How does the AI voice agent sound?

Our agents use state-of-the-art text-to-speech that sounds natural and professional. Try the interactive demo above and hear it for yourself. Emma will call your phone for a real conversation. The voice adapts its tone based on the situation: warm for friendly reminders, firm for escalations.

Does the AI disclose that it's not a human?

Yes, always. Our agents identify themselves as AI at the start of every call. This ensures full transparency, builds trust with your customers, and keeps you compliant with the EU AI Act and other regulations.

What happens if a customer disputes the invoice?

The agent is trained to handle objections professionally. It can acknowledge disputes, gather details about the disagreement, and escalate to your team when needed. Every interaction is logged with a full transcript so nothing gets lost.

How long does it take to get started?

Most teams are live within 24 hours, not the weeks of onboarding typical of AR platforms. Upload your invoices or connect your accounting software, configure your tone and escalation rules, and Emma begins recovering revenue the same day.

Absolutely. All data is encrypted in transit and at rest with AES-256 encryption. We are GDPR compliant and built on SOC 2 Type II and ISO 27001 certified infrastructure. Your customer data never leaves our secured European infrastructure.

Can I use Dunwise with my existing accounting software?

Yes. Dunwise integrates with popular accounting platforms and also accepts CSV and invoice uploads. A dedicated onboarding specialist ensures you're live and recovering revenue within 48 hours.

AI Debt Collection Software: 2025 Guide

In the world of B2B accounts receivable, the "email ignore" is a professional art form. Despite the rise of digital payment portals, more than half of all U.S. B2B invoiced sales are overdue, and the standard response, automated email reminders, often hits a wall of indifference.

For years, businesses had only two ways to break through: expensive manual phone calls from their AR team or the "nuclear option" of a third-party collection agency.

In 2025, a third path has emerged. AI debt collection software is bridging the gap, using conversational voice agents to handle the heavy lifting of first-party dunning with the persistence of a machine and the professionalism of a human.

Why 2025 is the Year of AI Voice in AR

The shift toward AI in accounts receivable isn't just about efficiency; it's about the fundamental failure of passive communication. While 80% of B2B transactions are expected to be digital by the end of 2025, the follow-up process remains stubbornly manual for 51% of companies.

This manual bottleneck is where cash flow dies. Here is why AI-powered voice is replacing the traditional dunning workflow:

1. The Coverage Gap

Manual AR teams naturally "cherry-pick." They focus on the $50,000 overdue invoice and ignore the fifty $500 invoices. Over time, those smaller balances accumulate into significant bad debt. AI debt collection software provides 100% coverage, calling every single overdue customer the moment they cross the due date, regardless of the invoice size.

2. Radical DSO Reduction

The impact on Days Sales Outstanding (DSO) is no longer theoretical. Recent industry studies show that companies implementing AI-powered AR workflows have seen a reduction in average DSO by six days or more, with some platforms achieving a 35% total reduction by removing preventable administrative delays.

3. Relationship-Preserving Persistence

Unlike traditional collection agencies that often use aggressive tactics to secure their significant contingency fee, first-party AI software acts as an extension of your own team. The agent uses a calibrated tone: a friendly nudge at 5 days, a firmer inquiry at 60 days. This ensures you get paid without burning the customer relationship.

Beyond the Reminder: Actionable AI Conversations

Modern AI debt collection software doesn't just "leave a message." It conducts a structured business conversation designed to extract a specific outcome.

Promise-to-Pay Capture: If a customer commits to paying on Friday, the AI logs that date as structured data and sets an automatic follow-up.
Dispute Identification: If the customer says, "I haven't paid because the last shipment was damaged," the AI identifies this as a dispute, logs the reason, and alerts your team to resolve the underlying issue.
Real-Time Payment Facilitation: During the call, the AI can trigger an SMS containing the original invoice or a direct payment link, allowing the customer to resolve the debt while they are still on the phone.

Compliance in the Age of AI

As AI voice becomes the standard, regulation is catching up. The EU AI Act and updated Dutch Wki (Wet kwaliteit incassodienstverlening) standards now require transparency.

High-quality AI debt collection software like Dunwise builds these safeguards directly into the workflow. This includes mandatory disclosure at the start of every call, letting the customer know they are speaking with an AI system, and maintaining an immutable audit trail of every interaction.

Moving from Passive to Proactive

If your current dunning strategy relies on emails that get archived and manual calls that never get made, you are leaving your cash flow to chance.

AI debt collection software turns accounts receivable from a reactive cost center into a proactive, automated engine. It ensures that every customer is contacted, every objection is heard, and every payment is chased, professionally, persistently, and at scale.

Ready to hear what the future of AR sounds like? Experience a Dunwise AI call for yourself here.