General Business ServicesAccounts Receivable / Collections3MediumOwner$ implied

A business struggles with collecting variable-amount recurring B2B invoices via ACH debit due to authorization and compliance concerns, leading to constant manual AR chasing.

Current ACH authorization methods don't accommodate variable amounts without risk of disputes or extra manual reconciliation, so the business relies on customer-initiated payments and manual follow-ups.

Severity

3Medium

Willingness to Pay

implied

Added

Sep 15, 2026

Workarounds Described

Manually checking open invoices after net 30
Sending reminders and waiting for customer to initiate ACH payment
Reconciling payments back to invoices manually

Implied Software Gaps

System to securely authorize variable-amount ACH debits
Automated payment collection and reconciliation for recurring B2B invoices
Compliance and dispute management for variable-amount ACH transactions

App Concept

AutoCollect ACH

A SaaS platform that allows businesses to set up compliant, variable-amount ACH debits for recurring B2B invoices. It automates authorization, debits exact invoice amounts, and reconciles payments automatically, eliminating manual chasing and disputes.

Key Features

Variable-amount ACH authorization with pre-agreed caps and customer approval
Automated payment collection on invoice due date with exact amount
Automatic reconciliation of payments to invoices in accounting software
Compliance management with NACHA rules and dispute prevention tools

Target Users: Owners and finance managers at small to mid-sized B2B service companies with recurring variable invoices

Revenue Model: $49/mo per business subscription plus $0.25 per transaction

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