Billtrust, a leading provider of accounts receivable (AR) automation and payment software, has unveiled Collections Agentic Procedures, a new AI-driven capability that replaces traditional, rules-based collection workflows with adaptive, learning-based outreach strategies.
Rather than following a static script, the system uses network-wide behavioral data to analyze buyer payment patterns and recommend the most effective engagement strategy for each segment—right down to timing, frequency, and communication channel.
The result? Collections teams get a precision tool for accelerating cash recovery while reducing customer friction and manual workload.
“This isn’t incremental automation—it’s a new standard for intelligent collections,” said Lee An Schommer, Chief Product Officer at Billtrust. “We’re helping finance teams reduce manual workloads while driving materially higher recovery rates. It’s where efficiency meets empathy.”
From Static Playbooks to Adaptive Intelligence
At the heart of the new feature is Billtrust Insights360, an embedded AI layer that analyzes data from across the Billtrust platform—covering invoicing, payments, cash application, credit, and collections. By tapping into Billtrust’s proprietary AR dataset, Insights360 provides a secure, closed-loop intelligence system that fuels smarter, data-driven decisions without exposing customer data externally.
The AI doesn’t just automate—it adapts. As it processes more interactions, it continuously learns which outreach strategies yield the best results for specific buyer segments, minimizing wasted effort and customer contact fatigue.
Key business benefits include:
- Higher recovery rates via data-driven, personalized outreach.
- Improved customer experience through reduced over-contact.
- Future-proof scalability that adjusts dynamically with portfolio growth.
IDC’s Kevin Permenter, Research Director for Financial Applications, noted that Billtrust’s AI strategy stands out for its practical focus:
“Billtrust is taking a thoughtful, mature approach to applying AI across its AR platform. They’re focusing on actionable intelligence that brings data to the point of action for finance teams.”
Agentic AI: From Emails to End-to-End Automation
Collections Agentic Procedures extends Billtrust’s growing suite of Agentic AI tools—software agents that make autonomous decisions within AR workflows. It builds on Agentic Email, already used by 94% of Billtrust customers, which automates and personalizes collection communications.
Together, these tools are forming what could be the most comprehensive AI-powered collections ecosystem in the B2B finance space.
While most competitors focus on predictive analytics or workflow automation, Billtrust’s agentic approach goes a step further—infusing behavioral context and adaptive logic into every customer interaction. It’s a signal that the next frontier in fintech automation isn’t just about efficiency; it’s about intelligence that learns how to collect smarter.
The Bigger Picture
In an era where late payments and cash flow volatility can cripple supply chains, tools like Agentic Procedures could redefine how enterprises manage risk and liquidity. With finance departments under pressure to do more with less, adaptive AI systems are shifting from “nice-to-have” to “must-have.”
And for Billtrust—a company that has long branded itself as the operating system for B2B payments—this move cements its role not just as an automation vendor, but as an AI intelligence layer for enterprise finance.
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