They all start from an invoice.
We start from the money.
RemindLedger™ sends a payment request first: what you have, what you owe and what you are going to have — all three confirmed by your bank instead of typed into a ledger. Invoice-On-Payment™ is what makes the third one true: the invoice is issued only once the money lands, so it is born paid and there is no receivable to chase.
In plain terms: automated cash application and payment reconciliation for US and Canadian small businesses on QuickBooks Online, Xero, Sage, FreshBooks or Odoo. RemindLedger matches incoming ACH, Zelle, wire and check payments to what you are owed, straight from your bank feed, and issues the invoice once the money is there — so unapplied cash never reaches your books.
Built and running end to end. Private beta now open for US & Canada.
The mechanism
What triggers the invoice?
Not collections software. Not accounting. Not banking. Send a payment request. When your bank confirms the money, the invoice is issued - already paid.
For as long as anyone has billed, the order has been the same: issue the invoice, then wait. The receivable is born the instant you send it - and everything that follows exists only to undo something you created on purpose. The reminder. The aging report. The follow-up call. The discount to get paid sooner. The write-off. An entire industry sells you better tools for chasing money you already decided to lend.
RemindLedger inverts that order. Nothing gets recorded until the money has actually moved. In billing, the mechanism that enforces it is Invoice-On-Payment™: the invoice is issued only once the bank confirms the money, so it is born paid. There is no receivable, so there is nothing to age, chase, discount or write off. Your books close themselves, because every entry is backed by a settled bank transaction instead of a promise someone typed in.
You choose per customer: the invoice is issued after payment, or a normal invoice settles itself the moment the bank confirms.
On top of that mechanism runs an AI layer: AI Senior watches your balances, payments, payables and payroll and brings you proposals - accept, postpone or reject - and AI Junior answers questions about the numbers in plain English. It reasons over money the bank already confirmed, which is data no forecasting tool has. Useful, and entirely optional: turn it off and your invoices are still born paid.
The money trilogy
It needs all three. One connection is not enough: three realities of your money live in three separate systems, and only together do they tell you where you actually stand.
The money you have
Your bank account, live. Not the version your accounting app copied 6 hours ago - the actual balance, right now.
The money you owe
Monday payroll, rent, vendors. Lives in your ERP and payroll system. We read it, we don't move it.
The money you're going to have
Payments the bank already confirmed, each with its settlement date. Installments in flight. Not a forecast - money that already moved.
The trick is uniting the three. When the system knows what you have, what you owe, and what you're going to have - at the same time - you don't need to guess anymore. The critical moment becomes visible before it hits.
Everyone else builds that third number by forecasting from your ledger. We read the money. And when the moment comes the button is already there: invoice, collect, adjust. Without opening 5 apps. Without calling your bookkeeper.
Invoice-On-Payment
The invoice is only issued after the bank confirms the payment - eliminating manual reconciliation, credit memos, and tax adjustments. It works for any business that bills, whatever the industry.
Match-On-Bank™
The event Invoice-On-Payment stands on. Every incoming payment is validated against your own bank and matched to the invoice that funded it - automatically, with exceptions surfaced in seconds.
< 3s
Per reconciliation
All in
Bank coverage
0
Credentials stored
We eat our own dog food. Every dollar that flows through our own books goes through the same Invoice-On-Payment™ pipeline we ship.
How it works
Three steps from bank connection to reconciled invoice.
Authorize through regulated partners
You authorize access through licensed financial partners. Credentials never leave them; we never see or store them.
Match-on-Bank™ resolves every deposit
Each confirmed deposit is resolved to the invoice that funded it - automatically. Exceptions surface in seconds for human review.
Your accounting system stays current
Agent-on-Sync™ closes the loop with your accounting system - no manual entry, no copy-paste, no end-of-month cleanup.
Supported payment types
Compare
They forecast from your ledger. We read the money.
Bill.com and Chaser build their numbers from invoices you already issued — one holds your money while it chases, the other charges enterprise prices to chase. Every figure they show you is a promise from your ledger. Ours come from your bank.
Bill.com
$45–$150+
per user / mo
Ledger promise · money passes through them · per-transaction fees on top
Chaser
$259–$1,199
per month
Ledger promise · you still reconcile every payment yourself
RemindLedger
$59–$549
flat, per company
Bank-verified · invoices born paid · your money never touches us
Works with the accounting system you already use.
Whether your books live in the cloud or behind your firewall, Agent-on-Sync™ keeps them current with what is happening at the bank - without you re-keying, exporting CSVs, or migrating.
Vertical add-ons
Does your industry bill in installments?
Invoice-On-Payment™ works for any business that bills, whatever the industry. If your billing model runs on installments, an optional add-on extends it. If not, you never see it.
Delivery-On-Payment™
Installment plans that run themselves.
The customer pays in installments and every payment is bank-verified by Invoice-On-Payment™. When the plan completes, delivery releases and one final invoice is issued - born paid.
Ready to put the money first?
Private beta access for US & Canada teams. Bank-confirmed workflows and verified setup included.
Join the private betaRemindLedger is financial operations software, not a debt collector. Security & compliance →