Turn revenue into cash faster

AI agents that manage your accounts receivable and debt collections, chasing customers proactively so that you get paid faster and manage risks.

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Faster Collections.Lower Escalations.10X Outreach

Zippy turns outstanding invoices into cash faster with timely, personalised follow-up, so fewer payments slip through the cracks and DSO comes down.

Collections workspace Agent running

Collections

3 overdue · AED 214,000 outstanding

Run AI Collections

By customer Activity All invoices

CustomerAmountStatusCalledEmailedRemarks

ABC Trading AED 82k Promised Yes Yes Promise to pay Monday

Falcon LLC AED 46k Disputed Yes Yes PO mismatch, sent to finance

Nova Ltd AED 31k Contacting No Yes Awaiting reply since 09:40

Meridian FZE AED 55k Current No No Reminder scheduled for Thursday

Orion Trading AED 68k Promised Yes Yes Cheque banked Tuesday

Delta Marine AED 27k Contacting Yes No Second reminder sent

Zenith FZC AED 92k Disputed Yes Yes Short payment, credit note raised

Harbour Group AED 19k Current No Yes Reminder queued for Monday

What happened today

09:12 — Reminder emailed to ABC Trading for INV-0138 10:04 — Call answered, promise to pay AED 82,000 on Monday 11:37 — Falcon LLC raised a PO mismatch, routed to finance

Falcon LLC PO issue

INV-0142 · AED 46,000 · 12 days overdue

Reminder sent by email, day 3

Customer replied: the PO number is wrong

Escalated to finance for correction

How Zippy helps

01Stay on top of your receivablesNever miss a follow-up again. Every customer account, due date and promise to pay tracked. Every dispute or deduction investigated, all in one place.

OVERDUE BALANCE · 8 WEEKS ↓ 30%vs week 1

↓DSO↓Ageing↑Collections

W1W2W3W4W5W6W7W8

Without Zippy With Zippy

50 of 50 invoices due followed up today Today

02Automate collections chasingYour own Digital Collections Agent, doing personalised outreach across email, calls and messages 24×7, with your supervision.

Email Call SMS WhatsApp English · Arabic · Hindi

01:42

Transcript

ZippyHello, this is Zippy calling from Gulf Trade about invoice INV-0138. Do you have a moment?

CustomerYes. We will release AED 82,000 on Monday.

ZippyRecorded. I will confirm on Monday and follow up if it has not landed.

✓Promise captured · AED 82,000 · Monday · INV-0138

03Proactive not reactive risk mitigationPredict collection delays before they happen and reduce bad debts. Zippy learns each customer’s behaviour and delay patterns.

CUSTOMER DELAY WATCH LISTHighWatchOn track

CustomerRiskDueRemarkAction

Acme Limited−2 daysNo response to remindersCall now

Falcon LLC−1 dayPDC on fileEncash PDC

Nova LtdTodayNo replyEmail reminder

Meridian FZE+3 daysThis amount disputedWhatsApp nudge

ABC Trading+7 daysPromised FridayWait

Drive savings within months

Annual credit sales{{ vSales }}

Average days outstanding (DSO){{ vDso }}

Headcount chasing invoices{{ vHeads }}

Working capital unlockedReduce DSO and collect unpaid invoices faster{{ vCash }}

Financing cost savedCost of capital of 10% on working capital unlocked{{ vFinance }}

Administrative savings40-50% of collecting and AR team capacity unlocked{{ vAdmin }}

A better way to collect

See what changes when Zippy takes care of routine follow-up and your team focuses on exceptions.

Without Zippy

With Zippy

Without ZippyAR team follows up through guesswork — inconsistent tracking.

With ZippyEvery account scored and ranked by risk. Your team reviews a prioritised worklist each morning.

Without ZippySame template, same channel, every customer. Outreach gets ignored.

With ZippyZippy picks the channel and the message from how that customer has actually responded.

Without ZippyYou find out an account is at risk when it is already 90 days out.

With ZippyRisk signals surface accounts long before they age out.

Without ZippyCollectors spend the day on manual follow-ups instead of relationships.

With ZippyZippy carries the volume. Your team carries the 5%–10% accounts that need judgement.

From first reminder to payment.

1Invoice becomes dueZippy follows up by email, WhatsApp or phone, on your policy.

INVOICES DUE50 of 50 followed up

INV-0138ABC Trading8 Jul

INV-0142Falcon LLC8 Jul

INV-0155Nova Ltd9 Jul

INV-0161Meridian FZE9 Jul

2Customer respondsZippy reads whether it is a promise, dispute or deduction.

WHAT CAME BACK

Promise to pay27

Dispute17

Deduction6

Every reply is classified and routed — no collector reads it first.

3Zippy updates the accountIt records the outcome and writes it back to your ERP.

ACCOUNT UPDATEDFalcon LLC

Status→ Promise to pay

PromiseAED 82,000 · Monday

Next actionConfirm Monday

Written toSAP · timeline

Synced to your ERP

4Cash reaches the bankPayments are matched and reconciled against the invoice.

CASH RECONCILED

INV-0138AED 82,000 Matched

INV-0142AED 46,000 Matched

Received todayAED 128,000

Add an intelligence layer to whatever systems or workflows you have

WHERE THE DATA LIVES

ERPSAP · Oracle · NetSuite

Accounting toolsQuickBooks · Xero · Tally

Manual trackersAgeing sheets, collector notes

Invoice dumpsPDFs, scans, statements

Customer recordsContacts, terms, credit limits

Human importsWhatever finance emails over

zippy One collections brain, reading, deciding and acting

TOUCHPOINTS

EmailReminders and replies

CallsPayment status, promises

MessagesWhatsApp follow-ups

Your customers

Runs on top of the finance stack you already use

NetSuite

Microsoft Dynamics

Tally

Questions finance teams ask

Have another question? We will walk through it with you in a demo.

How does Zippy decide which accounts to contact first? ⌄

Every open account is scored on payment history, ageing, behaviour and risk signals. The accounts most likely to slip surface at the top of the queue. Customers who reliably pay inside a predictable window are deprioritised, so nobody spends the morning chasing an invoice that was always going to land.

How does Zippy reduce DSO? ⌄

Payments stall for predictable reasons: slow responses, missed follow-ups and unresolved billing questions. Zippy answers customers immediately, follows up on schedule and tracks every commitment, including promise-to-pay dates, so issues are resolved as they arise instead of weeks later. Every reply is handled, every follow-up happens on time, and no invoice is left waiting in an inbox.

Does Zippy send outreach on its own, or does my team approve it? ⌄

You set the level. Zippy drafts the email, queues the call with a talk track, writes the WhatsApp message and generates the payment link. Autonomy is configurable per channel and per customer segment. Most teams start with review on everything, then hand over the low-risk accounts once they trust the output.

How do I track and control what the agents do? ⌄

Every agent action and customer interaction is logged and auditable. Your team follows performance through live views of invoice data, customer tables, ageing reports and DSO trends, so it is always clear what the agents are doing, how conversations are moving collections, and where a person needs to step in. Agents work inside the rules and AR policies you define.

How long does implementation take? ⌄

Two to five days for most customers. Zippy connects to the ERP, email, phone and messaging systems you already run. No data migration, no workflow rebuild, no IT project.

Which systems does Zippy connect to? ⌄

On the finance side: SAP, Oracle, NetSuite, Microsoft Dynamics, Sage, QuickBooks, Xero, Zoho and Tally. For outreach: Gmail, Outlook, WhatsApp, and major telephony providers. Calls, messages and emails all run through your own systems, and we add integrations regularly.

How is this different from traditional collections software? ⌄

Legacy tools run static workflows, rule-based prioritisation and single-channel dunning. Zippy learns from what actually happened: which message got a reply, whether a call beat a text for a given customer, what timing produced payment. It improves every week rather than only when someone edits a rule.

Can Zippy handle multiple entities and currencies? ⌄

Yes. Collections run across entities, currencies and customer hierarchies. Parent-child relationships, shared payment terms and cross-entity balances are handled out of the box.

What does the learning loop actually change? ⌄

Every outcome feeds back in: replies, payments, broken promises, escalation results. Contact strategies sharpen over time, response rates rise, and fewer accounts need a human because more of them resolve on their own.

Will Zippy replace my collectors? ⌄

No. Zippy takes the repetitive, high-volume chasing. Your collectors keep the strategic accounts, the relationships and the negotiations that need judgement, and they get through more because the busywork is gone.

Security finance teams can sign off on

Your receivables data stays yours.

01.

AES-256 encryption

Encrypted at rest and in transit, every record, every message.

02.

Instant data deletion

Ask, and your data is gone. No retention lag, no copies left behind.

03.

Zero PII access

Nobody at Zippy can see your customers’ personal data, and it is never used to train models.

zippy

Stop chasing payments. Let Zippy collect them

Reduce outstanding invoices and missed collections. Zippy pays for itself several times over within one month.

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