Automated accounts receivable chasing in Dublin (2026)

The verdict in three sentences

For an SME with 12 million EUR of revenue in Dublin, moving from a 68 to a 45-day DSO releases about 750,000 EUR of cash, that is 12 million EUR divided by 365 and multiplied by 23 days. Custom automation of tiered reminders and bank reconciliation costs 6,000 to 15,000 EUR excluding VAT and goes live in 6 weeks. Against Upflow or Agicap, custom wins when the ERP is specific, when chasing rules vary by customer or when the subscription exceeds 5,000 EUR a year.

Why DSO stays high in SMEs

In most SMEs, chasing depends on one accountant who spends half a day a week on it, when time allows. Invoices 10 days late are not chased, disputes never reach sales and incoming transfers are matched by hand three to five days late. Management does not know its real position and funds working capital with an overdraft at 5 to 6 % a year. Under Irish late payment rules (European Late Payment Directive), commercial terms default to 30 days and statutory interest plus a fixed compensation of 40 to 100 EUR per invoice can be claimed.

The automated chasing sequence

Reconciliation relies on bank feeds (PSD2 APIs or CAMT.053 statements) and a matching engine on amount, reference and customer name. An 85 to 95 % automatic matching rate is realistic after 2 months of tuning.

Custom, Upflow or Agicap: 2026 comparison

Indicative 2026 subscription ranges observed for SMEs with 5 to 30 million EUR of revenue; vendors adjust prices to invoice volume.

Mini case study

Aoife, CFO of a building supplies distributor in Dublin (12 million EUR of revenue, 1,400 invoices a month), has a 68-day DSO. She chooses a custom automation at 11,000 EUR excluding VAT, connected to her Sage 200 ERP and two banks. After 6 months, DSO drops to 45 days: 23 fewer days of receivables, about 756,000 EUR of cash. At her 5.5 % overdraft rate, the saving in finance costs reaches close to 41,600 EUR a year. The accountant also gets back 6 hours a week of matching and chasing. The project pays back in just over 3 months.

FAQ

How much does accounts receivable automation cost in Dublin in 2026?

A custom project costs 6,000 to 15,000 EUR excluding VAT depending on the ERP and number of banks. Recurring hosting and maintenance sit between 100 and 200 EUR a month.

How much can DSO be reduced?

A 15 to 25-day reduction within 6 months is common when reminders start at D+3. On 12 million EUR of revenue, each day gained is worth about 33,000 EUR of cash.

Do automated reminders damage customer relationships?

Not if the tone escalates gradually and disputes pause the sequence. The account manager is alerted at D+10 and keeps control of strategic accounts.

Does reconciliation work with every bank?

Yes through PSD2 APIs or CAMT.053 statements offered by AIB, Bank of Ireland and most European banks. Allow 1 to 2 days of setup per additional bank.

Do we need to change ERP?

No: the module plugs into Sage, Xero, Business Central, Odoo or an industry ERP through an API or scheduled export. Budget 1,500 to 4,000 EUR for a connector to an ERP without an API.

Let's scope your project. Send us your DSO, invoice volume and ERP: we will price the chasing, reconciliation and cash released, with a 6-week schedule. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.