AI-native

AI that does the chasing, so you don’t have to

MerchantLink uses Claude to handle the busywork of getting paid: drafting invoices, following up, answering questions and spotting problems early. You stay in control of everything it sends.

Drafting

From a sentence, a voice note or a photo

Describe the job in plain words, dictate it in the truck, or snap a photo of a work order, estimate or receipt. You get a ready-to-review invoice or payment link.

Understands “net 15”, “next Friday” and “text it to him”
Matches customers you already have
Flags anything missing, like a price or phone number, instead of guessing

Smart reminders

The right message, on the right channel, at the right time

Reminders run on a predictable schedule: before the due date, on it, then 3, 7 and 14 days after. For each one, the AI chooses email or text and writes a message suited to that customer’s history.

Tone escalates gently: friendly, then neutral, then firm but polite
Never threatens, shames or invents late fees
Choose: draft for my approval (default), autopilot, or off
Texts only customers who consented, and never during quiet hours

Two-way conversations

Customers reply. MerchantLink understands.

When a customer texts back, the reply is classified and acted on, so nothing slips through the cracks.

“I’ll pay Friday”

Logged as a promise to pay, and reminders pause until the day after.

“Can I split it?”

A polite reply is drafted and the request goes to you to decide.

Questions

A suggested answer lands in your approval queue, ready to send.

STOP

Opt-outs are honored immediately and recorded on the customer.

Payer assistant

Answers billing questions on your pay page

“What’s this charge?” “Is there a fee for bank transfer?” The assistant answers from the invoice and your own FAQ, in the customer’s language, around the clock.

Can’t change amounts, due dates or offer discounts. It isn’t allowed to
Hands payment-plan and dispute requests to you
Never asks for card or bank details

Insights

See trouble coming, and ask anything

Every open invoice gets a payment likelihood and expected date, with the reasons shown. Roll them up into a weekly cash-flow forecast, or just ask in plain English.

“Who owes me the most?” “How did this month compare to last?”
Answers are computed from your data with read-only tools; the model never guesses numbers
Spots customers you bill on a regular cadence and suggests recurring billing

Protection

AI on your side when things go wrong

Chargeback evidence, assembled for you

When a processor reports a dispute, MerchantLink gathers the invoice, line items, delivery history, when the customer opened the invoice, and payment details. The AI then drafts a factual rebuttal and an evidence checklist for you to review and submit.

Card-testing defense

Public payment links are a target for fraudsters testing stolen cards. Checkout attempts are rate limited and risk-scored for velocity, repeated declines and tell-tale micro-amounts before any processor is called.

Guardrails

You’re always in control

AI proposes; you decide. Everything the AI or a connected agent wants to do that touches customers or money goes to your Approvals queue, and every decision is recorded.

Approve, edit or dismiss each draft
Autopilot is opt-in and limited to reminders
Consent, quiet hours and amount rules are enforced in code, not left to the model
A full audit trail shows which model or agent did what, and when

Transparent

Predictions show their reasons. Drafts show why a channel and tone were chosen.

Configurable

Reminder mode, time zone and your payer FAQ are yours to set.

Graceful

If AI is ever unavailable, reminders fall back to clear templates and everything else keeps working.

Send your first payment link today

Every account starts with a built-in sandbox, so you can create invoices, send links and take test payments before you connect a processor.

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