Previously the founder of DrChrono, Daniel Kivatinos co-created JustPaid as a way for business owners to make, receive and track payments, understand their finances with analytics, and identify opportunities, seamlessly, all powered by AI. Daniel is a tech entrepreneur, inventor and investor living in Silicon Valley, California, and when he exited his last startup DrChrono, he was in the top 1% of YC-exited companies.
JustPaid’s mission is to democratize and simplify the professional lives of company operators with their continuous audit between the contracts and bills to pay and allow business operators to receive and track payments, understand their finances with analytics, and identify opportunities. With a focus on ease of use, security, and speed, JustPaid.io’s platform supports businesses across various industries in optimizing their financial operations.
Tell me about JustPaid. What gap in the market does it fulfill?
JustPaid is tackling a major challenge in B2B payments: the inefficiency of accounts receivable (AR) processes, especially as companies scale. For many businesses, collecting payments isn’t just about sending an invoice—it involves approvals, tracking, follow-ups, and managing complex billing structures. This process is often fragmented across finance, operations, and engineering teams, leading to delays and cash flow issues.
The gap JustPaid fills is automating and streamlining AR at scale. Traditional accounting software isn’t built to handle complex billing models—things like tiered pricing, usage-based billing, or multi-layered approval processes. JustPaid integrates directly with platforms like Salesforce, Dropbox Sign, PandaDoc, QuickBooks, NetSuite, and Stripe to automate these workflows, reducing manual effort and accelerating cash collection.
At the same time, there is a major accounting shortage in the U.S., and it’s expected to continue into 2025 and beyond. The number of accounting graduates has been declining since 2016, with a 32% drop in CPA exam candidates between 2016 and 2021. As of 2025, there are 340,000 fewer accountants compared to five years ago, and 76% of U.S. CFOs report significant talent shortages in finance and accounting teams. This talent gap is forcing businesses to find alternative ways to manage financial operations efficiently.
Companies are struggling to hire and retain finance professionals, and without automation, these teams can quickly become overwhelmed. AI-driven platforms like JustPaid are stepping in to fill this void. By leveraging AI agents to handle follow-ups via email, SMS, and even automated phone calls, JustPaid reduces the need for manual intervention in AR while improving payment cycles.
For businesses growing from a few transactions to millions, JustPaid helps them scale without significantly expanding their finance team. It’s solving a core operational problem—how to get paid faster while reducing overhead—at a time when automation is more necessary than ever.
AI is the way of the future – how will JustPaid continue to stand on the forefront of this growing tech?
AI is not just about automation—it’s about augmentation. In the future, AI agents will take on even more of the burden traditionally placed on finance teams, particularly when it comes to collecting unpaid invoices. Right now, businesses rely on manual follow-ups via email, phone calls, and text messages to chase down payments. It’s repetitive, time-consuming, and often frustrating for both finance teams and customers.
JustPaid is already moving toward a future where AI agents act more like human team members. Instead of a finance professional spending hours each week calling customers about overdue invoices, an AI agent will handle those conversations—reaching out through email, SMS, or even phone calls in a way that feels natural and personal. These AI-driven interactions won’t just be robotic reminders; they’ll be dynamic conversations that understand context, adapt to customer responses, and even negotiate payment terms when needed.
As AI models advance, these agents will be able to detect sentiment, adjust their approach based on customer behavior, and escalate issues only when human intervention is absolutely necessary. This shift will allow finance teams to focus on more strategic work rather than spending time on collections.
The future of B2B payments isn’t just about automating tasks—it’s about creating intelligent AI-powered finance teammates that can engage with customers, ensure invoices are paid on time, and help businesses maintain healthy cash flow without increasing headcount. JustPaid is at the forefront of this transformation, making AI a real partner in revenue operations.
JustPaid is a company founded by 3 co-founders. Why is diversity JustPaid’s super power?
JustPaid was built by a team of experienced entrepreneurs and operators who understand both the challenges and opportunities in B2B finance automation. Each co-founder brings a unique “superpower” that makes JustPaid a category-defining company in AI-driven accounts receivable automation.
Daniel Kivatinos is the visionary operator, seasoned executive and serial entrepreneur, best known as the co-founder of DrChrono, a pioneering healthcare technology company that transformed medical billing and practice management. With a deep understanding of SaaS, automation, and scaling operations, he ensures JustPaid isn’t just another fintech tool—it’s a platform that solves real business pain points. His ability to anticipate where technology is headed and build products that scale has been a driving force behind JustPaid’s growth.
Anelya Grant is the AI & automation architect, being an expert in financial technology and automation, with a background in building high-performance revenue operations systems. She’s a second-time founder with a deep understanding of finance workflows, having worked extensively with companies navigating complex B2B payments. Her “superpower” is architecting AI-driven automation that doesn’t just replace manual work but enhances efficiency in a way that feels seamless and intelligent. She’s leading JustPaid’s efforts to integrate AI into finance operations, ensuring the platform stays ahead of industry trends.
Vinay Pinniaka is an engineering powerhouse and technical mastermind behind JustPaid, with deep expertise in AI, cloud infrastructure, and enterprise software. He’s focused on building a scalable, reliable, and secure platform that can handle the complexity of modern B2B transactions. His strength lies in designing high-performance systems that can manage millions of transactions effortlessly while integrating with the world’s leading financial platforms. His engineering leadership ensures JustPaid remains at the cutting edge of fintech innovation.
Together, Daniel, Anelya, and Vinay combine deep expertise in SaaS, AI, and finance automation, making JustPaid more than just a product—it’s a category-defining platform designed to reshape the way businesses manage receivables. Their complementary skill sets allow JustPaid to push the boundaries of AI-driven automation and provide real, tangible value to companies worldwide.
How does remote collaboration inform the success of JustPaid?
Remote collaboration has been a key factor in JustPaid’s success, not just as a necessity, but as a strategic advantage. Our team is distributed across different locations, which allows us to tap into global talent, work across time zones, and maintain a constant innovation cycle.
One of the biggest benefits of remote collaboration is agility. We’re able to build, iterate, and deploy faster because we aren’t limited by traditional office structures. Our engineers, product teams, and customer success specialists work asynchronously, using AI-driven workflows and automation tools to stay aligned. This approach mirrors what we offer our customers—intelligent automation that removes bottlenecks and keeps revenue operations running smoothly.
At the same time, we recognize that strong collaboration goes beyond just productivity—it’s about fostering real connections. That’s why we’ve built a remote culture that feels as close to an in-person office as possible.
- Remote Paired Coding Sessions – Our engineers regularly pair up to solve problems in real-time, ensuring knowledge-sharing and stronger team alignment.
- Remote Coffee Hours – We host informal virtual hangouts where the team can chat about anything—tech, hobbies, or life—building camaraderie that goes beyond work.
- Monday Morning Show & Tells – Every week, we kick off with a meeting where team members showcase new product updates, ideas, or insights, keeping everyone engaged and excited about what we’re building.
We’re also a truly global company, with team members from the United States, Silicon Valley, LATAM, Africa, and the EU—and we’re open to talent from anywhere in the world. This diversity brings fresh perspectives and allows us to build solutions that work for businesses across different industries and regions.
By prioritizing structured collaboration, casual interactions, and knowledge-sharing, we make sure that our remote-first approach doesn’t just work—it thrives. JustPaid’s remote culture is designed to combine the best of both worlds: the flexibility and efficiency of a distributed team with the energy and connection of an in-person office. This balance has been essential to our ability to innovate, scale, and build a category-defining AI-powered finance platform.
Remote is here to stay and we are embracing it.
