Chargezoom
Also known as: AVA
AI native accounts receivable agent that autonomously runs invoicing, collections, payments, and reconciliation inside your accounting or ERP system.
Chargezoom is an AI native accounts receivable platform that embeds directly into accounting and ERP systems such as QuickBooks, NetSuite, FreshBooks, and Xero. Its AR agent, AVA, autonomously issues invoices, learns payor behavior, adjusts collections in real time, and reconciles payments without manual intervention. Predictive and generative AI run on the Chargezoom Data Network, a proprietary dataset of millions of transactions, and enrich Level 3 payment data to reduce processing fees. The platform includes a branded self service customer portal, email and SMS payment links with delivery tracking, PCI Level 1 certified and tokenized payment handling, and active fraud prevention. It targets small and mid market finance teams that want to shorten days sales outstanding and cut manual accounting work.
Vendor details
Canonical URL
https://www.chargezoom.com
Category
Enterprise operations agent
Funding status
Series A of $11.5M led by Kickstart Fund (Dec 2024); ~$15.7M raised total per PitchBook. Holladay, UT; ~32 employees. Founder and CEO Matt Dubois.
Company status
independent
Use cases & customers
Primary use cases
Target customers
Deployment options
Integrations
QuickBooks, QuickBooks Online, NetSuite, FreshBooks, Xero, Stripe, PayPal, Square, and Authorize.net.
Sources & related URLs
Research sources
Capability coverage
6.0 / 14 capabilities · 43%
| Integrations & Tool CallingHome page and pricing page document native integrations with QuickBooks, QuickBooks Online, NetSuite, FreshBooks, Xero, Stripe, PayPal, Square, and Authorize.net, with two way syncing to the accounting or ERP system. | Full |
|---|---|
| Workflow OrchestrationAutonomous AR product page describes connecting the full receivables lifecycle (invoicing, collections, payments, reconciliation) into one system that runs continuously without handoffs. Orchestration is AR domain scoped. | Full |
| Knowledge Grounding & RAGPredictive AI is grounded in the Chargezoom Data Network, a proprietary dataset of millions of transactions, plus the customer accounting data it syncs. This is transactional data grounding rather than a documented RAG over enterprise documents. | Partial |
| Human Oversight & GuardrailsProduct messaging emphasizes fully autonomous execution without intervention. No approval workflow, review gate, or human in the loop guardrail construct is documented on the retrieved pages. | Unable to verify |
| Security, Identity & GovernancePricing page documents end to end encrypted payments, active fraud prevention, simplified PCI compliance with PCI Level 1 certification, and a tokenized credit card vault. | Full |
| Observability & AuditabilityDocuments real time unified reporting and message delivery, open, and read status tracking on payment communications, plus automatic reconciliation records. No dedicated agent action audit log is described. | Partial |
| Memory & State PersistenceAutonomous AR page states payment behavior is continuously learned and collections adjust dynamically over time, implying persistent payor state. No general agent memory construct is documented. | Partial |
| Deployment & Data ResidencyDelivered as a cloud SaaS platform embedded in accounting and ERP systems. No on premise, VPC, or data residency options are documented on the retrieved pages. | Partial |
| Prebuilt Agents / Templates / PacksChargezoom is a single purpose AR agent (AVA). Beyond customizable email templates there is no catalog of prebuilt agents, templates, or packs on the retrieved pages. | Unable to verify |
| Triggers & Channel CoverageAutomated reminders and payment links are sent over email and SMS with delivery tracking, and collections adjust in real time in response to payment behavior. Channel coverage is limited to email, SMS, and the customer portal. | Partial |
| Model Flexibility & RoutingThe platform runs proprietary predictive and generative AI. No customer selectable models or multi provider model routing is documented on the retrieved pages. | Unable to verify |
| APIs / SDKs / MCP ExtensibilitySite navigation exposes developer resources and an embedded payments product, indicating an API for embedding Chargezoom. No public SDK or MCP support is documented on the retrieved pages. | Partial |
| Testing, Debugging & OptimizationNo agent testing, evaluation harness, or self healing capability is documented on the retrieved pages. | Unable to verify |
| Browser / Computer-useNo browser automation or general computer use capability is documented. Chargezoom operates through accounting and ERP integrations and a payments layer. | Unable to verify |
Pricing
Free to invoice with no monthly fee; pay per payment processed. Aggregator reported paid tiers range from around nine to ninety nine dollars per month.
payment volume and transactions, plus monthly plan tier
Cost watchouts
Per transaction payment processing fees; surcharging and Level 3 data enrichment tied to processing volume.
Variable cost rationale
Payment processing fees and transaction volume dominate total cost; the monthly plan fee is a small component.
Sales call required
No — self-serve available
Free / trial
Free plan available; free to invoice with pay per payment
Lowest paid plan
Around nine dollars per month (aggregator reported Pro tier)
Key ambiguities
Public sources disagree on the paid tier table (Pro, Business, Plus at nine, twenty nine, ninety nine versus Sync, Automate, Enterprise at twenty to one hundred fifty nine). The official pricing page emphasizes free invoicing plus pay per payment rather than a fixed tier list.
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