How does AI cash application handle partial payments?

Tesorio's Cash Application Agent uses ML models trained on your payment history to match partial payments accurately. It considers customer patterns, invoice amounts, remittance data, and payment terms to resolve even complex multi-invoice payments automatically.

Can it handle multi-entity or multi-currency payments?

Yes. Tesorio supports multi-entity, multi-currency environments natively. Cash application works across entities, and FX conversions are handled automatically using your ERP's exchange rates.

What happens when the AI can't match a payment?

Unmatched payments are routed to an exceptions workspace with AI-suggested matches ranked by confidence score. Your team reviews suggestions in a streamlined interface, and the system learns from every correction to improve over time.

How does this integrate with our bank feeds?

Tesorio connects to your bank via Plaid for real-time transaction feeds, and also supports lockbox files, BAI2 formats, and direct bank portal integrations. Payment data flows in automatically for matching.

AI Cash Application

Cash Application

Tesorio's Cash Application Agent automatically matches incoming payments to open invoices using ML and AI pattern recognition. It handles partial payments and multi-entity matching - cutting close time and enabling same-day cash application.

Speak With a Human Try Interactive Demo →

4.7/5 on G2 (231 reviews)

95%+Auto-Match Rate

Same-DayCash Application

Real-TimeCash Visibility

Trusted by finance teams at

Case study

Product Demo

See Cash Application in action

dashboard.tesorio.com/cash-application

Drafted Payments·Auto-Match

Processing

Acme Corp

CUST-1204 · Wire · Mar 5, 2026

$47,832.16

TXN-20260305-8812

Acme Corp(CUST-1204)99.2%

INV-4521Open

$24,500.00

Invoice Amount$24,500.00

Balance$0.00

Applied By—

Days Overdue12d

INV-4589Open

$18,332.16

Invoice Amount$18,332.16

Balance$0.00

Applied By—

Days Overdue5d

INV-4601Open

$5,000.00

Invoice Amount$5,000.00

Balance$0.00

Applied By—

Days OverdueCurrent

Avg match time: 0.8sAuto-applied today: 234

Features

How Cash Application works

Intelligent Payment Matching

ML models trained on your payment history match incoming payments to open invoices with 95%+ accuracy. The system handles partial payments, overpayments, cross-invoice applications, and multi-entity matching - significantly reducing manual work.

Wire Payment

$47,832

Acme Corp

Auto-Apply

INV-4521

$24,500

INV-4589

$18,332

INV-4601

$5,000

Email Remittance Processing

Automatically scan incoming emails for remittance information and match it to open invoices. Tesorio processes CSV, XLSX, TXT, images, and virtually any attachment type - even when customer reference numbers don't match exactly.

remittance.pdf

Pending

Payment Ref—

Amount—

Invoices—

Source—

Lockbox Processing

Ingest scanned check images and lockbox files to automate cash application for check payments. What used to require hours of manual processing happens automatically, enabling same-day cash application for your lockbox volume.

Exception Queue

PMT-4821 → INV-1092

Partial: $18,200 of $24,750

87%

PMT-4819 → INV-1088

Amount: $5,000 vs $5,250

72%

PMT-4815 → Unknown

No matching reference

34%

Exception Management

Unmatched payments are routed to an exceptions workspace with AI-suggested matches ranked by confidence. Your team reviews and resolves exceptions in a streamlined interface, and the system learns from every correction to improve future accuracy.

Deduction Classification

Auto-Apply28

Early Pay Disc.

Trade Promo

Review3

Pricing Dispute

Escalate2

Damaged Goods

Use Cases

Built for real scenarios

Cash App Specialist

Processing hundreds of lockbox payments daily

95%+ auto-match rate, same-day cash application

Controller

Accelerating month-end close across entities

Faster close with fewer unresolved exceptions

AR Manager

Handling partial payments at scale

Automated matching frees team for strategic work

Workflow

What changes in your workflow

Before

Manually matching payments in spreadsheets
Parsing remittance PDFs by hand
Three-day close cycle for cash application
Unresolved exceptions pile up for weeks

After Tesorio

ML auto-matches 95%+ of payments instantly
Automated remittance parsing from emails, lockbox files, and attachments
Same-day cash application processing
AI-suggested matches resolve exceptions faster

Integrations

Works with the tools you already use

Cash Application connects natively with your existing tech stack.

By the Numbers

Built for production, proven at scale

95%+Auto-Match Rate

7+Years ML in Production

1 dayCash Application Cycle

12+File Types Supported

What Customers Say

“Tesorio's Cash Application handles the majority of our growing invoice volume. Our automatch rate has steadily climbed above 90% which has allowed our team to save time every day.”

Alex Wilcox

Senior Operational Finance Manager, Verkada

Better Together

Works best with

AI Collections

Collections Agent

Turns overdue invoices into cash — without adding headcount. AI drafts personalized follow-ups, extracts payment promises, and manages your dunning pipeline autonomously.

Learn more

ML Forecasting