Know where your money is going.
AI collection intelligence that helps B2B teams see what's outstanding, catch what's overdue, and know exactly what to do next — with a human approving every follow-up PAYNORA recommends, or automating it on your terms.
The problem
Manual receivables tracking doesn’t scale.
Spreadsheets fall behind
By the time you notice an invoice is overdue, it’s already been ignored twice.
Follow-up is inconsistent
Some customers get chased immediately, others get forgotten — with no record of why.
How it works
From overdue invoice to controlled outcome.
PAYNORA never sends anything on its own. It watches, recommends, and — once a human decides — carries the decision through. Every stage below is a real part of the product, not a roadmap slide.
- 01
An invoice becomes overdue
PAYNORA already knows — outstanding balance and days overdue are computed live from your real invoice data, not a nightly batch job.
- 02
PAYNORA detects the risk
A deterministic check flags it: overdue, still unpaid, worth attention now — not a guess, a fact about the invoice.
- 03
PAYNORA recommends the next action
A specific, ready-to-send reminder is drafted — the right tone for how overdue it is, with the actual invoice context.
- 04
A human approves — when required
Every recommendation is editable and needs an explicit decision by default. Nothing goes out until someone says so.
- 05
The follow-up is sent
Once approved, PAYNORA sends it and reports back honestly — including when delivery genuinely can't be confirmed.
- 06
Payment arrives
A recorded payment updates the invoice instantly — partial or full, in the invoice's own currency, never estimated.
- 07
Receivables become visible and controllable
The dashboard, the invoice, and the customer's history all reflect it immediately — one current picture, not a stale export.
Pending your review
1 awaiting a decisionInvoice INV-0087 for Globex Logistics is 9 days overdue — $3,240.00 outstanding.
Action Center
Human-in-the-loop, not human-instead-of.
Every recommendation PAYNORA makes lands in one place, with the reasoning behind it. Approve it as written, edit the wording first, or dismiss it — approving never sends anything by itself; sending is a separate, explicit step you take after reviewing the actual message.
Collections automation
Define the follow-up. PAYNORA keeps it running.
Set a policy for how overdue invoices should be followed up — a friendly reminder, then a follow-up, then a firmer one. Every step still requires approval by default, and every run re-checks the invoice is still actually overdue before doing anything.
Auto-send is a separate, explicit opt-in — off by default, owner-only, and reversible at any time. Turning it on is a deliberate decision, never a default.
- Due dateInvoice becomes due
- +1 dayFriendly reminder
- +3 daysFollow-up
- +7 daysFirm reminder
Financial visibility
One current picture of what you’re owed.
Outstanding and overdue totals, grouped by currency and computed live — never a stale export. See what needs attention now, what’s coming due, and what you’ve actually recovered.
Outstanding
$186,420
Overdue
$46,110
Open invoices
34
Recovered (30d)
$84,200
Receivables by age
Built to integrate
An integration-ready foundation.
PAYNORA is designed to work with the tools you already use, without locking you into one vendor. Some connections are live today; others are architected and ready to be connected — we’re explicit about which is which.
AI
OpenRouter, Mistral — provider-ready
SMTP — works with any provider
Messaging
Telegram — integration foundation
Billing
Stripe, YooKassa — coming
Plans
Start free. Grow into more as your book of business grows.
No credit card required to start. Online billing isn’t connected yet — plan changes today are handled by PAYNORA directly, not through a self-serve checkout.
Free
Free
Get started with a small, focused book of business.
- 25 customers
- 50 open invoices
- 1 team members
- 20 AI generations / month
- No collections automation
Starter
RUB 1,990.00/mo
For growing teams that want automated follow-up and a Copilot.
- 250 customers
- 1000 open invoices
- 5 team members
- 200 AI generations / month
- Collections automation
Business
RUB 4,990.00/mo
For teams that need higher limits, Wallet, and Copilot together.
- 1000 customers
- 4000 open invoices
- 12 team members
- 800 AI generations / month
- Collections automation
Pro
RUB 9,990.00/mo
For teams that need the highest limits and the most seats.
- Unlimited customers
- Unlimited open invoices
- 25 team members
- 2000 AI generations / month
- Collections automation
Security & control
Financial data deserves a serious security posture.
Approval by default
Automated sending is opt-in, per policy, and always reversible before it happens.
Server-side authorization
Every action is verified against your organization membership — never trusted from the browser.
Organization isolation
Every query is scoped to your organization at the data layer — tested so one tenant can never read another's.
Honest delivery status
If we can't confirm an email was delivered, we say so — never a false "sent" or silent retry.
Take control of your receivables.
Create an account and see your outstanding invoices in one place — no credit card required.
Create your account