Best AI Voice Agents for B2B Collections Calls (2026)

Disclosure: Abivo is our product. Facts about other tools come from their own websites as of October 2026.

The short answer: If you are a North American B2B company with three or more people working A/R collections, or a high volume of routine past-due invoices, start with Abivo: its AI agent calls, texts and emails your customers in your brand and hands disputes back to your team. Large enterprises already running a full order-to-cash suite should look at HighRadius or Billtrust, which add calling tools for their own collectors. Small businesses on QuickBooks or Xero can compare Syntharra and AccountsReceivable.ai. Teams that want a general finance voice platform can look at Peakflo or HappyRobot, and teams with engineers who want to build their own agent can look at Retell AI.

Calling a business customer about an overdue invoice is not the same as calling a consumer about a debt. In B2B, the person who answers is usually in an accounts payable department, not the person who placed the order. The relationship continues after the invoice is paid, so tone matters. Many late payments are not refusals at all: the invoice is missing a PO number, it went to the wrong inbox, or someone on site disputes a line item. A good collections call has to name the right invoice, job or PO, record what the customer says, and route disputes to a person who can fix them. We left pricing out on purpose, since most vendors in this category quote it per account.

Comparison table

1. Abivo

Best for: North American B2B companies with three or more people on A/R collections, or with high volumes of routine past-due invoices.

What it does: Abivo's AI agent, Kate, calls, texts and emails your customers about overdue invoices in your brand, and you can change the agent's name. On each conversation Kate records promises to pay, disputes and next steps. When a customer raises a dispute, sends a sensitive reply, or asks to speak with a person, Kate hands it to your team.

Your team stays in control of how follow-up runs:

• Set the follow-up cadence per account or per customer segment.

• Pause follow-up on a single invoice without stopping the rest of the account.

• Flag accounts so sensitive replies go straight to a named owner.

• Reminders name the details AP departments need: job, site, PO and billing period.

• One message can cover all open invoices on an account, so customers are not hit with a call per invoice.

• Separate entities by subsidiary when you run more than one company.

Abivo follows up with customers in over 50 countries, works in any currency, and can follow up in French with customers who prefer it. It connects to QuickBooks, Xero and Chargebee, and accepts CSV uploads for other systems.

Consider it if: you want an AI agent that actually places the collections calls, not just a dialer for your collectors.

2. HighRadius

Best for: Mid-market and enterprise B2B finance teams that want collections inside a broader order-to-cash suite.

What it does: HighRadius describes its collections software as B2B collections software with a set of named agents. On the phone side, a Parallel Dialer "dials multiple customers simultaneously" for past-due coverage, and an in-app dialer lets collectors start calls with one click, with auto-transcription, a drafted follow-up email and automatic task creation for promises to pay and disputes. Its Virtual Call Attendant is an AI voice agent that answers inbound customer calls, captures payment commitments and disputes, and routes other queries to collectors. Outbound calls are placed by human collectors. Other channels include email, customer AP portals and payment links. ERPs named on the site include SAP, Oracle NetSuite, Microsoft Dynamics and Sage Intacct, with API integration for QuickBooks and Microsoft Business Central.

Consider it if: you have a large collections team that will keep making its own calls and wants AI around those calls.

3. Billtrust

Best for: B2B accounts receivable teams already running Billtrust Collections.

What it does: Billtrust's Agentic VoIP is a calling feature embedded in its Collections software. Billtrust positions it as "Human-led, AI-assisted": collectors place internet-based calls inside the Collections interface, while AI handles live transcription, flags commitments, and drafts a summary and next steps for the collector to review. The page states that it is not a replacement for collectors. Call data feeds the Collections Analytics dashboard, and industries named on the site include distributors, manufacturing, medical and transportation.

Consider it if: your collectors want help with call notes and follow-up, and you are not looking for an agent that calls on its own.

4. Peakflo

Best for: Finance teams that want AI voice calls as part of a wider set of finance automations.

What it does: Peakflo offers "Human-like AI Voice Agents" with Invoice Collection Calls listed as a use case, including outbound payment reminder calls triggered by due dates. Other channels named on the page are email, WhatsApp and Slack, and the agents can speak in multiple languages and dialects. The page lists target industries such as logistics, healthcare, IT services, e-commerce, insurance, and food and beverage. Integrations named include NetSuite, QuickBooks, Xero, SAP, Microsoft Dynamics 365 Business Central and a public API.

Consider it if: you also want voice agents for other finance or customer calls, beyond collections.

5. AccountsReceivable.ai

Best for: SMB to mid-market finance teams that invoice from QuickBooks, Xero or NetSuite.

What it does: AccountsReceivable.ai runs a dunning sequence across email, SMS and "live AI phone calls." Its own example shows an email on day one, a text on day seven, and a call on day fourteen that "opens the conversation, answers questions and records a promise-to-pay date." The site has plans for single-entity SMBs through multi-entity mid-market businesses, and industry pages for construction, staffing, manufacturing and SaaS. It names QuickBooks, Xero and NetSuite with two-way sync, and works on top of your existing invoicing.

Consider it if: you want a fixed email, text and call sequence on top of your accounting system.

6. Syntharra

Best for: Small businesses that want overdue invoices chased by phone.

What it does: Syntharra describes itself as "AI voice agents that recover overdue invoices for small businesses." Its AI agent, Ara, places outbound calls on behalf of your business and can leave a voicemail. Customers also get text messages with a payment link and a branded self-service payment portal. Testimonials come from trades, healthcare, professional services and auto repair. Integrations named are QuickBooks Online, Xero, FreshBooks, Square, Zoho Books, Jobber and Stripe Connect.

Consider it if: you are a small business owner who wants calls handled without building a collections process up front.

7. Chaser

Best for: Businesses that want automated reminder calls as one step in a multi-channel chasing sequence.

What it does: Chaser's Auto-call feature schedules automated phone calls that deliver "pre-scripted payment reminders" using text-to-speech. You write the call template and choose when calls go out, and calls sit alongside email and SMS reminders in one sequence. The site also lists in-app calling, letters and a customer payment portal. Integrations named include Xero, QuickBooks Online, Sage, NetSuite, Microsoft Dynamics 365 Business Central and Stripe, plus CRMs such as HubSpot and Salesforce.

Consider it if: a scripted reminder call is enough, and you do not need the call to hold a two-way conversation.

8. HappyRobot

Best for: Enterprises building AI workers across finance operations.

What it does: HappyRobot's finance page describes AI workers that "run daily outbound collections," including verifying identity, presenting invoices, answering questions and capturing payment commitments. Collections run "across voice, email, and messaging." The page focuses on enterprise customers and says AI workers integrate with ERP and billing systems, without naming products.

Consider it if: you want one AI platform for many finance workflows, with collections as one of them.

9. Monk

Best for: B2B finance teams that want phone follow-up inside automated collections playbooks.

What it does: Monk's platform lists voice and email as current channels, with WhatsApp marked coming soon. Its Voice Collections workflow is opt-in: Monk places calls from a dedicated number "when a playbook needs phone follow-up," and the same number takes customer callbacks about invoices, payments or bank verification. The phone agent is read-only, answering questions and routing next steps, and call history appears in Collections next to email follow-ups and invoice context. Industries listed include manufacturing, logistics, staffing and distribution. No specific integrations are named on the pages we read.

Consider it if: you want calls and callbacks tied closely to an email-led collections playbook.

10. Retell AI

Best for: Teams with engineering resources that want to build and run their own AI phone agent.

What it does: Retell AI is a platform to "build, test and deploy AI phone agents," with a collections use case for software companies. The agent calls overdue accounts from a queue, states the balance from your ledger, takes a promise to pay, routes disputes to a person, makes pre-due courtesy calls, and logs each outcome. You can build it yourself on the API or have Retell's team build it. Its debt collection page lists B2B collections as one segment, though most of that page addresses consumer collections. Integrations named include Salesforce, HubSpot, Zendesk, Twilio, Genesys, Five9 and Zapier.

Consider it if: you prefer to build and maintain your own collections agent rather than buy a finished product.

How to choose

• Who places the call. Decide whether you want an AI agent that holds the conversation, a dialer that makes your collectors faster, or a scripted reminder call. The table above separates these.

• Invoice detail on the call. B2B customers pay faster when the reminder names the job, site, PO or billing period. Ask each vendor to show a call that references these details.

• Dispute handoff. Check what happens when a customer disputes a charge or asks for a person. The dispute should reach the right owner on your team with the context already recorded.

• Control per account. Look for cadence by account or segment, the ability to pause a single invoice, and a way to flag key accounts so replies go to a named owner.

• Fit with your systems. Confirm the tool connects to your accounting or billing system, or accepts a CSV, and that it handles your entities, currencies and languages.

FAQ

Can an AI agent call our customers about overdue invoices? Yes. Several tools on this list, including Abivo, place outbound calls with an AI agent that talks to your customer's AP contact, references the open invoices, and records the outcome. Others, like HighRadius and Billtrust, focus on helping your own collectors make calls.

Will AI calls hurt customer relationships? Not if the calls sound like your company and know when to step back. With Abivo, Kate follows up in your brand, can cover all open invoices on an account in one message, and hands disputes, sensitive replies or requests for a person straight to your team.

What happens when a customer disputes an invoice on the call? With Abivo, Kate records the dispute and next steps and hands it to your team, so a person who knows the account can resolve it. You can also flag accounts so sensitive replies always go to a named owner.

Do we need to replace our accounting system to use an AI calling agent? Usually not. Abivo connects to QuickBooks, Xero and Chargebee, and accepts CSV for other systems, so your invoices stay where they are and Kate works from them.