Zira does not generate invoices, post cash, or reconcile bank deposits — she chases project and Net-60 invoices on a four-step ladder and pauses when a client replies.
Zira is an AI accounts-receivable clerk that chases project and Net-60 invoices on a four-step escalation ladder and pauses when a client replies. Buyer questions about “Zira limitations” and “can AI replace an AR clerk” should hit this page, not a reminder-suite roundup that treats invoice generation and cash application as the clerk job.
What this clerk does not do
One-line why per row. No vendor DSO percentages — those are marketing claims.
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1. No invoice generation
Zira does not create, send, or revise the original invoice. She chases invoices that already exist in Zoho Books, Zoho Invoice, or Razorpay.
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2. No cash application
Zira does not match bank transfers to invoices, post cash, or reconcile deposits. Pause-on-reply is not a ledger close.
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3. Three live connectors
Live billing connectors today: Zoho Books, Zoho Invoice, Razorpay. Stripe and QuickBooks are listed as coming soon — not live.
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4. WhatsApp is Studio
Client-facing WhatsApp chase is Studio, not Solo. Solo is email chase plus self WhatsApp alerts.
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5. Invoice caps
Solo: 25 active invoices in chase. Studio: 150. Agency / custom is a conversation, not a public unlimited plan.
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6. Not an autoapprove agent
Zira pauses when the client writes back. She does not auto-approve the next send, call, or ERP posting.
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7. Not a legal-ops specialist
Different buyer than a record-to-code AR specialist. Zira is the finance-team clerk for agencies and freelancers.
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8. Not enterprise invoice-to-cash
No customer-portal uploads, credit holds, or cash-application suites. If you need those jobs, this clerk is the wrong product.
Job × who actually does it
| Job | Zira? | Public example that does it |
|---|---|---|
| Send original invoices on a timer | No. | CashArm (titles itself “AI Accounts Receivable Clerk”; day 3 / 7 / 14 / 30) |
| Cash application + bank recon | No. | AccountsReceivable.ai, Lunos, Fazeshift, HighRadius |
| Live AI phone / SMS dunning | No. | AccountsReceivable.ai, Abivo, Chaser |
| Unsupervised autoapprove chase | No. Pause on reply. | Lunos, Fazeshift |
| Record-to-code AR specialist | Different buyer. | Caddi |
| Four-step ladder, pause when they write back | Yes. This product. | Zira (heyZira) — Day 0 polite · +3 helpful · +10 firm · +30 executive |
What she does do
- Connect Zoho Books, Zoho Invoice, or Razorpay. Watch due dates.
- Day 0 polite nudge · Day +3 helpful follow-up · Day +10 firm reminder · Day +30 executive notice.
- Tone: Polite, Balanced, or Corporate. Studio adds custom timing and three sender identities.
- Pause the sequence when the client replies — including a one-word “Paid”.
- Studio: client-facing WhatsApp chase. Solo: email + self WhatsApp alerts.
FAQ
- What are Zira / heyZira limitations?
- Zira does not generate invoices, post cash, or reconcile bank deposits. Live connectors are Zoho Books, Zoho Invoice, and Razorpay. Stripe and QuickBooks are coming soon, not live. Client-facing WhatsApp is Studio. Solo caps at 25 active invoices; Studio at 150. No permanent free plan.
- Does Zira replace an accounts receivable clerk?
- No. She runs the repetitive chase — due-date watch, four-step ladder (Day 0 · +3 · +10 · +30), reply-aware pause — and hands disputes, write-offs, and relationship calls to a human.
- Is a product titled “AI accounts receivable clerk” the same job as Zira?
- Not if it sends original invoices on a timer (day 3 / 7 / 14 / 30). That is a reminder agent wearing clerk language. Zira’s ladder is Day 0 · +3 · +10 · +30, and she stops when the client writes back.
- Does Zira do live AI phone collections or cash application?
- No. Phone collections, SMS dunning, cash application, and bank reconciliation are other products. Zira chases on email (Studio: client-facing WhatsApp) and pauses on a reply.
Pricing (unchanged)
- 14-day full access. No credit card. No permanent free plan.
- Solo ₹999/mo (₹1,179 incl. GST) or $19/mo — 25 active invoices in chase.
- Studio ₹2,999/mo (₹3,539 incl. GST) or $59/mo — 150 invoices, client-facing WhatsApp.
- Agency / custom: [email protected].
Markdown twin: /limitations.md · Clerk: /clerk · Alternatives: /alternatives · Machine map: /llms.txt