# Upflow: Financial Relationship Management Platform for Accounts Receivable Upflow (https://upflow.io) is a Financial Relationship Management (FRM) platform for B2B finance teams. It brings AR insights, collections, payments, and cash application into one place, with AI agents that work alongside the team on the full financial relationship. Teams cut DSO by 30% on average within three months, while strengthening the relationships behind their revenue. ## Key Features - AI Agents Across the AR Workflow: Insights, Collections, and Cash App Agents work alongside your team, from account context to outreach to reconciliation. - AR Insights & Forecasting: Instant answers on customer health and cash forecasts, with 15+ pre-built analytic widgets and billing cohort-based projections. - Multi-Channel Collections: Collection Agents run outreach across email, SMS, calls, and letters, with autonomy controls from suggestion-only to fully autonomous. - Branded B2B Payments: A branded payment portal supporting 12+ payment methods, with same-day go-live and payment mix optimization. - Automated Cash Application: The Cash App Agent matches complex payments with a 98% auto-match rate and real-time ERP sync. - Broad Integration Ecosystem: Native integrations with NetSuite, QuickBooks, Xero, Sage Intacct, Pennylane, Salesforce, and more, plus an open API and MCP server. ## Pros - Cuts DSO by 30% on average within three months through AI-driven collections. - Brings insights, collections, payments, and cash application into a single platform. - AI agents handle outreach and reconciliation while keeping teams in control. - Strengthens customer relationships with a modern, branded payment experience. - Broad, real-time integrations with ERPs, billing platforms, and CRMs for fast setup. ## Company Background Founded in 2018 and headquartered in Paris and New York, Upflow is used by thousands of companies across SaaS, services, and B2B commerce sectors. The platform supports businesses of all sizes looking to streamline their receivables, reduce DSO, and improve cash flow. Backed by top-tier investors like Y Combinator, Hexa, and Lorimer Ventures, Upflow continues to grow as a trusted financial operations partner for scale-ups and global enterprises. ## Customer Stories - [Upflow Customer Stories](https://upflow.io/customers): Learn how modern finance teams use Upflow to cut late payments, boost cash flow, and scale faster with smarter accounts receivable management. - [Invicti X Upflow](https://upflow.io/customers/invicti): How Invicti adopted autopay, reduced DSO by 36% and minimized risk of bad debt - [Flinks X Upflow](https://upflow.io/customers/flinks): How Flinks Cut DSO by 43% in 6 Months with Autopay and Payments by Upflow - [Staffmatch X Upflow](https://upflow.io/customers/staffmatch): How Staffmatch saved 35 hours per month with a truly multi-channel collections strategy - [Carver X Upflow](https://upflow.io/customers/carver): How Carver cut their overdue balance by 49% and made cash collection a collaborative, business-wide focus - [Feefo X Upflow](https://upflow.io/customers/feefo): How Feefo won back 90+ hours per month & reduced invoices 31+ days overdue by 26% with Upflow - [Passport X Upflow](https://upflow.io/customers/passport): How Passport reduced their DSO by 32% with autopay and fully automated dunning reminders - [Walnut X Upflow](https://upflow.io/customers/walnut): How Walnut built a highly-effective and automated cash collection process and reduced their DSO by 50% - [WorkMotion X Upflow](https://upflow.io/customers/workmotion): How WorkMotion achieved best possible DSO and reduced invoices 31+ days overdue by 79% - [Veryable X Upflow](https://upflow.io/customers/veryable): How Veryable brought payments online and reduced DSO by 37% - [PlayPlay X Upflow](https://upflow.io/customers/playplay): How PlayPlay saves 46+ hours per month with Upflow - [Iziwork X Upflow](https://upflow.io/customers/iziwork-italy): How Iziwork Italy organized cash collection & gained visibility - [Adikteev X Upflow](https://upflow.io/customers/adikteev): How Adikteev reduced 61+ day overdue invoices by 33% - [OVRSEA X Upflow](https://upflow.io/customers/ovrsea): How OVRSEA automated 70% of AR actions and reduced DSO - [Malt X Upflow](https://upflow.io/customers/malt): How Malt cut DSO by 58% while keeping up with hyper-growth - [parcelLab X Upflow](https://upflow.io/customers/parcellab): How parcelLab improved AR visibility & streamlined subscriptions - [Pedlex X Upflow](https://upflow.io/customers/pedlex): How Pedlex saved 20+ hours weekly & cut their aging balance - [Botify X Upflow](https://upflow.io/customers/botify): How Botify cut DSO by 22% & reclaimed 2 finance days a week - [Hokodo X Upflow](https://upflow.io/customers/hokodo): How Hokodo Cut DSO by 75% and Increased Collections - [ActivTrak X Upflow](https://upflow.io/customers/activtrak): How ActivTrak saved 100+ finance team hours per month - [Welcome X Upflow](https://upflow.io/customers/welcome-to-the-jungle): How Welcome to the Jungle reduced DSO by 18% - [Productboard X Upflow](https://upflow.io/customers/productboard): How Productboard scaled cash collection amid rapid growth - [Avizio X Upflow](https://upflow.io/customers/avizio): How Avizio reduced it's DSO by 50% and secured its cash flow - [Lattice X Upflow](https://upflow.io/customers/lattice): How Lattice streamlined cash collection without extra hiring - [Side X Upflow](https://upflow.io/customers/side): How Side reduced overdue invoices from 75% to 25% with Upflow - [Gymlib X Upflow](https://upflow.io/customers/gymlib): How Gymlib reduced the time spent on cash collection by 80% - [ADYOULIKE X Upflow](https://upflow.io/customers/adyoulike): How ADYOULIKE reduced their DSO by 160 days using Upflow - [Solar Screen X Upflow](https://upflow.io/customers/solarscreen): How Solar Screen cut 180-day past due invoices by 87% with Upflow - [Veraset X Upflow](https://upflow.io/customers/veraset): How Veraset reduced overdue payments by 50% ## Product Positioning Pages - [Accounts Receivable Automation Software](https://upflow.io/accounts-receivable-automation-software): Upflow is a Accounts Receivable Automation Software which helps you automate your AR collection in just a few clicks, and reduces unpaid invoices by 50%. - [Accounts Receivable Software](https://upflow.io/accounts-receivable-software): Upflow is an Accounts Receivable Software that automates invoice follow-ups, reduce manual tasks and gives you real-time insights into your cash flow. - [Accounts Receivable Solution](https://upflow.io/accounts-receivable-solutions): Upflow offers a powerful Accounts Receivable Solution to automate collections, improve visibility, and boost your cash flow. - [Accounts Receivable System](https://upflow.io/accounts-receivable-system): Upflow's Accounts Receivable System helps finance teams automate follow-ups, track payments, and reduce aging balances efficiently. - [Accounts Receivable Management Software](https://upflow.io/accounts-receivable-management-software): Upflow's Accounts Receivable Management Software streamlines collection efforts and improves cash flow across your finance operations. - [Payment Collection Software](https://upflow.io/payment-collection-software): Upflow's Payment Collection Software automates your payment collection process and reduces unpaid invoices by 50%. - [Collection Software](https://upflow.io/collection-software): Upflow's Collection Software automates your collection process to reduce late payments and improve team productivity. - [Debt Collection Software](https://upflow.io/debt-collection-software): Upflow’s Debt Collection Software helps you recover overdue payments faster, while maintaining strong customer relationships. ## Blog Posts - [Upflow Blog Homepage](https://upflow.io/blog/): Explore expert insights on AR automation, collections, and SaaS finance to help CFOs and finance teams improve operations, boost cash flow, and get paid faster. - [8 Best Practices to Improve Your Accounts Receivable (AR) Management](https://upflow.io/blog/ar-collections/accounts-receivable-management): Efficient and effective accounts receivable management optimizes your billing, payments, and collections process to minimize the time it takes to get paid. - [7 Ways to Improve Your Accounts Receivable (AR) Collections](https://upflow.io/blog/ar-collections/improve-accounts-receivable-collection): An efficient collections process saves you time and money. Follow these tips to improve your accounts receivable collections process. - [The 2 DSO Calculation Formulas: Which One to Choose?](https://upflow.io/blog/reduce-dso/dso-calculation-formula): Out of the 2 DSO formulas. The countback method is more accurate, but it is more time-consuming than the simple formula. Try our free DSO calculator now! - [Days Sales Outstanding (DSO): Meaning & Interpretation](https://upflow.io/blog/reduce-dso/calculate-dso): DSO is an important indicator of cash flow: it reflects how long it takes for your invoices to be paid by your customers. How do you calculate it? Read on to find out. - [Accounts Receivable (AR) Automation: How to Start & Tips](https://upflow.io/blog/ar-collections/accounts-receivable-automation): Theres a lot of misunderstanding around what accounts receivable automation is and how it can fuel a businesss financial health. Learn more about it here. - [Growfin vs. Upflow: Why Real-Time Data Matters More Than Ever](https://upflow.io/blog/accounting-software/growfin-vs-upflow): Real-time data matters. Upflow offers seamless ERP integrations, reliable AR workflows, and customer-centric automation to help your business get paid faster. - [Kolleno vs. Upflow: Finding the Right AR Solution for Your Business](https://upflow.io/blog/accounting-software/kolleno-vs-upflow): Which AR solution - Kolleno or Upflow - drives better cash flow and customer relationships? See why businesses choose Upflow. Try it free today! - [Yaypay automates AR, but here's why you need more in 2025](https://upflow.io/blog/accounting-software/yaypay-vs-upflow): Quadient Accounts Receivable by YayPay automates AR, but is it enough for 2025? Discover why Upflow's advanced FRM tools are essential for efficient growth and lasting customer relationships. - [Xero vs Sage: Which Fits Your Business Better?](https://upflow.io/blog/accounting-software/xero-vs-sage): Compare Xero and Sage to see which accounting software fits your business best. Discover key features, pricing, and regional suitability. - [Xero vs QuickBooks: Which Fits Your Business Better?](https://upflow.io/blog/accounting-software/xero-vs-quickbooks): Compare Xero and QuickBooks to see which accounting software fits your business best. Discover key features, pricing, and regional suitability. - [Fractional CFOs Explained: What They Do & How to Hire One](https://upflow.io/blog/saas-finance/fractional-cfo): Discover what a fractional CFO does, when to hire one, and how they can drive growth, with expert insights from startup fractional CFO Lauren Pearl. - [Average Collection Period: Formula, Interpretation & Tips](https://upflow.io/blog/ar-metrics/average-collection-period): Learn the meaning, formula, and interpretation of the average collection period with tips to enhance cash flow with efficient receivables management. - [Net Credit Sales: Formula, Calculation & Financial Insights](https://upflow.io/blog/ar-metrics/net-credit-sales): Learn how to calculate net credit sales with formulas and examples. Understand its impact on the balance sheet, AR turnover and other financial statements. - [Accounts Receivable Turnover Ratio: Formula & Tips](https://upflow.io/blog/ar-metrics/accounts-receivable-turnover-ratio): The formula for calculating the Accounts Receivable Turnover Ratio, why it matters for cash flow, and actionable tips to improve your collections process. - [Days Sales in Accounts Receivable (AR): Meaning & Formula](https://upflow.io/blog/reduce-dso/days-sales-in-accounts-receivable): Learn about the meaning of days sales in accounts receivable (AR). Find out how to calculate, interpret, and improve it for better financial management. - [Debtor Days: Formula, Interpretation & Tips to Reduce](https://upflow.io/blog/reduce-dso/debtor-days): There are 2 debtor days formulas: The most accurate is the countback method, but it is more time-consuming than the simple one. Keep reading to find out more - [NSF Checks: Meaning, Impact & Steps to Avoid Them](https://upflow.io/blog/financial-relationship-management/nsf-check): Learn what Non-Sufficient Funds (NSF) checks are, their financial impact, steps to take when you receive one, and how to avoid them in the future. - [ACH Credit vs ACH Debit: Differences, Uses & Examples](https://upflow.io/blog/business-to-business-payments/ach-credit-vs-ach-debit): Learn the key differences between ACH credit and ACH debit, their benefits, and best use cases to streamline business payments and improve cash flow. - [How to Use Invoice Financing (And When You Shouldnt)](https://upflow.io/blog/business-to-business-payments/invoice-financing): Thinking about invoice financing? Learn how it works, when to use it, key pros and cons, and why fixing AR first can cut your financing costs. - [What Is Bank Reconciliation? Importance, Template, & Examples](https://upflow.io/blog/business-to-business-payments/bank-reconciliation): Learn why bank reconciliation is important for error detection, fraud prevention & cash flow. See how tools like Upflow automate the reconciliation process. - [Bad Debt Expense: How to Calculate, Track, & Improve](https://upflow.io/blog/ar-metrics/bad-debt-calculation): Uncover key methods and formulas on how to calculate bad debt expense and gain actionable insights for accurate recording, tracking, and improvement. - [Past Due Invoice Email Templates to Get Paid Fast!](https://upflow.io/blog/payment-reminders/past-due-invoice-email-sample): Discover our tips and email templates to handle overdue or past due invoices. Learn effective strategies for sending personalized reminders and follow-ups. - [Past Due Notices: Tips & Templates for Late Payment Letters](https://upflow.io/blog/payment-reminders/past-due-notices): Discover strategies for writing effective past-due notices and explore our customizable late payment notice templates to streamline your collections process. - [How to write Past Due Invoice Emails that Will Get you Paid](https://upflow.io/blog/payment-reminders/past-due-invoice-email): The longer an invoice remains unpaid, the more likely it is to never be paid. That's why it's critical to send out top-notch past due invoice emails - [Dunning Letter: Meaning & Templates to Get Paid on Time](https://upflow.io/blog/ar-collections/dunning-letter): Discover the meaning and importance of dunning letters in collections, templates to write effective dunning letters and strategies to prevent overdue payments - [Collection Letter Templates & Strategies to Get Paid](https://upflow.io/blog/ar-collections/collection-letter): Discover effective collection letter templates and strategies to accelerate payment collection, and learn how to prevent late payments from the start. - [Collection Email Templates & Samples to Get Paid Faster](https://upflow.io/blog/payment-reminders/collection-emails): Discover effective collection email templates and strategies to get paid faster. Learn what makes a great email and check out our top templates for success. - [Top 5 SaaS Billing Software in 2025: Subscription & Recurring](https://upflow.io/blog/saas-finance/saas-best-billing-software): Having the right billing software is essential for your SaaS. But with so many solutions sprouting on the market, it can get overwhelming to know which one is right for your business. Read on to learn more about the best software to optimize your billing process - [Unapplied Credits: Why They Happen & How to Fix Them?](https://upflow.io/blog/accounting-software/unapplied-credits): Learn what unapplied credits are, why they occur, and how to fix or prevent them to keep your books accurate and your cash flow on track. - [ERP vs. CRM: Key Differences & How They Work Together](https://upflow.io/blog/accounting-software/erp-vs-crm): ERP & CRM streamline business, but what about finance? Learn their differences, benefits, and how Upflows Financial Relationship Management (FRM) solution fills the gap - [Integrated Payments: Boost Customer Experience & Efficiency](https://upflow.io/blog/financial-relationship-management/integrated-payments): Discover how integrated payments enhance customer experience, streamline processes, reduce errors and drive efficiency and growth for your business. - [5 Key Accounts Receivable Metrics to Assess Your AR Performance](https://upflow.io/blog/ar-metrics/accounts-receivable-metrics-ar-performance): Effective accounts receivable management can play a crucial role in your company's cash flow.Discover the 5 key metrics to track to improve your A/R performance. ## More Information - [Upflow's Pricing](https://upflow.io/pricing): Flexible pricing tailored to your needs. Manage your accounts receivable and unlock cash reserves with Upflow. - [Upflow Careers Page](https://upflow.io/careers): Join Upflow and help reshape how B2B businesses get paid. We are building a global team driven by curiosity, collaboration, and a mission to improve cash flow. - [Upflow's Commitment](https://upflow.io/commitment): At Upflow, we strive to be a positive force for society and the environment. We start small, learn continuously, and do our part to create sustainable impact. - [Upflow's Trust Center](https://upflow.io/security): Upflow prioritizes data security with best-in-class practices, SOC 2 Type 2 compliance, and transparent live scoring of our external security posture. - [Upflow's Help Center](https://docs.upflow.io/en-us): Find answers to your questions, explore product guides, and get the most out of Upflow with our help center resources and support. # Upflow Collections > Collect smarter with AI Collection Agents that scale your AR playbook. Turn collections into an intelligent, context-aware engine that runs multi-channel outreach across email, SMS, calls, and letters, while you own the strategy and agents handle the volume. Upflow's Collections engine replaces rigid, context-blind automation with AI Collection Agents that adapt to customer behavior, payment history, and active conversations. Finance, Sales, and Customer Success can collaborate on collections with full context, whether inside Upflow or in the tools they already use. ## Key Features - Collection Agents Run collection workflows ranging from fully autonomous to suggestion-only, with agent instructions built from six months of your own customer conversations. - Multi-channel outreach Reach customers across email, SMS, calls, and letters, with email open and read tracking and VOIP call transcripts and summaries. - AP Portal Agent Automatically submit invoices into customer AP portals; the agent logs in, fills in the invoice, runs its checks, and queues a draft for your review. - Relationship-aware messaging Send personalized, on-brand outreach informed by full account context, payment history, and active conversations, from your own domain rather than a "no-reply" address. - Automatic promise-to-pay and dispute detection AI detects and logs promise-to-pay dates and disputes directly from customer replies. - Cross-team collaboration A centralized AR inbox, @mentions with in-app, email, and Slack notifications, and unlimited users at no extra cost. ### FAQs Question: What are Collection Agents? Answer: AI Agents that run your collection workflows and handle customer replies. You assign an agent to a workflow, which carries your customer segmentation, and it works with full account context to reply, log promise-to-pay dates, and flag disputes. Question: How much control do I have over what the agents do? Answer: Each skill (replies, promise-to-pay, disputes) has its own mode: off, ask before sending, or fully autonomous, so you can start with suggestions and expand autonomy as trust builds. For replies, you add custom instructions in plain language, and Upflow can generate a starting set from your past conversations. Question: What happens when an agent is not sure how to reply? Answer: In autonomous mode, the agent sends only when it is confident. When confidence is low it hands the draft to a person to review, and for sensitive situations like cancellations, payment plans, disputes, or a frustrated customer, it escalates to a collector rather than sending. Question: Can Upflow handle invoices that need to go through customer AP portals? Answer: Yes. The AP Portal Agent takes on the manual work of submitting invoices into your customers' AP portals. You set it up once with triggers, and the agent logs in, fills in the invoice, runs its checks, and saves a draft. You get a task in your to-do list to review and submit, and you can track everything on the invoice timeline with a link straight to the portal. Question: How does Upflow keep outreach relationship-aware? Answer: Every message draws on payment history, account context from the Insights Agent, and active conversations on a unified customer timeline. Upflow detects and logs promise-to-pay dates and disputes, personalizes templates by segment, and sends from your domain rather than a "no-reply" address. ## Related Resources - [Collections Feature Page](https://upflow.io/features/cash-collection) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Analytics > Build your collection strategy with an Insights Agent that reasons alongside you. Get instant answers on customer health, cash forecasting, and AR performance with built-in, ready-to-use analytics, available the moment you sync your data. Upflow's Insights Agent turns your AR data into a collection strategy, surfacing at-risk accounts, forecasting cash based on real payment behavior, and explaining what is driving your collections performance, all without custom reports or a data team. ## Key Features - Ask Upflow A conversational interface to Upflow Intelligence for plain-language answers on customer health, cash inflows, and performance, and a control layer for directing your Upflow agents. - Automated risk scoring AI-powered risk intelligence surfaces at-risk accounts and deteriorating payment behavior automatically, with risk group filtering to focus collection effort. - Live AR data in your AI tools Access live AR data directly in Claude and ChatGPT via the Upflow MCP server. - Cash flow forecasting Forecast cash based on how customers really pay, using billing cohorts, promise-to-pay dates, and automatically detected disputes. - Performance analytics Track DSO, Best Possible DSO, CEI, and payment mix, with root-cause analysis and role-based dashboards and email reports. ### FAQs Question: What is the Insights Agent? Answer: The Insights Agent is Upflow's built-in analytics layer that turns your AR data into a collection strategy. It reasons alongside your team, surfacing at-risk accounts, forecasting cash based on real payment behavior, and explaining what is driving your collections performance, all available the moment you sync your data. Question: What is Ask Upflow? Answer: Ask Upflow is your conversational interface to Upflow Intelligence. Ask plain-language questions about customer health, cash inflows, and performance, and get answers grounded in your own data with risk analysis, forecasting, and root-cause explanations in one place. It also serves as the control layer for your collections, letting you shape strategy and direct how your Upflow agents operate through the same conversation. Question: How quickly can I get value after connecting my data? Answer: Insights are ready out of the box. Once you sync, you get 15+ pre-built analytic widgets and immediate access to risk intelligence, cash forecasts, and performance analytics, with no integrator-built reports or setup projects required. Question: Do I need custom reports or a data team to use this? Answer: No. Everything is pre-built and ready to use, so the cost of custom reports is $0. Teams that previously relied on expensive, integrator-built reporting can access the same risk and performance insights directly, without engineering or analyst support. Question: Can I share dashboards and reports with leadership and other stakeholders? Answer: Yes. Role-based dashboards let each stakeholder see the view scoped to their role, and you can schedule email reports to keep leadership and cross-functional partners aligned without manual updates. ## Related Resources - [Analytics Feature Page](https://upflow.io/features/analytics) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Payments > Launch online payments tailored to B2B customers. Enable your finance team to self-activate ACH, SEPA, BACS, and cards same-day with a branded portal that syncs to your ERP in real time. Upflow Payments is a next-generation payment engine built directly into your AR workflow. Customers pay through a portal that carries your brand, every transaction reconciles against your ERP in real time, and your finance team owns setup, payment methods, and routing from day one. ## Key Features - Branded payment portal A white-label portal ready out of the box, with custom domain support, branded email communications, and portal integration for your own apps and website. - Multiple payment methods Accept cards, ACH in the US, SEPA in Europe, BACS in the UK, and wire, with saved payment methods and autopay for recurring invoices. - Two-way ERP sync Automated real-time writebacks keep Upflow and your ERP aligned, with every payment reconciled automatically. - Payment intelligence Real-time payment analytics, payment mix optimization across methods, and built-in card fee surcharging. - Same-day self-service activation No-code payment activation with pre-built ERP connectors and guided setup, plus free migration from your legacy processor or gateway. ### FAQs Question: What is Upflow Payments? Answer: Upflow Payments is a next-generation payment engine built directly into your AR workflow. Your customers pay through a portal that carries your brand, every transaction reconciles against your ERP in real time, and your finance team owns setup, payment methods, and routing from day one. It unifies payments, collections, and reconciliation in one system, so getting paid becomes a single connected motion instead of a stack of disconnected tools. Question: Which payment methods can we offer? Answer: Cards, ACH in the US, SEPA in Europe, BACS in the UK, and wire, all from your branded portal. Customers save a payment method once and set up autopay for recurring invoices, and you decide which methods each customer segment sees. Question: How does it sync with our ERP? Answer: Two-way sync keeps Upflow and your ERP aligned in real time, with every payment written back automatically so reconciliation happens on its own. Question: Can we move over from our current processor? Answer: Yes. Upflow maps and migrates your existing setup for free so Upflow becomes the one portal your customers use. Where payment details cannot transfer directly, customers simply save their method again on their next payment. Question: Is Upflow Payments secure? Answer: Upflow Payments runs on Stripe infrastructure with PCI Service Provider Level 1 compliance, the highest level of payment security available. ## Related Resources - [Payments Feature Page](https://upflow.io/features/payments) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Cash Application > Match payments to invoices automatically with smart reconciliation. Connect your banks, match complex payment scenarios with the Cash App Agent, and sync reconciled transactions to your ERP in real time. The Cash App Agent matches incoming bank payments to your open invoices and reconciles them automatically. It pulls in transactions from your connected banks, applies the matches it is confident about, surfaces suggested matches for everything else, and writes reconciled cash back to your ERP. ## Key Features - Multi-bank connectivity Connect all your banks and aggregators for a unified transaction view, cross-referenced against customers and invoices. - Intelligent match suggestions Get automatic match suggestions based on customer behavior and invoice history, with an accuracy-first approach that applies clean matches automatically. - Complex payment matching Automatically match short pays, bulk payments, and partial payments using machine learning that adapts to payment patterns. - Exception workflow and audit trail A built-in exception workflow for ambiguous payments, with detailed match logs and a complete audit trail for every transaction. - Real-time ERP sync Reconciled payments sync to your ERP in real time with accounting adjustments, sync failure alerts, and automatic remittance capture from emails and PDFs. ### FAQs Question: What is the Cash App Agent? Answer: The Cash App Agent matches incoming bank payments to your open invoices and reconciles them for you. It pulls in transactions from your connected banks, applies the matches it is confident about automatically, surfaces a suggested match for everything else, and writes reconciled cash back to your ERP. Question: How does it decide what to match on its own? Answer: The agent is accuracy-first by design. When a payment maps cleanly to an invoice, it applies the match automatically. When anything is ambiguous, it holds back and surfaces a suggested match for your team to confirm in a click, rather than guessing and creating a mess to unwind later. Question: What happens when a payment arrives with missing or unclear remittance? Answer: The agent enriches incomplete bank references and captures remittance data from sources like emails and PDFs to resolve what each payment applies to. When it still cannot determine a match confidently, it routes the transaction into an exception workflow so your team can resolve it quickly. Question: Which banks can we connect? Answer: You connect your bank accounts through secure aggregator integrations and see every transaction in one unified view, across multiple banks and accounts, cross-referenced against your customers and invoices. Question: How does cash application speed up collections? Answer: When cash is applied in real time, your AR aging reflects what is actually still owed, so your team stops chasing customers who have already paid and can follow up on genuinely overdue invoices sooner. Reconciliation stops being the bottleneck that holds up the rest of your AR process. ## Related Resources - [Cash Application Feature Page](https://upflow.io/features/cash-application) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Intelligence > The reasoning layer powering your Upflow agents. Trained on how your customers behave and how your team works, Upflow Intelligence brings focused intelligence to every step from invoice to cash. Upflow Intelligence is the reasoning layer behind three specialized agents: the Insights Agent, the Collections Agent, and the Cash App Agent. Each is trained on your account history and payment behavior to bring focused intelligence to a different part of the AR workflow. ## Key Features - Insights Agent Deep intelligence on the accounts in your portfolio. Pulls customer context together, surfaces root causes of late payment automatically, and provides conversational access to your AR data, from questions to strategy. - Collections Agent The operational core of your AR workflow. Turns payment behavior and customer intent into prioritized, well-timed outreach, with autonomy controls ranging from suggestion-only to fully autonomous, and routes complex accounts to the right person when judgment is needed. - Cash App Agent Precision matching down to the last open item. Matches payments to open items, surfaces exceptions for unapplied cash and edge cases, and writes reconciled payments back to your ERP in real time. ## Related Resources - [Upflow Intelligence Page](https://upflow.io/upflow-intelligence) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Integration with NetSuite > Discover Upflow's native integration with NetSuite. Upflow is a certified NetSuite SDN SuiteApp — secure, scalable, and built for real-time AR automation. Simplify your AR processes and improve cash flow management seamlessly with full ERP compatibility. Upflow’s NetSuite integration is officially certified and listed on the NetSuite Marketplace. Designed for enterprise-grade scale and compliance, this SuiteApp enables seamless two-way syncing of key AR data between NetSuite and Upflow — including invoices, payments, contacts, and custom fields — to power real-time collections and accurate reconciliation. ## Key Features - Certified NetSuite SDN SuiteApp Built for NetSuite and available directly via the SuiteApp Marketplace. - Real-time two-way sync Automatically syncs new and updated records while minimizing API usage. - Smart reconciliation Payments collected in Upflow are pushed back to NetSuite in real time. - Multi-subsidiary support Works with NetSuite OneWorld for group-level and entity-level AR workflows. - Custom field compatibility Supports native and user-defined fields for segmentation, automation, and analytics. - Automated late fees and discounts Apply and sync fees or discounts with full auditability. ### FAQs Question: What makes Upflow’s NetSuite integration different from other AR tools? Answer: Upflow is a certified NetSuite SuiteCloud Developer Network (SDN) Partner, and its native SuiteApp is available directly in the NetSuite Marketplace. Unlike third-party connectors or custom-built APIs, this integration is officially supported, secure, and built to scale, offering real-time, two-way synchronization for payments, invoices, contacts, and more. Question: How does the real-time sync between NetSuite and Upflow work? Answer: Upflow performs an initial full sync of your AR history, followed by incremental real-time updates of only new or modified records — minimizing NetSuite API load while keeping your data accurate. Syncs are optimized to respect NetSuite concurrency limits and avoid performance issues. Payments collected via Upflow are automatically pushed back to NetSuite, ensuring financial accuracy at all times. Question: What kind of NetSuite data is synced to and from Upflow? Answer: Upflow imports a wide range of financial objects from NetSuite, including customers, invoices (including drafts and pending approvals), credit memos, contacts, and custom fields. It also syncs back payments, deposits, journal entries, classifications, and late fee invoices into NetSuite, enabling seamless financial reconciliation. Question: Can Upflow handle multi-subsidiary NetSuite setups? Answer: Yes. Upflow supports NetSuite OneWorld and recommends a 1:1 subsidiary-to-organization setup, with the option to create a parent organization for consolidated reporting. You can sync multiple subsidiaries using the same integration credentials and tailor AR workflows by subsidiary, ensuring clear separation and management across entities. Question: Can I use NetSuite custom fields to personalize my AR workflows in Upflow? Answer: Absolutely. Upflow supports a wide range of customer, invoice, and contact-level custom fields from NetSuite — including native and user-defined fields like dropdowns, checkboxes, dates, and classification fields. These fields enable Smart Rules, analytics filtering, workflow assignment, and segmentation, helping you tailor your AR approach with precision. Question: Does Upflow support online payments and reconcile them in NetSuite? Answer: Yes. With Payments by Upflow, customers can pay directly from the portal via card, ACH, or SEPA. These payments are immediately recorded in NetSuite as customer payments, deposited automatically to the appropriate bank GL account, and reconciled along with fees and failed payments — all without manual intervention. Question: Can Upflow apply late fees or early payment discounts and sync them to NetSuite? Answer: Yes. Upflow automates both late fees and early payment discounts for NetSuite users: - Late payment fees: You can configure recurring fees based on overdue duration (e.g., weekly or monthly) and a percentage value (e.g., 3%). These fees are automatically invoiced in Upflow and written back to NetSuite as separate invoices using a designated line item. - Early payment discounts: Using Payments by Upflow, you can reward early payers by offering a discount (e.g., 3% if paid within 10 days) on invoices settled online via card or direct debit. The discount is automatically applied in the customer portal, highlighted with a savings badge, and synced back to NetSuite as a credit note. Both are fully automated and ensure your NetSuite records stay accurate. ## Related Resources - [NetSuite Integration Page](https://upflow.io/integrations/netsuite) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Integration with QuickBooks Online > Enhance your accounts receivable automation by connecting Upflow to QuickBooks Online. This integration enables near real-time financial syncing, streamlined collections, and full visibility into your cash flow—all while keeping QuickBooks as your system of record. Upflow’s QuickBooks Online integration lets finance teams supercharge AR operations in minutes. By syncing key data like invoices, customers, payments, and journal entries, Upflow unlocks automation and visibility for collection workflows—without disrupting your existing accounting stack. ## Key Features - 5‑Minute Setup Connect to QuickBooks Online via a secure OAuth login—no IT required. - Real‑Time Sync Invoices, customers, payments, deposits, and journal entries sync every 10 minutes. - Collections Management Handle customer outreach, workflows, and follow‑ups directly in Upflow. - Payment Write‑Back Automatically push online payments (card, ACH, SEPA, BACS) back into QuickBooks to reconcile invoices. - Custom Field Mapping Import select QuickBooks fields into Upflow to tailor segmentation and analytics. ### FAQs Question: How easy is it to set up the QuickBooks Online integration with Upflow? Answer: Setup takes less than 5 minutes. Simply create an Upflow account, click “Connect to QuickBooks”, authorize access with your admin credentials, and you're ready to sync. Upflow’s OAuth‑based connection ensures a secure, hassle‑free onboarding experience—no technical setup required. Question: What data is synced between QuickBooks Online and Upflow, and how often? Answer: Upflow syncs your invoices, customers, payments, deposits, and journal entries from QuickBooks Online every 10 minutes. This near real‑time sync ensures your AR workflows are powered by up‑to‑date financial data—no manual exports needed. Question: Can I manage collections and customer interactions directly within Upflow? Answer: Yes. You can fully manage your collections workflows, contacts, notes, and follow‑ups within Upflow. While core financial data flows from QuickBooks Online to Upflow, payments collected through Upflow are written back to QuickBooks for reconciliation. Question: Will payments collected through Upflow show up in QuickBooks Online? Answer: Yes. Payment write‑back pushes any payments collected through Upflow (including card, SEPA, ACH, and BACS) directly into QuickBooks, reconciling the related invoices and eliminating duplicate work. Question: Can I use my QuickBooks Online custom fields in Upflow? Answer: Upflow supports importing a subset of QuickBooks custom fields, such as company name, sales terms, and delivery methods. These fields help tailor segmentations, workflows, and analytics dashboards to your business. Question: How secure is the Upflow <> QuickBooks Online integration? Answer: Upflow is SOC 2 Type 2 certified, ensuring enterprise-grade data protection and compliance. Your financial data remains encrypted and secure at every sync, while custom configuration options allow you to control exactly what gets imported. ## Related Resources - [QuickBooks Integration Page](https://upflow.io/integrations/quickbooks) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Integration with Sage Intacct > Integrate Upflow with Sage Intacct to streamline your accounts receivable operations and gain real-time visibility into your cash flow. This native two-way integration ensures financial data flows securely and automatically—no manual steps, no data silos. Upflow’s Sage Intacct integration allows finance teams to automate collections, track receivables in real time, and sync key financial data without duplicating processes across systems. With custom field mapping, write-back support, and flexible configuration options, the integration adapts to your existing accounting structure. ## Key Features - 10‑Minute Setup Easily connect with API authentication, no manual exports or custom dev required. - Real‑Time Two‑Way Sync Invoices, payments, journal entries, and classifications flow in both directions. - Collections Hub Manage dunning, reminders, segmentation, and payments entirely within Upflow. - Configurable Integration Customize field mapping, GL accounts, and exclusion rules to match your Intacct setup. - Enterprise‑Grade Security SOC 2 Type 2 certified, with encrypted data transfer and role‑based access control. ### FAQs Question: How does Upflow integrate with Sage Intacct? Answer: Upflow’s native integration with Sage Intacct enables a seamless, real-time sync of your accounts receivable data. Once connected, invoices, payments, customer data, and journal entries flow effortlessly between the two platforms—no manual exports or data duplication required. Question: What setup is required to connect Upflow with Sage Intacct? Answer: Connecting Sage Intacct to Upflow takes around 10 minutes. You’ll just need to use API key authentication. Once done, the integration is fully secure and ready to sync your AR data in real time. Question: Will Upflow sync payment data and other financial information back into Sage Intacct? Answer: Yes. Unlike one-way connectors, Upflow offers two-way sync with Sage Intacct. This means that not only does Upflow import your open invoices and customer records, but it also writes back payments, payment methods, journal entries, and classifications to your Intacct environment—giving you full financial visibility. Question: Do I need to maintain my AR workflows inside Sage Intacct after connecting Upflow? Answer: Not at all. Once integrated, Upflow becomes your hub for collections. You can build advanced, automated workflows, customize reminder cadences, segment customers, and even collect payments, all without needing to revert to manual dunning inside Sage Intacct. Question: Is the integration customizable to our financial structure in Sage Intacct? Answer: Absolutely. Upflow allows you to tailor the integration to your needs. You can map custom fields, GL accounts, and payment methods, apply exclusion rules to ignore non-relevant data, and ensure that your AR sync fits your business logic precisely. Question: Is the Sage Intacct integration secure and compliant? Answer: Yes. Upflow is SOC 2 Type 2 certified and built with enterprise-grade security. Your Sage Intacct data is encrypted and accessed only via secure, permission-based APIs using the Web Services user role you define. You retain full control over the data flow. ## Related Resources - [Sage Intacct Integration Page](https://upflow.io/integrations/sage-intacct) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Integration with Zuora > Discover Upflow's native integration with Zuora. Simplify your subscription billing and accounts receivable operations by syncing Zuora with Upflow. Gain real-time financial visibility, automate your AR workflows, and improve your cash flow performance. The Upflow <> Zuora integration brings powerful automation and financial accuracy to subscription-based businesses. By connecting Zuora’s billing system with Upflow’s collections engine, you unlock the ability to streamline operations, enrich customer interactions, and accelerate payments—without manual effort. ## Key Features - Fast and secure connection Connect using OAuth credentials and start syncing data within minutes. - Two-way sync Push payments and financial updates from Upflow back to Zuora automatically. - Real-time data visibility Invoices, payments, and customer data always up to date. - Custom mapping and control Configure GL accounts, field mappings, and exclusion rules to match your workflow. - Secure and compliant Built on SOC 2 Type 2-certified infrastructure with encrypted data exchange. ### FAQs Question: What steps are required to connect my Zuora account to Upflow? Answer: Connecting Zuora to Upflow is quick and secure. You'll create a new API user in your Zuora account, generate OAuth credentials (Client ID and Secret), and input them in Upflow. The process takes about 10 minutes, after which your AR data begins syncing automatically. Question: What happens after I connect Zuora to Upflow? Answer: Once integrated, you’ll complete your Upflow onboarding by customizing your settings, configuring workflows, and optionally enabling online payments via your customer portal. You’ll remain in test mode until you’re ready to go live—giving you time to validate your setup before launching to customers. Question: How does the Zuora integration with Upflow help streamline our AR process? Answer: Upflow’s native integration with Zuora ensures your invoices, payments, and customer data are always in sync. This eliminates manual data entry, reduces the risk of errors, and enables real-time cash flow insights—critical for streamlining collections and accelerating payment cycles. Question: Does Upflow offer two-way sync with Zuora? Answer: Yes. Unlike tools that only pull data, Upflow offers two-way integration with Zuora. That means key financial updates like payments are sent back into your Zuora instance, keeping your accounting records fully enriched and up to date. Question: Is the Zuora integration customizable to fit our specific AR workflows? Answer: Absolutely. You can tailor your integration to fit your business needs by configuring custom data mappings, GL accounts, and exclusion rules. This ensures you only sync the data that matters most and align your AR processes with your internal logic. Question: How secure is the Zuora-Upflow integration? Answer: Security is a top priority at Upflow. Our Zuora integration is built with SOC 2 Type 2-certified infrastructure and leverages OAuth authentication for secure data exchange. Your financial data is encrypted and fully compliant with industry regulations. ## Related Resources - [Zuora Integration Page](https://upflow.io/integrations/zuora) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Integration with Xero > Discover Upflow's native integration with Xero. Connect Upflow with Xero for seamless AR automation. Improve cash collection and financial accuracy effortlessly through real-time data syncing and streamlined collections workflows. The Upflow <> Xero integration allows finance teams to gain real-time visibility into outstanding receivables, reduce manual work, and automate the entire collections process — all while keeping Xero as the source of financial truth. Setup is quick, secure, and requires no technical expertise. ## Key Features - 5-minute setup Connect with Xero instantly using secure login credentials. - One-way sync from Xero Automatically imports invoices, payments, and customer records. - Centralized collections Manage follow-ups, workflows, reminders, and notes directly in Upflow. - Contact-level filtering Only relevant customer records are imported — no suppliers or archived entries. - Real-time updates Stay current with every sync — no manual exports needed. - Enterprise-grade security SOC 2 Type 2 certified infrastructure and encrypted data exchange. ### FAQs Question: How quickly can I get started with the Xero integration? Answer: Setup takes less than 5 minutes. Simply sign up for Upflow, select Xero as your integration, enter your Xero credentials, and you're good to go. A full AR history sync will begin, followed by real-time updates. You can stay in test mode until you're ready to go live. Question: Why should I connect Upflow to Xero? Answer: Connecting Upflow to Xero ensures your invoices, customers, and payment data are always up to date — powering accurate, real-time collection workflows. With this integration, you eliminate manual data entry, reduce errors, and gain better visibility into your cash flow, helping your team accelerate collections and improve customer relationships. Question: How does the Upflow <> Xero integration work? Answer: Upflow syncs your AR data one-way from Xero: meaning invoices, payments, and customer records are always pulled in from Xero and reflected in Upflow in real time. You’ll manage your collections, contacts, workflows, reminders, and notes within Upflow, while financial record updates remain centralized in Xero. Question: Which contacts from Xero are imported into Upflow? Answer: Upflow imports only Xero contacts (Xero "contacts" refer to customers or suppliers, while "contact persons" are the individuals associated with those entities) that are flagged as customers. This means the contact must either be marked as a customer in Xero or have at least one accounts receivable invoice. If the contact is marked as supplier only or is archived, it will not be imported into Upflow. Question: How secure is the Upflow <> Xero integration? Answer: Upflow is SOC 2 Type 2 certified, ensuring enterprise-grade data protection and compliance. Your financial data remains encrypted and secure at every sync, while custom configuration options allow you to control exactly what gets imported. ## Related Resources - [Xero Integration Page](https://upflow.io/integrations/xero) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Integration with Chargebee > Discover Upflow's native integration with Chargebee. Streamline your billing and AR processes by connecting Chargebee to Upflow. Improve operational efficiency, cash flow visibility, and customer communications in minutes. The Upflow <> Chargebee integration enables automated syncing of billing and receivables data, allowing finance teams to centralize AR operations while maintaining Chargebee as the source of truth for subscriptions. With real-time updates and flexible workflows, collections become faster, smarter, and fully data-driven. ## Key Features - Real-time data sync Customers, invoices, credit notes, refunds, and payments synced every few minutes. - Two-way payment sync Payments flow back to Chargebee, ensuring accurate reconciliation. - Easy, no-code setup Connect using your Chargebee namespace and API key—no developer required. - Full control over AR Manage collections, notes, segmentation, and workflows in Upflow. - Custom field support Import Chargebee custom fields to drive automation and personalization. - Secure and compliant SOC 2 Type 2 certified with encrypted sync and access control. ### FAQs Question: How does the integration between Chargebee and Upflow work? Answer: Upflow syncs your customers, invoices, credit notes, refunds, and payments from Chargebee every few minutes. The integration is designed to pull in all the data needed to power your AR workflows, while payments are synchronized bidirectionally, allowing for real-time updates on both ends. Question: Is the setup process technical or time-consuming? Answer: Not at all. Setting up the integration takes just a few minutes. You’ll simply create your Upflow account, enter your Chargebee Namespace, and connect using an API key. No code or developer assistance is required. Question: Can I manage collections and customer communications within Upflow after connecting to Chargebee? Answer: Yes. Once your Chargebee data is synced, you can fully manage your collection workflows, customer segmentation, notes, and follow-up actions directly in Upflow. This gives you control over AR operations while Chargebee remains your billing and subscription management platform. Question: How are contacts handled when syncing from Chargebee to Upflow? Answer: Upflow automatically creates a main contact using your Chargebee customer’s name, email, and phone number. It also imports additional contacts from billing addresses and contact objects in Chargebee, giving your collections team accurate contact information for every account. Question: Can I use Chargebee custom fields in Upflow to personalize AR workflows? Answer: Absolutely. You can import a wide range of Chargebee custom fields like subscription plans, account IDs, checkboxes, dates, and dropdowns into Upflow. These fields can be used to segment customers, assign account managers, configure workflows, and tailor your dunning strategies with precision. Question: How secure is the Upflow <> Chargebee integration? Answer: Upflow is SOC 2 Type 2 certified, ensuring enterprise-grade data protection and compliance. Your financial data remains encrypted and secure at every sync, while custom configuration options allow you to control exactly what gets imported. ## Related Resources - [Chargebee Integration Page](https://upflow.io/integrations/chargebee) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Integration with Stripe Billing > Discover Upflow's native integration with Stripe Billing. Optimize your payment collections, manage AR efficiently, and improve cash flow visibility with real-time sync and intelligent automation. The Upflow <> Stripe Billing integration enables finance teams to connect Stripe’s flexible billing infrastructure with Upflow’s powerful AR workflows. From real-time invoice syncing to automated payment reconciliation, the integration ensures your receivables process is streamlined, up to date, and completely code-free. ## Key Features - Instant, no-code setup Connect your Stripe account securely in just a few clicks. - Real-time sync Customers, invoices, and payments are kept up to date continuously. - Payment write-back Payments collected via Upflow are marked paid in Stripe—even if indirect linking is required. - Smart invoice visibility Only actionable invoices are shown in Upflow—drafts excluded, statuses preserved. - Metadata and custom fields Sync Stripe metadata and fields like delinquent status and tax location for advanced segmentation. - Secure and compliant OAuth-based access with encrypted data handling and SOC 2 Type 2 certification. ### FAQs Question: Is the Stripe Billing integration easy to set up? Answer: Absolutely. After creating your Upflow organization, simply click “Connect” and authorize Stripe access. The integration requires only a few permissions and takes just minutes to initiate. Once connected, the sync begins automatically, with no coding or custom setup required. Question: How does the integration between Stripe Billing and Upflow work? Answer: Upflow connects directly to your Stripe Billing account to import customers, invoices, and payments. After an initial sync, all relevant data is updated in real time, keeping your AR process current and accurate—without manual exports or API management. Question: What happens when customers pay invoices via the Upflow portal? Answer: Payments made through the Upflow portal are automatically written back to Stripe. While Stripe’s API doesn’t allow linking payments directly to a specific invoice, Upflow ensures the invoice is marked paid out of band, helping you keep Stripe records in sync without disrupting your accounting flow. Question: Will all my Stripe invoices show up in Upflow automatically? Answer: Most active invoices from Stripe are synced into Upflow in real time, so your AR team always has access to accurate, up-to-date data. To keep your workflow focused, draft invoices are excluded, while voided and uncollectible invoices are imported with the appropriate statuses—ensuring only relevant and actionable invoices appear in your collections process. Question: Can I sync Stripe metadata or custom fields into Upflow? Answer: Yes. You can import Stripe metadata as custom fields in Upflow for customers, invoices, and payments. Additionally, native Stripe fields like default payment method, delinquent status, and tax location can be added directly from Upflow’s custom fields section for more granular reporting and workflow customization. ## Related Resources - [Stripe Billing Integration Page](https://upflow.io/integrations/stripe-billing) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow Integration with Pennylane > Discover Upflow's native integration with Pennylane. Sync your accounting data in real time and run modern B2B collections on top of modern accounting. Gain instant AR visibility, automate collection workflows, and give customers a best in class online payment experience. The Upflow <> Pennylane integration connects your accounting system with Upflow's collections engine, giving finance teams real time data sync, instant AR visibility, and advanced collection workflows built for modern B2B businesses. Pennylane remains your source of truth for accounting, while Upflow becomes the layer where your team runs collections. ## Key Features - Real time data sync Customers, contacts, and invoices sync instantly to Upflow, so your team always works with data it can trust. - Instant AR visibility Pre built dashboards surface DSO, ageing, and collection performance in real time, helping your team spot risks early and act before invoices go overdue. - Advanced collection workflows Collection sequences adapt to each customer's context, risk, and overdue stage, strengthening customer relationships while collecting at scale. - Best in class online payment experience Customers view balances, manage disputes, and pay via card, direct debit, or autopay, giving them a modern, branded B2B payment experience. - Secure and compliant Built on SOC 2 Type 2 certified infrastructure, with all financial data encrypted and safeguarded at every step of the sync. ## How It Works Step 1: Sign up for Upflow Create your Upflow account and select Pennylane as your accounting source. Step 2: Connect in three clicks Click "Connect to Pennylane," log in with your admin credentials, and authorise. Upflow's secure OAuth flow handles the rest. Step 3: Sync your data Upflow automatically imports your customers, invoices, contacts, and payments. Data refreshes every ten minutes. Step 4: Go live Configure your collection workflows, invite your team, and start collecting the same day. ## FAQs Question: What data syncs between Pennylane and Upflow? Answer: Upflow imports your customers, contacts, invoices, and credit notes directly from Pennylane. Once that data is in Upflow, you get a complete, accurate view of your accounts receivable built on the same numbers your accounting team already trusts. Question: Does Pennylane stay my source of truth? Answer: Yes. Pennylane remains the system of record for your finances, while Upflow becomes the layer where your team runs collections. You can manage collection workflows, contacts, notes, and follow-ups entirely inside Upflow without changing anything in Pennylane. Question: How long does it take to connect, and how does it work? Answer: Setup takes minutes. You create your Upflow account, select Pennylane as your accounting source, then authorise access with your admin credentials through Upflow's secure OAuth flow. Data begins importing automatically, and teams can start collecting the same day they sign up. Question: Can my customers pay through Upflow? Answer: Yes. Customers get a modern, branded B2B payment portal where they can view balances, manage disputes, and pay by card, direct debit, or autopay. Pennylane continues to hold your accounting records, and Upflow keeps your AR accurate by recognising invoices as they are marked paid. Question: Is my financial data secure? Answer: Yes. The integration is protected by SOC 2 Type 2 certification, and all financial data is encrypted and safeguarded at every step of the sync. ## Related Resources - [Pennylane Integration Page](https://upflow.io/integrations/pennylane) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow API > Discover the Upflow API, a developer-first way to connect any system to Upflow or layer custom logic onto your native integration. Sync customers, invoices, contacts, and payments, feed AR data into your data warehouse, and automate escalation actions with a fully authenticated REST API. The Upflow API gives finance and engineering teams open architecture and total flexibility. It's built for teams ready to bring any system into Upflow or extend a native integration with custom logic, whether that means feeding AR data into a warehouse, creating support tickets from disputes, or automating escalation actions. ## Key Features - Connect any system Bring a homegrown or unsupported billing system into Upflow through a fully documented REST API. - Layer custom logic onto native integrations Use the API alongside integrations like NetSuite or QuickBooks to enrich records with custom fields, manage dunning plans, and connect Upflow events to other tools. - Sync core AR data Work with customers, contacts, invoices, credit notes, payments, and custom fields, with referential integrity enforced across records. - Feed data warehouses and BI tools Export customer, invoice, and payment data to Snowflake, BigQuery, Redshift, Looker, Tableau, or Power BI. - Secure and compliant Every request is authenticated with an API key and secret, scoped to your organisation, with financial data encrypted in transit. ## API in Action - Feed AR data into your data warehouse Export customer, invoice, and payment data to Snowflake, BigQuery, or Redshift. - Create support tickets from disputes Disputes logged in Upflow automatically open tickets in Intercom or Zendesk. - Automate escalation actions Suspend customer access to merchant apps as a collection escalation step. - Power executive dashboards Push AR metrics into Looker, Tableau, or Power BI for leadership visibility. ## How It Works Step 1: Generate your API credentials Create your API credentials in Upflow settings to securely authenticate your integration. Step 2: Explore the documentation Review the interactive API reference, test endpoints in the sandbox, and explore example requests. Step 3: Build your integration Use the REST API to sync key data such as customers, invoices, payments, and contacts between Upflow and your systems. Step 4: Launch and optimise Deploy your integration to production, monitor usage, and continue extending it as your workflows evolve. ## FAQs Question: What can I build with the Upflow API? Answer: The REST API lets you connect any system to Upflow and layer custom logic onto your setup. Teams commonly use it to push customers, invoices, contacts, and payments from a homegrown or unsupported billing system, feed AR data into a warehouse like Snowflake, BigQuery, or Redshift for reporting, open support tickets in tools like Zendesk or Intercom when a dispute is logged, and trigger escalation actions such as restricting app access at a certain collection stage. Question: How do I authenticate, and where do I get credentials? Answer: Every request is authenticated with two headers, X-Api-Key and X-Api-Secret. Administrators generate these credentials from the Settings menu under API, and you can create separate keys for each environment so testing stays isolated from production. Question: What data can I sync, and in what order? Answer: You can work with customers, contacts, invoices, credit notes, payments, and custom fields. Upflow enforces referential integrity, so a customer must exist before the invoices, contacts, credit notes, or payments that reference it. The recommended order is customers first, then contacts, then invoices and credit notes, and finally payments. Question: Can I use the API alongside a native integration? Answer: Yes, and this is a common pattern. When your financial data already flows in through a native integration such as NetSuite or QuickBooks, the API sits on top to extend it, letting you enrich records with custom fields, manage dunning plans, read data for reporting, and connect Upflow events to your other tools. Question: Is the API secure? Answer: Yes. It is a public but fully authenticated API, so every request requires your API key and secret, and access is scoped to your organisation. Financial data stays encrypted and protected in transit. ## Related Resources - [Upflow API Integration Page](https://upflow.io/integrations/api) - [Help Center](https://docs.upflow.io/en-us) --- # Upflow - Financial Relationship Management (FRM) > Faster Payments. Stronger Customer Relationships. Efficient & Profitable Growth. > Transition from chasing invoices to engaging customers. The new era of accounts receivable is here with Financial Relationship Management by Upflow. Financial Relationship Management (FRM) empowers finance teams to create personalized, timely, and efficient experiences throughout the payment process — just like a CRM, but for finance. It’s a shift from transactional AR to relationship-driven AR that improves cash flow, reduces churn, and positions finance as a growth driver. ## What is Financial Relationship Management? FRM is here to meet the needs of B2B businesses in the post-hypergrowth era. Like a CRM for Finance, FRM empowers you to speak to your customers as individuals, tailoring the payment experience to them and ensuring you're reaching the right person at the right time and place — specifically within the finance pillar of the customer journey. The era of easy VC money is over. Today, investors demand more reliability and proof of product-market fit. Profitability, not growth at all costs, is key. While other teams focus on customer engagement, Finance has often overlooked the customer behind the invoice. It's time for Finance to lead business growth by engaging customers throughout the experience. Upflow helps you manage and optimize this financial interface. ## 3 Layers of Value - Faster & more efficient payments with less effort Spend less time chasing overdue invoices and reduce your DSO. Get a clear understanding of how to improve your cash collection process and win back time to focus on strategic work. - Better relationships with customers through a frictionless and positive payment experience Upflow is bringing the B2C payment experience to B2B. All the modern payment methods your customers know and use in our daily lives, coupled with advanced tools that help you manage your customer relationships in the finance pillar. - Increased growth through improved cashflow and better customer retention When a customer pays you, they're having a 'customer experience'. Yet, often payment and Accounts Receivable is treated like a purely technical process. It's time to use it as a lever in delighting your customers, making it seamless and conflict-free. ## Get Paid Faster, Keep Customers Happier - Analytics Understand your cash collection performance through DSO and CEI reports tracked in real-time. Use advanced reports to find out who's at risk and act on it. Measure your collection rate and quickly determine the status of your cash flow. - Collections Manage all of your invoicing and payments in one place. Create dedicated collection campaigns based on account type, persona, age of invoice, and more. Team collaboration and customer communication in one single place. - Payments Enable modern and flexible payment methods. Give your customers the option to choose the one they prefer. Give your customers peace of mind, knowing how much they owe you and when it’s due at all times. Provide an easy communication line with your customers via their portal to avoid disputes. ### FAQs Question: What is Financial Relationship Management (FRM) in Upflow? Answer: FRM is Upflow’s next-generation approach to accounts receivable, a “CRM for Finance.” It combines collections workflows, analytics, and modern payments in a single platform, turning financial touchpoints into customer relationship opportunities. Instead of chasing invoices manually, finance teams can deliver personalized, 1-to-1 experiences that make payments faster, easier, and more positive for customers. Question: How does FRM help me get paid faster and reduce DSO? Answer: With Upflow FRM, you can: - Automate reminders across email, SMS, calls, and tasks with Smart Rules that adapt to customer type, payment behavior, or invoice age. - Offer modern payment methods (card, ACH, direct debit, etc.) directly in your branded customer portal. - Track progress with real-time metrics like Days Sales Outstanding (DSO) and Collection Effectiveness Index (CEI). By combining automation, flexibility, and visibility, FRM helps you recover cash faster while freeing up your team from manual chasing. Question: How does FRM strengthen customer relationships? Answer: Every payment is a customer experience. With FRM, customers get: - A self-service payment portal where they can view invoices, see balances, and pay instantly. - Flexible options like partial payments, Autopay, or early payment discounts (when enabled). - A clear communication channel to resolve questions or disputes directly with your team. This frictionless experience builds trust, reduces churn, and helps finance become a growth partner, not just a back-office function. Question: What makes FRM different from traditional AR automation tools? Answer: Traditional AR tools optimize efficiency but overlook the customer. FRM is unique because it: - Integrates collections, payments, and analytics into one system of record. - Focuses on customer experience with modern, B2C-like payment flows. - Enables segmentation and personalization through Smart Rules and workflows tailored to account type, risk profile, or geography. - Provides collaboration features like @mentions and Slack notifications so finance, sales, and customer success stay aligned. FRM doesn’t just reduce late payments, it helps finance teams actively contribute to retention and growth. Question: How does FRM integrate with my ERP or accounting system? Answer: Upflow’s FRM offers two-way integration with leading ERPs and accounting software (like NetSuite, QuickBooks, and Xero). This means: - All invoices, payments, and credit notes sync automatically. - Payments collected in the portal are matched and written back to your ERP in real time. - Reconciliation and payout sync keep your books accurate without manual re-entry. - Customization options let you configure GL accounts, exclusion rules, and parent/child account structures. FRM fits seamlessly into your existing finance stack while enhancing its capabilities. Question: Who benefits most from using FRM? Answer: FRM is built for B2B companies that want to thrive in the era of efficient growth. It’s especially valuable for: - Finance teams managing complex portfolios or long payment cycles. - Businesses with recurring billing models looking to improve predictability. - Organizations that want to reduce DSO while also improving customer retention. By centralizing collections, payments, and analytics — and delivering a positive customer experience, FRM empowers finance leaders to drive both efficiency and profitable growth. ## Related Resources - [FRM Page](https://upflow.io/finance-crm-software) - [Help Center](https://docs.upflow.io/en-us)