bottlenecks
- **Workflow audit trail** — Maintain A Record Of Workflow Actions

### [Payment Portal](https://tesorio.com/product/payment-portal)
*Product*
Lets customers manage invoices and pay online independently, helping businesses reduce routine inquiries and accelerate collections.
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.

- **Customer invoice self-service** — Let Customers Manage Invoices Independently
- **Flexible payment options** — Accept ACH, Card, And Wire Payments
- **Payment plan requests** — Manage Payment Plan Requests In Tesorio
- **Dispute submission** — Route And Track Customer Disputes
- **Finance system integrations** — Connect Payments To Finance Systems
- **Branded portal experience** — Present A Branded Payment Experience
- **Recurring auto-pay** — Enable Recurring Auto-Pay
- **Payment activity tracking** — Track Customer Payment Activity
- **Payment receipts** — Send And Download Payment Receipts

### [Tesorio Pay](https://tesorio.com/product/tesorio-pay)
*Product*
Accepts card and ACH payments while managing payments, payouts, and reconciliation in one system to lower the cost of getting paid.
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.

- **Card and ACH payment processing** — Accept Card And ACH Payments
- **Payment and payout management** — Manage Payments And Payouts Together
- **Payment reconciliation** — Reconcile Payments In One System

### [AI Chat + MCP](https://tesorio.com/product/ai-chat-mcp)
*Product*
Provides trusted answers and connected finance workflows using live order-to-cash data, without building reports or switching between systems.
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.
- Categories: AI Assistant Software (https://nowen.ai/category/ai-assistant-software)

- **Live order-to-cash question answering** — Get Trusted Answers Faster
- **In-platform AI chat and analysis** — Analyze Data Inside Tesorio
- **External AI tool access** — Access Finance Data From AI Tools
- **Connected workflow actions** — Turn Answers Into Actions
- **Cross-system finance context** — Bring Finance Context Together
- **Permission-scoped data access** — Keep Access Within User Permissions

### [MCP Server](https://www.tesorio.com/product/mcp-server)
*Product*
Provides live order-to-cash answers and finance workflow actions through compatible AI assistants, without switching between tools.
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.

- **Built-in financial operations tools** — Query Key Finance Data
- **Custom workflow-driven actions** — Build Custom AI Actions
- **Live financial data access** — Get Live Finance Answers
- **Permission-scoped access and audit logging** — Enforce User Permissions
- **Connected finance stack access** — Access Connected Finance Systems
- **MCP client compatibility** — Connect Compatible AI Clients
- **Hosted MCP connectivity and authentication** — Connect Through Hosted MCP

### [AI Agent Studio](https://tesorio.com/product/ai-agents)
*Platform*
Automates routine finance and collections work so teams can focus on strategic accounts and exceptions.
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.
- Categories: AI Agent Platforms (https://nowen.ai/category/ai-agent-platforms)

- **Specialized finance agents** — Automate Routine Finance Work
- **Payment-promise extraction** — Extract Payment Promises
- **Routine task automation** — Handle Routine Collection Tasks
- **Response generation** — Generate Email Responses
- **Escalation detection** — Detect And Escalate Risks
- **Supplier portal management** — Manage Supplier Portals
- **Email classification** — Classify Finance Emails
- **Status tracking** — Track Collection Status
- **Learning from organizational data** — Learn From Finance Data

## Sources

- [Tesorio](https://tesorio.com)
- [AR Automation](https://www.tesorio.com/product/ar-automation)
- [Collections Agent](https://www.tesorio.com/product/collections)
- [Cash Application](https://www.tesorio.com/product/cash-application)
- [Supplier Portal Automation](https://www.tesorio.com/product/supplier-portal)
- [AR Forecasting](https://tesorio.com/product/forecasting)
- [Workflows](https://tesorio.com/product/workflows)
- [Payment Portal](https://tesorio.com/product/payment-portal)
- [Tesorio Pay](https://tesorio.com/product/tesorio-pay)
- [AI Chat + MCP](https://tesorio.com/product/ai-chat-mcp)
- [MCP Server](https://www.tesorio.com/product/mcp-server)
- [AI Agent Studio](https://tesorio.com/product/ai-agents)