Chargezoom
Chargezoom is a US fintech that provides an AI-native autonomous accounts receivable platform for B2B businesses, combining the AVA AI agent and Payment Graph technology to automate invoicing, collections, and reconciliation with deep accounting software and 17+ payment gateway integrations.
- Company typePrivate
- Founded2020
- HeadquartersSalt Lake City, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Chargezoom does
Chargezoom is a privately held US fintech company that builds an AI-native accounts receivable automation platform for B2B businesses. Founded in 2020 and headquartered in Irvine, California with an operational office in Holladay, Utah, the company runs a sales-led go-to-market targeting growing businesses that need to automate invoicing, payment collection, recurring billing, and reconciliation. Its core offering is the Autonomous AR platform, which combines an AI agent called AVA that handles outreach and payment follow-ups with a proprietary Payment Graph technology that enriches transaction data to qualify merchants for lower payment processing rates. The product supports surcharging, subscription billing with automated dunning, PCI-compliant credit card vault storage, and a self-service customer portal.
The platform is delivered as a SaaS subscription with monetized transaction processing fees and surcharging capabilities. It integrates natively and bidirectionally with the dominant SMB and mid-market accounting systems (QuickBooks Online and Desktop, NetSuite, and FreshBooks) and connects to more than 17 payment gateways including Stripe, PayPal, Authorize.Net, Heartland, NMI, and EPX. Chargezoom is a Visa-registered Service Provider and a registered agent of Fiserv, and the company has filed US and international patent applications covering its core technology.
Chargezoom monetizes through a freemium self-serve signup with no credit card required, a sales-assisted enterprise motion, and a formal revenue-share partner program that supports channel-sourced mid-market deals. Total disclosed funding across rounds from 2021 through 2025 is approximately $38M, with Kickstart leading the largest round of $17.5M in December 2024 and Panoramic Ventures leading the 2022 round. The named customer base mixes large enterprise logos (Aramark, Uline, KeyBank, DEX Imaging, Fiserv) with a long-tail of SMB users acquired through the free signup flow.
Chargezoom firmographics
Firmographics- Name
- Chargezoom
- Legal name
- Chargezoom, Inc.
- Website
- https://chargezoom.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Chargezoom is a US fintech that provides an AI-native autonomous accounts receivable platform for B2B businesses, combining the AVA AI agent and Payment Graph technology to automate invoicing, collections, and reconciliation with deep accounting software and 17+ payment gateway integrations.
- Ownership category
- akta.pro rank
Chargezoom industry classification
Industry- Product category
- Accounts Receivable Automation Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Bill Management & Subscription Management (FSAGADAG)
- akta.pro secondary industry
- Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE)
Keywords
Where Chargezoom is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Chargezoom business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Subscription: Chargezoom provides an AI-powered accounts receivable automation platform with integrated payment processing. The platform includes invoicing, recurring billing, payment collection, and accounting software synchronization. The company monetizes through SaaS subscription fees, transaction processing fees, and surcharging capabilities that allow merchants to recoup processing costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free signup available for initial access |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Chargezoom product offering
Product offeringCore offering
Chargezoom is an AI-native autonomous accounts receivable automation platform that handles the full AR lifecycle — invoicing, recurring billing, payment collection, collections follow-up, and reconciliation — without manual intervention. Its AVA AI agent runs customer outreach and dunning autonomously, while the proprietary Payment Graph technology enriches transaction data to qualify merchants for the lowest possible payment processing rates. The platform integrates with QuickBooks, NetSuite, and FreshBooks accounting software and connects to 17+ payment gateways for payment acceptance.
Product overview
Chargezoom is a unified AI-powered accounts receivable automation platform designed for growing businesses. The core offering consists of the Autonomous AR platform, which integrates the AVA AI Agent for automated customer communications and the Payment Graph for transaction optimization. Supporting features include Invoicing, Recurring Billing, Payments (with 17+ gateway integrations), Integrations (QuickBooks, NetSuite, FreshBooks), Customer Portal, and Credit Card Vault. The platform claims to reduce manual AR tasks by up to 50%, accelerate invoice payments by 4x, and eliminate up to 40% of payment processing fees through AI-powered transaction enrichment.
Differentiator
Problem solved
Functional benefit
Brands
- AVA: AI-powered AR (Accounts Receivable) Agent that autonomously handles AR from outreach to cash, reducing manual work and exceptions.
Products and services
- Autonomous AR AI-native accounts receivable automation platform that autonomously manages the entire AR lifecycle from invoice creation to cash collection, eliminating manual work and payment delays. Targeted at B2B businesses seeking to accelerate cash flow and reduce manual accounting effort.
- AVA | Your AR Agent AI-powered virtual agent that autonomously handles AR outreach, payment follow-ups, and customer communications to ensure timely invoice payments. Operates via email and chat to drive collection activity with limited human intervention.
- Payment Graph AI-powered transaction intelligence that enriches payment data to optimize processing rates and reduce fees for merchants, leveraging cross-business transaction patterns to qualify merchants for the lowest possible payment processing rates.
- Proven Results Results analytics and reporting module showing payment performance metrics, DSO improvements, and cash flow gains from using the platform. Provides customers with visibility into AR performance outcomes.
Quantifiable outcome
- Invoices paid up to 4x faster
- +2 more outcomes
Companies that use Chargezoom
Customer profileNamed customers8 records
Segments1 record
Ideal customer profiles2 records
Chargezoom technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration17 records
AI capability4 records
Feature6 records
Chargezoom partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- QuickBooks (Intuit)coreDeep integration with QuickBooks Online and QuickBooks Desktop via Web Connector, enabling seamless synchronization of invoices, customers, and payment data between Chargezoom and QuickBooks for automatic reconciliation.
- NetSuitecoreIntegration with NetSuite ERP for synchronization of accounting data, invoices, and payment transactions.
- VisacoreChargezoom is a Visa registered Service Provider, enabling the company to process Visa card transactions as part of its payment processing services.
- FiservcoreChargezoom is a registered agent of Fiserv, Inc., enabling payment processing services through Fiserv's payment infrastructure.
- StripecorePayment gateway integration allowing merchants to process payments through Stripe's payment infrastructure.
- Authorize.netcorePayment gateway integration for credit card and electronic check processing through Authorize.net.
- PayPalcorePayment gateway integration enabling PayPal payment processing as an alternative to traditional card payments.
- Multiple Payment GatewayscoreChargezoom supports 17+ payment gateways including: EPX, Heartland, FluidPay, Maverick, PayTrace, NMI, Elavon, CardPointe, USAePay, CyberSource, iTransact, TransIT, TSYS, and PayArc.
Scale indicators1 record
Recent moves7 records
Expansion highlights5 records
Chargezoom competitors and assessment
Company assessmentBroad incumbents
- Square (Block): Block's Square offers invoicing, payment processing, and increasingly AR/business banking features for SMBs. It overlaps with Chargezoom on payments and invoicing but serves a broader seller/payments ecosystem rather than specializing in AR automation.
- Intuit QuickBooks: Intuit QuickBooks is the dominant SMB accounting platform and a core integration partner for Chargezoom. As a broad incumbent, Intuit could expand native AR/payments functionality, creating an embedded competitive threat to Chargezoom's core SMB wedge.
Direct peers
- HighRadius: HighRadius is an enterprise-focused autonomous finance platform for order-to-cash, treasury, and record-to-report. Its autonomous receivables and AI collections capabilities are the closest large-scale analog to Chargezoom's Autonomous AR vision.
- Tipalti: Tipalti automates AP, global payments, and supplier management for mid-market and enterprise. It overlaps with Chargezoom on payment processing, reconciliation, and accounting integrations, particularly for NetSuite-using customers.
- Bill.com: Bill.com is a leading B2B AP/AR automation and payments platform for SMBs and mid-market. It directly overlaps with Chargezoom on invoicing, recurring billing, and integrated payments for businesses using QuickBooks/Xero, and competes for similar buyer personas.
- AvidXchange: AvidXchange automates AP and payment processing for mid-market businesses, with deep accounting software integrations. It is a comparable invoice-to-pay automation player competing for similar accounts payable and accounts receivable automation budgets.
- Stampli: Stampli provides AP automation with collaborative invoice management. While AP-focused, it overlaps with Chargezoom's invoice-to-cash workflows and competes for similar finance department budgets and ERP-integrated automation buyers.
- Versapay: Versapay provides AR automation and collaborative invoice-to-cash solutions for mid-market and enterprise B2B companies. Its AI-driven collections and customer portal compete directly with Chargezoom's AVA agent and customer portal offerings.
- Melio: Melio is a B2B payments platform focused on SMBs that allows bill payment via ACH and card, with QuickBooks integration. It directly competes with Chargezoom in the SMB AR/payments space, especially among QuickBooks-centric businesses.
Emerging players
- Yaydoo: Yaydoo provides B2B AR/AP and corporate spend management for Latin American companies. It overlaps with Chargezoom's AR automation thesis, though it primarily serves a different geography (LATAM).
Market position
Strengths5 records
Weaknesses3 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Chargezoom social profiles
Digital presenceChargezoom compliance and trust
Trust signalCompliance1 record
Chargezoom financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chargezoom leadership team
Management profileNumber of profiles
Profiles3 records
Chargezoom funding detail
Funding detailFunding overview
Funding rounds7 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chargezoom M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Chargezoom
What does Chargezoom do?
Chargezoom is an AI-native autonomous accounts receivable automation platform that handles the full AR lifecycle — invoicing, recurring billing, payment collection, collections follow-up, and reconciliation — without manual intervention. Its AVA AI agent runs customer outreach and dunning autonomously, while the proprietary Payment Graph technology enriches transaction data to qualify merchants for the lowest possible payment processing rates. The platform integrates with QuickBooks, NetSuite, and FreshBooks accounting software and connects to 17+ payment gateways for payment acceptance.
Is Chargezoom a public or private company?
Chargezoom is a private company. It is classified as venture growth investor backed and is currently operating.
When was Chargezoom founded?
Chargezoom was founded in 2020. It employs 11 to 50 people.
Where is Chargezoom based?
Chargezoom is headquartered in Salt Lake City, United States, in the North America region.
How does Chargezoom make money?
One revenue line is on record: saaS Platform Subscription.
Who are Chargezoom's main competitors?
Broad incumbents on record are Square (Block) and Intuit QuickBooks. Direct peers are HighRadius, Tipalti, Bill.com, AvidXchange, Stampli, Versapay and Melio. Yaydoo is listed as an emerging player.
Does Chargezoom have an API?
No public API is recorded for Chargezoom.
What industry is Chargezoom in?
Chargezoom's product category is Accounts Receivable Automation Software. Its primary akta.pro industry code is FSAGADAG, Bill Management & Subscription Management, with a secondary code of FSAMAGAE, Direct Debit / ACH Collections & Recurring Billing. Its NAICS code is 52232 and its SIC code is 7320.