Capability note: the live site grounds AR aging tie-outs, aged-item flags, one-to-many deposit matching, Stripe payout-to-deposit matching and invoice/payment sync from Xero, QuickBooks and Zoho Books. Cash application to open invoices and customer-level matching are not described anywhere on the live site. They are written below with. Collections, dunning and credit management are deliberately left out. Confirm the scope with product before publishing.
What is accounts receivable automation?
Short answer: Accounts receivable automation uses software to record, match and reconcile what customers owe and pay: applying cash to invoices, tying the AR aging to the general ledger and flagging aged or disputed items. Yoraito focuses on the accounting side of AR, with written matching rules and saved SQL behind every number.
What does Yoraito automate in AR?
| AR task | What Yoraito does | Evidence kept |
|---|---|---|
| AR reconciliation | Ties the AR aging total to the AR control account every close | Query behind both totals; difference and items |
| Aged items | Flags items over your threshold (e.g. 90 days), with owner and first-seen date | Aging query; owner; status |
| Deposit matching | Matches bank deposits to the receipts behind them, including one deposit covering several payments | Matching rule recorded on every match |
| Payment processor payouts | Matches Stripe payouts to bank deposits; flags disputed and refunded charges | Payout, deposit and fee lines with query IDs |
| Subscription revenue | Reconciles Stripe subscription revenue events against recognized revenue schedules | Rollforward query |
| Cash application to open invoices | Proposes which open invoices a receipt pays, using amount and reference rules | Rule, invoices, remainder |
| Unapplied cash | Lists receipts not applied to an invoice, for a person to resolve | Item list with owner |
What is cash application automation?
Short answer: Cash application automation matches incoming payments to the open invoices they pay and records any short-pay, overpay or unapplied amount. Good automation records why each payment was applied the way it was, so the AR balance can be defended. In Yoraito, application rules are written down and every match records its rule.
Which payments are hard to apply, and how are they handled?
| Situation | Usual problem | In Yoraito |
|---|---|---|
| One deposit pays several invoices | Manual splitting | One-to-many matching rule |
| A processor deposit is net of fees | Deposit never equals sales | Gross-to-net bridge: charges, refunds, fees, payout |
| Customer short-pays | Balance left open with no note | Remainder shown as an open item with owner |
| No remittance reference | Guesswork | Sent to a person with suggested invoices; never auto-applied |
| Refund or chargeback | Missed until month-end | Flagged from Stripe for review |
What will auditors accept for AR?
Auditors test that the AR aging agrees to the GL, that cash receipts were applied to the right customers and periods, and that allowances are supported by the aging. They look for a completeness check on the receipts population and a reviewer who isn't the preparer. Yoraito keeps the query behind every total, the rule behind every match and separate preparer and reviewer sign-offs.
How does Yoraito compare with other AR approaches?
| Spreadsheet AR rec | AR or collections platform | Yoraito | |
|---|---|---|---|
| Main job | Tie aging to GL by hand | Invoicing, collections, customer portal | Prove AR and cash in the close |
| Matching logic visible | Formulas | In the product | Written rule on every match |
| Payout-to-deposit bridge | Manual | Varies | Built in for Stripe |
| Auditor reperformance | Rebuild | Export | Rerun the saved SQL |
| Collections and dunning | No | Yes | No |
Which systems does it work with?
Invoices and payments from QuickBooks, Xero and Zoho Books; bank deposits from Plaid; payouts, charges and subscription events from Stripe. → Integrations