Tallor
Human-in-the-loop AR agent

Turn overdue invoices into collected cash

Tallor pulls in every overdue invoice from your own finance inbox, reads the replies, and escalates only what a person needs to see.

Book a demo

Read-only ledger access

app.tallor.com/overview

Days sales outstanding

58 → 37

Agent activity

The problem

You already invoiced. The cash still sits there.

Chasing an overdue invoice is a dozen small jobs: check what is owed, write the email, read the reply, decide if it is a real dispute, remember to follow up. Nobody has time for all of it, so cash ages in a spreadsheet.

Scattered, overlapping alerts showing missed invoice follow-ups without Tallor
Signals arrive everywhere, get read by no one, and nothing happens.
Paired rows showing each missed invoice signal resolved by an action with Tallor
Every signal maps to an action — and a human sees only the exceptions.

Product demo

A friendly sixty second tour of what the agent actually does.

A narrated walkthrough of the real product — the risk-ranked ledger, agent-written drafts and their safety checks, reply classification and your autonomy controls. Turn the sound on, or follow the on-screen callouts.

app.tallor.com/the-problemnarrated walkthrough
Tallor product walkthrough preview

The problem · Overdue invoices, chased for you

Inside the product · for finance teams

The whole collections desk, on one screen.

Your cash position at the top, every open invoice below it, a log of what the agent did, and a queue of the few replies that still need you. That is the entire product.

Outstanding AR

$28,670

-18% vs. Jun

Days sales outstanding

37 days

-21 days since Feb

Automation rate

83%

of replies handled autonomously

Awaiting human review

3

oldest flagged 3 h ago

Open ledger

Synced from Stripe

  • Northwind Analytics

    AD-1042 · Step 3 of 5 — Firm reminder

    $4,800

  • Halcyon Media Group

    AD-1039 · Paused — wire claim

    $12,400

  • Peregrine Labs

    AD-1036 · Extension granted — 14 days

    $980

  • Cobalt Freight

    AD-1031 · Step 4 of 5 — Balance reminder

    $3,100
Sleeping steps 38Sends today 11Cancelled on payment 6Failures (7 d) 0

Audit trail

  • Payment received — sequence cancelled

    Verity Compliance paid AD-1028 ($2,150) via tokenized link

    12 min ago

  • Auto-sent from finance@yourcompany.com

    Orchard Dental Group · Step 2 follow-up · gate passed (3/3)

    4 h ago

  • Routed to human queue

    Halcyon Media Group claimed wire payment · dunning paused

    18 min ago

  • Extension granted autonomously

    Peregrine Labs · +14 days · sequence sleeping until Aug 14

    Yesterday

Human review queue

When a reply falls outside policy, a person decides.

Tallor labels the intent, shows why the gate failed, and hands you an editable draft. Nothing sends until you approve it.

Intent
manual payment claim
Confidence
0.97
Invoice
AD-1039 · $12,400

Inbound · Halcyon Media Group · 18 min ago

“We sent a bank wire for this yesterday afternoon — please check with your bank before sending more reminders.”

AI draft · editable before send

Thanks for confirming, Dana. I've paused reminders on AD-1039 while we trace the wire. If it hasn't landed by Friday I'll follow up with the reference number.

Invoice above $1,000 auto-send ceiling · wire claim requires bank verification

What it handles for you

Everything a collections analyst does, minus the copy-paste.

These are the six jobs Tallor takes off your desk. Each one used to be a person opening a spreadsheet, an inbox and an invoice at the same time.

Sends from your own inbox

Google Workspace OAuth means every chase lands in the same thread your customer already knows — not a no-reply domain.

Reply intent classification

Promise-to-pay, dispute, wire claim, out-of-office. Each inbound reply is labelled with a confidence score before anything is sent.

Durable dunning workflows

Sequences sleep for days, wake on schedule, and cancel themselves the moment a payment reconciles in Stripe.

Human review queue

Anything outside policy waits for a person, with the draft reply editable inline and the gate checklist shown in full.

One-click sequence pause

A customer says the wire is sent? Pause for five days from the review queue — no manual scheduling.

Complete audit trail

Every model decision, gate result and send is logged with its inputs, so finance can answer 'why did we email them?'

Under the hood · for technical evaluators

The collections runtime, end to end.

If you own the integration or the risk review, this is the whole system: nine components that turn an overdue invoice into collected cash. Scroll the path — each stage lights up as the agent hands off to the next. Not needed to buy, only to trust.

  1. 01 · Ingest

    Your ledger becomes the source of truth

    Stripe and QuickBooks connect with read-only scopes. Tallor pulls open invoices, balances and billing contacts on first sync, then keeps them current on every webhook — so the agent never chases an invoice that has already been paid.

    • read-only scopes
    • webhook-driven
    • 10 min setup

  2. 02 · Model

    One AR graph per customer, not a list of emails

    Invoices, ageing buckets, prior promises-to-pay, payment history and the right contact are normalised into a single account view. Every downstream decision reads from this graph, which is why drafts reference the correct amount, date and PO.

    • ageing buckets
    • contact resolution
    • payment history

  3. 03 · Schedule

    Durable sequences that sleep for days and wake on time

    Each overdue invoice gets a sequence with your cadence — day 3 nudge, day 10 firm, day 21 escalation. Timers are durable, so a deploy, restart or outage never drops a follow-up and never double-sends one.

    • exactly-once sends
    • your cadence
    • instant cancel on payment

  4. 04 · Draft

    Drafts grounded in the invoice, not in vibes

    The composer writes from retrieved facts: amount outstanding, days late, thread history and tone for that stage. No invented figures, no invented dates — every claim in the email traces back to a ledger field.

    • fact-grounded
    • stage-aware tone
    • thread continuity

  5. 05 · Govern

    Three gates run in code before anything leaves

    Amount ceiling, confidence floor and intent policy are evaluated deterministically — not by the model. An invoice above your ceiling, a classification under 0.95, or a dispute intent stops the send and opens a review item instead.

    • amount ceiling
    • confidence ≥ 0.95
    • intent allow-list

  6. 06 · Send

    It goes out from your finance inbox

    Delivery uses your own Google Workspace identity, so replies land in the thread your customer already knows and your domain reputation stays yours. If the OAuth token is ever revoked, sending pauses and the status pill asks you to reconnect.

    • your domain
    • real threads
    • fail-safe pause

  7. 07 · Understand

    Every reply is classified before it is acted on

    Inbound mail is read for intent — promise to pay, wire claim, invoice request, dispute, out-of-office — with a confidence score attached. Reconciled payments cancel the sequence instantly, ahead of any scheduled follow-up.

    • 6 intents
    • confidence scored
    • payment cancels sequence

  8. 08 · Resolve

    Routine outcomes close themselves, edge cases reach you

    Around 83% of replies resolve without a person: the agent acknowledges, reschedules or closes the sequence. Disputes, wire claims and anything low-confidence route to the review queue with the draft, the gate results and the full decision log attached.

    • 83% autonomous
    • one queue for exceptions
    • every action logged
agent runtimestage 01/08

tap a node to jump to its stage

Trust & control

An autonomous agent you can hand to your auditor.

Autonomy is a setting, not a promise. You choose the amount ceiling, the escalation cap and which intents always require a person.

Read-only ledger scopes

01

Stripe and QuickBooks connect with the narrowest scopes that still let us reconcile an invoice. Tallor can read your ledger; it can never move money in it.

Line illustration of a laptop connected to a locked padlock beside a read-only ledger

Policy gates before every send

02

Amount ceilings, tone limits and escalation caps are enforced in code, not in a prompt. Every gate has to pass before an email leaves your inbox.

Line illustration of a person reviewing a checklist with a shield before an email is sent

Fails safe, never silent

03

If OAuth expires, a reply looks ambiguous or a gate fails, the sequence stops and tells you. The agent never guesses its way through an edge case.

Line illustration of a person raising a hand to pause an automated sequence with an alert bell

FAQ

Questions finance teams ask first

Short answers on scope, control and impact. Anything deeper is a better conversation than a paragraph.

Ask us live

Tallor syncs your overdue invoices, sends follow-ups from your own finance inbox, reads and classifies every reply, and only escalates the exceptions a person needs to handle.

Only within the policy you set — amount ceilings, confidence floors and sequence limits. Anything outside those gates goes to the human review queue instead of sending.

Teams that keep routine follow-ups on schedule typically pull days sales outstanding down by weeks, because no invoice waits on someone remembering to chase it.

Get paid 21 days sooner, without hiring a collections team.

Connect your ledger, review the first few drafts, then let Tallor take the routine chasing off your desk.

Book a demo