· Reviewed by Nimra Khalid
What is accounts receivable outsourcing?
Accounts receivable outsourcing means a remote team manages the money your customers owe you: tracking invoices from issue to payment, sending statements and reminders, logging disputes, and reporting aging and days sales outstanding. The provider works inside your accounting software under your brand. You keep the customer relationship and decide on credits, holds and escalations.
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Accounts receivable: what we do and how it runs
Accounts receivable outsourcing means a remote team manages the money your customers owe you: tracking invoices from issue to payment, sending statements and reminders, logging disputes, and reporting aging and days sales outstanding. The provider works inside your accounting software under your brand. You keep the customer relationship and decide on credits, holds and escalations.
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What it is
Accounts receivable outsourcing means a remote team manages the money your customers owe you: tracking invoices from issue to payment, sending statements and reminders, logging disputes, and reporting aging and days sales outstanding. The provider works inside your accounting software under your brand. You keep the customer relationship and decide on credits, holds and escalations.
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What you get
One named AR specialist working the aging every week, in your software
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How it runs
Statements, reminders and calls under your brand through DunningDesk
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Discovery call
A 20-minute call to map your customers, payment terms, current aging, who chases today and which accounts are sensitive. We agree what a good outcome looks like in DSO terms.
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A named accountant, a backup and a team lead
Inside your own software, on a fixed close calendar, with a reply from a person within 1 business day. Call +1-657-777-0006 or start a quote.
Get a custom quote 06 / 06
Who it is for
Owner-operators
You invoice on 30-day terms, get paid in 60, and only chase when cash gets tight. You want someone working the aging every week so you do not have to.
Finance managers
Your bookkeeper posts payments but nobody owns follow-up, disputes or statements. You want an AR desk that reports DSO and tells you which accounts need a decision.
Agencies and care providers
Home care agencies, staffing firms and marketing agencies carry large receivables from a few payers. A slow payer can take a month of payroll with it, so early, structured follow-up matters.
What's included
- Weekly AR aging review by customer, invoice and days overdue
- Customer statements sent monthly or on request
- Reminder cadence by email, SMS and phone under your brand
- Dispute and short-payment log with reason codes and owners
- Promise-to-pay tracking and follow-up on the promised date
- Payment posting and unapplied cash cleared weekly
- Credit hold and escalation recommendations for your decision
- Customer portal and remittance queries answered by email
- Credit notes and write-off requests prepared for your approval
- Monthly DSO, aging bucket and collection-rate report
- AR sub-ledger reconciled to the general ledger every month
- Handover notes so your backup specialist can step in without a gap
Deliverables and KPIs
| Deliverable | KPI we report | Cadence |
|---|---|---|
| Aging worked | Every invoice past due has a logged action within 5 business days | Weekly |
| Statements issued | Every open account receives a statement on the agreed date | Monthly |
| Dispute log | Every dispute has a reason code, an owner and a next step | Weekly |
| Cash posted | Unapplied cash below 1% of receipts at month-end | Weekly |
| AR reconciliation | AR sub-ledger ties to the general ledger with zero unexplained variance | Monthly |
| AR report | DSO, over-90 balance and collection rate with month-on-month movement | Monthly |
KPIs are what we measure and report, agreed per engagement. Service-level commitments are set in your agreement.
How it works
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Discovery call
A 20-minute call to map your customers, payment terms, current aging, who chases today and which accounts are sensitive. We agree what a good outcome looks like in DSO terms.
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Access and aging review
You grant accountant access to your software and a branded mailbox or phone line. We review every open invoice, clean the customer contacts and hand you a first aging analysis within 48 to 72 hours.
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Dedicated AR specialist assigned
A named specialist, a backup and a team lead take over the weekly cycle. Your DunningDesk cadence is agreed in writing: what goes out, when, and in whose name.
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Weekly cycle and monthly report
Reminders, statements and calls run each week; payments are posted and disputes logged. Each month the AR sub-ledger is reconciled and you receive a DSO and aging report under our Two-Tier Review.
Software we work in
How much does accounts receivable cost?
Accounts receivable management is priced as a share of a dedicated AR specialist's time, sized by the number of open invoices, customers and the cadence you want, or per invoice for high-volume, low-touch billing. There is no setup fee and engagements run month-to-month. Pricing depends on volume and scope, so we send a custom quote within 1 business day.
What moves the quote
- Number of open invoices and active customers each month
- Cadence and channels: email only, or email plus SMS and phone
- Dispute volume and how much documentation each one needs
- Whether cash application and payment posting are included
Market benchmarks
| Market | Typical range | Source |
|---|---|---|
| US | Dedicated offshore AR and accounting staff $8 to $35 per hour all-inclusive; US-based $40 to $75 per hour; in-house bookkeeper $6,000 or more per month loaded | Madras, Acculink, Rose Talent; RadCity, UseCalcPro (2026) |
| UK | Bookkeeping and credit control support £20 to £55 per hour; in-house £24.7k to £32.1k salary plus 15% employer NI | UK provider pricing surveys (2026) |
| Australia | Bookkeeping and AR support A$40 to A$100 per hour; fixed-fee packages A$300 to A$1,500 per month | Australian bookkeeping fee surveys (2026) |
Third-party ranges for orientation, not our prices.
Get a custom quote No setup fee. Month-to-month.
Accounts receivable for your industry
Case study
90+ day AR down 62%
Case studyCutting 90+ day AR by 62% for a home-care agency
A home-care agency in the Midwest billed a mix of Medicaid waiver programs, managed-care plans, long-term care insurance and private-pay families. Claims went out, but nobody owned the follow-up. Denials sat in the clearinghouse, family invoices were sent once and forgotten, and the 90+ day bucket grew every month. The agency engaged LedgerBPO for home-care billing, accounts receivable and AR follow-up calls. A named billing specialist, a backup and a team lead worked inside the agency's scheduling software, clearinghouse and QuickBooks Online. Over the engagement the 90+ day AR balance fell by 62%. The agency did not add staff, change payers or switch software. It added a team whose only job was to bill cleanly and follow every unpaid claim and invoice to a resolution.
Security and compliance
- We never take payments or store card details; customers pay through your portal or bank
- MFA on every login, least-privilege access, and a per-client access log
- Outbound contact follows TCPA and FDCPA-aware scripts in the US and local rules elsewhere
Full control list on the security page and country rules on the compliance page. Certifications are listed only when held.
Frequently asked questions
How much does accounts receivable outsourcing cost?
Pricing depends on volume and scope, and we send a custom quote within 1 business day. As a market reference, dedicated offshore AR and accounting staff cost $8 to $35 per hour all-inclusive, against $40 to $75 per hour for US-based staff and $6,000 or more per month for a loaded in-house hire (Madras, Acculink, Rose Talent; RadCity, 2026). Most SMBs need a part-time share of one specialist.
Is this a third-party service?
No. This is first-party accounts receivable management under your brand: statements, reminders and courteous calls from your own AR desk, before an invoice is ever seriously overdue. We do not buy receivables, take assignment of them, or contact your customers as a third party. Accounts that need escalation beyond that are handed back to you with the full contact history.
Which AR tools do you work in?
QuickBooks Online and Xero for the ledger, plus Chaser or Invoiced if you use them for reminders and customer portals. We also work in Zoho Books, FreshBooks, Bill.com receivables and Stripe invoicing. If you have no reminder tool, we run the cadence from a branded mailbox and your accounting file.
How will customers know the reminders come from us and not you?
They will not, and that is the point. Every email, SMS and call goes out in your company's name, from your domain or phone number, using wording you approve. The AR specialist is introduced as part of your accounts team. You can listen to call recordings where local law allows.
What does the monthly AR report include?
Days sales outstanding, the aging by bucket with month-on-month movement, the over-90-day balance by customer, collection rate, open disputes with owners, promises to pay outstanding, and recommended credit holds or write-offs for your decision. It arrives with the month-end close if we also keep your books.
Can you make phone calls, or only send emails?
Both. Email and SMS reminders cover the early buckets, and phone follow-up starts at the point you choose, usually seven to fourteen days past due. Calls follow TCPA and FDCPA-aware scripts in the US, and PECR, ACMA and CRTC rules in the UK, Australia and Canada. See our accounts receivable calling services page for the call cadence.
How do you handle disputes and short payments?
Each one is logged with a reason code, the supporting documents are gathered, and it is routed to the person on your side who can decide. The invoice is tagged in the ledger so it drops out of reminders while it is being resolved. Resolved disputes re-enter the cadence or receive a credit note, and the pattern is reported so recurring causes can be fixed at the billing stage.
Do you also post the payments?
Yes. Payments received by bank, card, check or lockbox are matched to invoices weekly and unapplied cash is worked until it is under 1% of receipts. Larger volumes or ERA and lockbox files move to our cash application service, which uses the ReconBot matching workflow.
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