AI-Driven Cash Application Software
Take control of your entire cash application process with Esker’s AI-driven solution. Built for large companies and complex receivables environments, it automates remittance capture, payment matching and exception handling while giving Finance teams the visibility and control they need to manage cash application with confidence.
Reach 90%+ cash application automation
From cash application complexity to working capital advantage
Transform your cash application process from a manual, reactive task into an intelligent accounts receivable (AR) performance driver. Modern cash application automation doesn’t just match payments to invoices faster — it turns remittance and payment data into actionable insights that improve cashflow visibility, reduce unapplied cash, and strengthen credit and collections performance.
Faster cash allocation
Use AI-driven matching and automation to apply cash faster and reduce manual effort across high-volume payment flows.
Unified visibility & governance
Give Finance teams real-time insight into allocation activity, unapplied cash and performance trends with governance built in.
Increase AR operational efficiency
Help teams resolve exceptions faster, reduce rework and keep customer accounts cleaner across the receivables process.
Impact of cash application automation
90%+ touchless cash allocation Automate more allocations and reduce manual cash application.
95%+ faster remittance processing Process remittances faster with AI-driven data capture.
80%+ reduction in open deductions Identify deductions earlier and resolve them rapidly.
95%+ reduction in month-end unapplied cash Reduce unapplied cash and simplify month-end close.
How automated & autonomous cash application work
Esker Cash Application automates payment processing from receipt to ERP posting in one connected, intelligent environment. Payments flow through an automated process that removes manual tasks, reduces errors and gives accounts receivables teams clear visibility on what to do next.
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Centralized incoming payment information
Capture payment and remittance data from every channel in one unified workflow.
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AI-driven extraction & matching
Use Esker Synergy AI to extract key data and match payments to invoices with greater accuracy.
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Rapid exception resolution
Guide users through complex cases with intelligent suggestions, contextual information and collaboration tools.
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Real-time payment reconciliation in the ERP
Keep customer accounts up to date across your ERP and AR environments.
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Cash application automation performance dashboard
Track KPIs, payment activity and automation trends through customizable dashboards and reporting.
Agentic AI for confident, governed cash application automation
Esker puts artificial intelligence at the center of the cash application process to drive autonomous payment matching and support users with transparent recommendations. The result is faster decision-making, greater confidence in automation and human control when complexity remains.
Autonomous payment matching
Automated and more accurate allocation powered by AI that’s auditable at any time.
Explainable matching suggestions
Suggested matches come with clear context that helps users understand and trust the result.
Human-in-the-loop validation
Users stay in charge of validation and exceptions whenever review is needed.
Esker Cash Application key capabilities
Agentic AI cash application
Capture remittances, extract payment data and match payments faster with explainable AI.
Flexible allocation automation
Extend touchless cash allocation with configurable options adapted to business needs for discounts, deductions, short payments, cross-company scenarios and multi-currency complexity.
Human-centric exception management
Equip teams with a guided workspace, smart suggestions and collaboration tools that help resolve complex allocations faster and with more confidence.
Unified finance ecosystem
Connect cash application with your ERP and Esker’s Accounts Receivable suite to keep customer accounts cleaner and downstream collections and dispute processes aligned.
Audit-ready visibility
Track automation, unapplied cash and user activity in real time with dashboards, reports, traceability and archiving built for stronger control.
AI-powered cash application means faster allocation, cleaner accounts and better visibility across the full receivables process.
See what customers have achieved with Esker Cash Application
Fletcher Steel
“Esker has significantly reduced processing time for large remittances with 800+ line items from 2+ hours to mere minutes.”
Laminex
- 50% faster processing time
- 95% less unallocated cash at month-end
- 74% auto-allocation achieved within 6 months
Tailored value for your accounts receivable stakeholders
CFOs & Finance Leaders
How Esker helps
Esker gives Finance leaders stronger visibility into cash inflows, receivables performance and working capital drivers. With real-time KPIs and full traceability, teams can improve control, forecasting and audit readiness.
Daily impact
- Stronger control of days sales outstanding (DSO) and working capital
- Easier month-end close and audit preparation
- Better visibility into cashflow and AR performancedecisions
AR Manager
How Esker helps
Esker helps AR managers reduce manual reconciliation, resolve exceptions faster and keep customer accounts cleaner. Greater visibility and connected AR workflows improve team efficiency and strengthen credit and collections performance.
Daily impact
- Less time spent matching and reworking payments
- Streamlined exception and deduction resolution
- Higher team productivity and customer satisfaction
Cash Analyst
How Esker helps
Esker gives cash analysts an intuitive workspace to apply cash faster, with AI-assisted matching and clear guidance on complex cases. This reduces manual effort, limits errors and makes exceptions easier to handle day to day.
Daily impact
- Faster daily cash allocation and reconciliation
- Fewer manual errors and corrections
- Easier handling of complex exceptions
CIO / IT Leadership
How Esker helps
Esker provides IT leaders with a secure, cloud-based platform that fits complex ERP environments without adding heavy internal burden. It supports finance modernization, stronger data integration and AI adoption without in-house development.
Daily impact
- Accelerated time to value for digital transformation
- Stronger integration, security and governance
- Lower IT burden to support finance automation
Cash application that unifies your Accounts Receivable operations
Esker Cash Application can be deployed as a standalone solution or bundled with Esker’s Accounts Receivable suite to create a more connected receivables environment. When combined with Invoice Delivery, Collections Management and Deductions Management, it helps teams work from cleaner customer accounts, shared data and better cross-process visibility.
Invoice Delivery
Keep invoice status aligned across Esker’s Accounts Receivable platform so teams can allocate cash with better context and greater accuracy. With synchronized receivables data, Finance gains a more consistent view of what has been issued, paid, disputed or closed.
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See Esker Cash Application in action
Discover how Esker uses AI-driven remittance capture, intelligent payment matching and guided exception handling to help Finance teams accelerate cash allocation and gain better control over receivables.
REPORT
Recognized as a top vendor in The Hackett Group® Digital World Class® Matrix
Ready to transform your cash application operations?
Get in touch with Esker to see how cash application automation can improve efficiency, visibility and working capital management across your finance function.
Frequently asked questions about the Esker Cash Application platform
What is cash application automation?
Cash application automation is the use of software to capture payment and remittance data, match incoming payments to invoices or other open items, and route exceptions to users when review is needed. Esker automates this process with AI-powered data extraction, intelligent matching, configurable business rules, and ERP reconciliation to help Finance teams reduce manual work and accelerate cash posting.
How does Esker use machine learning for AR cash application automation and AI-driven remittance data matching?
Esker centralizes payment and remittance data in a single workflow, extracts key information with AI, and matches payments to invoices, credits, or other open items. When remittance is missing or incomplete, Esker Synergy AI can use payment-file data such as customer names, invoice numbers, and reference fields to identify likely matches. The solution also improves matching accuracy over time through user validations, while a guided workspace helps users review suggestions, resolve exceptions, and reconcile validated allocations back to the ERP.
What degree of automation in the cash application process can Finance teams expect?
The degree of automation in cash application depends on factors such as payment quality, remittance consistency, ERP structure, and the complexity of business rules. Esker helps increase automation across common scenarios including underpayments, overpayments, discounts, deductions, zero-balance payments, cross-company allocations, withholding tax, and multi-currency transactions. Teams stay in control of exceptions while dashboards and reports provide visibility into automation rates, unapplied cash, user activity, and remaining workload.
What makes Esker one of the best cash application solutions for Finance teams?
There is no single best cash application solution for every organization. The right choice depends on transaction volume, exception complexity, system landscape, and reporting needs. For enterprise accounting teams, the best cash application automation solutions typically combine AI matching, flexible exception handling, ERP integration, and clear performance visibility. Esker brings these capabilities together in one platform, making it a strong option for Finance teams looking to scale automation without losing control.
How does cash application work with Esker’s AR Suite?
Esker Cash Application can be deployed as a standalone solution or as part of Esker’s AR Suite. When combined with other Esker AR solutions, it can share invoice status visibility, leverage promise-to-pay information from collections management, and create deduction claims directly from remittance data. Esker also integrates with any ERP through flat files and supports multi-ERP environments. For SAP customers, Esker offers a prebuilt connector that supports real-time reconciliation through BAPI calls.
Can cash application automation help reduce Days Sales Outstanding (DSO)?
Yes. Cash application automation can help reduce DSO by accelerating payment matching, reducing unapplied cash, and improving the accuracy of customer accounts. With Esker, Finance teams gain faster exception resolution, better visibility into receivables, and cleaner data for Credit and Collections, all of which support stronger cashflow and working capital performance.