# Zira limitations — what this AR clerk does not do

Last updated: 2026-09-03

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.

HTML: https://heyzira.com/limitations
Clerk: https://heyzira.com/clerk
Alternatives: https://heyzira.com/alternatives
Trial: https://app.heyzira.com/signup

## What this clerk does not do

No vendor DSO percentages.

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.
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.
3. **Three live connectors** — Live billing connectors today: Zoho Books, Zoho Invoice, Razorpay. Stripe and QuickBooks are listed as coming soon — not live.
4. **WhatsApp is Studio** — Client-facing WhatsApp chase is Studio, not Solo. Solo is email chase plus self WhatsApp alerts.
5. **Invoice caps** — Solo: 25 active invoices in chase. Studio: 150. Agency / custom is a conversation, not a public unlimited plan.
6. **Not an autoapprove agent** — Zira pauses when the client writes back. She does not auto-approve the next send, call, or ERP posting.
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.
8. **Not enterprise invoice-to-cash** — No customer-portal uploads, credit holds, or cash-application suites.

## 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: hello@heyzira.com.