For agencies

A/R automation for agencies on Xero.

Built for 5-30 person agencies and consultancies on Xero. Tone-aware AI reminders that draft, route, pause on reply, and track promised-pay dates. Founder-assisted setup, no per-invoice fees, $79/mo for a single business and $399/mo for a practice covering up to 10 client books.

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Pause on reply. Always.

Agency clients pay slowly, not never. When they reply to a reminder, Mugavi pauses the sequence and surfaces the conversation for human follow-up. The worst thing an A/R tool can do is double-chase a customer who is already paying.

Tone matches the relationship.

Strategic accounts get friendly. New clients get firm. Long-overdue accounts get a final-touch before human handoff. Tone rules are per-customer and per-customer-stage: you set them once, Mugavi follows them.

Leaves your important accounts to you.

Some customers should never get an automatic reminder. Pause a strategic account until a date you choose, or until you resume, and handle it yourself. Disputed invoices, and any invoice with an unread customer reply, stay out of the schedule too.

Why agencies pick Mugavi over Chaser and BILL

Built for the SMB agency long tail.

Chaser is templated reminders starting around $259/mo for one organization. BILL bundles AP, AR, and spend at $49 per user/month plus transaction fees. Neither is wrong: they're just priced and positioned for different teams. Mugavi prices per client book, which works out near $40/mo a book for a practice.

One Xero organization, unlimited invoices, $79/mo.
Approval mode is the default. You choose when, or whether, to switch to automatic sending.
Tone-aware AI writes each reminder; you edit before sending.
Reply-or-pay pause: the sequence stops the moment a customer responds.
Disputes auto-classified; the customer never sees another embarrassing generic chase.
4-week cash-flow forecast, based on payment history and promised pay dates.

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Agency A/R questions

How much time will this save an agency?: It depends on how many invoices you chase, and we do not yet have customer data to quote a number. What changes is the kind of work: Mugavi drafts each reminder and you review a queue and approve it, instead of writing every email from scratch. You can see what it would send before you rely on it.
How does Mugavi handle project milestone invoices?: Each invoice, whether a recurring retainer or a project milestone, follows the schedule for its customer. You choose the timing and tone of every step, and customer groups let you put milestone customers on a separate schedule from retainer customers. A customer with several overdue invoices gets one reminder that lists them.
Will Mugavi send reminders to clients we want to keep close?: Only if you let it. Every reminder waits for your approval by default, and you can pause automatic reminders for any customer, until a date you choose or until you switch them back on. While a customer is paused, Mugavi drafts nothing for them.
Does this work for agencies on net-30 or net-60 terms?: Both. Reminders are timed from each invoice's due date, which comes from Xero, so a net-60 invoice is not chased at day 30. You set the steps and their tone, and a customer group can have its own schedule with a longer gap before the firm stage.
How does Mugavi handle retainer continuity disputes?: When a customer replies "we cancelled the retainer last month," Mugavi classifies the reply as a blocker (not a promise-to-pay), pauses reminders on that invoice, and surfaces it in your disputes worklist so the team can resolve the dispute (often: confirm the cancellation date, update Xero, and write off or refund as needed).

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A/R automation for agencies on Xero.

Built for the SMB agency long tail.

One Xero organization, unlimited invoices, $79/mo.

Approval mode is the default. You choose when, or whether, to switch to automatic sending.

Tone-aware AI writes each reminder; you edit before sending.

Reply-or-pay pause: the sequence stops the moment a customer responds.

Disputes auto-classified; the customer never sees another embarrassing generic chase.

4-week cash-flow forecast, based on payment history and promised pay dates.

Agency A/R questions

How much time will this save an agency?

It depends on how many invoices you chase, and we do not yet have customer data to quote a number. What changes is the kind of work: Mugavi drafts each reminder and you review a queue and approve it, instead of writing every email from scratch. You can see what it would send before you rely on it.

How does Mugavi handle project milestone invoices?

Each invoice, whether a recurring retainer or a project milestone, follows the schedule for its customer. You choose the timing and tone of every step, and customer groups let you put milestone customers on a separate schedule from retainer customers. A customer with several overdue invoices gets one reminder that lists them.

Will Mugavi send reminders to clients we want to keep close?

Only if you let it. Every reminder waits for your approval by default, and you can pause automatic reminders for any customer, until a date you choose or until you switch them back on. While a customer is paused, Mugavi drafts nothing for them.

Does this work for agencies on net-30 or net-60 terms?

Both. Reminders are timed from each invoice's due date, which comes from Xero, so a net-60 invoice is not chased at day 30. You set the steps and their tone, and a customer group can have its own schedule with a longer gap before the firm stage.

How does Mugavi handle retainer continuity disputes?

When a customer replies "we cancelled the retainer last month," Mugavi classifies the reply as a blocker (not a promise-to-pay), pauses reminders on that invoice, and surfaces it in your disputes worklist so the team can resolve the dispute (often: confirm the cancellation date, update Xero, and write off or refund as needed).