Chargezoom (AVA)

Chargezoom presents itself as an autonomous AR department rather than a simple invoicing add-on. Its AVA agents cover distinct roles: a Collections agent that writes and schedules follow-ups, a Payments agent that delivers invoices and runs a pay portal, a Cash Application agent that matches remittances and posts them to the ERP, a Deductions & Disputes agent, and a Credit agent that reviews limits and risk. Each agent works within the accounting software the business already runs, so implementation is measured in minutes rather than migrations.

What differentiates Chargezoom is its Payment Graph, a network spanning roughly 22 million businesses, merchants, and financial institutions. Instead of learning only from a single company's past behavior, AVA uses this shared payment intelligence to predict when a customer is realistically likely to pay and to time outreach accordingly. Teams can choose an oversight mode where every message is queued for approval, or an autonomous mode where the agent acts within guardrails.

Pricing is per agent per month, tiered by annual revenue, with unlimited invoice and customer volume and no implementation fee. A full five-agent bundle is offered at a discount, and payment processing is billed separately. Chargezoom is PCI DSS compliant and presents itself as a Visa registered service provider.