Have you ever seen 90% of your cash applied without a human touch?
Explore our AI agents—extraction, matching, exception handling, and posting—turning incoming payments into reconciled cash automatically.
THE PROBLEM
Cash application teams struggle with manual and error-prone reconciliation, fragmented remittance and bank data, and high unapplied cash balances. This leads to delayed invoice closure, revenue leakage, increased costs, and customer dissatisfaction, despite significant effort from finance teams.
High reconciliation cost
High unapplied cash balances
Manual and error-prone
Delays in reconciliation
Poor visibility into deductions, and remittances
Customer dissatisfaction due to misapplied payments
Revenue leakage and write-offs caused by incorrect matching
THE SOLUTION
Hyperbots Cash Application Co-Pilot automates the end-to-end cash application lifecycle with 80%+ straight-through processing (STP). It uses finance-trained AI agents for remittance and bank statement extraction, intelligent payment matching, exception handling, GL coding, and ERP posting—reducing unapplied cash, reconciliation effort, and improving accuracy.
KEY BENEFITS
Cash Application Co-Pilot reduces unapplied cash to less than 10% and lowers reconciliation costs by up to 80% using Hyperbots’ document reconciliation AI agents that are pre-trained for 99.8% accuracy.
80%
Reconciliation Cost
10%
Unapplied Cash %
Average Days to Apply Cash
Customer Satisfaction
Revenue Leakage/Writeoffs
AR Ageing Accuracy
Key Functional Capabilities of Hyperbots Cash Application Co-Pilot
Credit & Deduction Management
Identifies valid credits, promotional deductions, chargebacks, and pricing differences and applies or routes them appropriately.
KPIs & Outcome Tracking
Tracks unapplied cash %, STP rate, average days to apply cash, reconciliation cost, write-offs, and accuracy metrics.
Unified Cash & Remittance Intelligence Layer
Single, real-time view of bank statements, lockbox files, remittance advices, customer payments, invoices, credits, deductions, and unapplied cash across ERPs and entities.
AI-Driven Payment Matching & Application
Finance-trained AI automatically matches payments to invoices & remittances using invoice numbers, PO references, amounts, dates, customer behavior, and historical patterns—even with incomplete or noisy remittance data.
Higher STP through Autonomous Cash Application Agents
AI agents automatically apply cash, post adjustments, close invoices, and update AR without manual intervention, achieving high straight-through processing.
Document & Remittance Reconciliation Agents
Pre-trained reconciliation agents parse and reconcile bank statements, lockbox files, emails, PDFs, and portals with 99.8% accuracy.
Exception & Short-Payment Intelligence
Automatically detects short-payments, overpayments, deductions, and unidentified cash, classifies root cause, and routes exceptions for resolution.
Closed-Loop ERP Cash Posting
Automatically posts cash applications, adjustments, write-offs, and credits back to the ERP with full validation and controls.
GL Coding & GL Posting
AI-driven GL coding and automated posting for cash, deductions, write-offs, and recoveries aligned with ERP COA structures.
Multi-Source Payment Ingestion
Supports bank feeds, lockboxes, ACH, wires, checks, portals, and email remittances in a unified workflow.
Unapplied Cash Reduction Engine
Continuously works unapplied and partially applied cash to reduce balances to below 10%.
Customer & Invoice Context Awareness
Uses customer payment behavior, historical patterns, and invoice context to improve matching accuracy over time.
Multi-Entity & Multi-Currency Support
Native support for multi-entity, multi-subsidiary, and multi-currency environments.
Custom Fields Support
Supports ERP-specific and company-specific custom fields without breaking automation.
Pre-Trained Finance AI Models
Ready-to-deploy, finance-trained models—no customer model training required.
Notifications & Alerts
Real-time alerts for unapplied cash, unmatched payments, exceptions, and posting failures.
Flexible Workflow Configuration
Configurable workflows for exceptions, approvals, escalations, and write-offs without custom development.
Auditability & Compliance Trail
Complete, time-stamped audit trail of every payment, match decision, exception, and AI action.
Key General Capabilities of Hyperbots Cash-Application AI Co-pilot
Unlimited access
Enjoy unlimited user access with no per-seat licensing—enabling seamless collaboration and effortless scalability across your organization.
Industry specific
Hyperbots provides industry-specific finance AI with customizable workflows, document handling, and tax validation—ensuring accurate, compliant processing tailored to sector-specific needs across industries like manufacturing, retail, healthcare, logistics, and more.
Company specific
Hyperbots enables no-code customization for company-specific needs—adapting workflows, ERP integrations, GL structures, and business rules through Agentic AI to ensure seamless alignment with organizational processes and finance operations.
Integrations
Hyperbots integrates seamlessly with ERPs, procurement platforms, and other enterprise systems—enabling real-time, secure, and scalable data exchange to power end-to-end AI automation across finance and operations
24X7
Hyperbots Co-pilots run 24x7—automating invoice workflows, monitoring tasks, and alerting humans only when needed. This ensures uninterrupted operations, faster turnaround, and continuous productivity across finance and procurement teams.
Human-in-the-loop
Hyperbots Co-pilots enable human-in-the-loop collaboration through exception handling, approval workflows, and contextual insights—ensuring control, transparency, and continuous learning where human judgment adds value.
Process specific
Powered by Agentic AI, Hyperbots Co-pilots deliver process-specific automation through domain-trained models and collaborative agents—ensuring scalability, precision, and efficiency across finance operations like invoicing, approvals, and GL coding.
Self learning
Hyperbots Co-pilots use self-learning AI to adapt to company-specific workflows, improve accuracy over time, and continuously align with changing business rules, exceptions, and process variations—driving smarter automation with every interaction.
Intelligence elements
Built on the Agentic AI platform, Hyperbots Co-pilots combine OCR, LLMs, VLMs, MOE, reasoning, redaction, math interpretation, and predictive engines to deliver intelligent, efficient automation across complex finance workflows.
Functional elements
Hyperbots Co-pilots offer functional elements like workflows, notifications, security, analytics, SSO, audit trails, user portals, permissions, and observability—ensuring secure, configurable, and auditable operations across teams and systems.
Ready to deploy
Hyperbots Co-pilots are ready-to-deploy, no-code solutions with pre-trained AI agents and native ERP connectors—enabling rapid, customized setup without third-party integrations or development overhead.
AI-native
Hyperbots Co-pilots are AI-native by design—built from the ground up for finance automation, delivering purpose-built precision, transformative productivity, and measurable value across accounting, invoicing, and approval workflows.
Process before and after Hyperbots Cash Application Co-Pilot
Tasks
Before (No Automation)
After (Automation with other players)
After (Hyperbots Co-pilot)
Pulling customer and invoice data from ERP
Done by Human
Done by APIs
& Files
Done by APIs
Reading remittance emails
Done by Human
Done by Human
Done by AI
Pulling bank feeds/sttatements
Done by Human
Done by APIs
& Files
Done by APIs
& Files
Payment Matching Agent
Done by Human
Done by Human
& Software
Done by AI
Document extraction agent for statements
Done by Human
Done using Rules
Done by AI
STP %
0%
<50%
60% - 90%
Exception & Short-Payment Intelligence
NIL
Minimal
High
Credit & Deduction Management
Done by Human
Done by Human
& Software
Done by AI
& Human
ERP Writing
Done by Human
Done by APIs
& Files
Done by APIs
Comparison with Competition
Tasks
Competition
Hyperbots
Cost reduction in the process
20%-40%
60%-80%
Unapplied Cash
Reduced to 40%
Reduced to 10%
Unified Cash & Remittance Intelligence Layer
Partially Automated
Fully Automated
Remittance Extraction AI agent
Partial
Yes
Bank Statement Extraction AI agent
Partial
Yes
Extraction Accuracy
60%-80%
99.80%
Intelligent Matching Agent
Rule based
AI
Pre-trained models
No
Yes
FAQs: Cash Application Co-Pilot
How is Hyperbots different from competing cash application tools?
Unlike rule-based competitors, Hyperbots is AI-native, finance-specific, pre-trained, and fully agentic—delivering higher automation, 99.8% accuracy, lower unapplied cash (<10%), and 60%–80% cost reduction.
Can the platform handle multiple payment sources and entities?
Absolutely. It supports bank feeds, lockboxes, ACH, wires, checks, portals, and email remittances, with native multi-entity and multi-currency support across ERPs.
Does the solution integrate fully with ERPs and the general ledger?
Yes. Hyperbots supports closed-loop ERP integration, automated GL coding and posting, custom fields, multi-entity environments, and real-time API-based writeback to the ERP.
How are short-payments, deductions, and exceptions handled?
The Cash Application Co-Pilot automatically detects short-payments, overpayments, deductions, and unidentified cash, classifies root causes, and routes exceptions through configurable workflows for faster resolution.
What level of automation (STP) can be achieved?
Hyperbots typically achieves 60%–90% straight-through processing (STP), compared to less than 50% with other automation tools and near-zero automation in manual environments.
How does Hyperbots handle incomplete or messy remittance data?
The platform uses finance-trained AI models that match payments using multiple signals—invoice numbers, PO references, amounts, dates, customer behavior, and historical patterns—even when remittance data is incomplete or noisy.
How accurate is Hyperbots’ cash application and reconciliation?
Hyperbots’ document and remittance reconciliation AI agents are pre-trained and deliver 99.8% accuracy, significantly outperforming rule-based or partially automated solutions.
How much cost reduction can finance teams expect?
Organizations typically see up to 80% reduction in reconciliation costs by eliminating manual matching, spreadsheet work, and repetitive exception handling through autonomous AI agents.
How does the Cash Application Co-Pilot reduce unapplied cash?
Hyperbots uses AI-driven payment matching, document reconciliation agents, and a continuous unapplied cash reduction engine to systematically match, apply, and resolve payments—reducing unapplied cash to below 10%.
What problems does the Hyperbots Cash Application Co-Pilot solve?
It solves high reconciliation costs, large unapplied cash balances, manual and error-prone matching, delayed reconciliation, poor visibility into deductions and remittances, customer dissatisfaction from misapplied payments, and revenue leakage caused by incorrect matching.
Why Hyperbots Agentic AI Platform?
Finance specific
Hyperbots Agentic AI platform specializes exclusively in finance and accounting intelligence, leveraging millions of data points from invoices, statements, contracts, and other financial documents. No other platform has such large pretrained models on F&A data.
Best-in-class accuracy
Hyperbots achieves 99.8% accuracy in converting unstructured data to structured fields through a multimodal MOE model integrating LLMs, VLMs, and layout models. With contextual validation and augmentations, the platform ensures 100% accuracy for deployed agents.
Synthesis of unstructured and strutured finance data
Hyperbots agents emulate finance professionals to autonomously perform F&A tasks by reading and writing data like COA, expenses, and vendor masters from core accounting systems and integrating it with unstructured data from financial documents such as invoices, POs, and contracts.
Pre-trained agents with state of the art models
Hyperbots' Agentic platform, pre-trained on millions of financial documents like invoices, bills, statements, and contracts, ensures seamless integration, high accuracy, and adaptability to any accounting content, form, layout, or size from day one.
Company specific inference time learning
Hyperbots' Agentic platform employs state-of-the-art Auto ML pipelines with techniques like reinforcement learning to enable inference-time learning for tasks such as GL recommendation and cash outflow forecasting, ensuring continuous improvement and adaptability.
Ready to take the next steps?
Book a demo with one of our Financial Technology Consultants to get started!