AxyoAxyoAccounts Receivable Request a demo
Accounts receivable

Spot slow payers early, before they become bad debt

Axyo applies every payment to the right invoices, and warns you early about short pays and customers paying slower.

Get your free Receivables AssessmentHow it works
Days sales outstanding (DSO)Illustrative

A B2B supplier with about $250M in revenue

Today48.6 days
$8.2Mpast your terms today
$2.9Mof working capital freed with Axyo

 

What caused it
7 in 10North American businesses are paid late by B2B customers1
18 daysDSO gap between top and median performers at the largest U.S. companies2
26%of B2B payments are still made by check3
35%of mid-sized firms still run accounts receivable entirely by hand4
Where cash gets stuck

Every late dollar sits in one of three places

In the sample business, $8.2M sits past its terms. Sample business · illustrative

Unapplied cash$1.24M1.9 days of DSOThe money is in the bank, but no one can tell yet which invoices it pays.What Axyo does Short pays and deductions$716K1.1 days of DSOThe customer paid less than the invoice. The reason sits in the order or the delivery.What Axyo does Past due$6.25M9.6 days of DSOSome customers are just slow. Others are running short of cash.What Axyo does
Why it happens
Why now

Customers pay later, and payments are harder to read

DSO is moving the wrong way

DSO worsened for a second straight year at the largest U.S. companies.2

Payments arrive without remittance

Checks are down to 26% of B2B payments. ACH, card and portal payments usually send the remittance separately.3

Wires now carry invoice details

Fedwire moved to ISO 20022 on July 14, 2025, so wires can carry structured remittance, if your systems read it.5

Fraudsters go after the payment

Business email compromise cost U.S. victims $3.05B in 2025, often with fake bank details.6

Estimate

Estimate what slow receivables cost your business

Set your revenue and adjust the assumptions. Your free assessment uses your real numbers.

$250M
$20M$2B
Assumptions

Days past terms are DSO minus best possible DSO, valued at a day of credit sales. Working capital freed and yearly savings are shown separately, not added together.7

Stuck past your terms$8.2M12.6 days of credit sales
Working capital freed with Axyo$2.9M4.4 fewer days of DSO
Saved every year$453KLess interest, $215K, and less bad debt
Why it happensGet your own numbers, free
Why it happens

Every late dollar has a reason

Seven in 10 North American businesses are paid late by B2B customers.1 Some of it is the customer’s cash. Much of it is remittance, payers, proof and follow-up, which you can fix.

What your current tools miss

Each one helps. None links payers, remittance, deliveries and payment behavior in one place.

Sees itPartlyMisses it

More than collecting faster

A close that doesn’t wait

Payments applied the morning they arrive, so month-end isn’t held up by unapplied cash.

No past-due notices to paid customers

Reminders stop on their own when a customer has paid, disputes an invoice or promises to pay.

Credit that grows with good customers

Reliable payers get higher limits, so they can buy more from you.

What Axyo doesSee a sample assessment
What Axyo does

A warning with the fix, wherever cash gets stuck

Axyo monitors every payment, short pay and customer continuously. Routine work runs within your rules, and the right person gets every decision, with what it’s worth.

Your rules, your call

Axyo recommends, and your team accepts or overrides. Routine work, like posting high-confidence matches and sending reminders, can run on autopilot within your rules. Credit holds, limit changes, write-offs and collections referrals always go to a person.8

SettingsExample
ActionHow it runsApplies to
Post a matchRecommendAutopilot95% confidence or more
Send remindersRecommendAutopilotYour sequence, all customers
Bill back a late discountRecommendAutopilotUnder $1,000
Hold new ordersRecommendAutopilotDecided by a person
Warn me above$25,000
Post automatically at95% confidence
Watch customers paying10+ days slower
Who gets which warningCash applicationCollectionsCredit
How it worksSee a sample assessment
See it work

A sample Receivables Assessment

Three answers, about a week after you send three files. Illustrative

Last 90 days$8.2Mstuck past your terms, 12.6 days of salesBiggest cause: customers short of cash, $4.1MSee where it sits Next 12 months$2.9Mof working capital you can free, and $453K a year savedMost to free: past due, $1.5MSee what you can free As of today4 cases$2.4M at risk, most urgent firstAct first on: unapplied cash, within 2 daysSee today's cases
How it works

From your data to every payment applied, and every warning

Each layer builds on the one before it.

Next: Get started
Get started

Start with a free Receivables Assessment

Results in about a week, live matching and warnings from week two.

Day 1Files

Send open invoices, your customer list and 90 days of bank transactions. See the list

Week 1Results

Every payment from the last 90 days matched again, your match rate, the days stuck by cause, and today’s cases.

Week 2Review

Go over the results with Axyo, and agree on your auto-post level and rules.

Week 2 onLive

Matches post to your ERP, reminders follow your sequence, and warnings go to each owner.

To agree on in the first meeting
  • Which bank accounts and remittance channels to start with
  • Your auto-post confidence level
  • Your reminder sequence, and who signs each step
  • Credit hold, write-off and collections rules, and who decides each one
  • Your dollar threshold for warnings
  • How approved matches are written back to your ERP

Annual subscription, billed monthly, cancel anytime. The assessment shows the payback before you commit.

Get your free Receivables AssessmentRequest a demo

How success is measured

We agree the baseline first, using standard credit and collections measures.10

MeasureWhat it tracksGoal
Days sales outstanding (DSO)How long it takes to collect, on averageDown
Average days delinquentDSO minus best possible DSO: the days past termsDown
Collection Effectiveness Index (CEI)How much of what was due was collectedUp
Auto-match ratePayments applied with no person, by count and by valueUp
Unapplied cashPayments in the bank, not yet appliedDown
Deduction days outstandingHow long short pays stay openDown
Bad debtWrite-offs, as a share of credit salesDown
The national median, from the Credit Research Foundation10
37.5 daysmedian DSO34.0 daysmedian best possible DSO79%median Collection Effectiveness Index

Who benefits

Each team gets what it needs from the same matches and warnings.

Frequently asked questions

We’ve built this before, at enterprise scale

Fortune 100payments company where our founders built the risk, data and customer 360 platforms
1,000+key risk indicators monitored there
Hoursfrom signal to alert
30+data and AI patents held by our founders

See it in your business.

Send three files. In about a week, see who paid what, your match rate on the last 90 days, and where your cash is stuck.

Get your free assessmentRequest a demoSee a sample
Sources and notes
  1. 1
    Atradius Payment Practices Barometer, North America 2026, a survey of more than 600 businesses in the U.S., Canada and Mexico, published Sep 16, 2026: late payment affects seven in ten companies; overdue invoices average 23% of B2B receivables, mostly settled within a month of the due date. Source
  2. 2
    The Hackett Group, 2025 U.S. Working Capital Survey, Aug 18, 2025, covering the 1,000 largest U.S. publicly traded nonfinancial companies: DSO worsened for a second straight year, and receivables are the largest share of excess working capital, driven by an 18-day DSO gap between top and median performers. Source
  3. 3
    Association for Financial Professionals, 2025 AFP Digital Payments Survey: checks account for 26% of B2B payments in the U.S. and Canada, down from 33% in 2022 and 81% in 2004. Source
  4. 4
    PYMNTS Intelligence, From Friction to Flow: AR Automation in 2025, June 2025: 35% of mid-sized firms continue to rely entirely on manual accounts receivable processes. Source
  5. 5
    Federal Reserve Financial Services: the Fedwire Funds Service moved to ISO 20022 on July 14, 2025. The format supports structured remittance information. Source
  6. 6
    FBI Internet Crime Complaint Center (IC3), 2025 Internet Crime Report, April 2026: business email compromise losses of $3,046,598,558 across 24,768 complaints. Source
  7. 7
    The sample business in Axyo’s value model: about $250M in revenue, 95% sold on credit ($650,685 of credit sales a day), DSO of 48.6 days against a best possible DSO of 36.0 days. The 12.6 days past terms, $8.2M, split into unapplied cash ($1.24M, 1.9 days), short pays and deductions ($716K, 1.1 days) and past due ($6.25M, 9.6 days). Axyo is assumed to cut 35% of the days past terms (4.4 days, $2.87M of working capital) and to help prevent 25% of bad debt (0.4% of credit sales), with interest at 7.5% a year. Working capital freed and yearly savings are shown separately, never added together.
  8. 8
    Credit decisions stay with your team. Regulation B under the Equal Credit Opportunity Act also covers business credit, including notice of adverse action. Regulation B
  9. 9
    Standards the matching attributes follow: the Nacha ACH record formats (company name and company ID in the batch header, the identification number and trace number on each entry, CCD+ and CTX addenda carrying EDI 820 remittance); ISO 20022 payment messages (debtor, ultimate debtor, structured remittance and the end-to-end ID); the ASC X12 820 remittance with its adjustment details, and the 810 invoice and 856 ship notice; the MICR line on checks; and Level 2 and Level 3 card data. Nacha · ISO 20022 · ASC X12
  10. 10
    Credit Research Foundation, National Summary of Domestic Trade Receivables, second quarter of 2026 (independent median calculations): DSO 37.50 days, best possible DSO 34.00 days, average days delinquent 3.70 days, Collection Effectiveness Index 79.35. Source
  11. 11
    The sample business, its customers, payments, cases and amounts are illustrative: fictional, with realistic patterns. Your assessment uses your own data and external signals.
Illustrative examples11