AR automation the practice runs across every client sales ledger from invoice to allocation.
Let AI Agent run your AR
Generate invoices
"Generate this period's invoices for this client in Xero across recurring contracts, retainers and project milestones. Apply the latest agreed pricing, tax codes, project codes and customer payment terms, and pull supporting documentation from the project file. For project-based clients, check milestone evidence in the practice's shared folder before raising the invoice. If a contract has lapsed or pricing has changed since last period, ask me whether to invoice on the prior terms or to pause for senior review. Pause before issuing any invoice that breaches the agreed materiality. Ask me where the practice stores customer contracts. Save a note for the practice manager listing invoices issued, queued for review and customers awaiting fresh contracts."
Maintain master data
"Maintain customer master data for this client in QuickBooks. Compare each active customer record against the most recent invoice, contract and bank receipt for stale registered addresses, expired VAT numbers, outdated payment terms and inactive contact records. For any inconsistency, draft a customer outreach using the practice's template and send through the agreed channel for confirmation. If a master record change would affect tax or credit terms, ask me before posting the update. Pause before changing a customer's payment terms. Ask me where the practice stores its customer onboarding policy. Save a note for the practice manager listing records updated, in flight with the customer and items awaiting senior review."
Allocate cash
"Allocate this period's cash receipts to open invoices for this client in Sage 50. Read receipts from the bank feed, match each receipt to one or more open invoices using customer name, reference and amount, and post the allocation against the sales ledger. For partial payments, allocate against the oldest invoice unless the customer has specified otherwise on the remittance. Flag over-payments and unidentified receipts to the practice's unallocated cash account. If a receipt sits unallocated past the agreed tolerance window, ask me before referring to the senior. Pause before clearing an unallocated balance. Save a note for the practice manager listing matched, partial, over-paid and unallocated receipts for the period."
Match remittances
"Match remittance advice to allocations for this client in FreeAgent. Pull remittance advice from the customer mailbox in Gmail, the customer portal and the bank feed, and tie each remittance to the cash allocation already posted. Where the remittance lists discounts taken, deductions, retentions or set-offs the customer has applied, post the adjusting entry against the relevant invoice and update the open balance. If a remittance lists a deduction the customer has not agreed in writing, ask me whether to dispute or to accept. Pause before accepting any unilateral deduction above the agreed threshold. Save a note for the practice manager listing reconciled remittances, deductions accepted and queries for the senior to review."
Up to 80% lower cost to serve per client
Sales ledger, statement chase, allocations and disputes stop landing on staff one debtor at a time. The AI Agents repeat receivables work across the book, which is where the up to 80% lower cost to serve comes from, with manager review held over write-offs and bad-debt calls.
AR that learns each customer's billing rules
Every customer has its own quirks: who signs off invoices, what reference goes on the remittance, what deductions are pre-agreed, what gets a credit note. Minded learns each customer's pattern and applies it consistently. Tie this to collections with AI so the sales-ledger motion and credit control share a single picture of every customer.
One AR flow across Xero, QuickBooks, Sage 50 and FreeAgent
A real practice runs AR for clients on Xero, QuickBooks, Sage 50 and FreeAgent. The same invoice, master-data, allocation and matching motion runs natively in every ledger. See revenue recognition with AI and GL coding with AI for adjacent ledger work.
How is this different from Chaser, Satago or HighRadius?
Chaser and Satago focus on chasing single-company invoices. HighRadius and Versapay target enterprise order-to-cash. Minded sits at practice scale, running the sales-ledger motion across many client books: invoice creation, master data, allocation and remittance matching, with collections handled in a separate but adjacent flow.
How does the agent generate recurring and project invoices?
Recurring invoices are generated on the agreed schedule per customer contract: monthly subscriptions, quarterly retainers and milestone-based project bills. The agent applies the latest pricing, tax codes and project codes, then routes the invoice through the practice's review flow before issuing to the customer.
What does cash allocation look like with bank-feed remittance?
The agent reads cash receipts from the bank feed, matches each receipt to one or more open invoices using customer name, reference and amount, and posts the allocation. Partial payments and over-payments are flagged with the supporting reference, and the senior reviews any unallocated receipt after a short tolerance period.
How does the agent maintain accurate customer master data?
The agent watches for inconsistencies between the customer master and the invoice details: stale registered addresses, expired VAT numbers, outdated payment terms or contact records. Where a record needs refreshing, the customer is contacted with the practice's template and the master is updated after a senior reviews the change.
How are credit notes, refunds and write-offs handled?
Credit notes are generated when a dispute is settled, a return is logged or a billing error is found, and tied to the original invoice. Refunds are prepared as a payment instruction back to the customer through the agreed channel. Write-offs pause for partner sign-off before posting.