Atlas agents

Agents that work every account, each in its own lane.

Every open account sits with exactly one agent. Triggers move it as its situation changes: a due date passes, a promise is made, a payment returns, a dispute opens. Each agent has its own sequence, channels, tone and contact hours, and does its work on its own.

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How accounts move

One account, one agent, moved by what happens.

Agents are the boxes, triggers the arrows. When two triggers fire at once, the agent with the higher priority wins. Paying in full takes the account out of every agent.

Your operation, modeledEvery open account in exactly one agent

Illustrative data

Agent 01

Standard follow-up

Get every invoice paid by its due date, politely.

Every account with an invoice coming due starts here. It reminds before the due date, sends the past-due notice with a payment link the day after, nudges the AP contact by text and sends a statement of everything open. Most invoices are paid without going any further.

Payment reminders in depth

Comes in on: Invoice due in 3 daysInvoice 1 day past due
Moves on when: 15 days past due → CollectionsCustomer promises to pay → Promise to payCustomer disputes an invoice → Dispute & deductionsShort payment received → Dispute & deductions
Channels: Email · SMS
Tone and cadence: Friendly · Every 3–4 days
Contact hours: 8:00 AM – 6:00 PM, customer's time
Waits for a person: Runs on its own

3 days beforeEmailFriendly reminder before the due dateOn its own
Day 1EmailPast-due notice with a payment linkOn its own
Day 4SMSShort nudge to the AP contactOn its own
Day 8EmailStatement of every open invoiceOn its own
Day 12EmailSecond notice, copying the AP managerOn its own

Agent 02

Collections

Recover overdue balances within terms, firmly.

At 15 days past due, after five touches with no reply, or when the AI Credit Rating falls below 25, the account moves here. It calls the AP lead, sends a firm notice with the full overdue balance, escalates to the controller and offers a plan within the terms you authorize.

Collections in depth

Comes in on: 15 days past dueNo reply after 5 touchesCredit rating falls below 25
Moves on when: Customer promises to pay → Promise to payCustomer disputes an invoice → Dispute & deductions90 days past due → Charge-off & Legal
Channels: Voice · Email · SMS
Tone and cadence: Firm · Every 2–3 days
Contact hours: 8:00 AM – 7:00 PM, customer's time
Waits for a person: Review payment plans over $25,000

Day 15VoiceCall the AP leadOn its own
Day 17EmailFirm notice with the full overdue balanceOn its own
Day 22EmailEscalate to the controllerOn its own
Day 26VoiceCall the controller; offer a plan within termsOn its own
Day 30TaskPut the account on credit holdYou review
Day 45EmailFinal notice before charge-offOn its own

Agent 03

Promise to pay

Hold customers to the date they commit to.

A promise, a broken promise, a declined card, a returned ACH or a missed installment brings the account here. Every other channel pauses until the promised date. It confirms amount, date and method in writing, reminds the day before and resets the date if the payment is missed.

Promise to pay in depth

Comes in on: Customer promises to payPromise date passes unpaidCard declinedACH return or bounced checkPayment plan installment missed
Moves on when: Promise date passes unpaid → Collections90 days past due → Charge-off & Legal
Channels: SMS · Email · Voice
Tone and cadence: Direct · Daily around the promised date
Contact hours: 8:00 AM – 8:00 PM, customer's time
Waits for a person: Runs on its own

7 days beforeEmailConfirm the promise: amount, date, how to payOn its own
1 days beforeSMSReminder the day before, with a pay linkOn its own
Day 1SMSMissed: retry link, same morningOn its own
Day 2VoiceCall to reset the dateOn its own
Day 5EmailFinal reminder before returning to CollectionsOn its own

Agent 04

Dispute & deductions

Resolve disputes and short payments with the evidence attached.

A dispute or a short payment opens here the same day. It acknowledges the customer, pulls the purchase order, the invoice and the proof of delivery, drafts a credit memo or a rebuttal and sends the resolution.

Disputes and deductions in depth

Comes in on: Customer disputes an invoiceShort payment received
Moves on when: Paid in full → Resolved90 days past due → Charge-off & Legal
Channels: Email
Tone and cadence: Formal · Same day, then every 2 days
Contact hours: Business hours
Waits for a person: Review credits over $5,000

On entryEmailAcknowledge the dispute the same dayOn its own
Day 1TaskPull the PO, invoice and proof of deliveryOn its own
Day 2TaskDraft a credit memo or a rebuttalYou review
Day 3EmailSend the resolution to the customerOn its own

Agent 05

Charge-off & Legal

Close out balances that will not resolve, on the record.

Unresolved at 90 days, the account comes here. It prepares the final demand, marks the balance for charge-off and packages the statement, invoices and correspondence for your attorney. A person releases every step.

Charge-off and legal in depth

Comes in on: 90 days past due
Moves on when: Paid in full → Resolved
Channels: Email
Tone and cadence: Formal · Step by step, each released by a person
Contact hours: Business hours
Waits for a person: Review every step

On entryEmailFinal demand letterYou review
Day 10TaskMark the balance for charge-offYou review
Day 10TaskPackage statement, invoices and correspondenceYou review
Day 12TaskHand to the attorney or agencyYou review
Day 12TaskTrack to closureYou review

Agent 06

Credit Decision

Recommend one credit decision, with the reasons, for every application.

It works credit applications rather than accounts. It reads what the applicant sends (the W-9, trade references, financial statements, resale certificates), cross-checks each against your credit policy and recommends one decision: the terms, the limit and why. Every step waits for review, and terms reach the ERP once a person approves.

Credit management in depth

Comes in on: A credit application arrives by email or link
Moves on when: Approved → terms and limit set in the ERPDeclined → the reasons recorded
Channels: Documents
Tone and cadence: Formal · As each document arrives
Contact hours: Business hours
Waits for a person: Review every step

On entryTaskRead the application and every attachmentYou review
On entryTaskCross-check each document against your credit policyYou review
On entryTaskRecommend one decision: terms, limit and the reasonsYou review

Rules no agent can change

Every agent, custom ones included, works inside the same rules.

Atlas runs on its own. You flag any step for review, and flagged work waits in the Approval Queue for an Approver, Admin or Owner. Charge-off and legal waits for a person on every step.

01Calls and texts go out only between 8am and 9pm in the customer's time zone, whatever an agent's own hours say.
02Every call and text says it comes from an AI assistant.
03Calls are recorded only where the customer has consented; in two-party consent states the call asks first.
04A text or call goes only to a number with consent on file. STOP, or asking not to be called, ends that channel at once.
05At most one touch per customer per day, across every agent.

FAQ

Atlas's agents, run end to end.

How does Atlas decide which agent works an account?

Atlas places every open account with exactly one agent. Triggers move it: 15 days past due moves it from Standard follow-up to Collections, a promise moves it to Promise to pay, a dispute to Dispute & deductions, 90 days unresolved to Charge-off & Legal. When two triggers fire at once, the agent with the higher priority wins. Paying in full takes the account out of every agent.

Do Atlas's agents act on their own?

Yes. Atlas's agents send, call and update accounts on their own inside rules no agent can change: calls and texts only between 8am and 9pm in the customer's time zone, consent on file for each channel, at most one touch per customer per day, and an AI disclosure on every call and text. You flag any step for review, and flagged work waits in the Approval Queue. Charge-off & Legal and Credit Decision wait for a person on every step.

Can we change how an Atlas agent works?

Yes. Every agent's sequence, channels, tone, cadence, contact hours, hand-offs and review flags are yours to edit in place. Atlas previews every changed field and every account that would join, leave or be replanned before you save, and each save is a new version with a field-level history. Accounts already in the agent follow the new settings from their next touch and never repeat a step.

What does an Atlas agent know when it writes or calls?

Each step loads the account's whole record: open invoices, payments and credits, promises, disputes, the AI Credit Rating, past messages and calls, and your company's own instructions for that agent. Atlas checks every invoice number and dollar figure in a draft against the record before it goes out, and until a customer is verified it discloses no invoice detail at all.

Can Atlas run agents we design ourselves?

Yes. A company builds its own agent by picking options: template, name, triggers, channels, tone, cadence, contact hours, hand-off, review and priority. A test drive previews every channel before it can be activated, and once active it takes every matching account it outranks. Ferrata also builds agents for a company at deployment.

Related in Atlas

See Atlas work on your own receivables.

Thirty minutes on your own aging report. You leave with a view of how Atlas would work it, and an honest answer if the sequencing is wrong and you should fix something else first.

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Your credit policy, terms, tone and escalation rules are your advantage, and they stay yours. Atlas is configured to the way you run receivables. You are not handing over a playbook or fitting into a template.