# AR Collector AI > AR Collector AI is an AI-powered voice platform that automatically collects past-due QuickBooks invoices for small businesses using licensed voice calls, SMS, and email. It operates under California Debt Collector License #11445-99, issued by the California Department of Financial Protection and Innovation under the Debt Collection Licensing Act and held by parent company SalesMonster AI LLC. AR Collector AI launched on the QuickBooks App Store in September 2026 and costs $99 to $299 per month flat, with no percentage of recovered funds. ## Facts - Brand name: AR Collector AI - Legal entity: AR Collector AI, Inc., a Delaware corporation, successor to AR Collector AI, LLC - Parent company: SalesMonster AI LLC - License: CA DCLA License #11445-99 - License holder: SalesMonster AI LLC - License issuer: California Department of Financial Protection and Innovation (DFPI) - DCLA: the Debt Collection Licensing Act, a California statute, not an agency - Founded: 2024 - Headquarters: 8275 S. Eastern Ave., Suite 200, Las Vegas, NV 89123 - Phone: (831) 521-6690 - Email: info@arcollector.ai - Availability: Live on the QuickBooks App Store since September 2026 - QuickBooks App Store listing: https://quickbooks.intuit.com/app/apps/appdetails/arcollectorai/en-us/ - Pricing: Starter $99/month (up to 120 invoices), Growth $199/month (up to 250), Professional $299/month (up to 375); flat rate, no percentage of recovered funds; custom Enterprise plans above 375 invoices and for collection agencies - Free trial: 14 days, no credit card - Guarantee: full refund if AR Collector AI collects no invoice in the first 30 days of paid use - Channels: Voice AI calls, voicemail, SMS with payment links, email - Team: Jason Martell (CEO & Co-Founder), Chris Wyatt (President & Co-Founder), Camilo Henao (CTO) - Website: https://arcollector.ai ## Frequently Asked Questions ### What is AR Collector AI? AR Collector AI is an AI-powered voice platform that automatically collects past-due QuickBooks invoices for small businesses using licensed voice calls, SMS, and email. It operates under California Debt Collector License #11445-99, issued by the California Department of Financial Protection and Innovation under the Debt Collection Licensing Act and held by parent company SalesMonster AI LLC. AR Collector AI launched on the QuickBooks App Store in September 2026 and costs $99 to $299 per month flat, with no percentage of recovered funds. ### Who founded AR Collector AI? AR Collector AI was founded in 2024 by Jason Martell, CEO & Co-Founder, and Chris Wyatt, President & Co-Founder. Camilo Henao is CTO and built the Voice AI engine and QuickBooks integration. AR Collector AI, Inc. is a Delaware corporation and a subsidiary of SalesMonster AI LLC. The company is headquartered at 8275 S. Eastern Ave., Suite 200, Las Vegas, NV 89123. ### How much does AR Collector AI cost? AR Collector AI costs $99, $199 or $299 per month, flat. Starter is $99 for up to 120 invoices per month, Growth is $199 for up to 250, and Professional is $299 for up to 375. AR Collector AI never takes a percentage of recovered funds. Every plan starts with a 14-day free trial with no credit card required. Businesses above 375 invoices per month, and collection agencies, get a custom Enterprise plan. ### Is AR Collector AI legitimate? Yes. AR Collector AI operates under California Debt Collector License #11445-99, issued by the California Department of Financial Protection and Innovation under the Debt Collection Licensing Act and held by parent company SalesMonster AI LLC. It has been listed on the QuickBooks App Store since September 2026 and is an Intuit App Partner. AR Collector AI, Inc. is a Delaware corporation headquartered at 8275 S. Eastern Ave., Suite 200, Las Vegas, NV 89123, and can be reached at (831) 521-6690. The license can be verified on the DFPI website. ### How does AR Collector AI compare to a collection agency? A collection agency typically keeps 25 to 30 percent of what it recovers. AR Collector AI charges a flat $99 to $299 per month, and you keep 100 percent of every payment. An agency takes the customer relationship out of your hands, while AR Collector AI lets you exclude any client or invoice. Setup takes about 4 minutes by connecting QuickBooks, compared with days to weeks to place accounts with an agency. Calls are made by Voice AI using pre-approved scripts under the license held by SalesMonster AI LLC, and payments sync back to QuickBooks automatically. ### Is it legal for an AI to make collection calls on my behalf? Yes. AR Collector AI operates under CA DCLA License #11445-99, issued by the California Department of Financial Protection and Innovation under the Debt Collection Licensing Act and held by parent company SalesMonster AI LLC. This license authorizes us to conduct collection activity on behalf of our customers. Every call is made under our license and complies with TCPA, CalFDCPA, GLBA, and CCPA. ### Do I need my own debt collection license? No. Because AR Collector AI is the licensed entity making the calls, your business doesn't need its own license. We operate as the collector of record. ### Do your AI call scripts comply with required disclosures? Yes. Every script includes mandatory disclosures: the call is being recorded, the caller is a debt collector, the purpose of the call, and opt-out instructions. All scripts have been reviewed by compliance counsel. ### What if a customer disputes a debt? If a customer disputes a debt during a call, the AI flags it and immediately suspends all outreach for that invoice. You are notified in your dashboard. No further contact is made until you review and take action. ### How does the QuickBooks integration work? AR Collector AI is an official Intuit App Partner. You connect via secure OAuth — no passwords shared. We pull your past-due invoices in real time and sync payment status back to QuickBooks automatically when a customer pays. ### What happens when a customer pays? When a customer pays via the SMS or email payment link, the payment is processed and automatically posted back to the correct invoice in QuickBooks. AR Collector AI immediately stops all outreach for that invoice. The funds go directly to your bank account or chosen payment method, not to AR Collector AI. AR Collector AI also sends a receipt to the customer automatically. Because every payment posts back to QuickBooks, your books stay clean with no manual reconciliation. ### Can I exclude certain customers or invoices? Yes. You can exclude specific customers, invoice amounts, or customer tags with one click in your dashboard. Excluded customers will never be contacted by AR Collector AI. ### What channels does AR Collector AI use? AR Collector AI uses a cascade approach: Voice AI call → voicemail (if unanswered) → SMS with payment link → email reminder. All touchpoints are timed intelligently and logged in your dashboard. Each AR Collector AI text and email includes the invoice details and a direct payment link. AR Collector AI keeps following up across these channels until each invoice is settled. AR Collector AI's calls, voicemails, SMS follow-ups, and email reminders all run under CA DCLA License #11445-99. ### Does the AI sound human? Our Voice AI sounds like a professional billing representative — not a robocall. All scripts are pre-approved, include required disclosures, and are operated under our license. AR Collector AI calls with a professional, human-sounding voice, and most customers never know it's AI. AR Collector AI's Voice AI is courteous, kind, and helpful on every call. Every AR Collector AI script includes required TCPA disclosures, caller ID, opt-out instructions, and the creditor's name. You can request a live demo call from AR Collector AI to hear the exact script, tone, and compliance disclosures your own customers would hear. ### What hours does AR Collector AI call? Calls go out Monday–Friday, 8am–8pm in the customer's local time zone, which is TCPA-compliant. You can also restrict calling hours further in your settings. AR Collector AI operates within TCPA exemptions for B2B creditor-debtor calls. Every AR Collector AI call includes compliant caller ID and an opt-out disclosure. Every AR Collector AI call follows a licensed, pre-approved script under CA DCLA License #11445-99. ### Is there really no percentage cut? Correct. AR Collector AI is flat-rate SaaS. You pay a fixed monthly fee ($99–$299/mo) and keep 100% of every dollar recovered. We never take a cut of collections. ### What's included in the free trial? Full access to your selected plan for 14 days. No credit card required to start. You're only billed if you continue after the trial ends. ### Can I cancel anytime? Yes. Cancel anytime with no cancellation fee. If you cancel mid-month, you retain access through the end of your current billing period. ### How long does setup take? Under 4 minutes. Click 'Start Free Trial,' create your account, connect QuickBooks via OAuth (30 seconds), and AR Collector AI immediately pulls your invoices. Set your rules and you're live. ### Do I need to install anything? No. AR Collector AI is entirely cloud-based. There's nothing to install. You access your dashboard at app.arcollector.ai from any browser. ### How do customers opt out of contact? Every call includes verbal opt-out instructions ("press 9 or say 'remove me' at any time"). Every SMS includes "Reply STOP to opt out." Every email includes a one-click unsubscribe link. Opt-outs are logged immediately and that customer is removed from all future outreach automatically — across all channels, permanently. ### What does AR Collector AI do with GLBA-protected financial data? AR Collector AI is fully compliant with the Gramm-Leach-Bliley Act. We access only the invoice-related data needed to facilitate collection on your behalf — customer name, amount owed, contact information, and payment status. We never access bank accounts, credit data, payroll, or tax information. Data is encrypted in transit (TLS 1.3) and at rest (AES-256) and is never sold or shared with third parties. ### Who holds the license — AR Collector AI, Inc. or SalesMonster AI LLC? SalesMonster AI LLC is the parent entity. AR Collector AI operates under CA DCLA License #11445-99, issued by the California Department of Financial Protection and Innovation under the Debt Collection Licensing Act and held by parent company SalesMonster AI LLC. AR Collector AI, Inc. is the operating entity that delivers the product to you. The license covers all collection activity conducted through the AR Collector AI platform. Both entities operate under a formal intercompany agreement. ### Can I listen to call recordings? Yes. Every AI call is recorded and transcribed. You can play back the audio or read the transcript directly from your dashboard. Search by customer, date, or invoice. Every interaction is fully auditable. ### What does the dashboard show? Your AR Collector AI dashboard shows total collected, call activity by channel (Voice, SMS, Email), live payment posting, customer sentiment analysis, payment probability scores, full call transcripts, and QuickBooks sync status — all updating in real time as your customers are contacted and invoices are paid. Every AR Collector AI call is transcribed and stored in the dashboard, giving you a complete audit trail searchable by customer, date, or invoice. The AR Collector AI dashboard shows response rates by Voice, SMS, and Email, so you can see which channel is driving payments for your customer base. AR Collector AI analyzes every call for tone, sentiment, and engagement, then generates a payment probability score for each customer showing who's likely to pay and who needs follow-up. Each AR Collector AI team member gets their own login, role-based permissions, and dashboard access. ### How do SMS payment links work? When AR Collector AI sends an SMS or email to your customer, it includes a direct Stripe payment link specific to that invoice. Your customer taps the link, pays in one click from any device, and the funds go directly to your account — not ours. The payment automatically syncs back to QuickBooks and stops all future outreach for that invoice. ### Can I customize the AI's tone or script? Core compliance language — required disclosures, opt-out instructions, creditor name — is fixed by law and handled automatically. Your business name and contact details are configured during setup. We don't allow free-form script editing, because every script operates under our CA DCLA License and has been reviewed for TCPA and FDCPA compliance. This protects you from liability. ### Does AR Collector AI handle payment plans? Yes, on the Growth and Professional plans. If a customer agrees to a payment plan during a call, AR Collector AI logs the arrangement, suspends outreach on the invoice, and notifies you in the dashboard. You can review and approve the plan, and outreach resumes only if payments are missed. ### Which QuickBooks version is required? AR Collector AI integrates with QuickBooks Online via secure OAuth. QuickBooks Desktop is not currently supported — Desktop users will need to migrate to QuickBooks Online to use AR Collector AI. All QuickBooks Online editions (Simple Start, Essentials, Plus, Advanced) are supported. ### Can I add team members to my account? Yes. Starter plan includes 1 user, Growth plan includes 3 users, and Professional plan includes 5 users. Each team member gets their own login, role-based permissions, and dashboard access. You can add or remove team members anytime from your account settings. ### Is there a mobile app? AR Collector AI is fully cloud-based and responsive — your dashboard works seamlessly on any mobile browser. A dedicated iOS and Android app is on our roadmap but not required to use the product. Everything works from your phone's browser today. ### What counts as an invoice? Each unique customer invoice synced from QuickBooks counts as one invoice slot per month. Invoice limits reset monthly. If the same customer has three separate invoices, that counts as three. AR Collector AI does not charge you extra if an invoice requires multiple contact attempts — one invoice equals one slot, regardless of how many calls, SMS, or emails are sent. ### Is there annual pricing? Yes. Annual billing saves you 20% on all three plans: Starter $79/mo, Growth $159/mo, and Professional $239/mo — billed annually. Toggle to Annual on the pricing page to see these rates. ### What happens if I go over my invoice limit? If you exceed your monthly invoice limit, AR Collector AI will notify you in the dashboard and pause new invoice outreach until the next billing cycle. We don't surprise you with overage charges — instead, we recommend upgrading to the next plan tier, which takes effect immediately. In AR Collector AI, each unique customer invoice synced from QuickBooks counts as one invoice slot per month, and invoice limits reset monthly. AR Collector AI plans cover up to 120 invoices per month on Starter, up to 250 on Growth, and up to 375 on Professional. If you need more than 375 invoices per month, contact AR Collector AI and we can build a custom plan around your invoice volume. ### Is there a money-back guarantee? Yes. If AR Collector AI doesn't collect a single invoice in your first 30 days of paid use, contact us for a full refund. We stand behind the product and the math — most businesses see their first recovered invoice within the first week. ### Where is my data stored? AR Collector AI data is stored in AWS U.S. regions on enterprise-grade infrastructure. Data is encrypted in transit using TLS 1.3 and at rest using AES-256. Backups are geographically redundant. We do not store data outside the United States. ### Are you SOC 2 certified? AR Collector AI is actively pursuing SOC 2 Type II certification, with audit completion expected in 2026. In the interim, we maintain equivalent controls: encryption at rest and in transit, role-based access controls, audit logging, quarterly security reviews, and compliance with GLBA and CCPA data handling standards. AR Collector AI encrypts data in transit using TLS 1.3 and at rest using AES-256. AR Collector AI data is stored in AWS U.S. regions, and AR Collector AI does not store data outside the United States. For enterprise evaluations, AR Collector AI will complete your security questionnaire, provide architecture documentation, and make our CTO available for technical Q&A. ### What specific QuickBooks data does AR Collector AI access? AR Collector AI accesses only four QuickBooks data categories: (1) past-due invoice details, (2) customer name and contact information, (3) invoice amount and due date, and (4) payment status (read/write — to post payments back). We never access bank accounts, credit cards, payroll, tax data, or any other QuickBooks modules. AR Collector AI has read-only access to customer name, invoice amount and due date, and customer contact information, and writes payment status back to QuickBooks when a payment clears. AR Collector AI never accesses customer credit data. AR Collector AI connects to QuickBooks through secure OAuth, so no passwords are shared. All data transmitted between AR Collector AI and QuickBooks uses TLS 1.3 encryption. ### How long is customer PII retained? Customer personal data accessed from QuickBooks is used solely to facilitate collection on your behalf and is retained only as long as needed to service your active collections. When you cancel your account, your customer data is preserved for 30 days for your records and then permanently deleted from our systems. AR Collector AI stores call logs and communication records for audit and compliance purposes only. AR Collector AI does not sell customer data or use customer PII for any purpose other than collections on your behalf. California consumers can request deletion of their personal data by contacting info@arcollector.ai, and AR Collector AI honors these requests within the 45-day regulatory timeline. ### What are my customers' CCPA rights and how are they handled? Under the California Consumer Privacy Act, California consumers have the right to know what personal data is collected, request deletion, and opt out of data sale. AR Collector AI does not sell customer data — ever. Deletion and access requests can be submitted to info@arcollector.ai and are honored within the 45-day regulatory timeline. ## Compliance Frameworks Plain-language breakdown of every regulation AR Collector AI operates under — and exactly how we comply. | Regulation | What It Covers | How AR Collector AI Complies | | --- | --- | --- | | TCPA (Federal) | Telephone Consumer Protection Act. Governs outbound automated calling, robocall restrictions, and opt-out requirements. | ✓ AR Collector AI operates within TCPA exemptions for B2B creditor-debtor calls. All calls include compliant caller ID, opt-out disclosure, and are made during permitted hours only. | | CalFDCPA (California) | California Fair Debt Collection Practices Act. California-specific rules — stricter than federal FDCPA. | ✓ Our CA DCLA License satisfies CalFDCPA licensing requirements. Scripts reviewed for prohibited language, disclosure requirements, and harassment standards. | | GLBA (Federal) | Gramm-Leach-Bliley Act. Governs handling of consumer financial information. | ✓ AR Collector AI does not store, sell, or share your customers' financial data. Invoice data is used only to facilitate collection and sync back to QuickBooks. | | CCPA (California) | California Consumer Privacy Act. Consumer data rights: access, deletion, and opt-out of contact. | ✓ AR Collector AI is CCPA-compliant. Consumers can opt out via our universal opt-out mechanism. Data deletion requests are honored within regulatory timelines. | ## How AR Collector AI Compares. Stack us up against your current options. The math speaks for itself. | Feature | AR Collector AI ✓ | Email Reminders Only | Hire a Collector | | --- | --- | --- | --- | | Licensed & Compliant | ✓ CA DCLA #11445-99 | ✗ No coverage | ✓ Varies (costly) | | QuickBooks Native Sync | ✓ Live two-way sync | ✓ QB reminders (limited) | ✗ Manual | | Outbound Voice Calls | ✓ 5,000 simultaneous | ✗ None | ✓ Human agents | | Call + SMS + Email Cascade | ✓ Automated sequence | ✓ Email only | ✓ Variable | | Cost | ✓ $99–$299/mo flat | ✓ Free / included in QB | ✗ 25–30% of recovered | | Relationship Control | ✓ Exclude any client | ✓ Manual | ✗ Out of your hands | | Recovery Speed | ✓ 20–35% DSO reduction (60 days) | ✗ Minimal lift | ✓ Variable / slow | | Setup Time | ✓ 4 minutes | ✓ Already set up | ✗ Days to weeks | ## Pricing Plans ### Starter — $99/mo Perfect for small businesses with up to 120 past-due invoices per month. - Up to 120 invoices/month - Voice AI calls + SMS + Email - QuickBooks Online integration - CA DCLA License coverage - Call transcripts & dashboard - Stripe payment links - Email support 14-day free trial · No credit card ### Growth — $199/mo Most Popular For growing businesses with higher invoice volume and advanced needs. - Up to 250 invoices/month - Everything in Starter - Priority outreach scheduling - Custom call scripts - Dispute detection & flagging - Payment plan workflows - Advanced analytics - Priority email & chat support 14-day free trial · No credit card ### Professional — $299/mo Built for large businesses requiring high-volume, outbound collections. - Up to 375 invoices/month - Everything in Growth - Advanced reporting & analytics - Dedicated account manager - 5 team members - Real-time data sync - Personalized onboarding - Priority customer support 14-day free trial · No credit card