Chargezoom vs Cleavr (2026)

Two way syncing with NetSuite, QuickBooks and FreshBooks comes on every plan. The Enterprise plan adds ERP integrations for NetSuite, Sage Intacct and Dynamics. Chargezoom holds Intuit certification and processes payments on its own rails. AVA issues invoices, processes payments and reconciles them into the customer's accounting ledger, writing back into the accounting system the customer already runs.

SourceChargezoom, chargezoom.com/pricing and chargezoom.com/product/ava-ar-agentread 2026-09-06

More than twenty native integrations connect by OAuth or API key, and they act as well as read. They cover accounting, ERP and business management systems (Pennylane, NetSuite, SAP, Sage, Microsoft Dynamics NAV, Oracle, Odoo, Xero, Zoho, Sellsy, Axonaut), billing, payments and banking (Stripe, Chargebee, Qonto), CRM (HubSpot), messaging (Slack, Teams) and automation platforms (Zapier, Make, n8n). B2G invoices go to Chorus Pro through its official API the moment they are validated, and payments are matched into the ERP, which is synced again when a debtor pays. Alerts are pushed to Slack.

SourceCleavr, cleavr.fr/en/faq and cleavr.fr/enread 2026-09-06

AVA runs the receivables lifecycle from invoice to cash as one continuous process on Chargezoom's own platform. It sends invoices, follows up, adapts collection strategies, processes payments and reconciles them, with no delays between steps and no handoffs. All of this stays within one domain, accounts receivable.

SourceChargezoom, chargezoom.com/product/ava-ar-agentread 2026-09-06

The collection cycle runs in progressive phases, from reminders and qualification through friendly and firm stages to pre legal and legal, with escalation following debtor behavior, not a fixed schedule. Cleavr Intelligence qualifies every response and triggers the next action. Disputes pause the workflow, and payment stops it and cascades the ERP sync and analytics. When amicable collection fails, a complete file goes to a bailiff through Cleavr's portal, so the whole recovery runs in several steps on Cleavr's own runtime.

SourceCleavr, cleavr.fr/en/faq and cleavr.fr/enread 2026-09-06

Invoices go out at times the agent chooses, and follow ups track real payment behavior. The agent operates continuously, with no dependency on business hours and no dropped follow ups. The platform also offers scheduled payments, recurring payments and dunning management. Invoice and payment events synced from the customer's accounting system start the agent's work, as do its own schedules, without anyone invoking it.

SourceChargezoom, chargezoom.com/product/ava-ar-agent and chargezoom.com/pricingread 2026-09-06

Invoice and payment events synced continuously from the ERP start the agent's work. Overdue invoices are detected and reminders start from D plus 1 and before due dates, and debtor replies are qualified with the next action triggered without intervention. B2G invoices are deposited on Chorus Pro the moment they are validated in the customer's system, rejections are detected and resubmitted, and webhooks fire on recovery events. Outreach runs over email, SMS and messaging apps, and over phone, voicemail and letter.

SourceCleavr, cleavr.fr/en/faq and docs.cleavr.frread 2026-09-06

Decisions draw on the customer's synced invoices and payment history and on Chargezoom's Payment Graph, a cross customer transaction dataset. The customer's records are the application's own data, and the graph is Chargezoom's own corpus. Chargezoom names no maintained store of the customer's documents or policies for the agent to search.

SourceChargezoom, chargezoom.com/product/ava-ar-agentread 2026-09-06

Decisions rest on the invoices, clients and payments synced from the ERP, which remains the source of truth, on the rules and tone the customer sets, and on each debtor's reply as Cleavr Intelligence qualifies it. There is no maintained retrieval structure over the customer's documents, contracts or policies.

SourceCleavr, cleavr.fr/en/faq and cleavr.fr/enread 2026-09-06

The agent continuously analyzes when customers pay, how behavior changes and which strategies work, and evolves to improve outcomes without manual tuning. The payer records it draws on are the application's own data, synced from the customer's accounting system. Chargezoom names no separate memory for the agent and no conversational session state.

SourceChargezoom, chargezoom.com/product/ava-ar-agentread 2026-09-06

The agent keeps a profile for each debtor and reads it on every decision. It tracks interactions and payment patterns, such as when the debtor pays, which channel they respond to and when they open messages, scored and trended, and tone and timing are personalized from it.

Its scope is clear, one debtor across interactions, but Cleavr gives no lifetime, retention or deletion terms for the profile apart from the receivable records, so it is unclear whether it can be deleted for one customer without touching the business record. Cleavr's broader claim that the AI gets sharper the more it works describes learning absorbed into the product.

SourceCleavr, cleavr.fr/enread 2026-09-06

The agent does not wait for instructions. It makes decisions and executes without manual intervention, while the finance team manages strategy and oversees exceptions. There is no approval step before an action lands. Chargezoom names no review queue, no threshold the customer sets and no escalation path.

SourceChargezoom, chargezoom.com/product/ava-ar-agentread 2026-09-06

Before a formal notice is sent or a file goes to a bailiff, Cleavr creates a task with the full file context and the team approves or rejects it in one click, so nothing sensitive goes out without them. Disputes pause reminders and either resolve on their own or land as a task, depending on how much autonomy the customer has given Cleavr Intelligence. Deployment can start with a segment of debtors in observation mode and gain autonomy over time.

SourceCleavr, cleavr.fr/en/faqread 2026-09-06

Chargezoom is a Visa registered service provider and registered agent of Fiserv. Payments are encrypted end to end, with active fraud prevention, simplified PCI compliance and a tokenized card vault. Chargezoom also runs a bug bounty program. The plans come with five, ten or unlimited user accounts. Chargezoom names no roles or permissions and no SSO, SAML or SCIM.

SourceChargezoom, chargezoom.com/pricing and chargezoom.com/privacy-policyread 2026-09-06

Cleavr holds ISO 27001:2022 certification covering the platform and infrastructure. It is a GDPR processor with an appointed DPO, encrypts with AES-256 at rest and TLS 1.3 in transit, isolates each client through row level security and publishes its sub processor list. Customers get no access controls of their own, with no SSO, SAML or SCIM through their identity provider and no named role or permission model, although the FAQ refers to tasks created for the team.

SourceCleavr, cleavr.fr/en/security and cleavr.fr/en/faqread 2026-09-06

Outcomes are reported in real time, with automatic payment reconciliation and customer payment notifications. Payment messages carry delivery, open and read tracking. Chargezoom names no run trace of AVA's decisions, no audit log of agent actions and no export.

SourceChargezoom, chargezoom.com/pricing and chargezoom.com/product/ava-ar-agentread 2026-09-06

Every action lands in a complete audit trail with timestamp, author and context, protected against alteration, kept six to twelve months and exportable. Cleavr Intelligence also shows the qualification and confidence behind each decision on a debtor's response, and dashboards and call summaries report the state of every receivable.

SourceCleavr, cleavr.fr/en/security and cleavr.fr/en/faqread 2026-09-06

The product is one hosted dashboard at payportal.com, sold in three plans. None of the plans offers a customer cloud or on premises option. No hosting region is published, and Chargezoom names no way for a customer to choose where data is processed.

SourceChargezoom, chargezoom.com/privacy-policy and chargezoom.com/pricingread 2026-09-06

Data is hosted only in the European Union, on AWS in Paris, Ireland and Frankfurt through Supabase, and those regions are listed as Cleavr's own infrastructure. A customer cannot pick a region or bring its own cloud, and there is no on premises or dedicated tenant option.

SourceCleavr, cleavr.fr/en/security and cleavr.fr/en/faqread 2026-09-06

The product is one agent, AVA, sold in three plans of one platform. There is no catalog, template library or set of prebuilt agents for a customer to choose among. Customizable email templates come on every plan, and they are messages the customer edits.

SourceChargezoom, chargezoom.com/pricing and chargezoom.com/product/ava-ar-agentread 2026-09-06

Default recovery workflows ship with proven settings for durations, channels and tone that work from day one and can be customized. Cleavr also sells adaptations for SaaS, healthcare, build ups and services, but these are configurations of the same product, and the Chorus Pro module is a feature of the platform. A customer gets one workflow with defaults to tune, not a catalog of distinct agents or workflows to choose between.

SourceCleavr, cleavr.fr/en/faq and cleavr.fr/enread 2026-09-06

The platform runs on Chargezoom's own predictive and generative AI and its Payment Graph. Chargezoom names no model provider and no way for customers or admins to choose a model.

SourceChargezoom, chargezoom.com/product/ava-ar-agent and chargezoom.com/privacy-policyread 2026-09-06

Five sub processors are listed, AWS, Vercel, Stripe, Brevo and Slack, and none supplies a model, while Supabase and AWS are named as infrastructure. Customers and admins cannot choose a model. With no AI provider on a published sub processor list, the model provider plainly goes unnamed.

SourceCleavr, cleavr.fr/en/securityread 2026-09-06

The Enterprise plan includes REST API access. Developer Resources on Chargezoom's site lead to its Freshdesk support home, which carries only accounting integration articles. No API reference, endpoint list, SDK or MCP server is published.

SourceChargezoom, chargezoom.com/pricing and support.chargezoom.comread 2026-09-06

The Cleavr Connect API is published at docs.cleavr.fr, and through it a partner platform submits receivables into recovery and receives status events. The reference covers authentication over OAuth and endpoints for onboarding, receivables and webhooks, with date based versioning, a JavaScript client and an LLM export of the schemas. Access is gated, since the Enterprise API is granted on request to approved partners and enterprise customers. The full platform API, Cleavr One, is described but not publicly documented.

SourceCleavr, docs.cleavr.fr and cleavr.fr/en/faqread 2026-09-06

After deployment, a live loop runs on the agent's own strategies. It continuously analyzes which collection strategies are effective and adapts them, improving outcomes without manual tuning. Chargezoom names no controlled experiment with a stable control, no scored test cases, no test harness before deployment and no results the customer can read.

SourceChargezoom, chargezoom.com/product/ava-ar-agentread 2026-09-06

The AI starts in observation mode on a segment of debtors and gains autonomy over time, a supervised ramp on live operations, and Cleavr says it adapts its approach automatically as it works. There is no evaluation harness or scored test cases, and no controlled experiment or readable verdict on a change to the agent.

SourceCleavr, cleavr.fr/en/faq and cleavr.fr/enread 2026-09-06

Everything happens through syncs with the customer's accounting system, Chargezoom's payment rails, and email and text payment links. There is no browser, desktop or computer control.

SourceChargezoom, chargezoom.com/product/ava-ar-agent and chargezoom.com/pricingread 2026-09-06

The agent acts through ERP connections and the Chorus Pro API, and through messaging channels and AI voice calls, while data enrichment keeps client records current as a maintained feed. It does not control a browser, desktop or computer. Automated phone calls are a voice channel, not control of a computer, and data enrichment is a background feed, not an agent operating screens.

SourceCleavr, cleavr.fr/en/faq and cleavr.fr/enread 2026-09-06