Meet the Digital Employees Joining the Paystand Network
AI in finance is moving from answering questions to taking responsibility for work. Today, Paystand is introducing digital employees to its B2B payment network: AI agents with ongoing responsibilities, measurable outcomes, and clear boundaries set by finance. Digital employees give finance teams additional capacity they can direct, allowing them to handle growing transaction volume while moving their own attention upstream into governance, judgment, and capital strategy.
Paystand's Reporting, Spend, and Collections Agents put digital labor to work across three core finance functions: keeping AR analysis and cash forecasts current, enforcing spend policy before money leaves, and prioritizing risk and automating collections outreach. Because they operate on Paystand's digital payment network, they can act on financial activity and complete authorized work rather than handing recommendations back to finance.
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Three Digital Employees. Three Jobs.
Reporting Agent: Forecast your Cash in Seconds
The Reporting Agent acts as a digital AR analyst. It continuously analyzes receivables, identifies which accounts deserve attention, explains why, and keeps a 14-day cash forecast current.
Instead of spending hours assembling aging reports and deciding where to focus, AR teams start with the highest-impact work already identified.
It owns: AR prioritization, account analysis, and cash forecasting.
Finance owns: What action to take.
See the Reporting Agent in action
Spend Agent: Control Spend and Keep the Books Current
The Spend Agent acts as a digital controller inside Slack and Teams. It applies finance's purchasing policies when employees request money, routes approvals, collects receipts, codes transactions, and posts approved expenses to the ERP.
That moves expense management upstream. Instead of finding policy violations and missing documentation at month-end, finance governs spending as it happens.
It owns: Policy enforcement, routing, receipt collection, coding, and ERP posting.
Finance owns: The policies, exceptions, and judgment calls.
Collections Agent: Prioritize Risk and Automate Outreach
The Collections Agent acts as a digital collections coordinator. It researches customer payment behavior, prioritizes accounts by expected recovery, and drafts personalized outreach for human review.
Collectors spend less time deciding whom to contact and writing repetitive emails, and more time having the conversations that actually bring cash in.
It owns: Research, prioritization, and drafting.
Finance owns: The customer relationship and every message that gets sent.
The Collections Agent is currently in private beta and is scheduled to become available later this quarter.
Why Digital Employees Need a Digital Payment Network
There's an important difference between an AI agent that can tell you what should happen and one that can help complete the work.
Many finance AI tools sit on top of financial systems. They ingest information from banks, processors, ERPs, and other systems, analyze it, and return an answer. The underlying transaction still happens somewhere else.
Paystand's digital employees operate on the same network where financial activity occurs. They can see payment activity as it happens, work within finance-defined controls, and write the resulting records back to the ERP. Paystand integrates with NetSuite, Sage Intacct, Microsoft Dynamics, and Acumatica.
That network also includes USDb, Paystand's digital dollar for business, allowing digital employees to read, analyze, and act on money in motion, with payment context and controls built in.
More Capacity. Same Accountability.
Giving software more responsibility doesn't mean giving it unlimited authority.
Finance determines what each digital employee can see, what it can do, and where a person must step in. The Reporting Agent is read-only. The Collections Agent will require a human to align on outreach strategy.The Spend Agent operates against policies established by finance. Agent activity is logged throughout.
The model is simple: digital employees take on repeatable work and are responsible for achieving the outcome. People set the rules, exercise judgment, handle exceptions, and remain accountable for the outcome.
That's how finance teams gain the capacity to handle more customers, transactions, and complexity without adding people at the same rate.
Meet Paystand's digital employees and see what they could take off your team's plate.
