# Modern > Modern is the AI accounts receivable coworker for order-to-cash. It works every customer and invoice (collections, cash application, payments, disputes and deductions) inside your ERP and controls, so finance teams turn more of their booked revenue into cash, and runs any scheduled or triggered finance job across your connected apps, with approvals and a full audit trail. Live in days, with cash flowing. Modern is operated by Modern Technologies, Inc. Book a demo: https://www.getmodern.ai/get-a-demo/. Value calculator: https://www.getmodern.ai/value-calculator/. ## Results - 40% more cash collected: turn more of your booked revenue into cash. - 47% lower DSO: invoices get paid sooner, so cash lands days earlier. - 60% of AR team cost freed up five weeks after go-live. - Live in days, with cash flowing. Nothing is ripped out: Modern plugs into existing ERPs, CRMs, banks and payment systems. ## How Modern works - **Gets the work done**: Modern calls, emails and texts customers, works AP portals and applies cash, moving thousands of invoices forward at once, around the clock. - **Remembers every customer**: Modern learns how each customer pays and keeps that history on hand from order to cash. - **Sticks to your rules**: Modern operates inside your systems and approval rules, and checks with you before it tries anything new. Each action goes in the audit log. ## Collections URL: https://www.getmodern.ai/collections/ Take 47% off your DSO. Modern chases every account through to payment: who to reach, what to say, which channel fits, and when to check back. Thousands of accounts in parallel, day and night. ### Gets you paid and keeps the customer - **Any channel, any language**: Modern phones, texts and emails customers, handles their portals, and replies in their language on the channel they like. - **Keeps the relationship warm**: Modern knows when to chase, when to ease off, when to try another approach, and when a person should step in, so you get paid without losing the customer. - **Stays inside the rules you set**: You set who Modern reaches out to, how often, through which channels, and what needs sign-off. Modern works within those limits and checks with you before trying anything new. ### From first signal to paid invoice - **Triage**: Modern ranks every open account and flags the few that need a look, so your team only gets involved where judgment counts. The customer who reliably pays on day 25? Modern doesn't bother them. - **Reach out**: Modern phones, texts and emails. The message, timing and escalation shift with each reply. Approve outreach first, or let Modern work within your rules. - **Record**: Every call, email, text, portal check, promise-to-pay and missed promise, logged in one place. No one has to ask “Has anyone chased this?” again. - **Learn**: Modern picks up what works with each customer: the channel that gets a reply, the timing that lands, the messages that move things along. Each interaction sharpens the next. ### Fits the stack you already run Live in days. Modern plugs into your ERP, CRM, banks and payment systems, and your stack stays exactly as it is. Sensitive data gets encrypted and tokenized, with an audit trail on every action. ### FAQ **How does Modern decide which accounts to chase first?** Modern scores each open account on payment history, aging, payment behavior and risk signals. The riskiest accounts rise to the top, and customers who reliably pay in a predictable window are left alone. **Does Modern send outreach itself, or does my team approve it first?** It's your call, set by channel and by customer segment. Most teams begin by reviewing everything, then let Modern run on its own for lower-risk accounts as trust builds. **How long until we're live?** Most teams go live within days, connecting Modern to the ERP, email, phone and SMS systems you already use. Nothing to migrate, no workflows to rebuild, no IT project. **Which ERPs and communication tools does Modern connect to?** NetSuite, SAP, Oracle, Microsoft Dynamics and Sage, plus Gmail, Outlook, Salesforce and the big phone and SMS providers. Every call, text and email goes out through your current systems. **Does Modern replace my collections team?** No. Modern takes on the repetitive, high-volume chasing so your team can spend its time on key accounts, relationships, and the negotiations that need a person. ## Cash application URL: https://www.getmodern.ai/cash-application/ Automate 95% of your cash application. Modern matches each payment to its invoices, clears the messy exceptions, and gets cash posted in your ERP same-day. ### Messy remittance in. Clean ledger out. - **Handles any remittance you throw at it**: Bank data, lockbox files, PDFs, emails, spreadsheets, portal exports. Modern stitches the full picture together, even when the remittance turns up apart from the payment. - **Clears exceptions before they reach your team**: Modern digs into mismatches, finds the missing context and settles what it can by itself. Your team only sees the cases that really need a judgement call. - **Posts today’s cash today**: Once Modern knows where a payment belongs, it applies the cash and posts it to the ERP, so this morning’s deposits don’t become next week’s reconciliation. ### From payment received to cash applied - **Receive**: Modern picks up both the payment and the paperwork. Money arrives through bank feeds, lockboxes and card gateways, and Modern reads remittance wherever it lands, structured or not. - **Match**: Short-pays, overpayments, split payments, deductions, multi-entity, multi-currency. Modern resolves what it can itself, and the rest land with your team already researched. - **Post**: Same-day posts into your ERP. No overnight batch jobs, no hand-keyed journal entries. - **Learn**: Tell Modern once and it remembers. Each exception your team resolves sets how Modern handles the next, so match rates keep rising. ### Minus the long enterprise rollout Within days Modern hooks into your ERP, lockboxes, bank feeds and payment gateways. It runs within your controls, records every action, and tokenizes and encrypts sensitive data with keys you own. ### FAQ **What does Modern do with partial payments and short-pays?** Modern spots partial payments, ties them to the right invoices based on the customer's history and how they usually pay, and clears the common exceptions automatically. Anything left reaches your team with context attached. **Which ERPs does Modern connect to?** NetSuite, SAP, Oracle, Microsoft Dynamics and Sage, plus the major banks, lockbox providers and payment gateways. We add new ones often. **How long until we're live?** Most teams go live within days. Modern connects to the ERP you already run. Nothing to migrate, no long onboarding, no IT project. **What happens to exceptions Modern can’t resolve?** They're routed to your team with the payment details, the customer's history and a suggested next step. Your team decides once, and Modern applies that decision next time. **Will Modern replace our ERP?** No. Modern works alongside your ERP. It reads from your current system and posts back into it. Nothing to rip out. ## Payments URL: https://www.getmodern.ai/payments/ B2B payments, one click from every invoice. Modern gives every customer the payment option that suits them, sends each payment down the rail that protects your margin, and ties it back to its invoice automatically. ### Your rails stay put. Modern does the routing. - **Bring the processors you run today**: Modern routes payments across your current providers. You're never locked in. - **Customers keep their usual payment methods**: Card, ACH, wire and check all stay on the menu. - **Your books stay in sync**: Each payment posts to your ERP and AR ledger. No cleanup afterwards. ### From invoice to cash, in one loop - **Send**: Every reminder carries a way to pay. Modern adds a pay link to each email, text and post-call follow-up, so customers can pay right away. Nobody has to look up bank details or a remit-to address. - **Pay**: Customers pick ACH or card, pay on a secure hosted page, and get confirmation straight away. - **Route**: Modern sends each payment through the processor that fits the customer's preferred method and your cost, moving more volume away from 2.5–3.5% card interchange. - **Match**: Every Modern payment arrives already knowing its invoice. Each link is scoped to that invoice, so the cash is matched and posted as soon as it lands. ### Minus the long enterprise rollout Card data stays with PCI-compliant processors and is never stored by Modern. Everything is encrypted at rest and in transit, sign-in runs through SSO/SAML, and every payment is logged, so money only goes where it should. Our SOC 2 audit is underway. ### FAQ **Which payment methods can customers use?** ACH and card. Buyers use whichever method suits their AP process, and Modern tracks which one each customer prefers. **How do customers pay an invoice?** Any collections email or text can include a pay link tied to the exact invoices it covers. A single click opens a hosted checkout where the customer pays by ACH or card and is confirmed instantly. **How does Modern protect against payment fraud?** Payee and bank details are verified and held on Modern’s side, so no sensitive details travel in emails or PDFs. Every payment goes to the verified account, which shuts out invoice-swap fraud. **How does Modern cut our card processing costs?** Card interchange costs 2.5% to 3.5%. On a thin-margin order, that can exceed the profit on the sale. Modern nudges the payment mix and steers volume toward cheaper rails like ACH. **What if a payment fails?** Returned ACH payments, NSFs and card declines each restart collection. Retries are part of the collections cadence, which means a failed payment is picked up by the follow-up sequence already running. ## Disputes & deductions URL: https://www.getmodern.ai/disputes-and-deductions/ Resolve disputes 80% faster. Modern logs every deduction and dispute, gathers the paperwork behind it, and has the case built before your team goes looking. ### Modern shows up with the receipts - **No claim gets lost in an inbox**: Modern picks up deductions and disputes wherever they come in, links each to the invoice it belongs to, and sorts it by your reason codes. - **Bad claims get challenged**: Modern checks each customer claim against the contracts, pricing and delivery records you hold, so invalid deductions come forward with the proof your team needs to push back. - **No more hunting through email threads**: Modern reads every email thread tied to a claim and extracts every invoice, contract, BOL, POD and other attachment, so the whole file sits in one place. ### From claim to closed - **Receive**: Modern picks up deductions and disputes wherever they come in, links each to the invoice it belongs to, and sorts it by your reason codes. - **Investigate**: Modern reads the email thread on each claim, gathers the invoices, contracts, BOLs and PODs in one place, and tests the claim against your records. - **Resolve**: Valid claims get cleared. Invalid ones come back with the proof to contest them, and tricky cases reach your team with a suggested next step. - **Learn**: Modern records the root cause of every dispute, from wrong pricing and missing paperwork to repeat deductions, and applies it going forward so the same issue doesn't return. ### Minus the long enterprise rollout Modern plugs into your ERP and is working through your deduction and dispute history within days. Nothing to migrate, no reason-code mapping exercise, and every action, document and decision goes in the log. ### FAQ **How is a deduction different from a dispute?** A deduction is an amount a customer holds back from what they pay. A dispute is a charge they're challenging. Both count as contested AR, and Modern logs, sorts and settles either kind. **How does Modern classify each deduction and dispute?** Modern reads email, remittances, bank files and customer portals, then files each item under a category: pricing variance, trade promotion, shortage, freight, damaged goods, quality issues, late delivery or duplicate billing. **Does Modern tie claims back to source documents?** Yes. Modern checks each claim against its contracts, pricing agreements, BOLs and PODs. If the claim holds up, Modern resolves it. If it doesn’t, Modern flags the mismatch and assembles the contest package. **What does Modern's audit trail record?** Each action, document and decision is timestamped in the log. When auditors, compliance or a customer ask what happened, the answer is a click away. **Will Modern replace my AR team?** No. Modern takes on evidence collection, paperwork and the simple resolutions. Your team keeps the hard negotiations and the cases where the relationship matters most. ## Security URL: https://www.getmodern.ai/security/ ### FAQ **What is Modern Vault?** Vault is Modern's privacy layer for AR data: it tokenizes and encrypts sensitive PII in an isolated store above the platform. You own the keys, set access, and can erase all your data at once by revoking the key. **How do Vault Standard and Vault BYOK differ?** With Vault Standard, Modern manages the keys and you get the isolated store and tokenization. With Vault BYOK, you supply your own keys and keep full data sovereignty, and not even Modern’s engineers can read your PII. **How does Vault handle data deletion?** Once you revoke your encryption key, every tokenized record is permanently unreadable, immediately and in every system. Nothing to scrub by hand, and a deletion certificate is issued for your compliance records. **How does this compare with standard SOC 2 encryption?** A SOC 2 report shows a vendor encrypts data, yet the keys stay with the vendor. Vault puts key ownership with you, so you control the whole data lifecycle. You stop taking your vendor’s word for it and check for yourself. **Will Vault make Modern slower?** No. The isolated store and tokenization layer are part of the platform’s core, not an add-on. Encryption and decryption run in real time and don’t affect match speed, posting time or how the app feels. **Which industries get the most from Vault?** Healthcare billing teams, financial services firms with strict audit requirements, and any AR team that handles regulated customer data. More broadly, any finance team with tight privacy rules. ## Integrations URL: https://www.getmodern.ai/integrations/ Modern connects to the ERP, banks and payment rails you already run. It submits invoices to 600+ AP portals and connects to custom or homegrown ERPs through APIs, SFTP and flat files. Live in days, with cash flowing. ### Xero URL: https://www.getmodern.ai/integrations/xero/ Category: ERP & accounting Sync Xero invoices and contacts, and post matched payments straight back. Modern connects to Xero to read open invoices and contacts and records payments back, so finance teams can automate collections and cash application without changing how they keep their books. What Modern does with Xero: - Read open invoices, due dates and contact balances from Xero. - Record matched payments back against the right invoices under your approval rules. - Sync contacts and billing emails, so reminders reach the right person. - Keep a log of every reminder, reply and payment in the audit trail. Setup: 1. Connect Xero: Your admin authorizes Modern through Xero's API with OAuth or scoped API credentials. Where API access isn't available, Modern works from scheduled SFTP or flat-file exports instead. 2. Map your receivables: Modern maps your customers, open invoices, credits and payment terms. You review the mapping and the rules Modern will follow before anything runs. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### QuickBooks URL: https://www.getmodern.ai/integrations/quickbooks/ Category: ERP & accounting Connect QuickBooks Online in minutes and start collecting the same week. Modern connects to QuickBooks Online to read open invoices and customers and records payments back, so growing finance teams can automate collections without changing their books. What Modern does with QuickBooks: - Read open invoices, due dates and customer balances from QuickBooks Online. - Record matched payments back against the right invoices under your approval rules. - Sync customers and billing contacts, so reminders reach the right person. - Keep a log of every reminder, reply and payment in the audit trail. Setup: 1. Connect QuickBooks: Your admin authorizes Modern through QuickBooks's API with OAuth or scoped API credentials. Where API access isn't available, Modern works from scheduled SFTP or flat-file exports instead. 2. Map your receivables: Modern maps your customers, open invoices, credits and payment terms. You review the mapping and the rules Modern will follow before anything runs. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### NetSuite URL: https://www.getmodern.ai/integrations/netsuite/ Category: ERP & accounting Sync invoices, customers and payments both ways, so AR and the GL always match. Modern connects to NetSuite to read open invoices, customers and payments, and writes applied cash and collection activity back, so AR and the general ledger stay in step. What Modern does with NetSuite: - Read open invoices, aging and payment terms from NetSuite, so every follow-up starts from the current balance. - Post applied cash and payment matches back to NetSuite under your approval rules. - Sync customer records and billing contacts, so outreach reaches the right person. - Write notes and collection activity against the customer record for a complete audit trail. Setup: 1. Connect NetSuite: Your admin authorizes Modern through NetSuite's API with OAuth or scoped API credentials. Where API access isn't available, Modern works from scheduled SFTP or flat-file exports instead. 2. Map your receivables: Modern maps your customers, open invoices, credits and payment terms. You review the mapping and the rules Modern will follow before anything runs. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### SAP URL: https://www.getmodern.ai/integrations/sap/ Category: ERP & accounting Read open items from S/4HANA or ECC and post applied cash back automatically. Modern connects to SAP S/4HANA or ECC to read open items and customer data, then posts applied cash back, so your receivables in SAP reflect what has actually been collected. What Modern does with SAP: - Read open items, aging and payment terms from S/4HANA or ECC. - Post applied cash and clearing details back to SAP once matches are approved. - Sync customer master data and AR contacts, so outreach reaches the right person. - Record notes and collection activity, with every action logged in the audit trail. Setup: 1. Connect SAP: Your admin authorizes Modern through SAP's API with OAuth or scoped API credentials. Where API access isn't available, Modern works from scheduled SFTP or flat-file exports instead. 2. Map your receivables: Modern maps your customers, open invoices, credits and payment terms. You review the mapping and the rules Modern will follow before anything runs. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Oracle URL: https://www.getmodern.ai/integrations/oracle/ Category: ERP & accounting Pull receivables from Oracle Fusion or EBS and write matched cash back. Modern connects to Oracle Fusion Cloud or E-Business Suite to pull receivables and customer data, and writes matched cash back, so collections and cash application work from the ledger's numbers. What Modern does with Oracle: - Pull open receivables, aging and payment terms from Oracle Fusion or EBS. - Write matched cash and receipt applications back to Oracle under your approval rules. - Sync customer accounts and billing contacts for accurate outreach. - Log notes and collection activity against each customer, with a full audit trail. Setup: 1. Connect Oracle: Your admin authorizes Modern through Oracle's API with OAuth or scoped API credentials. Where API access isn't available, Modern works from scheduled SFTP or flat-file exports instead. 2. Map your receivables: Modern maps your customers, open invoices, credits and payment terms. You review the mapping and the rules Modern will follow before anything runs. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Microsoft Dynamics 365 URL: https://www.getmodern.ai/integrations/microsoft-dynamics-365/ Category: ERP & accounting Keep Business Central and Finance in step with every reminder and payment. Modern connects to Dynamics 365 Business Central and Finance to read open invoices and customers, and writes payments and collection activity back, so every reminder matches the ledger. What Modern does with Microsoft Dynamics 365: - Read open invoices, aging and payment terms from Business Central or Finance. - Post applied payments back to Dynamics 365 once matches are approved. - Sync customers and billing contacts, so reminders reach the right person. - Write notes and collection activity back against the customer record. Setup: 1. Connect Microsoft Dynamics 365: Your admin authorizes Modern through Microsoft Dynamics 365's API with OAuth or scoped API credentials. Where API access isn't available, Modern works from scheduled SFTP or flat-file exports instead. 2. Map your receivables: Modern maps your customers, open invoices, credits and payment terms. You review the mapping and the rules Modern will follow before anything runs. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Sage URL: https://www.getmodern.ai/integrations/sage/ Category: ERP & accounting Sage Intacct and X3 invoices flow in. Matched payments flow back. Modern connects to Sage Intacct and Sage X3 to bring open invoices and customers in, and sends matched payments back, so AR in Sage stays current without manual entry. What Modern does with Sage: - Read open invoices, aging and payment terms from Sage Intacct or X3. - Send matched payments back to Sage once they are approved. - Sync customers and billing contacts for accurate outreach. - Write notes and collection activity back, with every action logged. Setup: 1. Connect Sage: Your admin authorizes Modern through Sage's API with OAuth or scoped API credentials. Where API access isn't available, Modern works from scheduled SFTP or flat-file exports instead. 2. Map your receivables: Modern maps your customers, open invoices, credits and payment terms. You review the mapping and the rules Modern will follow before anything runs. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Stripe URL: https://www.getmodern.ai/integrations/stripe/ Category: Payments Offer card and ACH on every invoice and reconcile payouts automatically. Modern connects to Stripe so customers can pay invoices by card or ACH, and reconciles Stripe payouts back to the invoices they settle. What Modern does with Stripe: - Add card and ACH payment options to invoices and reminders. - Read Stripe payments, payouts, fees and refunds as they happen. - Match each payout to the invoices it settles and post applied cash to your ERP. - Flag failed or disputed payments for follow-up, with every step logged. Setup: 1. Connect Stripe: Your admin connects your Stripe account to Modern with OAuth or scoped API keys. Customers pay through the options on their invoices and reminders, with nothing to install. 2. Map your receivables: Modern maps payments, payouts and fees to customers and open invoices, and you choose which payment options appear on which invoices. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Plaid URL: https://www.getmodern.ai/integrations/plaid/ Category: Payments Verify customer bank accounts instantly for faster, lower-cost ACH. Modern uses Plaid to verify customer bank accounts when they choose to pay by ACH, so bank payments start faster and fail less often than with manually keyed details. What Modern does with Plaid: - Let customers verify their bank account in a few steps when they pay by ACH. - Cut manual entry of account details and the payment failures it causes. - Match each ACH payment to open invoices and post it to your ERP. Setup: 1. Connect Plaid: Your admin connects your Plaid account to Modern with OAuth or scoped API keys. Customers pay through the options on their invoices and reminders, with nothing to install. 2. Map your receivables: Modern maps payments, payouts and fees to customers and open invoices, and you choose which payment options appear on which invoices. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Chase URL: https://www.getmodern.ai/integrations/chase/ Category: Banking Read deposits and remittances from Chase to apply cash without keying. Modern reads deposits and remittance detail from your Chase accounts and matches each payment to open invoices, so cash is applied without anyone keying it in. What Modern does with Chase: - Read deposits, ACH and wire receipts from the Chase accounts you choose. - Capture remittance detail and match each payment to the right open invoices. - Route short payments and unidentified cash for review instead of guessing. - Pass approved matches to your ERP for posting, with every match logged. Setup: 1. Connect Chase: Your treasury team authorizes a bank connection to the Chase accounts you choose, through an API or a scheduled SFTP file feed. Access is limited to the accounts and data you select. 2. Map your receivables: Modern maps receipts and remittance formats to your customers and open invoices, and you set the rules for exceptions such as short-pays and unidentified cash. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Salesforce URL: https://www.getmodern.ai/integrations/salesforce/ Category: CRM & field service Show account owners live AR status and log every touchpoint on the account. Modern connects to Salesforce to show account owners live AR status and logs every collections touchpoint on the account, so sales and finance work from the same picture. What Modern does with Salesforce: - Show open balances, overdue invoices and payment promises on the Salesforce account. - Log every email, call and payment update as activity on the account. - Read account owners and contacts, so escalations reach the right person. - Give account teams a heads-up before they speak to a customer with overdue invoices. Setup: 1. Connect Salesforce: Your admin authorizes Modern through Salesforce's API with OAuth or scoped API credentials, and can revoke access at any time. 2. Map your receivables: Modern maps accounts and contacts to the customers in your ERP, so AR status and activity land on the right record. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Kyriba URL: https://www.getmodern.ai/integrations/kyriba/ Category: Treasury Feed collected cash and expected receipts straight into your cash position. Modern feeds collected cash and expected receipts into Kyriba, so treasury's cash position reflects what AR knows today, including payment promises still to land. What Modern does with Kyriba: - Send collected cash to Kyriba as payments are matched. - Share expected receipts and payment promises for cash forecasting. - Keep AR and treasury on the same numbers without spreadsheet hand-offs. Setup: 1. Connect Kyriba: Your treasury team connects Kyriba to Modern through its API or a scheduled SFTP file exchange, scoped to the data Modern needs to share. 2. Map your receivables: Modern maps collected cash and expected receipts to your entities, accounts and currencies, and you choose how often they are sent. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Outlook URL: https://www.getmodern.ai/integrations/outlook/ Category: Communication Send follow-ups from your own domain and keep every thread in one inbox. Modern sends collections follow-ups from your own Outlook mailbox and domain, and keeps every customer thread in one inbox, so customers hear from your team, not a no-reply address. What Modern does with Outlook: - Send reminders and follow-ups from your own Outlook mailbox and domain. - Read customer replies, payment promises and remittance emails as they arrive. - Keep every thread together and logged against the customer. - Follow your rules on who is contacted, how often and what needs approval first. Setup: 1. Connect Outlook: Your admin authorizes Modern through Outlook's API with OAuth and scoped permissions, and can revoke access at any time. 2. Map your receivables: You choose the mailboxes or channels Modern uses, and set the rules for who is contacted, how often and what needs approval first. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### HubSpot URL: https://www.getmodern.ai/integrations/hubspot/ Category: CRM & field service Put live AR status on every HubSpot company and log each touchpoint. Modern connects to HubSpot to put live AR status on each company record and logs every collections touchpoint as activity, so the people who own the relationship see what finance sees. What Modern does with HubSpot: - Show open balances and overdue invoices on HubSpot company records. - Log reminders, calls and payment updates as activity on the company. - Read company owners and contacts, so escalations reach the right person. Setup: 1. Connect HubSpot: Your admin authorizes Modern through HubSpot's API with OAuth or scoped API credentials, and can revoke access at any time. 2. Map your receivables: Modern maps accounts and contacts to the customers in your ERP, so AR status and activity land on the right record. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Wells Fargo URL: https://www.getmodern.ai/integrations/wells-fargo/ Category: Banking Pull deposits and remittance detail from Wells Fargo to match cash to invoices. Modern reads deposits and remittance detail from your Wells Fargo accounts and matches each payment to open invoices, so cash application keeps pace with what lands in the bank. What Modern does with Wells Fargo: - Read deposits, ACH and wire receipts from the Wells Fargo accounts you choose. - Capture remittance detail and match each payment to the right open invoices. - Route short payments and unidentified cash for review. - Pass approved matches to your ERP for posting, with every match logged. Setup: 1. Connect Wells Fargo: Your treasury team authorizes a bank connection to the Wells Fargo accounts you choose, through an API or a scheduled SFTP file feed. Access is limited to the accounts and data you select. 2. Map your receivables: Modern maps receipts and remittance formats to your customers and open invoices, and you set the rules for exceptions such as short-pays and unidentified cash. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Citi URL: https://www.getmodern.ai/integrations/citi/ Category: Banking Read receipts from Citi accounts and match them to open invoices automatically. Modern reads receipts and remittance detail from your Citi accounts and matches them to open invoices, so cash is applied across entities without manual keying. What Modern does with Citi: - Read receipts from the Citi accounts you choose, across entities. - Capture remittance detail and match each payment to the right open invoices. - Route short payments and unidentified cash for review. - Pass approved matches to your ERP for posting, with every match logged. Setup: 1. Connect Citi: Your treasury team authorizes a bank connection to the Citi accounts you choose, through an API or a scheduled SFTP file feed. Access is limited to the accounts and data you select. 2. Map your receivables: Modern maps receipts and remittance formats to your customers and open invoices, and you set the rules for exceptions such as short-pays and unidentified cash. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### PayPal URL: https://www.getmodern.ai/integrations/paypal/ Category: Payments Let customers pay with PayPal and reconcile each payment to its invoice. Modern connects to PayPal so customers can settle invoices the way they prefer, and reconciles each PayPal payment back to the invoice it pays. What Modern does with PayPal: - Offer PayPal as a payment option on invoices and reminders. - Read PayPal payments, fees and refunds as they happen. - Match each payment to the invoice it settles and post applied cash to your ERP. Setup: 1. Connect PayPal: Your admin connects your PayPal account to Modern with OAuth or scoped API keys. Customers pay through the options on their invoices and reminders, with nothing to install. 2. Map your receivables: Modern maps payments, payouts and fees to customers and open invoices, and you choose which payment options appear on which invoices. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Gmail URL: https://www.getmodern.ai/integrations/gmail/ Category: Communication Send reminders from your Google Workspace mailbox and capture every reply. Modern sends collections reminders from your Google Workspace mailbox and captures every customer reply, so follow-ups come from your team and nothing gets lost in an inbox. What Modern does with Gmail: - Send reminders and follow-ups from your own Gmail mailbox and domain. - Read customer replies, payment promises and remittance emails as they arrive. - Keep every thread together and logged against the customer. - Follow your rules on who is contacted, how often and what needs approval first. Setup: 1. Connect Gmail: Your admin authorizes Modern through Gmail's API with OAuth and scoped permissions, and can revoke access at any time. 2. Map your receivables: You choose the mailboxes or channels Modern uses, and set the rules for who is contacted, how often and what needs approval first. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### ServiceTitan URL: https://www.getmodern.ai/integrations/servicetitan/ Category: CRM & field service Read completed jobs and invoices from ServiceTitan and follow up until paid. Modern connects to ServiceTitan to read completed jobs and invoices and follows up with customers until they are paid, so field service revenue turns into cash sooner. What Modern does with ServiceTitan: - Read completed jobs, invoices and customer contacts from ServiceTitan. - Follow up on unpaid invoices by email, text and phone under your rules. - Log every touchpoint and payment update against the customer. Setup: 1. Connect ServiceTitan: Your admin authorizes Modern through ServiceTitan's API with OAuth or scoped API credentials, and can revoke access at any time. 2. Map your receivables: Modern maps accounts and contacts to the customers in your ERP, so AR status and activity land on the right record. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Microsoft Teams URL: https://www.getmodern.ai/integrations/microsoft-teams/ Category: Communication Post approval requests and account updates to the Teams channels you use. Modern posts approval requests and account updates to the Microsoft Teams channels your finance team already works in, so decisions happen where the team is. What Modern does with Microsoft Teams: - Post approval requests to the Teams channels you choose before Modern does anything new. - Share account updates such as payment promises, disputes and escalations. - Keep a record of every request and decision in the audit trail. Setup: 1. Connect Microsoft Teams: Your admin authorizes Modern through Microsoft Teams's API with OAuth and scoped permissions, and can revoke access at any time. 2. Map your receivables: You choose the mailboxes or channels Modern uses, and set the rules for who is contacted, how often and what needs approval first. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ### Workday URL: https://www.getmodern.ai/integrations/workday/ Category: HR & finance Read customer invoices from Workday Financials and post applied cash back. Modern connects to Workday Financial Management to read customer invoices and balances, and posts applied cash back, so collections and cash application run on Workday's numbers. What Modern does with Workday: - Read customer invoices, balances and payment terms from Workday Financials. - Post applied cash back to Workday under your approval rules. - Sync customers and billing contacts for accurate outreach. - Log notes and collection activity, with every action in the audit trail. Setup: 1. Connect Workday: Your admin authorizes Modern through Workday's API with credentials scoped to receivables data, or shares a scheduled SFTP export instead. 2. Map your receivables: Modern maps your customers, open invoices, credits and payment terms. You review the mapping and the rules Modern will follow before anything runs. 3. Go live in days: Modern starts working under the rules and approvals you set, with every action logged in the audit trail, and cash starts flowing soon after. ## Modern vs Tabs URL: https://www.getmodern.ai/compare/modern-vs-tabs/ Tabs gets the invoice out. Modern gets it paid.. Most AR tools stop once the invoice is sent. Modern runs what comes next: AP portal submissions, disputes, collections, and inbound and outbound playbooks. Revenue becomes cash, and 88.7% of collections close without manual follow-up. | Feature | Modern | Tabs | | --- | --- | --- | | Collections outreach | ✓ Account-aware, every channel | ✗ Not core to the product | | AP portal submissions | ✓ 600+ AP portals | ✗ Not supported | | Usage-based billing | ✓ Overages, arrears, split billing | ✓ Built in, a strength | | Revenue recognition | ✓ Via Automations | ✓ Built in | | DSO reduction | ✓ 40% average | ✗ Not core to the product | | Fits your current billing stack | ✓ Yes, Tabs included | ✗ Becomes your billing stack | | Go-live timeline | ✓ Days, not months | ✗ Typically 5+ months | Tabs keeps the record. Modern chases the cash. - **Real collections automation isn't a mail merge**: No identical email on day 30, 45 and 60. Modern’s playbooks respond to each reply: a dispute gets escalated, a promise to pay holds the follow-ups. - **AP portals don't submit themselves**: If a customer insists on Coupa or Ariba, the invoice sits until someone logs in by hand. Modern submits to 600+ AP portals for you. - **No one person can chase 5,000 accounts**: Modern runs collections at volume, so one person covers the workload that once needed three. ### FAQ **What is Modern?** Modern is an AI accounts receivable coworker that runs your order-to-cash, from signed contract to collected cash, with real-time tracking and policy-bound workflows. We focus on building dependable AR agents on frontier models that act with precision and leave a full audit trail. **What does the Modern platform cost?** Pricing is based on your business volume. Book a demo for a quote. **How soon will I see results?** Most customers see results in the first week. Go-live takes days, depending on your setup and how many systems we integrate. **What does going live with Modern take from my team?** Legacy AR tools hand you the work. We take it on and show results in days. A pilot usually needs about 1 hour of your team's time. Every customer is assigned a dedicated engineer, an implementation specialist, an agent specialist and support. **What's the best way to get started?** Begin with a pilot. Connect your systems, set your rules, and see results in the first week. Book a demo to scope it. **Which businesses is Modern built for?** Modern works with B2B companies across industries, from fast-growing finance teams to large enterprise AR functions. **How does Modern use my data?** Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you. ## Modern vs Sequence URL: https://www.getmodern.ai/compare/modern-vs-sequence/ Sequence bills your customers. Modern makes sure they pay.. Sequence is designed for quote-to-cash work like CPQ, contracts, metered usage and revenue recognition. Modern starts where billing ends and converts revenue into cash with 600+ AP portals, inbound and outbound playbooks, cash application and forecasts based on real collections data. Many teams use both. | Feature | Modern | Sequence | | --- | --- | --- | | Collections outreach | ✓ Account-aware, every channel | ✗ Dunning reminders only | | AP portal submissions | ✓ 600+ AP portals | ✗ Not supported | | CPQ and quoting | ✓ Via Automations | ✓ Built in, a strength | | Revenue recognition (ASC 606) | ✓ Via Automations | ✓ Built in | | DSO reduction | ✓ 40% average | ✗ Not a headline metric | | Fits your current billing stack | ✓ Yes, Sequence included | ✗ Becomes your billing stack | | Pricing and setup | ✓ Live in days, no setup fee | ✗ Months to roll out fully | Sequence ends at the invoice. Modern takes it from there. Many teams use both. - **Invoicing isn't collecting**: Sequence automates the invoices going out. Modern automates the cash coming back, with playbooks set by customer tier that read each reply and take the next step. 90% of collections resolve with no manual touch. - **AP portals sit outside billing**: If a customer pays via Ariba, Coupa or Tipalti, the money never passes through your billing system. Modern takes care of the portal submission work that Sequence doesn't reach. - **Keep Sequence, add Modern**: Modern plugs into Sequence from day one. Your billing setup stays as it is, and collections run on top. ### FAQ **What is Modern?** Modern is an AI accounts receivable coworker that runs your order-to-cash, from signed contract to collected cash, with real-time tracking and policy-bound workflows. We focus on building dependable AR agents on frontier models that act with precision and leave a full audit trail. **What does the Modern platform cost?** Pricing is based on your business volume. Book a demo for a quote. **How soon will I see results?** Most customers see results in the first week. Go-live takes days, depending on your setup and how many systems we integrate. **What does going live with Modern take from my team?** Legacy AR tools hand you the work. We take it on and show results in days. A pilot usually needs about 1 hour of your team's time. Every customer is assigned a dedicated engineer, an implementation specialist, an agent specialist and support. **What's the best way to get started?** Begin with a pilot. Connect your systems, set your rules, and see results in the first week. Book a demo to scope it. **Which businesses is Modern built for?** Modern works with B2B companies across industries, from fast-growing finance teams to large enterprise AR functions. **How does Modern use my data?** Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you. ## Modern vs Invoice Butler URL: https://www.getmodern.ai/compare/modern-vs-invoice-butler/ Invoice Butler runs AR for you. Modern is AR software you own.. Invoice Butler provides managed AR services. Modern is software your finance team runs and owns: playbooks you set, forecasts built on your own collections data, and insight that stays in your systems. Revenue becomes cash on your terms. | Feature | Modern | Invoice Butler | | --- | --- | --- | | Collections outreach | ✓ Software you control | ✓ Run as a service | | AP portal submissions | ✓ 600+ AP portals | ✓ Coupa, Ariba and Tipalti | | Live ERP integration | ✓ Built in, real time | ✗ Read-only access to billing | | DSO reporting and analytics | ✓ Complete AR analytics | ✗ Basic reporting | | Control over playbooks and rules | ✓ Fully configurable | ✗ Set by provider | | Cash application | ✓ AI payment matching | ✗ Not offered | | Designed around | ✓ Customer relationships, in your stack | ✗ A human service team | Invoice Butler works on your behalf. Modern works inside your stack. - **Software you own vs. a service you outsource**: Invoice Butler does the work, but the underlying data and control sit with them. Modern is software your team operates, with full visibility into each outreach, portal submission and payment status. - **Deeper ERP data, sharper collections**: Modern reads your ERP and CRM in real time. Each message draws on payment history, customer tier, contract terms and any open disputes. - **DSO you can report on**: Modern provides dashboards and rolling cash forecasts built on your own collections data. Give leadership a clear view of where AR stands today and where cash will be next month. ### FAQ **What is Modern?** Modern is an AI accounts receivable coworker that runs your order-to-cash, from signed contract to collected cash, with real-time tracking and policy-bound workflows. We focus on building dependable AR agents on frontier models that act with precision and leave a full audit trail. **What does the Modern platform cost?** Pricing is based on your business volume. Book a demo for a quote. **How soon will I see results?** Most customers see results in the first week. Go-live takes days, depending on your setup and how many systems we integrate. **What does going live with Modern take from my team?** Legacy AR tools hand you the work. We take it on and show results in days. A pilot usually needs about 1 hour of your team's time. Every customer is assigned a dedicated engineer, an implementation specialist, an agent specialist and support. **What's the best way to get started?** Begin with a pilot. Connect your systems, set your rules, and see results in the first week. Book a demo to scope it. **Which businesses is Modern built for?** Modern works with B2B companies across industries, from fast-growing finance teams to large enterprise AR functions. **How does Modern use my data?** Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you. ## Modern vs HighRadius URL: https://www.getmodern.ai/compare/modern-vs-highradius/ HighRadius can take a year to roll out. Modern goes live in days.. HighRadius is strong AR software, but deployments often take 6-12 months and need a dedicated AR team to operate. Modern has collections live for enterprise and fast-growing finance teams before the quarter ends: running in days, with 90% of collections resolved without manual work, built on LLMs from the start. | Feature | Modern | HighRadius | | --- | --- | --- | | Time to first live collections | ✓ Days, not months | ✗ 6-12 months typical | | Pricing & fees | ✓ No setup fee, no cut of collections | ✗ Long contracts + setup fees | | Designed around | ✓ Customer relationships | ✗ The ledger | | AR staff needed to run it | ✓ None added | ✗ Requires a dedicated team | | DSO reduction | ✓ 40% average | ✗ Not a headline metric | | Release cadence | ✓ Weekly releases | ✗ Quarterly releases | | Fits your current billing stack | ✓ Layers on top | ✗ Replaces your AR stack | HighRadius suggests and hands off to a person. Modern acts, within your rules. - **Designed around relationships, not the ledger**: HighRadius earns trust through control: recommendations, routing and human sign-off. Modern earns it through accuracy, with a deterministic, audited validation step before any message goes to a customer. - **No extra AR hires needed**: HighRadius supports large AR teams. Modern takes the manual work off them with inbound and outbound playbooks: rules keyed to customer tier, invoice size and the content of each reply. - **New releases every week**: HighRadius ships on a quarterly cycle. Modern releases weekly. If a portal updates or a customer moves to a new AP system, Modern catches up within days. ### FAQ **What is Modern?** Modern is an AI accounts receivable coworker that runs your order-to-cash, from signed contract to collected cash, with real-time tracking and policy-bound workflows. We focus on building dependable AR agents on frontier models that act with precision and leave a full audit trail. **What does the Modern platform cost?** Pricing is based on your business volume. Book a demo for a quote. **How soon will I see results?** Most customers see results in the first week. Go-live takes days, depending on your setup and how many systems we integrate. **What does going live with Modern take from my team?** Legacy AR tools hand you the work. We take it on and show results in days. A pilot usually needs about 1 hour of your team's time. Every customer is assigned a dedicated engineer, an implementation specialist, an agent specialist and support. **What's the best way to get started?** Begin with a pilot. Connect your systems, set your rules, and see results in the first week. Book a demo to scope it. **Which businesses is Modern built for?** Modern works with B2B companies across industries, from fast-growing finance teams to large enterprise AR functions. **How does Modern use my data?** Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you. ## Modern vs Billtrust URL: https://www.getmodern.ai/compare/modern-vs-billtrust/ Billtrust delivers the bill. Modern collects the cash, at any scale.. Billtrust rollouts often take months and rely on dedicated project teams and big AR departments to operate. Modern brings enterprise and fast-growing finance teams equal rigor with none of the overhead: running in days, with no heavy integration project and no extra AR headcount. | Feature | Modern | Billtrust | | --- | --- | --- | | Go-live timeline | ✓ Days, not months | ✗ Months, with a project team | | Pricing & fees | ✓ No setup fee, no cut of collections | ✗ Long contract + setup project | | Designed around | ✓ Customer relationships | ✗ The invoice and the ledger | | Collections outreach | ✓ Account-aware, every channel | ✓ Rules-driven workflows | | Credit management | ✗ Not core to the product | ✓ Enterprise-grade, a strength | | DSO reduction | ✓ 40% average | ✗ Not a headline metric | | Fits your current billing stack | ✓ Layers on top | ✗ Replaces your AR stack | Billtrust coordinates AR teams. Modern gets the work done. - **Enterprise rigor in days, not months**: Billtrust implementations can run for months and call for dedicated project teams. Modern is linked to your ERP and CRM within days and scales from small finance teams to enterprise AR with no added headcount. - **Made for how customers really pay**: Billtrust’s credit management is designed around industrial billing cycles. Modern is designed for real-world payment terms, usage billing edge cases and customers whose payment habits shift every quarter. - **Designed to collect the cash, not log the invoice**: Billtrust is a workflow engine centered on the bill: it logs and routes. Modern reads each account's context and takes the next step: a lookup, a resubmission, a reply. ### FAQ **What is Modern?** Modern is an AI accounts receivable coworker that runs your order-to-cash, from signed contract to collected cash, with real-time tracking and policy-bound workflows. We focus on building dependable AR agents on frontier models that act with precision and leave a full audit trail. **What does the Modern platform cost?** Pricing is based on your business volume. Book a demo for a quote. **How soon will I see results?** Most customers see results in the first week. Go-live takes days, depending on your setup and how many systems we integrate. **What does going live with Modern take from my team?** Legacy AR tools hand you the work. We take it on and show results in days. A pilot usually needs about 1 hour of your team's time. Every customer is assigned a dedicated engineer, an implementation specialist, an agent specialist and support. **What's the best way to get started?** Begin with a pilot. Connect your systems, set your rules, and see results in the first week. Book a demo to scope it. **Which businesses is Modern built for?** Modern works with B2B companies across industries, from fast-growing finance teams to large enterprise AR functions. **How does Modern use my data?** Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you. ## Modern vs Esker URL: https://www.getmodern.ai/compare/modern-vs-esker/ Esker processes the paperwork. Modern turns it into cash in days.. Esker is an end-to-end order-to-cash suite with 6-18 month deployments. Modern has enterprise and fast-growing finance teams converting revenue into cash this quarter, running in days with 90% of collections resolved without manual work. | Feature | Modern | Esker | | --- | --- | --- | | Time to first live collections | ✓ Days, not months | ✗ 6-18 months typical | | Pricing & fees | ✓ No setup fee, no cut of collections | ✗ Long contract + setup project | | Designed around | ✓ Customer relationships | ✗ Document processing | | AR staff needed to run it | ✓ None added | ✗ Requires a dedicated AR team | | Complete O2C suite | ✓ Via Modules and Automations | ✓ Complete suite | | DSO reduction | ✓ 40% average | ✗ Not a headline metric | | Release cadence | ✓ Weekly releases | ✗ Longer release cycles | Esker processes the paperwork. Modern moves the cash. - **Days to go live, not 6-18 months**: A full Esker O2C rollout calls for a dedicated project team, significant change management and a buildout that spans months. Modern links your ERP and CRM and has first collections running within days. - **Designed for relationships, not paperwork**: Esker is designed for document processing: capture, matching and routing. Getting paid comes down to relationships: missing W9s, PO mismatches, an approver out of office. Modern works through each one and acts. - **No AR department needed**: Esker is built to coordinate large AR teams. Modern is built to take the manual work off the table. It runs without a dedicated team. ### FAQ **What is Modern?** Modern is an AI accounts receivable coworker that runs your order-to-cash, from signed contract to collected cash, with real-time tracking and policy-bound workflows. We focus on building dependable AR agents on frontier models that act with precision and leave a full audit trail. **What does the Modern platform cost?** Pricing is based on your business volume. Book a demo for a quote. **How soon will I see results?** Most customers see results in the first week. Go-live takes days, depending on your setup and how many systems we integrate. **What does going live with Modern take from my team?** Legacy AR tools hand you the work. We take it on and show results in days. A pilot usually needs about 1 hour of your team's time. Every customer is assigned a dedicated engineer, an implementation specialist, an agent specialist and support. **What's the best way to get started?** Begin with a pilot. Connect your systems, set your rules, and see results in the first week. Book a demo to scope it. **Which businesses is Modern built for?** Modern works with B2B companies across industries, from fast-growing finance teams to large enterprise AR functions. **How does Modern use my data?** Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you. ## Modern vs Tesorio URL: https://www.getmodern.ai/compare/modern-vs-tesorio/ Tesorio forecasts what's coming. Modern changes the outcome.. Modern fixes what a forecast can't reach: PO mismatches, disputes and 600+ AP portals, worked by policy-bound agents, with collections response rates 24% higher and a 40% average drop in DSO. Then it forecasts from real collections activity, not statistical estimates. | Feature | Modern | Tesorio | | --- | --- | --- | | Collections outreach | ✓ LLM-based AR agent | ✓ Machine-learning workflows | | AP portal coverage (600+) | ✓ Core feature | ✗ Not supported | | Collections response rate | ✓ 24% above manual outreach | ✗ No published figure | | DSO reduction | ✓ 40% average | ✗ 33 days avg, per Tesorio | | Cash flow forecasting | ✓ Based on real collections data | ✓ ML forecasting, a strength | | Designed around | ✓ What customers need | ✗ The forecast | | Go-live timeline | ✓ Days, not months | ✗ Typically 2-3 months | Tesorio forecasts the cash. Modern collects it. - **Forecasts don't collect cash. Execution does.**: Flagging risk on a dashboard isn't the same as resolving it. Modern works each invoice, from the portal to the PO to the reply, without manual handoffs. Your forecast gets sharper because the data beneath it improves. - **39% of payment delays sit in portals and edge cases**: Portal submissions, PO mismatches and open disputes drive close to 40% of cash flow delays. Modern submits to 600+ AP portals for you. - **Days to go live, not months**: Modern links your ERP and CRM and has first collections running within days. Tesorio implementations usually take 2 to 3 months. Your AR data stays programmable and portable, never locked in. ### FAQ **What is Modern?** Modern is an AI accounts receivable coworker that runs your order-to-cash, from signed contract to collected cash, with real-time tracking and policy-bound workflows. We focus on building dependable AR agents on frontier models that act with precision and leave a full audit trail. **What does the Modern platform cost?** Pricing is based on your business volume. Book a demo for a quote. **How soon will I see results?** Most customers see results in the first week. Go-live takes days, depending on your setup and how many systems we integrate. **What does going live with Modern take from my team?** Legacy AR tools hand you the work. We take it on and show results in days. A pilot usually needs about 1 hour of your team's time. Every customer is assigned a dedicated engineer, an implementation specialist, an agent specialist and support. **What's the best way to get started?** Begin with a pilot. Connect your systems, set your rules, and see results in the first week. Book a demo to scope it. **Which businesses is Modern built for?** Modern works with B2B companies across industries, from fast-growing finance teams to large enterprise AR functions. **How does Modern use my data?** Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you. ## Modern vs VersaPay URL: https://www.getmodern.ai/compare/modern-vs-versapay/ VersaPay is a payment network. Modern works on any rail.. VersaPay delivers the most when your buyers join its collaborative AR network. Modern asks nothing of your customers. It converts revenue into cash through the AP portals, channels and payment rails they already use. | Feature | Modern | VersaPay | | --- | --- | --- | | Collections outreach | ✓ Account context, any channel | ✓ Rules-driven workflows | | AP portal submissions | ✓ 600+ AP portals | ✗ Its own portal only | | B2B payment network | ✗ Uses your existing rails | ✓ Strong for on-network buyers | | Buyer sign-up required | ✓ None, any system works | ✗ Buyers enroll in the network | | DSO reduction | ✓ 40% average | ✗ Tied to buyer adoption | | Pricing and setup | ✓ Live in days, no setup fee | ✗ Months, plus buyer onboarding | | Designed around | ✓ Customer relationships | ✗ Its own network | VersaPay asks your buyers to sign up. Modern meets them where they pay. - **Nothing for your customers to adopt**: VersaPay performs best when both parties are on its network. Modern works with whatever portal, payment system or channel your customers use. Your buyers don't have to onboard anything. - **600+ AP portals, every channel**: When a customer runs Coupa, Ariba or an in-house portal, Modern submits the invoice for you. VersaPay’s portal sits alongside your customer’s own system and doesn’t replace it. - **It reasons instead of only reminding**: VersaPay’s collections layer runs on workflows and rules. Modern’s playbooks read account context, write follow-ups for each account and respond to replies, each one passing a deterministic, audited check. ### FAQ **What is Modern?** Modern is an AI accounts receivable coworker that runs your order-to-cash, from signed contract to collected cash, with real-time tracking and policy-bound workflows. We focus on building dependable AR agents on frontier models that act with precision and leave a full audit trail. **What does the Modern platform cost?** Pricing is based on your business volume. Book a demo for a quote. **How soon will I see results?** Most customers see results in the first week. Go-live takes days, depending on your setup and how many systems we integrate. **What does going live with Modern take from my team?** Legacy AR tools hand you the work. We take it on and show results in days. A pilot usually needs about 1 hour of your team's time. Every customer is assigned a dedicated engineer, an implementation specialist, an agent specialist and support. **What's the best way to get started?** Begin with a pilot. Connect your systems, set your rules, and see results in the first week. Book a demo to scope it. **Which businesses is Modern built for?** Modern works with B2B companies across industries, from fast-growing finance teams to large enterprise AR functions. **How does Modern use my data?** Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you.