The best accounts receivable collections software in 2026 connects to your ledger and chases unpaid invoices. Paidnice is the best choice for a Xero or QuickBooks Online business up to $50m a year; BILL and Chaser also fit that group. NetSuite, Sage Intacct and SAP teams above $50m pick Versapay, Quadient AR or HighRadius. Kolleno and Gaviti span both.
- Paidnice:
- BILL:
- Chaser:
- Kolleno:
| Tool | Best for |
|---|---|
| Paidnice | A Xero or QuickBooks Online business up to $50m a year that wants reminders, late fees and interest, payment plans and AI-drafted replies |
| BILL | A US business already paying suppliers through BILL that wants invoicing, ACH and card collection with reminders |
| Chaser | A UK-led or Xero finance team that wants revenue-tiered plans with letters, automated calls and Creditsafe credit checks |
| Gaviti | A mid-sized team on Xero, QuickBooks, NetSuite or Sage Intacct that wants AI-written dunning and cash application |
| HighRadius | An enterprise collections team on SAP, Oracle, Dynamics or NetSuite that wants ML-ranked worklists and a voice agent |
| Kolleno | An order-to-cash team that wants collections and cash application in one platform |
| Quadient AR | A NetSuite, Sage or Dynamics team that wants payment prediction, credit decisions and agentic email triage |
| Versapay | A mid-market B2B company on NetSuite, Sage Intacct or Business Central that wants collections, a portal and B2B payments |
The average US small business waited 29.7 days to be paid and late payments averaged 8.6 days, on Xero's latest US small business data.
What accounts receivable collections software is (and what it is not)
Accounts receivable collections software is a tool that connects to your ledger and automates the work between issuing an invoice and receiving the cash: reminders, payment, cash matching and reporting.
- Tracks every unpaid invoice from Xero, QuickBooks Online, NetSuite or Sage Intacct, in aging buckets of 30, 60 and 90 days overdue.
- Sends dunning reminders on a schedule before and after the due date, by email, SMS, letter or call, and stops the sequence when the invoice is paid.
- Gives the customer a payment portal to view invoices, pay by card, ACH or direct debit, raise a dispute or record a promise to pay.
The same category is sold as AR collections software, AR automation software, dunning software and credit control software.
It is not the ledger. The invoice, the payment and the aging report stay in Xero, QuickBooks Online, NetSuite or Sage Intacct.
How were these eight collections tools chosen?
This list helps a finance team choose collections software by revenue band and ledger, from Xero and QuickBooks Online businesses to ERP teams.
| What we checked | Where the evidence came from |
|---|---|
| Published from-price in US dollars | Each vendor's pricing page, with "Quote only" where no price is printed |
| Ledgers supported | Vendor integration pages for Xero, QuickBooks Online, NetSuite, Sage Intacct and SAP |
| Late fees and interest | Vendor help and feature pages, with "None found" where no fee function is documented |
| Cash application, promise to pay and disputes | Vendor product pages for collections and cash application |
| Rating and review count | The Xero App Store for apps listed there, and G2 for the rest |
What should accounts receivable collections software do?
Accounts receivable collections software should cover five jobs: automated dunning, a self-service payment portal, cash application, DSO and aging dashboards, and a two-way ledger integration.
Every job runs on a two-way sync with Xero, QuickBooks Online, NetSuite, Sage Intacct, Business Central or SAP, so a payment posted in the ledger stops the reminder the same day.
Late fees and interest are where the eight tools split. Only Paidnice and Chaser raise the charge themselves: Paidnice posts an invoice late fee and statement interest to the ledger per customer group, Chaser applies late payment fees.
Which accounts receivable collections software fits your revenue band?
Accounts receivable collections software fits by annual revenue first, because Chaser and Kolleno publish size gates in turnover. Paidnice states its fit as any size up to $50m a year, or 50,000 invoices a year. The other five publish no size gate, so their band rests on their ledgers and named customers.
| Annual revenue | Tools that fit the band | Placement basis |
|---|---|---|
| Under $5m | Paidnice, BILL, Chaser (Compact), Kolleno (BusinessPay under £1m, then Business Plus) | Paidnice: stated fit, no published gate. Chaser Compact: cap £4m. Kolleno: BusinessPay under £1m and 100 invoices, Business Plus £1m to £100m. BILL: no published gate. |
| $5m to $50m | Paidnice, Chaser (Core and Complete), Gaviti, Kolleno (Business Plus) | Paidnice: stated fit to $50m. Chaser Core and Complete: caps £10m and £100m. Kolleno Business Plus: £1m to £100m. Gaviti: no published gate. |
| $50m to $500m | Chaser (Complete), Gaviti, Kolleno (Business Plus to £100m, then Enterprise), Quadient AR, Versapay | Chaser Complete: cap £100m. Kolleno Enterprise: £100m to £1bn. Gaviti, Quadient AR, Versapay: no published gate. |
| Over $500m | HighRadius, Kolleno (Enterprise), Quadient AR, Versapay | HighRadius: no published gate. Kolleno Enterprise: £100m to £1bn; Enterprise Plus above £1bn. Quadient AR, Versapay: no published gate or ceiling. |
A tool appears in every band its published gate covers. "No published size gate": the vendor prints no revenue or invoice floor.
BILL is placed by its per-user price and its QuickBooks and Xero sync.
If you count invoices rather than revenue, Paidnice prices by monthly invoice volume: 150 on Essentials and 300 to 4,000 on Pro. Kolleno also lists invoice volume per plan (under 100 on BusinessPay, under 300 on Business Plus, over 1,000 on Enterprise). The other six publish no invoice tier, so revenue is the only published axis for them.
Which accounts receivable collections software fits your accounting system?
Your accounting system rules out every accounts receivable collections tool without a connector for it.
- Xero: Paidnice (native), BILL (two-way sync from Team; Essentials is CSV only), Chaser, Gaviti, Kolleno, Quadient AR, HighRadius (Xero Online connector page).
- QuickBooks Online: Paidnice (native, with Stripe pay links), BILL, Chaser, Gaviti, Kolleno, Quadient AR (edition not named), HighRadius (QuickBooks Online and Intuit Enterprise Suite, not Desktop).
- NetSuite: Versapay and Quadient AR (native connector), BILL (Enterprise plan), Chaser, Gaviti, HighRadius, Kolleno (Enterprise), Paidnice (Custom plan).
- Sage Intacct: BILL (Enterprise plan), Chaser (also Sage 50 UK and Sage 200), Gaviti, Kolleno, Quadient AR, Versapay, Paidnice (Custom plan; cloud Sage only, never Sage 50 or Sage X3).
- Dynamics 365 Business Central: BILL (Enterprise plan), Chaser, HighRadius, Kolleno (Enterprise), Quadient AR, Versapay (also Dynamics 365 Finance and Supply Chain), Paidnice (Custom plan). BILL, HighRadius and Quadient AR name Microsoft Dynamics without the edition.
- SAP or Oracle: Chaser (SAP), Gaviti, HighRadius (SAP and Oracle first, 50 or more ERP connectors), Kolleno (Enterprise), Quadient AR (SAP).
How do these accounts receivable collections tools compare?
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| Best for | Xero or QuickBooks Online, up to $50m, late fees and plans | US businesses already paying suppliers through BILL | UK-led or Xero teams wanting letters, calls and credit checks | Mid-sized teams wanting AI-written dunning and cash application | Enterprise teams on SAP or Oracle needing ML worklists | Collections and cash application in one platform | NetSuite, Sage or Dynamics teams wanting payment prediction | Mid-market NetSuite or Intacct teams wanting B2B payments |
| From (monthly, USD; Chaser GBP) | $69 | $49 per user | £199 | Quote only | Quote only | $650 per user | Quote only | Quote only |
| Ledgers | Xero, QuickBooks Online and newer ledgers on every plan; Sage and other ERPs on Custom | QuickBooks, Xero; ERPs on Enterprise | Xero, QuickBooks, Sage, NetSuite, SAP | Xero, QuickBooks, NetSuite, Intacct, SAP (last seen on G2 and GetApp) | SAP, Oracle, Dynamics, NetSuite, Intacct, QuickBooks Online, Xero, 50+ ERPs | Xero, QuickBooks, Intacct; NetSuite, SAP on Enterprise | NetSuite, SAP, Dynamics, Xero, QuickBooks, Intacct | NetSuite, Intacct, Business Central; others by API |
| Reminder channels | Email, SMS, WhatsApp, posted letters, in-app calls by a person | Email, US mail | Email, SMS, letters, automated calls | Email, calls, voice agent | Email, SMS, phone | Email, print | Email, tracked phone calls | |
| Late fees and interest | Yes (per customer group) | None found | Yes | None found | None found | None found | None found | None found |
| Payment portal | Yes | Yes | Yes | Yes (zero-fee ACH) | Not on the collections page | Yes | Yes (installments not documented) | Yes |
| Cash application | Portal payments only | Payments sync to ledger | Not documented | Yes | Yes | Enterprise only, by quote | Yes | Yes |
| Promise to pay and disputes | Yes | Not documented | Yes | Disputes only | Yes | Yes | Disputes only | Yes |
| AI | Advanced Reads customer replies, drafts answers and follow-up actions (like PO updates) for your approval; MCP server for Claude, ChatGPT and other agents | None No AI in receivables (its AI agents are for payables) | Advanced Agentic AI assistant for collections and cash application | Advanced Enterprise AI agents across collections, cash application and credit | Advanced Insights, Copilot drafts and an autonomous Agent; AI agent support from Business Plus, fully automated agent runs and AP portal features billed separately by token use | Advanced Reads inbound AR emails and prepares suggested actions for a person to approve; payment prediction, prioritisation and a cash assistant | Basic AI cash matching and an assistant | |
| Rated (source, count) | 5.0 (84, Xero App Store) | 4.4 (about 1,800, G2) | 4.98 (374, Xero App Store) | 4.4 (190, G2) | 4.3 (238, G2) | 4.9 (117, G2) | 4.4 (156, G2) | 4.1 (101, G2) |
"Not documented": not on the vendor's pages. "None found": no late fee or interest function on the vendor's pages. "Quote only": no published price. "Disputes only": disputes documented, promise to pay not. Prices are published from-prices in US dollars; Chaser is shown in UK pounds.
The eight tools in five checked facts
- Four of the eight publish a starting price: Paidnice from £49 (US$69), BILL from US$49 per user, Chaser from £199 and Kolleno from US$650. Gaviti, HighRadius, Quadient AR and Versapay quote.
- Published prices grow with: invoice volume (Paidnice), users (BILL), revenue band (Chaser) and users (Kolleno).
- Two of the eight apply a late fee themselves: Paidnice (per customer group) and Chaser (one set of late-fee rules, across the account or for selected debtors, not tied to schedules).
- Seven of the eight list both Xero and QuickBooks Online. Versapay's pages list neither.
- AI that handles collections work or customer replies: Paidnice, Gaviti, HighRadius, Kolleno and Quadient AR (reads inbound emails, a person approves the action). AI that scores or predicts only: Versapay. No AI in receivables: BILL.
We checked each tool's own pricing, integration and help pages. "None found" in the data means the vendor's pages do not show the feature.
1. Paidnice, best for late fees and reminders
Best for: Late fees and reminders on Xero or QuickBooks Online.
Paidnice is accounts receivable automation for Xero and QuickBooks Online businesses of any size up to $50m a year, with reminders, late fees and interest, statements, payment plans (on Pro) and escalation, from £49 (US$69) a month.
What is Paidnice best for?
Choose Paidnice if you run Xero or QuickBooks Online and want late fees, reminders, plans and AI replies priced by invoice volume.
- Fits
- Xero or QuickBooks Online, from the first invoice up to $50m a year, or 50,000 invoices a year.
- Entry cost
- £49 (US$69) a month on Essentials (150 invoices, 2 users); Pro from £74 (US$99) for 300 invoices with unlimited users and payment plans; Custom from $999 for ERP connections. No contracts. Free sign-up, no card, first 20 actions free.
- Rated
- 5.0 from 84 Xero App Store reviews; 4.9 on Capterra.
- Awards
- Xero Global Small Business App of the Year 2025 and NZ Small Business App of the Year 2026.
- Runs on
- Xero and QuickBooks Online natively on every plan, with Stripe pay links. Newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo are available on every plan through Paidnice's closed testing program. NetSuite, Sage Accounting, Sage Intacct, MYOB, Business Central and other ERPs connect on the Custom plan.
- Reminder channels
- Email (own domain on Pro), SMS, two-way WhatsApp, posted letters (Pro and up), statements and a customer portal; in-app calls a person makes, recorded and transcribed.
- Late fees and interest
- Yes. An invoice late fee and statement interest, flat or percentage, with a grace period, posted to the ledger per customer group. Applied automatically, waived deliberately.
- Does best
- Posting late fees and interest to the Xero or QuickBooks Online ledger per customer group.
Paidnice runs a reminder policy per customer group. The portal takes card, ACH, BACS and direct debit, a promise to pay, a dispute that pauses the policy, and a Stripe auto-charged payment plan, with payments recorded in the ledger. Paidnice uses AI to read replies and draft the response; a person approves the draft unless the policy is pre-approved.
Limitations with Paidnice. Native to Xero and QuickBooks Online, with newer ledgers on every plan through closed testing; Sage Accounting and other ERPs need the Custom plan. Paidnice matches payments through Xero, QuickBooks Online and Stripe; bank-file matching is not documented.
Best Accounts Receivable Collections Software Compared (2:15)
2. BILL, best for US supplier payments
Best for: US businesses already paying suppliers through BILL.
BILL is an accounts payable platform with a bundled receivables module, for US businesses that want invoicing, ACH and card collection with automated reminders, from $49 per user a month.
What is BILL best for?
Choose BILL if you are a US business that already pays suppliers through BILL and needs simple invoicing, ACH and card collection with reminders.
- Fits
- US small businesses and their accountants; no published revenue or invoice gate.
- Entry cost
- $49 per user a month on Essentials, $65 on Team, $89 on Corporate; Enterprise is quoted. Receiving fees on top: ACH $0.59, card 2.9%, instant transfer 1.25% with a $1 minimum, mailed invoice $1.99.
- Rated
- 4.4 from about 1,800 G2 reviews.
- Runs on
- QuickBooks Online, Pro and Premier, Xero; NetSuite, Sage Intacct and Microsoft Dynamics on the quoted Enterprise plan only. Essentials is CSV import and export only; two-way QuickBooks and Xero sync starts on Team.
- Reminder channels
- Email or US mail invoices, payment links and a customer portal.
- Late fees and interest
- None found; the receivables page documents reminders only.
- Does best
- Keeping payables and receivables in the account a US business already uses for bill pay.
- Customers
- Named on its website (mostly payables): Marine Layer, KiwiCo and Spikeball.
Limitations with BILL. No late fees, statements, payment plans or credit tools appear on the receivables page, and Essentials does not sync two-way with QuickBooks or Xero. Receiving fees sit on top of the per-user price.
3. Chaser, best for letters and calls
Best for: UK-led teams wanting letters, calls and bureau credit checks.
Chaser is reminder-led credit control software with email, SMS, letter and automated call chasing and Creditsafe credit checks, from £199 a month for turnover under £4m.
What is Chaser best for?
Choose Chaser if you are a UK-led or Xero finance team that wants revenue-tiered plans with letters, calls, bureau credit checks and a managed service option.
- Fits
- Published revenue caps: Compact under £4m turnover with 4 users, Core from £4m to under £10m, Complete to £100m.
- Entry cost
- £199 a month on Compact, £599 on Core, £899 on Complete; yearly billing is £179, £539 and £809 a month. Chaser Care managed-service bundles run £899 to £2,099. Chaser offers a free trial (10 days on the Xero listing) or a conversation with an expert; no minimum term, 10% off yearly billing.
- Rated
- 4.98 from 374 Xero App Store reviews; 4.9 from 45 on Capterra; 4.3 from 71 on G2.
- Runs on
- Xero, QuickBooks Online, Sage 200, Sage 50 UK, Sage Business Cloud Accounting, Sage Intacct, NetSuite, Dynamics 365 Business Central, Odoo, SAP, AccountsIQ, iFinance, Stripe, plus API and CSV.
- Reminder channels
- Email, SMS, automated letters, automated phone calls and in-app calling. The automated calls are text-to-speech and one-way.
- Late fees and interest
- Yes. Monthly statements, payment plans, a portal and disputes alongside it.
- Does best
- Creditsafe credit checking and multi-channel chasing in one tool, with Chaser Care people available to take the chasing over.
- Customers
- Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered.
Limitations with Chaser. Compact caps the team at four users. SMS and calls include monthly credits (100 on Compact, 600 on Core, 1,200 on Complete); letters and extra SMS and calls are paid add-ons. The price rises with turnover. Credit checks are sold by credit on any plan and need Chaser billing, not Xero App Store billing; monitoring is not offered in Australia.
4. Gaviti, best for AI-written dunning
Best for: Mid-sized teams wanting AI-written dunning.
Gaviti is an AI invoice-to-cash platform for mid-sized finance teams on Xero, QuickBooks, NetSuite or Sage Intacct, with AI-written dunning and cash application, on quote-only, usage-based pricing.
What is Gaviti best for?
Choose Gaviti if you are a mid-sized team on Xero, QuickBooks, NetSuite or Intacct that wants an AI assistant and AI-written dunning with unlimited users.
- Fits
- No published size gate. Gaviti describes its market as medium to large enterprises, while close to half of its Capterra reviewers are small businesses.
- Entry cost
- Quote only. Priced by usage, with unlimited users and workflows. No trial; a demo instead.
- Rated
- 4.4 from 190 G2 reviews; 4.5 from 91 on Capterra.
- Runs on
- Xero, QuickBooks Online and Desktop, NetSuite, Sage Intacct and SAP, as last seen on G2 and GetApp. Gaviti says it works with any ERP.
- Reminder channels
- Email reminders and a customer portal with zero-fee ACH.
- Late fees and interest
- None found.
- Does best
- An AI assistant that answers questions about the receivables book, AI-generated collection emails, and cash application the vendor says completes 90% of matches automatically.
- Customers
- Named on its website: EY, TravelPerk and Monday.com.
Reminders, escalations, collector task prioritization and disputes with routing sit around the cash application.
Limitations with Gaviti. No published price and no trial, so the cost is unknown until a sales call. No late fee or interest function; SMS and calling are not documented.
5. HighRadius, best for enterprise SAP or Oracle
Best for: Enterprise collections teams on SAP or Oracle.
HighRadius is an enterprise order-to-cash suite with ML-ranked collections worklists, a 0 to 100 collections score and a voice agent, for large teams on SAP, Oracle, Dynamics or NetSuite, on quote-only pricing.
What is HighRadius best for?
Choose HighRadius if you are an enterprise collections team on SAP, Oracle, Dynamics or NetSuite that needs ML-ranked worklists and voice agents.
- Fits
- No published size gate. HighRadius sells to large enterprises and mid-sized organizations.
- Entry cost
- Quote only. An outcome-based option is published with a $0 implementation fee and a gain-share fee after go-live, with the percentage left blank.
- Rated
- 4.3 from 238 G2 reviews; 4.4 from 13 on Capterra.
- Runs on
- SAP, Oracle, Microsoft Dynamics, NetSuite and 50 or more ERPs. QuickBooks Online is named on the collections product page.
- Reminder channels
- Email dunning, call notes with real-time transcription, and a virtual call attendant agent for routine outreach.
- Late fees and interest
- None found.
- Does best
- Ranking the collector's day: a 0 to 100 ML collections score, customers stack-ranked automatically, and an end-of-month delinquency forecast.
- Customers
- Named on its website: Nestle, Danone and Ferrero. Ferrero's case study reports a 67% drop in average days delinquent.
HighRadius covers the whole order-to-cash cycle: credit management, dunning, promise-to-pay tracking, disputes and cash application, with dunning letters written by large language models and, on the collections product page, 7 automated and 5 assisted AI agents.
Limitations with HighRadius. No published price, and implementation is an enterprise project. Xero Online and QuickBooks Online connectors sit on product pages, not the home page. A business under $50m a year pays for a main suite built for a collections department. HighRadius also sells RadiusOne AR Suite for Sage Intacct, aimed at small to mid-market teams, quote only, with go-live under 4 weeks by its own figure.
6. Kolleno, best for cash application too
Best for: Collections and cash application in one platform.
Kolleno is an AI order-to-cash platform with collections from $650 per user a month ($545 on annual billing) and cash application on Enterprise, by quote.
What is Kolleno best for?
Choose Kolleno if you want collections and cash application in one platform, and accept per-user pricing and a longer contract.
- Fits
- Published turnover bands: BusinessPay under £1m, Business Plus £1m to £100m, Enterprise £100m to £1bn.
- Entry cost
- $650 per user a month on BusinessPay, $545 on annual billing; Business Plus $1,245 per user, $995 annual; Enterprise quoted. The default term is 24 months, renewing for 12 months, with 90 days' notice and non-refundable fees. Business Plus starts at 2 users.
- Rated
- 4.9 from 117 G2 reviews; 5.0 from 18 Xero App Store reviews.
- Runs on
- Xero, QuickBooks and Sage Intacct on BusinessPay; Clio added on Business Plus; NetSuite, Business Central, SAP and Oracle on Enterprise; custom ERPs on Enterprise Plus.
- Reminder channels
- Email, SMS and phone from one CRM view, with SMS and call allowances of 100 to 600 by plan.
- Late fees and interest
- None found.
- Does best
- Cash application (auto-reconciliation on Enterprise only, by quote; BusinessPay does not include it), with workflows, a portal, payment plans, disputes and credit scores around it. Kolleno's Maestro AI routes work to agents inside the credit policy you set, and its AI detects promises to pay in replies.
- Customers
- Named on its website: Wise, Deel and Laundryheap. Laundryheap's case study reports 94% of payments collected on time.
AI reply drafts and AI timeline summaries are included in the subscription. Fully automated agent runs are billed separately by token usage.
Limitations with Kolleno. No late fee or interest mechanic. Per-user pricing from $650 a month multiplies with the team, the 24-month term is long for a small business, and workflow automation needs Business Plus at $1,245 per user with two users minimum.
7. Quadient AR, best for ML payment prediction
Best for: ML payment prediction on NetSuite, Sage or Dynamics.
Quadient AR, formerly YayPay, is accounts receivable automation inside the Quadient suite, with payment prediction, credit decisions and agentic email triage, for NetSuite, Sage and Dynamics teams, on quote-only pricing.
What is Quadient AR best for?
Choose Quadient AR if you run NetSuite, Sage or Dynamics, want ML payment prediction and credit applications, and can accept quote-only pricing.
- Fits
- No published size gate. Quadient claims more than 2,100 finance teams, and most reviewers work at companies of 51 to 1,000 employees.
- Entry cost
- Quote only. The vendor says cost varies with business size, process complexity and the features required.
- Rated
- 4.4 from 156 G2 reviews; 4.5 from 33 on Capterra.
- Runs on
- NetSuite, SAP, Dynamics, Acumatica, Xero, QuickBooks, Sage Intacct, Sage 300.
- Reminder channels
- Print and digital communications, inbound AR email handling, self-service and scheduled payments in the portal.
- Late fees and interest
- None found.
- Does best
- Predicting payment behavior, prioritizing collections automatically and monitoring risk, with agentic AI that reads incoming AR emails, picks the next step and prepares the action for review.
From its YayPay heritage: dispute tracking, credit decisions, a rules engine and cash application, with an AI assistant for forecasts and an AI cash dashboard.
Limitations with Quadient AR. No published price. Installment plans and promise to pay are not documented, and there is no late fee function. The Xero and QuickBooks connectors exist, but the product is sized for a mid-market finance team.
8. Versapay, best for collections and payments
Best for: Mid-market B2B teams wanting collections and payments together.
Versapay is collaborative accounts receivable automation with integrated B2B payments, for mid-market companies on NetSuite, Sage Intacct or Dynamics 365 Business Central, on quote-only pricing.
What is Versapay best for?
Choose Versapay if you are a mid-market B2B company on NetSuite, Sage Intacct or Business Central and want collections, a portal and B2B payments together.
- Fits
- No published size gate. Versapay sells to manufacturing, wholesale distribution and professional services and claims more than 10,000 customers.
- Entry cost
- Quote only. Versapay publishes no price.
- Rated
- 4.1 from 101 G2 reviews; 4.4 from 30 on Capterra.
- Runs on
- Oracle NetSuite, Sage Intacct, Dynamics 365 Business Central and Dynamics 365 Finance and Supply Chain natively; other ERPs by open API or flat file. Xero and QuickBooks Online are not listed.
- Reminder channels
- Email with delivery status and tracked replies, phone calls logged against the account, a customer portal and e-invoicing.
- Late fees and interest
- None found.
- Does best
- Collaboration inside the portal: customers log disputes and short-pays themselves, promised payments are captured and monitored, and collectors work an auto-prioritized to-do list.
- Customers
- Named on its website: Laticrete, Sharp and Carter Lumber. Laticrete's case study reports cash receipts up $6 million.
Cash application matches payments to open invoices with AI and machine learning. AI also reads the tone of customer replies and surfaces risk signals and customer summaries.
Limitations with Versapay. No published price. Its pages list no Xero or QuickBooks Online connector, which rules out most businesses under $5m a year. SMS is not mentioned, and no late fee or interest function is documented.
How much does accounts receivable collections software cost?
BILL and Kolleno charge per user. Chaser charges by turnover, so the price rises as the business grows. Paidnice is priced by invoice volume: £49 (US$69) covers 150 invoices a month, and Pro runs from £74 (US$99) to $799 for 4,000 invoices with unlimited users. Gaviti prices by usage but publishes no figure.
At 300 invoices a month and two users, the lowest published plans cost $1,188 a year on Paidnice Pro, $1,176 on BILL Essentials before receiving fees, £2,388 on Chaser Compact (£199 x 12, turnover under £4m) and $15,600 on Kolleno BusinessPay (turnover under £1m), all on monthly billing.
BILL adds $0.59 per ACH receipt and 2.9% per card payment. Chaser meters SMS, letters and calls as credits. Kolleno caps SMS and calls by plan and signs a 24-month term. Paidnice charges SMS at $0.10 and posted letters at $2.00 each.
Accounts receivable collections software vs debt collection software: what is the difference?
Accounts receivable collections software works on your own invoices and customers inside your ledger, up to the point where you decide the debt is not coming in. Debt collection software runs the recovery after that point, in an agency or an in-house recovery team.
| Question | AR collections software | Debt collection software |
|---|---|---|
| Who uses it | Your finance team or bookkeeper | A collection agency, a law firm or an in-house recovery unit |
| Which debts | Current and overdue invoices you still expect to collect | Debts written off or assigned to a third party |
| What it does | Reminders, portal, promise to pay, late fees, cash matching | Case management, skip tracing, settlement offers, compliance logging |
| Where it lives | Synced to Xero, QuickBooks Online, NetSuite or Sage Intacct | Its own ledger of placed accounts |
| What it costs | A subscription, from $49 a month on this page | A subscription plus a contingency fee on recovered amounts |
Chaser passes a stuck debt to its collections partner, Debitura, through a referral. The recovery then runs at the agency. Consider Paidnice for the chasing around it, with escalation workflows.
A small business that needs the recovery side should read debt collection software for small business, and a team weighing AI agents against reminder rules should read the AI collections software comparison.
Billtrust and Esker sit alongside HighRadius for large enterprises on SAP or Oracle. Satago and Credit Hound serve UK Sage teams, and ezyCollect serves Australian businesses. None of them is reviewed here.
What do buyers ask before they shortlist?
What is the best accounting software for accounts receivable?
The accounting software holds the invoices, and the collections tool chases them. Xero and QuickBooks Online suit businesses up to $50m a year; NetSuite and Sage Intacct suit larger teams.
What is the most popular accounts receivable software?
By review count on the platforms shown, BILL leads with about 1,800 G2 reviews, then Chaser with 374 on the Xero App Store and HighRadius with 238 on G2.
Is there any free software for accounts receivable?
Paidnice sign-up is free with no card, and the first 20 actions are free with no time limit. Chaser offers a free trial (10 days on the Xero listing) or a conversation with an expert. The quote-only vendors offer a demo instead.
What software do accounts receivable teams use?
A ledger plus one collections tool. Xero or QuickBooks Online teams pair with Paidnice, BILL or Chaser; NetSuite or Sage Intacct teams with Versapay, Quadient AR, Gaviti or Kolleno; SAP or Oracle departments with HighRadius, Billtrust or Esker.
What is the KPI for accounts receivable?
Days sales outstanding (DSO) is the headline KPI: receivables divided by credit sales, multiplied by the days in the period. Collection effectiveness index, aging by bucket and the share of invoices paid on time sit under it.
Can QuickBooks be used for accounts receivable?
Yes. QuickBooks Online raises the invoices and holds the aging report. Collections software adds reminder schedules per customer group, SMS and letters, a portal, late fees and interest, and promise-to-pay tracking.
Can AI do accounts receivable?
Yes, for parts of the job. Paidnice, Gaviti, Kolleno, Quadient AR and HighRadius each use AI to draft replies, route work or rank accounts. Paidnice has a person approve the draft unless the policy is pre-approved. The AI collections software comparison separates AI features from rules.
For the six main credit control tools side by side, with prices, free trials and the main limit of each, see the credit control software comparison.
Related comparisons
Buyer's guide
Best accounts receivable software
The wider receivables category, from invoicing to collections.
Buyer's guide
Best AR automation software
Where the same job is sold as AR automation instead.
Buyer's guide
Best dunning software
The reminder sequence on its own, compared tool by tool.
Buyer's guide
Best AI collections software
Which collections features are AI, and which are rules.
Sources
8 sources, checked by Julie Turnbridge on November 3, 2026
- Xero's latest US small business data xero.com/us/resources/small-business-insights/latest-unit...
- Xero App Store apps.xero.com/uk/app/paidnice/reviews
- Capterra capterra.com/p/254868/Paidnice
- Xero App Store apps.xero.com/uk/app/chaser
- Capterra capterra.com/p/157101/CHASER
- G2 g2.com/products/chaser/reviews
- G2 g2.com/products/kolleno/reviews
- Xero App Store apps.xero.com/uk/app/kolleno
