Sophia AI · 24/7 · Collecting is one job of many
Cash flow is the #1 worry for small business owners in 2026. Higher than inflation. Higher than hiring.
Get paid the day the job ends, because Sophia runs your front office, and chasing the money is just one of the things she never forgets. The moment you mark the job complete, she texts the customer a one-tap payment link.
Mark the job done. Sophia texts the customer with the amount, the line items, and a Stripe-issued one-tap link. No more waiting until you're back at the office.
Apple Pay, Google Pay, Card, ACH, all built in. The customer doesn't have to dig out a check, find a stamp, or remember to mail it.
PCI compliant. Single-use links. Encrypted end-to-end. Their card data never touches your phone or Sophia's servers.
Link not opened in 48 hours? Sophia sends one nudge. Still nothing at day 7? One more. After that, she escalates to you, not the customer.
Customer wants to pay by check? Sophia logs it. Customer wants to pay in person? She schedules the pickup. No forcing the channel.
Connects to QuickBooks, Stripe, Square. Every payment is logged, attributed to the job, and matched to the invoice automatically.
She works 168 hours a week, the work of three hires for a fraction of one salary.
A billing tool gives you buttons to push and reminders to manage. Sophia just chases the invoice and gets you paid, not another app to run.
A DIY AI tool
Software you run
Sophia
The operator you hire
And she’s already trained in your trade from day one, not a blank tool you have to teach.
A part-time bookkeeper chases payments when they have time. Sophia collects on every job, the day the job is done.
| Option | What you actually get | Cost / month |
|---|---|---|
| Part-time bookkeeper | 20 hr/wk · chases payments when there's time | $1,800 |
| Mailed paper invoices | 30-day wait · ~12% never pay · 3% chase fees | $0 + lost revenue |
| Sophia (Pro tier) | 168 hr/wk · same-day text-to-pay · auto-reminders · QBO sync | Book a call |
Illustrative Modeled collection flow, the moment the job is marked done, Sophia sends the link and most customers pay the same day.
Pay vs the 30-day mailed-invoice wait
Time spent on chase calls per month
Owner time returned per week
Pay-As-You-Win for the brave. Custom pricing for multi-location, book a demo.
HVAC, plumbing, roofing, electrical, auto repair, handyman, landscaping, cleaning, salon, med spa, dental, veterinary, real estate, restaurant, legal, tax/insurance.
See your industryYes. Sophia uses Stripe-issued, PCI-compliant, single-use checkout links. The customer's card data never touches your phone or Sophia's servers. Same security every Apple Pay or Stripe Checkout transaction uses.
Sophia handles mixed-method customers. She offers text-to-pay first; if the customer prefers check or ACH, she logs it and sets a 7-day reminder to confirm receipt. You stay in control either way.
No. Sophia plugs into Stripe, Square, QuickBooks Payments, and most major SMB processors on Pro and above. The money lands in the same bank account it does now, just faster.
Standard Stripe processing (2.9% + 30¢), no markup from JOOLT. Sophia is included in your monthly plan; there's no per-payment fee on top.
Stripe handles disputes the same way they always have. Sophia logs the job, the time the link was sent, the time it was paid, and the IP the payment came from, so you have a full paper trail if you ever need it.
Sophia starts collecting tomorrow. Your cash flow starts looking healthy this week.