10 Best Accounts Receivable Software of 2026

1. 1

   BILL

   Financial operations platform for small and mid-sized businesses that combines receivables, payables and spend management.

   9.1overall

   Financial operations platform for small and mid-sized businesses that combines receivables, payables and spend management.

   Best forsmall and mid-sized US businesses that want AR and AP in one tool

   Adoption data

   475,300BILL said 475,300 businesses used its solutions at the end of its first quarter of fiscal 2027, the quarter ended September 2026.

   BILL, BILL Reports First Quarter Fiscal Year 2027 Financial Results (2026): “Served 475,300 businesses using our solutions as of the end of the first quarter.”

   BILL is the most widely used product in this ranking and the easiest to buy: the AP and AR subscription is priced per user, with Essentials at $49, Team at $65 and Corporate at $89 per user per month. Essentials already lets a business send and track invoices, automate payment reminders, take ACH and card payments and set customers up on auto-charge, which covers the core of small-business receivables. Team adds finer controls and an automatic two-way sync with leading accounting software, which matters once more than one person touches the ledger. In its November 2026 results, BILL reported 475,300 businesses using its solutions and $102 billion in quarterly payment volume. The limits are depth and cost at scale. BILL has no deductions management or credit scoring module, and a ten-person collections team pays ten seats, so larger AR departments often compare HighRadius, Billtrust or Versapay. BILL also charges per-transaction fees for some payment types.

   Strengths

   • +Published per-user prices on every self-serve plan
   • +Largest disclosed business count in this list, 475,300
   • +Same subscription covers accounts payable

   Limitations

   • −Per-user pricing adds up for large AR teams
   • −Some payment types carry extra per-transaction fees
   • −No dedicated deductions or credit-risk modules like HighRadius

   SummaryBILL is the best choice for small and mid-sized US businesses because its $49 Essentials plan covers invoicing, reminders, ACH and card collection and auto-charge. It also has the largest disclosed customer base here.

2. 2

   HighRadius

   Enterprise order-to-cash suite covering collections, cash application, deductions, credit, EIPP, B2B payments and AR forecasting.

   8.7overall

   Enterprise order-to-cash suite covering collections, cash application, deductions, credit, EIPP, B2B payments and AR forecasting.

   Best forenterprise and upper mid-market AR teams on SAP, Oracle or NetSuite

   Adoption data

   1,500+HighRadius states on its accounts receivable product page that more than 1,500 finance teams at large enterprises and mid-size firms use its AR software.

   HighRadius, Accounts Receivable Software (2026): “Trusted By 1500+ Finance Teams Across Large Enterprises & Growing Mid-Size Firms”

   HighRadius is the broadest receivables suite in this comparison. One platform covers collections, cash application, deductions, credit, electronic invoice presentment and payment, B2B payments, analytics and AR forecasting, and the vendor says more than 60 AI agents handle tasks such as invoice matching, dunning, risk scoring and dispute routing. Connectors are documented for SAP, Oracle, NetSuite, Microsoft Dynamics and Workday, and remittance data is captured from email, EDI, checks, lockbox files from more than 100 banks and AP portals such as Coupa and Ariba. That depth is why it ranks second: deductions-heavy industries such as consumer goods and distribution get tooling that the small-business products here lack. HighRadius says 1,500+ finance teams use it. The trade-off is cost transparency, since there is no public price, and the platform is sized for teams with thousands of invoices and complex ERP estates rather than a company sending a few hundred invoices a month.

   Strengths

   • +Covers every AR workflow, including deductions and credit
   • +Connects to Coupa, Ariba, Tungsten and 600 customer portals
   • +1,500+ finance teams named on the product page

   Limitations

   • −No published prices
   • −Scope is more than most small businesses need
   • −Implementation runs through a sales-led demo

   SummaryHighRadius is the best choice for enterprise AR teams because it covers collections, cash application, deductions and credit with 60+ AI agents and native SAP, Oracle and NetSuite connectors. Smaller teams will pay for scope they do not use.

3. 3

   Billtrust

   B2B accounts receivable platform for invoicing, payments, credit, collections and cash application, built on a large buyer network.

   8.5overall

   B2B accounts receivable platform for invoicing, payments, credit, collections and cash application, built on a large buyer network.

   Best forB2B suppliers and distributors that invoice large buyers through AP portals

   Adoption data

   2,600+ suppliersBilltrust reports more than 2,600 supplier customers and a network of more than 20 million buyers on its company page.

   Billtrust, About Billtrust (2026): “20M+ Buyers 2,600+ Suppliers”

   Billtrust is built for suppliers that sell to other businesses on credit and need invoices, payments and remittances to flow through their customers' systems. Its platform splits into invoicing and payments on one side and credit, collections and cash application on the other. The invoicing module delivers invoices to more than 260 AP portals from one interface, which removes a large manual task for distributors that bill big retailers or manufacturers. Cash application advertises 95%+ match rates, with top-quartile customers at 99.6% according to the vendor. Billtrust says its recommendations draw on data from more than 20 million buyers and more than $1 trillion in annual invoice volume, and its company page lists more than 2,600 suppliers and 200+ connectors to ERPs, banks and financial institutions. It ranks just behind HighRadius because it lacks a published deductions module of the same depth, and it does not publish prices. Small service businesses will find BILL or Chaser simpler.

   Strengths

   • +Buyer network data covers 20M+ buyers and $1T+ in annual invoice volume
   • +AP portal coverage is the widest documented here
   • +Credit, collections and cash application in one platform

   Limitations

   • −No published prices
   • −Aimed at suppliers with B2B invoice volume, not small service firms
   • −Fewer self-serve options than BILL or Chaser

   SummaryBilltrust is the best choice for B2B suppliers billing large buyers because it delivers invoices to 260+ AP portals and reports 95%+ cash application match rates. Pricing is quote-only.

4. 4

   Versapay

   Collaborative AR platform with digital invoicing, a self-serve customer portal, cash application and collections for mid-market companies.

   8.5overall

   Collaborative AR platform with digital invoicing, a self-serve customer portal, cash application and collections for mid-market companies.

   Best formid-market companies on NetSuite, Sage Intacct or Dynamics 365

   Adoption data

   10,000+ customersVersapay's homepage lists more than 10,000 customers, more than 5 million companies transacting on its network, 120 million transactions a year and $257 billion in annual payments processed.

   Versapay, Versapay: Accounts Receivable Automation Software (2026): “10,000+ 5M+ 120M $257B customers companies transacting transactions annually payments processed annually”

   Versapay focuses on the collaborative side of receivables: invoices are presented electronically and customers get a self-serve portal where they can pay, manage their accounts or dispute a line before it turns into a late payment. Around that portal sit cash application, which matches payments to open invoices with machine learning, and collections management that automates tasks and prioritizes accounts. Native integrations cover Oracle NetSuite, Sage Intacct and both Microsoft Dynamics 365 editions, and other ERPs connect through open APIs or flat files. The vendor homepage cites more than 10,000 customers, more than 5 million companies transacting, 120 million transactions a year and $257 billion in payments processed annually. Versapay sits fourth because it publishes no prices and lacks the deductions and credit tooling that HighRadius and Billtrust document. For a NetSuite or Intacct shop that wants customers to self-serve disputes and payments, it is a strong fit.

   Strengths

   • +Customer portal lets buyers pay, manage accounts and raise disputes
   • +Native connectors for the main mid-market ERPs
   • +Network of 5M+ companies transacting

   Limitations

   • −No published prices
   • −Fewer enterprise modules than HighRadius, such as deductions
   • −Self-guided tours instead of a free trial

   SummaryVersapay is the best choice for mid-market teams on NetSuite, Sage Intacct or Dynamics 365 because it pairs native ERP connectors with a customer portal for payments and disputes. Expect a sales-led quote.

5. 5

   Chaser

   Receivables automation for small and mid-sized businesses with email, SMS and phone chasing, a payment portal and credit monitoring.

   8.4overall

   Receivables automation for small and mid-sized businesses with email, SMS and phone chasing, a payment portal and credit monitoring.

   Best forsmall finance teams that want automated chasing with an optional managed service

   Adoption data

   10,000+ usersChaser says more than 10,000 users worldwide use its software to chase invoices and protect cash flow.

   Chaser, Accounts receivable automation software (2026): “Over 10,000 users worldwide rely on Chaser to get paid faster, protect their cash flow and maintain good customer relationships.”

   Chaser automates the follow-up work that eats a small credit team's week. Reminders go out by email, SMS, automated phone call and letter, and customers can pay through a portal or agree a payment plan. Beyond chasing, the product adds credit monitoring, AI debtor risk insights, payment prediction, late payment fees and early payment discounts, plus cash flow and receivables forecasts. The US Compact plan starts at $259 per month, or $233 per month billed yearly, and includes 4 users, 30 follow-up templates and 4 automated workflows. Core, from $779 per month, removes those caps and adds multi-entity support. Chaser also sells Care, an add-on that assigns an AR specialist to handle follow-ups, calls and disputes, which suits teams without a dedicated collector. Chaser says more than 10,000 users rely on it. The entry price is higher than Paidnice or InvoiceSherpa, and plan revenue bands are defined in pounds.

   Strengths

   • +Published USD prices with a 10% yearly discount
   • +Compact plan includes 4 users and 4 automated workflows
   • +Managed collections service available as an add-on

   Limitations

   • −Compact is capped at 30 follow-up templates
   • −Revenue bands on each plan are set in pounds
   • −More expensive entry point than Paidnice or InvoiceSherpa

   SummaryChaser is the best choice for small finance teams that want multichannel chasing and an optional managed service because Compact covers email, SMS and phone reminders for 4 users from $259 a month. Very small businesses can spend less with Paidnice.

6. 6

   Paidnice

   Collections automation for Xero, QuickBooks Online and Stripe users, with reminders, late fees, statements and payment plans.

   8.2overall

   Collections automation for Xero, QuickBooks Online and Stripe users, with reminders, late fees, statements and payment plans.

   Best forsmall businesses on Xero or QuickBooks Online

   Adoption data

   $1 billion collectedPaidnice says customers have collected $1 billion on time across more than 1 million invoices since 2022.

   Paidnice, Paidnice homepage (2026): “$1 billion collected on time across more than 1 million invoices since 2022.”

   Paidnice is the value pick for small businesses whose books live in Xero or QuickBooks Online. Essentials costs $69 per month and monitors up to 150 invoices, sends up to 600 emails and supports 2 team members, with engagement tracking, debtor reporting, multi-currency support and a public API included. The tool's distinctive features are the money levers: automatic late fees, early payment discounts and statements, plus parent-child customers that roll several Xero contacts into one statement and payment. Pro plans run from $99 per month for 300 invoices to $799 for 4,000 and add unlimited users, payment plans, in-app calling with transcripts and multiple entities. Paidnice reports $1 billion collected on time across more than 1 million invoices since 2022. The limits show at scale: ERP connections need the Custom plan from $999 a month, SMS costs extra, and it has no cash application or credit module.

   Strengths

   • +Clear USD prices tiered by invoice volume
   • +First 20 actions free with no credit card
   • +Pro plans include unlimited users

   Limitations

   • −Essentials allows only 2 team members
   • −ERP support only on the Custom plan from $999 a month
   • −SMS reminders billed separately at $0.10 each

   SummaryPaidnice is the best choice for small businesses on Xero or QuickBooks because Essentials automates reminders, late fees and statements for 150 invoices a month at $69. Teams on an ERP should look higher in the list.

7. 7

   Upflow

   Collections and payments platform for B2B companies, priced by annual invoiced revenue.

   8.0overall

   Collections and payments platform for B2B companies, priced by annual invoiced revenue.

   Best forB2B SaaS and services companies with $10M to $100M in invoiced revenue

   Adoption data

   $14.7 billionUpflow reported that total payment volume processed through its platform reached $14.7 billion in 2024.

   Upflow, 2024 highlights: Upflow's best year (2024): “total payment volume processed through Upflow grew to $14.7 billion in 2024”

   Upflow targets B2B companies, especially subscription and services businesses, that want collections to be a shared job between finance, sales and customer success. Every plan includes unlimited user seats, two-way Gmail and Outlook sync and reminders by email, SMS, call and letter. Plans are tiered by annual invoiced revenue: Starter covers up to $10M and 40,000 new invoices a year, Grow adds branded customer portals, a REST API and multi-entity dashboards, Scale adds a HubSpot sync and AI agents for collections and AP portals, and Accelerate adds a cash application agent and Salesforce sync. Payments by Upflow publishes its fees, 3.5% + $0.30 for cards and 0.8% capped at $5 for ACH Direct Debit, with a $390 monthly platform fee for the full payments product. Upflow reported $14.7 billion in payment volume in 2024. Subscription prices are quote-only, and cash application sits several tiers up, so value scores below the published-price tools.

   Strengths

   • +Unlimited seats, so the whole company can join collections
   • +Plan tiers and limits are published by invoice volume
   • +Payment fees are published: cards 3.5% + $0.30, ACH 0.8% capped at $5

   Limitations

   • −Subscription prices are quote-only
   • −Full payments product adds a $390 monthly platform fee
   • −Cash application only on the Accelerate tier and above

   SummaryUpflow is the best choice for B2B SaaS and services companies that want sales and success teams involved in collections because every plan includes unlimited seats. Subscription prices require a quote.

8. 8

   Kolleno

   Order-to-cash platform with collections, cash application, credit and dispute management and a customer payment portal.

   7.9overall

   Order-to-cash platform with collections, cash application, credit and dispute management and a customer payment portal.

   Best formid-sized collections teams invoicing in many currencies

   Adoption data

   1,000+ teamsKolleno states that more than 1,000 collection teams use its platform.

   Kolleno, Kolleno homepage (2026): “Trusted by 1,000+ collection teams of all sizes”

   Kolleno covers more of the order-to-cash cycle than most tools at its size. Alongside automated follow-ups and AI-drafted emails, it offers a customizable customer payment portal with payment links, a transaction matching module for reconciliation, credit and risk management, dispute management and an AP portal agent. Connectors are listed for NetSuite, Sage, SAP, Xero, Clio and QuickBooks, plus an open API, and the platform handles more than 150 currencies, which helps groups invoicing across regions. The Business Pay plan costs $650 per user per month billed monthly and suits teams with under 100 invoices and one ERP account; Business Plus is $1,245 and raises limits. Kolleno says more than 1,000 collection teams use it and lists ISO 27001 and SOC 2 Type II certification. The entry price is the highest of any published plan here, so value scores lower than Chaser or Paidnice despite the wider feature set.

   Strengths

   • +Publishes USD prices for its two self-serve tiers
   • +Multi-currency and multi-entity support
   • +Includes 100 SMS and 100 calls on Business Pay

   Limitations

   • −Highest published entry price in this list
   • −Business Pay limited to one ERP account and under 100 invoices
   • −Enterprise tiers require a sales call

   SummaryKolleno is the best choice for mid-sized teams collecting in many currencies because it supports 150+ currencies with built-in payment reconciliation. Its $650 per user entry price is steep for small firms.

9. 9

   Tesorio

   AI agents for collections, cash application, forecasting and supplier portal management across order-to-cash.

   7.5overall

   AI agents for collections, cash application, forecasting and supplier portal management across order-to-cash.

   Best forB2B SaaS finance teams that bill through Coupa or Ariba

   Adoption data

   200+ customersTesorio reports a 95%+ auto-match rate for cash application across more than 200 customers.

   Tesorio, Tesorio: Agentic Financial Operations (2026): “95%+ auto-match rate across 200+ customers.”

   Tesorio splits receivables work into three AI agents. The Collections Agent drafts personalized follow-up emails, pulls payment promises out of customer replies and manages the dunning pipeline. The Cash Application Agent matches incoming payments to open invoices, flags partial payments and exceptions, and the vendor reports a 95%+ auto-match rate across 200+ customers. The Supplier Portal Agent submits invoices to Coupa and Ariba, tracks status and downloads remittances, a chore that often consumes a collector's afternoon. Forecasting uses machine learning to predict receipts by week, month or quarter. Customer quotes on the site come from software companies such as Veeva Systems and Redis, which reflects its core market. Tesorio ranks ninth because adoption evidence is limited to the 200+ customer figure tied to cash matching and prices are not published, but its portal automation is a strong reason for SaaS finance teams billing large enterprises to request a demo.

   Strengths

   • +Automates AP portal submissions and remittance downloads
   • +Payment promises captured from customer emails
   • +Rated 4.7 out of 5 from 238 G2 reviews per the vendor

   Limitations

   • −No published prices
   • −Smallest disclosed customer count among the enterprise tools
   • −Fewer native ERP details published than Versapay or HighRadius

   SummaryTesorio is the best choice for SaaS finance teams billing through Coupa or Ariba because its Supplier Portal Agent submits invoices and downloads remittances on its own. Its disclosed customer base is small.

10. 10

    InvoiceSherpa

    Low-cost AR automation that syncs with accounting software, sends reminders and auto-collects card and ACH payments.

    7.2overall

    Low-cost AR automation that syncs with accounting software, sends reminders and auto-collects card and ACH payments.

    Best forsole proprietors and very small service businesses on QuickBooks

    InvoiceSherpa is the simplest and cheapest product in this ranking. It syncs invoices and customers from accounting software, sends the initial invoice and late reminders on a custom schedule, lets customers pay by card or ACH straight from the invoice and books payments back to the ledger. Plans are flat rather than per user: Sole Proprietor costs $49 per month for up to 100 open invoices, Small Business $99 for 101 to 500 and Enterprise $199 for unlimited open invoices, with lower monthly rates on yearly billing. A 14-day free trial needs no credit card. The cost to watch is the 1% transaction fee on all invoices paid, which InvoiceSherpa waives only for payments processed through its Propelr partner. The vendor does not publish a customer count we could cite, and it lacks cash application, credit monitoring and dispute tools, so it ranks last despite strong value for one-person businesses.

    Strengths

    • +Lowest published entry price here, tied with BILL at $49
    • +14-day free trial with no credit card
    • +Flat plans, not per user

    Limitations

    • −1% transaction fee on all invoices paid
    • −Sole Proprietor plan capped at 100 open invoices
    • −No published customer count

    SummaryInvoiceSherpa is the best choice for sole proprietors because $49 a month automates reminders and card or ACH collection for up to 100 open invoices. Watch the 1% fee on paid invoices.

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