JMJ Billing - 2026 Pricing, Features, Reviews & Alternatives

Most AR tools automate sending. JMJ Billings automates deciding.

Most invoicing software creates the invoice and sends two or three shallow reminders. Then the reminders stop and the real work begins — deciding whether to chase, how hard to press, what a reply actually means, when to escalate, and whether you have the documentation to recover anything at all. That work lands on the owner, usually on a Sunday night.

JMJ Billings takes it off their plate.

What it Does

Automated escalating follow-up. A nine-stage cadence of pre-drafted, attorney-reviewed templates runs on every past-due invoice. Templates are not AI-generated — they are fixed, reviewed copy, so nothing unexpected ever goes out under your name. Nine standard templates plus three optional lighter-touch variants for early stages.

Sent from your domain, not ours. Emails go out under your business name from your own authenticated domain, with full DKIM, Return-Path, and MX setup. Your customer sees your company. JMJ is invisible to them. Deliverability infrastructure runs on Postmark with plaintext alternatives generated for every send.

Every reply read and classified. Inbound replies are routed through a three-bucket classifier: payment confirmations, disputes, unsubscribe and legal keywords, and anything ambiguous. Ambiguous replies go to a human review queue rather than being auto-actioned. Legal and unsubscribe language always halts the cadence.

Good customers protected. A Recovery Score plus a three-layer Do Not Contact system means reliable payers get a soft, friendly cadence instead of the escalation path a chronic late-payer gets. Compliance guardrails and time-of-day gates run before every send.

Audit package built as you go. Every email, reply, dispute note, and payment signal is logged and packaged automatically. When an account escalates, the documentation already exists — which is the single biggest reason owners write off instead of escalating.

Collections handoff at roughly half the standard rate. Traditional agencies charge 25–35% contingency. JMJ's negotiated agency relationship lands around 15% net to the client, with a documented file that materially improves recovery odds.

Failed payment recovery (JMJ Dunning). For subscription businesses on Stripe or Square: a five-stage recovery sequence with separate cadences for card declines and returned ACH debits, white-labeled to your domain, that terminates automatically the moment payment clears.

Who it is for

U.S. small and mid-sized businesses running 50–500 invoices per month and spending 2–15 hours a week on AR. Large enough to have a real receivables problem, too small to justify a dedicated AR hire or enterprise software. Strongest fit in construction, specialty trades, restoration contractors, and independent veterinary practices.

What it is not

JMJ Billings is not a debt collector. It is an invoice reminder automation platform operating as the client's authorized agent, sending communications branded as the client. It does not replace your accounting software — it extends it.