Best Accounts Receivable Software (2026): Top 10 Compared

HighRadius sells an accounts receivable suite aimed at enterprise and mid-market finance teams. The product page lists eight areas: collections, cash application, deductions, credit, electronic invoice presentment and payment (EIPP), B2B payments, analytics and AR forecasting. The vendor describes the suite as run by more than 60 AI agents that handle matching, dunning, risk scoring and disputes, and states that more than 1,500 finance teams use its AR software.

The data model starts with systems of record. Pre-built ERP connectors are listed for SAP, Oracle, NetSuite, Microsoft Dynamics and Workday. Bank data arrives as BAI2, MT940 and lockbox files from more than 100 banks. The platform also reads remittance from payment processors such as Stripe, FIS and Worldpay, from email, EDI and checks, and from more than 600 customer AP portals including Coupa, Ariba and Tungsten. After processing, the suite posts cash back to the ERP at line-item level, produces a prioritised collections worklist with dunning automation, scores credit applications, releases blocked orders, and codes and routes deductions.

Dashboards show DSO, aging and cash forecasts. The vendor's published outcome figures, which are its own claims rather than independent measurements, include a 10% reduction in DSO and a 20% fall in past-due balances.

Pricing is not published. The pricing page describes an annual SaaS subscription with no upfront licence cost, in which buyers pay for the features they use and can choose between pricing approaches. Buyers should expect a scoped quote based on modules, ERP landscape and transaction volume.

HighRadius fits large or complex AR operations, particularly those with high remittance volumes, many customer portals, customers that take frequent deductions, or several ERPs.

Billtrust positions its product as a "cash generation platform" for B2B suppliers. The home page groups the platform into five functions: invoicing, payments, credit, collections and cash application. The vendor splits the cycle into two halves. The first half covers getting invoices out and payments in. The second covers applying remittances, prioritising collections and keeping credit decisions current.

For invoicing, Billtrust states that invoices can be delivered through a single interface to more than 260 AP portals, in the format each customer prefers. Payments run across multiple methods and channels on one network, with payment policies that can be set per buyer. The credit module handles approval of new customers and ongoing credit monitoring. Collections uses AI tuned to each buyer's behaviour to direct collectors toward the accounts that most affect the cash forecast; the vendor notes that most AR teams work only a small share of accounts. Cash application is described as achieving match rates above 95%, with top-quartile customers at 99.6%, including cases where remittance arrives in several pieces from different systems.

Billtrust says its recommendations draw on behavioural data from more than 13 million buyers and more than US$1 trillion in annual invoice volume, and it describes itself as the largest pure-play B2B payment facilitator. These are vendor claims.

No pricing is published. Buyers book a demo or platform tour and receive a quote. Total cost is likely to depend on invoice volume, modules and payment mix, so buyers should ask for payment processing fees to be quoted separately from the software subscription.

Billtrust fits B2B suppliers with large invoice volumes and many customer AP portals.

Versapay describes itself as a unified accounts receivable automation platform covering the invoice-to-cash process from invoicing to reconciliation. The home page lists five product areas: a digital invoicing portal, collections management, cash application, B2B payment services, and reporting and reconciliation.

The customer portal is the centre of the product. Customers can view invoices, make payments and manage their accounts in a branded portal, paying by credit card, ACH or virtual card, scheduling recurring payments and paying multiple invoices at once. Versapay automates invoice delivery and presentment, dunning notifications and basic collections activity. Collections management aims to predict delinquencies, prioritise high-risk accounts and keep balances visible to the team.

Cash application captures, processes and applies payments automatically, reconciles them to invoices and posts them to the ERP in real time. The vendor describes this as straight-through processing and says it matches payments regardless of how or where customers remit. Payment services cover ACH, card and wire acceptance, with configurable payment acceptance rules, fraud and transaction monitoring, and options for prepayments and early-payment discounts. Reporting tracks AR metrics and collections trends for forecasting and faster close.

The vendor states that more than 10,000 customers and 5 million companies transact on the platform, with 120 million transactions and US$257 billion in payments processed each year. These are vendor figures.

Pricing is not published. The demo page offers a 15-minute demo and self-guided interactive tours of the platform, cash application and collections automation. Because payments are processed through Versapay, buyers should request card and ACH fees alongside the subscription quote.

Versapay fits mid-sized B2B companies whose customers want to pay online and where finance wants collections and cash application tied to those payments.

Esker sells accounts receivable automation as part of its wider order-to-cash product line. The AR suite page lists six modules: credit management, invoice delivery, payment processing, cash application, claims and deductions, and AR collections management. The modules share an AI layer that Esker calls Synergy, which suggests actions, routes and extracts data from AR documents and produces cash forecasts.

Credit management covers credit approval and ongoing risk monitoring. Invoice delivery automates sending invoices while meeting local compliance rules, which matters where e-invoicing mandates apply. Payment processing adds online payment options for customers. Cash application uses AI to allocate payments to open items. Claims and deductions uses AI assistance to resolve disputes and short payments. Collections management prioritises tasks using payment predictions and risk analysis, and includes tools for sales, customer service and finance staff to work on overdue accounts together.

Esker states that its AR suite processes around 72 million invoices and more than €107 billion in transactions each year, and cites a DSO reduction of up to 10 days. These are vendor figures. The page lists analyst recognition, including a Leader placement in the 2024 Gartner Magic Quadrant for Invoice-to-Cash Applications and a Leader placement in the 2024 IDC MarketScape for AR automation for small and mid-market companies, with a Major Player placement in the enterprise assessment.

No pricing is published on the AR pages. Buyers request a quote, which is likely to depend on modules, invoice volume and the number of countries in scope.

Esker fits organisations that invoice across several countries, need compliant invoice delivery as part of AR, or want order management and AR from the same vendor.

Quadient, which also sells print and digital customer communications tools, sells an accounts receivable automation product aimed at simplifying invoice delivery, speeding up payments and giving finance teams clearer visibility of receivables. The product page lists five capability areas: credit management, collection processes, dispute management, customer payments and cash application.

Credit management uses automation to support credit decisions and reduce customer risk. Collections automation uses triggers to send reminders and handle escalation according to rules set by the finance team, so follow-up does not depend on manual tracking. Dispute management centralises tracking of disputes and exceptions so they can be resolved faster. Customer payments add digital payment options. Cash application automates payment matching and reconciliation.

The feature that sets Quadient apart is its communications background. The page states that invoices and payment reminders can be created and sent from one dashboard in print or digital form, according to each customer's preference. For companies whose customers still expect paper invoices or statements, this avoids running a separate print-and-mail process alongside the AR tool.

AI features on the page cover payment behaviour prediction, automatic prioritisation of collections, monitoring of risk and payment trends, and cash flow forecasting.

No pricing is published. The page offers a free demo. Public product detail is less granular than for some competitors: integration lists, portal features and volume limits are not set out on the page, so buyers should ask for them during the demo.

Quadient AR fits mid-sized companies that invoice a mix of print and digital customers, or that already use Quadient for document output and want AR in the same relationship.

Invoiced, now branded Invoiced by Flywire, describes itself as an AI-native invoice-to-cash platform for B2B finance teams. It combines accounts receivable automation, covering invoicing, collections, cash application, reporting and forecasting, with Flywire's embedded global payments infrastructure. The target buyer is a mid- to large-sized business.

The product is organised into four areas. Invoicing uses payment history, credit profile and dispute patterns to set terms, channel and follow-up plan when an invoice is created. Smart Chasing gives each account its own reminder playbook that adjusts to how the customer pays, rather than following a fixed schedule. Cash application, marketed as Cashmatch AI, matches payments beyond reference numbers, including wires that cover several invoices or arrive without remittance detail. Analytics lets users ask questions in plain English, such as which accounts slipped in a month, and flags changes in payment behaviour. Reporting includes cash collection forecasting and multi-entity reporting, with pre-built and custom report templates.

Payments are the main difference from AR-only tools. Invoiced supports direct debit schemes including ACH, SEPA and Bacs, as well as credit card and virtual card. The vendor states that US$37.5 billion moves through the platform each year and reports customer outcomes such as a 14-day average DSO improvement. These are vendor figures.

For integration, the FAQ states that Invoiced works with any ERP that allows integration: cloud applications through the open API, and on-premise systems through a component called ERP Connect.

No price list is published; the pricing URL leads to the product overview and a contact request. Because payments are processed through Flywire, buyers should request transaction fees with the subscription quote.

Invoiced fits B2B companies that bill customers in several countries and currencies and want payment collection and AR automation from one provider.

Upflow is an accounts receivable platform for B2B finance teams covering collections, customer payments, cash application and AR insights, with AI agents that work alongside the team. Its pricing page publishes plan structure and limits, but each plan is quoted rather than listed with a price. Seats are unlimited on every plan, and plans are set by annual invoiced revenue.

Starter covers up to US$10 million in annual invoiced revenue and up to 40,000 new invoices a year. It includes two-way Gmail and Outlook integration, reminders by email, SMS, call and letter, advanced collection analytics, email support and native integrations.

Grow covers up to US$25 million and 100,000 invoices a year. It adds branded customer portals, a Slack integration, the Upflow REST API, multi-entity dashboards and a dedicated onboarding specialist.

Scale covers up to US$50 million and 200,000 invoices a year. It adds a Smart Rules engine, two-way HubSpot integration, a Collections Agent, an AP Portal Agent and a dedicated customer success manager.

Accelerate covers up to US$100 million and 300,000 invoices a year. It adds a Cash Application Agent, two-way Salesforce integration, enterprise SSO and unlimited entities in one dashboard.

Enterprise is for companies above US$100 million, with up to 700,000 invoices a year and the full set of AI agents: Insights, Collections, AP Portal and Cash Application.

The customer stories on the site report outcomes such as a 68% decrease in invoices more than 31 days overdue and a doubling of customers signed up to autopay. These are vendor-published customer results.

Upflow fits B2B companies that want to give the whole finance and sales team access without paying per seat, and that value a published view of what each tier includes. Buyers who need automated cash application should note that it appears from the Accelerate tier upward.

Chaser is an accounts receivable automation and cash flow forecasting tool that connects to accounting and finance systems through a two-way integration. Its core job is to chase outstanding invoices automatically, help collect payments and recover late payments. The vendor states that more than 10,000 users rely on it, and the site shows a 4.9 out of 5 aggregate rating across review sites and SOC 2 Type II certification.

The pricing page publishes monthly prices by region, with a 10% saving on yearly billing. Plans are set by the customer's annual revenue.

Compact is for companies with annual revenue under £4 million, or under US$5 million. It costs £199 a month in the UK or US$259 a month in the US on monthly billing, and £179 or US$233 a month on yearly billing. It includes four users, 30 follow-up templates and four automated receivables workflows.

Core is for revenue under £10 million, or under US$13 million. It costs £599 or US$779 a month on monthly billing, and £539 or US$700 a month yearly. It adds unlimited users, unlimited templates and workflows, and multi-entity support.

Complete is for revenue under £100 million, or under US$120 million. It costs £899 or US$1,169 a month on monthly billing, and £809 or US$1,050 a month yearly. It adds a dedicated account manager, priority support, assisted onboarding and a receivables forecast.

A Custom plan covers companies above £100 million. Prices are also published in euros, Australian dollars and New Zealand dollars, and consulting services are listed separately. A free trial is offered.

Chaser fits small and mid-sized companies that invoice through a cloud accounting system and want reminder automation without an enterprise sales cycle.

Tesorio describes its product as agentic financial operations: AI agents that handle the order-to-cash lifecycle so the finance team can focus on strategy. The platform has four areas: collections, cash application, forecasting and supplier portals.

The Collections Agent drafts personalised follow-up emails, extracts payment promises from customer replies and manages the dunning pipeline. The product view shows invoices sorted by days beyond terms with a risk score per account, and recommendations such as a promise-to-pay date with a confidence level and its source.

The cash application area drafts matches between incoming payments and open invoices using signals such as amount, customer, due date, remittance reference and PO number, and flags partial or short payments for review. The forecasting area compares forecast collections with actual collections and a target by week, month or quarter, and shows the variance.

Supplier portal submission sets Tesorio apart from many collections-first tools. The agent uploads invoices to customer procurement portals such as Ariba and Coupa, working through authentication, form filling, upload and verification.

The site cites a Tesorio AR benchmark report that puts average DSO in B2B SaaS at 45 days, and shows customer quotes from finance staff at companies including Veeva Systems and Redis. The site also shows a 4.7 out of 5 rating on G2 from 237 reviews. These are vendor-published figures.

No pricing is published; the pricing URL leads to a request to speak with the team. Buyers should ask about ERP and billing-system integrations during evaluation, because the public pages focus on agent capabilities.

Tesorio fits B2B software and services companies with enterprise customers, portal-heavy invoicing and a need for weekly cash forecasts.

Gaviti sells an AI-powered invoice-to-cash platform that works alongside the customer's existing ERP. The pricing page states that pricing is tailored to each company's invoice volume, workflows and requirements, and is based on usage rather than per user. Buyers submit a form and receive a package proposal.

The platform has five modules. Credit Management covers online credit applications, AI-assisted credit review, automated periodic reviews, credit searches in more than 200 countries, alerts on changes in customer credit data, integration with credit bureaus, automated and enforceable credit limits, utilisation flags and order freezes.

Dunning and Collections covers AI-generated emails, customisable workflows, task prioritisation and flagging, central visibility, alerts and cash flow forecasting, plus a customer-facing payment portal.

Dispute Management provides a customer claim form, dispute tracking, full activity and payment history, handling of partial and full disputes, one-click settlement and instant alerts to the relevant team members.

Cash Application covers invoice matching, automated deductions and deduction codes, AI remittance capture, capture from payer portals and capture from lockboxes. The home page states that 90% of payments are matched before the start of the working day, which is a vendor claim.

The Payment Portal offers no-fee ACH, credit card payments, other payment options, invoice and payment history, autopay, customer credit requests and dispute initiation, with automatic cash application for portal payments.

Every package includes an AI assistant, an agentic AI chat, custom fields, unlimited workflows, multiple-entity support, unlimited users and unlimited permission profiles.

Gaviti fits mid-sized B2B companies that want most of the AR cycle covered, including credit and disputes, without paying per seat or replacing their ERP.