--- type: Software Buyer's Guide title: 6 Best AI Collections Software for B2B Invoices in 2026 description: AI collections software compared for B2B invoices: Paidnice, Billtrust, Gaviti, HighRadius, Kolleno and Stuut on AI, approval, price and ledger fit. resource: https://accounting.events/reviews/best-ai-collections-software/ tags: [ai collections software, ai collections automation software, best ai collections software, ai accounts receivable software, ai collections agent, ai debt collection software b2b] timestamp: 2026-11-03 author: Harry P. Smart fact_checked_by: Julie Turnbridge fact_checked: 2026-11-03 --- > **Facts checked November 2026.** We re-checked the prices, plans and features on this page against each vendor's own pages and app store listings. Where a vendor hides a price, we show the last published one and say so. **The best AI collections software in 2026 ranks overdue invoices, drafts the outreach, captures promises to pay and hands exceptions to a person. Paidnice leads for a Xero or QuickBooks Online business of any size up to $50m a year, with AI-drafted replies and late fees from £49 (US$69) a month.** **Billtrust, Gaviti, HighRadius, Kolleno and Stuut complete the six B2B tools.** | Tool | Best for | | --- | --- | | **Paidnice** | A Xero or QuickBooks Online business up to $50m a year that wants late fees, reminders and AI replies priced by invoice volume | | **Billtrust** | A large B2B supplier that needs AI email responses, credit-line monitoring and AP-portal invoicing across a big collections team | | **Gaviti** | A mid-sized team on Xero, QuickBooks, Intacct or NetSuite (as last seen on G2 and GetApp) that wants an AI assistant and AI-written dunning with unlimited users | | **HighRadius** | An enterprise or large mid-market team on SAP, Oracle, Dynamics or NetSuite that needs AI-ranked worklists and voice agents | | **Kolleno** | A business that wants collections and cash application in one platform and accepts per-user pricing | | **Stuut** | A B2B finance team on QuickBooks or an ERP that wants AI email, SMS and voice outreach priced by invoice volume | If you sell on terms in the United States, your average invoice settles 8.6 days late, on [Xero's latest US small business data](https://www.xero.com/resources/small-business-insights/latest-united-states/). Someone on your team opens the aged receivables report and picks who to chase by instinct. > **CPA note, Harry P. Smart:** AI drafts handle routine queries well. Anything that involves a dispute or a promise to pay still needs a person before it goes out. ## What is AI collections software? **AI collections software is accounts receivable AI: software where machine learning ranks overdue invoices and AI agents write the reminders and replies and capture promises to pay, so a finance team chases the right account first.** - **Prioritization:** a score per customer, built from payment history, balance and days overdue, ranks the worklist. HighRadius publishes a 0 to 100 score from ML models; Paidnice scores each customer by rule and uses AI for the reply. - **Drafting:** a model reads an inbound email, detects a promise to pay, a dispute or a document request, and drafts the response. Paidnice and Kolleno describe this. - **Outreach:** the draft goes by email, SMS or voice. HighRadius describes a voice agent. - **Human approval:** a person approves the draft, or pre-approves a class of action, before the tool sends it. It is not the ledger. The invoice and the payment stay in the accounting system. It is not a debt collection agency or consumer debt recovery software. The six tools here chase a business's own B2B invoices; placing a debt with an agency is a separate step. It is also not a rule-based reminder schedule. A schedule fires a fixed template on a date; the AI part reads, scores or writes something new for each customer. ## How this list was put together This list helps a finance team choose collections software where AI ranks overdue invoices, drafts the outreach and captures promises to pay. | What we checked | Where the evidence came from | | --- | --- | | What the AI does: ranking, drafting and promise capture | Vendor product pages | | Availability and human approval | Vendor product and help pages, with "Not stated" where a vendor is silent | | Channels | Vendor product pages | | Late fees and interest | Vendor help pages | | Pricing unit and from-price | Vendor pricing pages, with "Quote only" where no price is printed | | Rating | The Xero App Store or G2 | ## Is this B2B invoice collections or consumer debt recovery? AI collections software covers two markets, B2B invoice collections for a finance team and consumer debt recovery for lenders and agencies, and the six tools below all sit in the first. | | B2B invoice collections | Consumer debt recovery | | --- | --- | --- | | Who buys | Finance, credit control and accounts receivable teams inside a business that sells on terms | Lenders, telcos and utilities, plus the agencies and portfolio buyers that collect for them | | What the debt is | Unpaid B2B invoices owed by a business customer, mostly not in default | Consumer accounts in default or written off, often placed with agencies or sold in bulk | | Regulation | The commercial contract and each country's late payment law | FDCPA, TCPA and Regulation F in the United States, with equivalents elsewhere | | System it connects to | SAP, NetSuite, Sage Intacct, QuickBooks Online, Xero | Loan servicing cores, dialers and agency CRMs | Consumer recovery platforms, voice-bot vendors and agency CRMs are out of scope. If you place debt with agencies or run one, read [the accounts receivable software guide for debt collection agencies](https://accounting.events/reviews/best-accounts-receivable-software-debt-collection-agencies/). If you want the same B2B tools compared without the AI lens, read [best accounts receivable collections software](https://accounting.events/reviews/best-accounts-receivable-collections-software/). ## Which AI collections software fits your revenue band? AI collections software fits by annual revenue first, because three of the six vendors publish a size range and the other three publish none, so their band comes from named customers or reviewers. - **Under $5m:** Paidnice, Kolleno (BusinessPay under £1m, Business Plus above). No published gate: Gaviti (small-business reviewers on Capterra); Billtrust and HighRadius name no customers at this size. - **$5m to $50m:** Paidnice, Kolleno. No published gate: Gaviti. - **$50m to $500m:** Kolleno; Stuut (collections built for $100m and up). No published gate: Billtrust, Gaviti, HighRadius. - **Over $500m:** Kolleno. No published gate: Billtrust, HighRadius. Paidnice covers any size up to $50m a year, or 50,000 invoices a year, and is priced by invoice volume, not revenue, so its band is a ceiling rather than a tier. ## How do these AI collections tools compare? | | [Paidnice logo](#pn) | [Billtrust logo](#billtrust) | [Gaviti logo](#gaviti) | [HighRadius logo](#highradius) | [Kolleno logo](#kolleno) | [Stuut logo](#stuut) | | --- | --- | --- | --- | --- | --- | --- | | Best for | Xero or QuickBooks Online, up to $50m, late fees and AI replies | Large B2B suppliers needing AI email and credit-line monitoring | Mid-sized teams wanting an AI assistant and unlimited users | Enterprise teams on SAP, Oracle or NetSuite needing voice agents | Collections plus cash application, with per-user pricing | B2B teams wanting AI email, SMS and voice outreach by invoice volume | | AI feature | Reads replies and drafts them; writes reminders from your prompt | Prioritizes risk; Agentic Email drafts replies; credit-line AI | AI assistant and chat; risk assessment; AI-written emails | 0 to 100 ML score; ranked worklists; call attendant; LLM letters | Maestro AI routes work to agents; promise detection; reply drafts | Drafts outreach, AI voice calls with transcripts; promise-to-pay tracking | | Availability | Stated: live for all customers on Xero and QuickBooks Online | Not stated | Not stated; included with every product | Not stated; 7 automated and 5 assisted agents counted | Not stated; most AI in the subscription, fully automated agent runs billed by token usage | Collections live | | Human approval | Reply drafts wait unless pre-approved; Active-policy reminders send | Agentic Email drafts for review; Email Responder acts on chosen requests | Not documented | Not documented; call attendant handles routine outreach | "You just approve" inside your credit policy; gates not listed | Review first or run inside your rules; auto-send can stay off | | Channels | Email, SMS, WhatsApp, letters (Pro and up), portal, in-app calling by a person; no automated calls | Email, phone (Agentic VoIP), customer portal | Email, portal | Email, transcribed calls, virtual call attendant | Email, SMS and phone in one CRM | Email, SMS, AI voice calls | | Late fees and interest | Yes (per customer group) | Not documented | None found | Not documented | None found | None found | | Ledger integrations | Xero, QuickBooks Online and newer ledgers such as Rillet and Campfire (closed testing) on every plan; on Custom: NetSuite, Sage Intacct, Sage Accounting, MYOB, Business Central and any ERP | "200+ connectors"; Xero and QuickBooks Online not listed; none named on the product page | Says it works with any ERP; no longer names ERPs on its site (third-party listings show Xero and QuickBooks) | SAP, Oracle, Dynamics, NetSuite and 50+ ERPs; QuickBooks Online and Xero Online each have a HighRadius connector page | Xero, QuickBooks, Sage Intacct on BusinessPay; NetSuite, Business Central, SAP, Oracle on Enterprise | SAP, NetSuite, Dynamics, Oracle, Sage, QuickBooks (edition not stated); Xero read-only | | From (monthly) | US$69 on Essentials; Pro from US$99 | Quote only | Quote only | Quote only | $650 per user ($545 on annual billing) | Hidden now; last seen $299 (250 invoices) | | Pricing unit | Invoice volume, not revenue; no per-seat fee | Not published | Usage, not per user | Not published; an Outcome Based Pricing option with a gain-share fee after go-live | Per user; 24-month default term | Invoice volume; last seen $749 for 1,000 and $1,900 for 5,000, current tiers hidden | | AI included? | Paidnice states live for all customers | Not published | Included with every product | Not published | Most in the subscription; fully automated agent runs billed by token usage | Included in every tier when last seen | | Rated (source) | 5.0 (Xero App Store, 84 reviews) | 4.4 (G2) | 4.4 (G2) | 4.3 (G2) | 4.9 (G2) | 4.5 (G2, 14 reviews) | "Not documented" means the vendor does not document the capability. "Not stated" in the availability row means the vendor's page carries no general availability, beta or early access label; it does not mean the feature is unavailable. "None found" means no late fee or interest feature appears in the vendor's published feature list. Prices are each vendor's published from-price, in US dollars wherever the vendor publishes one; Kolleno's pricing page prints US dollar figures and has no currency selector. Check current pricing with the vendor. ## The six tools in five checked facts - Two of the six print a monthly price: Paidnice from £49 (US$69) and Kolleno from US$650. Billtrust, Gaviti, HighRadius and Stuut do not publish one. - Each published price grows with something different: invoice volume (Paidnice) and users (Kolleno). Stuut also prices on invoice volume but publishes no figure. - One of the six applies a late fee itself: Paidnice (per customer group). - Paidnice and Kolleno connect to both Xero and QuickBooks Online. Gaviti says it works with any ERP, and third-party listings show both. HighRadius lists connector pages for both. - AI that handles collections work or customer replies: Paidnice, Billtrust, Gaviti, HighRadius, Kolleno and Stuut. We checked each tool's own pricing, integration and help pages on October 26, 2026. "None found" in the data means the vendor's pages do not show the feature. ## 1. Paidnice, best for AI-drafted debtor replies **Best for:** Xero or QuickBooks Online teams wanting AI replies. ![Paidnice homepage showing an invoice with a due date reminder, statement, late fee and payment applied by Paidnice](https://accounting.events/assets/vendors/paidnice-home.webp) _Paidnice homepage_ Paidnice is accounts receivable AI for Xero and QuickBooks, with tailored AI for your collections that reads every reply and writes reminders, for businesses of any size up to $50m a year, from £49 (US$69) (£49 (£49 (US$69))) a month on Essentials. ### What is Paidnice best for? Choose Paidnice if you run Xero or QuickBooks Online, to $50m a year, and want late fees, reminders and AI replies priced by invoice volume. - **Fits:** Xero or QuickBooks Online businesses of any size, up to $50m a year or 50,000 invoices a year. - **Regions:** Auckland, founded 2022. - **Entry cost:** £49 (US$69) a month on Essentials (150 invoices, 600 emails, 2 team members); Pro from £74 (US$99) a month with unlimited users; Custom from US$999/mo. Priced by invoice volume, not revenue. - **AI does:** Paidnice uses AI to read an inbound reply, draft the response and escalate; to write each reminder from your prompt, using the invoice, the customer's other open invoices, recent payments and any late fee coming; to spot a missing PO; to draft a payment plan from a customer's email (payment plans start on Pro); and to propose the next step on a case. - **Not AI:** The 0 to 100 credit score is a rule from the customer's own payment history; the expected payment date is the due date plus average days to pay. - **Human approval:** Reply drafts and proposed next steps wait for a person to approve them, unless you pre-approve that type of action. An AI-written reminder on an Active policy sends on schedule without approval. - **MCP server:** Pro and Custom; Claude, ChatGPT or any agent with a custom connector; one connection covers every organisation. - **Agent jobs:** Triage replies by balance, check "we already paid" claims, brief before a call, keep contacts current, client updates, morning digest in Slack, every client in one chat, month-end pack per client, this week's cash forecast, whole-ledger questions, approval queue, send reminders and statements, log calls, log promises and disputes, build policies by asking, offer payment plans, work escalations. - **Late fees and interest:** Yes, an invoice late fee and statement interest per customer group. - **Calls:** In-app calling from the browser or your phone; a person calls, and it is recorded, transcribed and logged. - **Rated:** 5.0 from 84 [Xero App Store](https://apps.xero.com/uk/app/paidnice/) reviews; 4.9 from 14 reviews on [Capterra](https://www.capterra.com/p/254868/Paidnice/). - **Runs on:** Xero and QuickBooks Online on every plan. Newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo are available on every plan through Paidnice's closed testing program. Sage Accounting, NetSuite, Sage Intacct, MYOB, Dynamics 365 Business Central and other ERPs connect on the Custom plan. **Limitations with Paidnice.** Paidnice makes no automated calls: a person calls the customer in-app, and the call is recorded and transcribed. There is no ML-ranked worklist, and the MCP server starts on Pro. **Video:** [6 Best AI Collections Software for B2B Invoices in 2026](https://www.youtube.com/watch?v=i7wFzVXyRKY) ## 2. Billtrust, best for AI email responses **Best for:** Large B2B suppliers wanting AI email responses. Billtrust is an enterprise order-to-cash suite with AI email responses, AI call support and AI credit monitoring for large B2B suppliers, priced by quote. It names Saint-Gobain, Staples, United Rentals and FedEx as customers. ### What is Billtrust best for? Choose Billtrust if you are a large B2B supplier that needs AI email responses, credit-line monitoring and AP-portal invoicing across a big collections team. - **Fits:** Enterprise and large mid-market suppliers. Saint-Gobain, Staples, United Rentals and FedEx are named customers. No published size gate. - **Regions:** United States. - **Entry cost:** Quote only. - **AI does:** Prioritizes high-risk accounts. Email Responder handles certain requests autonomously. Agentic Email reads, categorizes and summarizes emails and drafts a response for the collector's review. "Agentic VoIP" takes on the administrative work around calls. Agentic Credit Lines recommend credit adjustments with a stated rationale. - **Not AI:** Not documented. - **Availability:** Not stated on the product page. - **Human approval:** Agentic Email drafts for review. Email Responder acts on its own for the requests the customer chooses. - **Late fees and interest:** Not documented. - **Rated:** 4.4 on G2; 4.7 on Capterra. - **Runs on:** "200+ connectors" on the home page; the product page names none. Xero and QuickBooks Online are not listed. - **Customers:** Named on its website: Staples, Cintas and PEAK Industrial. PEAK Industrial's case study reports bad debt cut by 60% a year. Billtrust runs collections as cases, with dispute and case management. ![Billtrust homepage headline, the cash generation platform, above a diagram of payment and AI connections](https://accounting.events/assets/vendors/billtrust-home.webp) **Limitations with Billtrust.** Quote only, and the AI pages state no availability. A business on Xero or QuickBooks Online is not the target buyer. ## 3. Gaviti, best for an AI assistant **Best for:** Mid-sized teams wanting an AI assistant. Gaviti is an AI invoice-to-cash platform with an AI assistant, AI-written collection emails and AI remittance capture for mid-sized teams, priced by usage on quote. Users and workflows are unlimited. ### What is Gaviti best for? Choose Gaviti if you are a mid-sized team on Xero, QuickBooks, Intacct or NetSuite (as last seen on G2 and GetApp) that wants an AI assistant and AI-written dunning with unlimited users. - **Fits:** "Medium to large enterprises and shared service environments" on its own page; 47% of its Capterra reviewers are small businesses. No published size gate. - **Regions:** Israel, founded 2016. - **Entry cost:** Quote only. Priced by usage, not per user, with unlimited users and workflows. No trial; a demo and an ROI calculator instead. - **AI does:** An AI Assistant for receivables management and an agentic A/R chat for the team; ongoing customer risk assessment generated from AI and credit reports; AI-generated collection emails and workflows; AI remittance capture. - **Not AI:** Not documented. - **Availability:** Not stated. The AI assistant and agentic chat are included with every product. - **Human approval:** Not documented. - **Late fees and interest:** None found. - **Rated:** 4.4 on G2; 4.5 on Capterra. - **Runs on:** Gaviti says it works with any ERP or business system and no longer names ERPs on its site. G2 lists Microsoft Dynamics 365; third-party listings show Xero and QuickBooks. - **Customers:** Named on its website: EY, TravelPerk and Monday.com. Gaviti covers reminders, escalations, task prioritization, disputes with routing, a customer portal with zero-fee ACH, and cash application the vendor says is 90% completed automatically. ![Gaviti homepage headline, AI powered invoice to cash, beside payment forecasting, disputes and customer risk charts](https://accounting.events/assets/vendors/gaviti-home.webp) **Limitations with Gaviti.** No published price and no trial. No late fee or interest found. SMS and calling are not documented. ## 4. HighRadius, best for AI voice agents **Best for:** Enterprise teams needing AI-ranked worklists and voice agents. HighRadius is an AI finance-automation suite whose collections module scores every customer 0 to 100 with ML and runs an AI agent it calls a "virtual call attendant", for enterprise and large mid-market teams, priced by quote. Its collections page counts 7 automated and 5 assisted AI agents. ### What is HighRadius best for? Choose HighRadius if you are an enterprise or large mid-market team on SAP, Oracle, Dynamics or NetSuite that needs AI-ranked worklists and voice agents. - **Fits:** "Large Enterprises" and "Mid-Sized Organizations" on its own pages. No published floor. - **Regions:** Houston, Texas. - **Entry cost:** Quote only. An Outcome Based Pricing option carries $0 implementation and $0 fees until go-live, then a gain-share fee. - **AI does:** Assigns a 0 to 100 collections score using ML models; stack-ranks customers automatically; forecasts end-of-month delinquency by predicting a payment date for every open invoice; an AI agent it calls a "virtual call attendant" handles routine outreach; context-aware dunning letters written by LLMs. - **Not AI:** Timed sending of reminders and the dunning schedule. - **Availability:** Not stated. The collections product page counts 7 automated and 5 assisted AI agents. - **Human approval:** The page says collectors handle exceptions and approvals; which sends need approval is not documented. The virtual call attendant handles routine outreach, and call notes carry real-time transcription. - **Late fees and interest:** Not documented. - **Rated:** 4.3 on G2; 4.4 on Capterra. - **Runs on:** SAP, Oracle, Microsoft Dynamics, NetSuite and "50+ ERPs". HighRadius has a connector page for QuickBooks Online and one for Xero Online, where it lists pre-built connectors. - **Customers:** Named on its website: Nestle, Danone and Ferrero. Ferrero's case study reports a 67% drop in average days delinquent. ![HighRadius homepage headline, AI-powered value creation for the office of the CFO, above a wall of enterprise customer logos](https://accounting.events/assets/vendors/highradius-home.webp) **Limitations with HighRadius.** Quote only, with an enterprise implementation. Xero Online has a pre-built connector. The agent count differs between pages, so ask for the list that applies to the collections module. ## 5. Kolleno, best for cash application too **Best for:** Collections and cash application in one platform. Kolleno is an AI order-to-cash platform where Maestro AI routes collections work to agents inside your credit policy, for turnover under £1m and under 100 invoices, from $650 per user a month. ### 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, Enterprise Plus above that. - **Regions:** London, founded 2020. - **Entry cost:** $650 per user/mo on BusinessPay ($545 on annual billing); Business Plus $1,245 per user ($995 annual); Enterprise quoted. Per user only. The default term is 24 months with 90 days' renewal notice. - **AI does:** "Maestro AI" "routes the right work to the right agents across your entire order-to-cash cycle". AI-detected promises to pay (November 2025); AI email reply drafts and AI timeline summaries (December 2025). - **Not AI:** Preset reminder triggers and the SMS and call allowances. - **Availability:** Not stated. Most AI features are in the subscription; fully automated agent runs are billed separately by token usage. - **Human approval:** "Define your credit policy once. Your agents execute within it, you just approve." The page does not say which actions run without approval. - **Late fees and interest:** None found. - **Rated:** 4.9 on [G2](https://www.g2.com/products/kolleno/reviews); 5.0 from 18 [Xero App Store](https://apps.xero.com/uk/app/kolleno) reviews. - **Runs on:** Xero, QuickBooks and Sage Intacct on BusinessPay; Clio added on Business Plus; NetSuite, Dynamics 365 Business Central, SAP and Oracle on Enterprise; custom ERP on Enterprise Plus. - **Customers:** Named on its website: Wise, Deel and Laundryheap. Laundryheap's case study reports 94% of payments collected on time. Kolleno's strength is cash application, matching incoming payments to invoices, beside collections, with email, SMS and phone in one CRM and SMS and call allowances set by plan. Auto-reconciliation starts on Enterprise, not Business Plus. ![Kolleno pricing page on annual billing, showing Business Pay at $545 and Business Plus at $995 per user a month, with the monthly prices of $650 and $1,245 struck through, beside two custom Enterprise tiers](https://accounting.events/assets/vendors/kolleno-pricing.webp) **Limitations with Kolleno.** Per-user pricing from $650 a month and a 24-month default term. No late fee or interest found. Which agent actions are autonomous is not stated. ## 6. Stuut, best for every-channel AI chasing **Best for:** B2B finance teams that want an AI agent to chase by email, SMS and AI voice calls. Stuut is an AI accounts receivable agent that chases by email, SMS and AI voice calls and tracks promises to pay. Its last seen price was $299 a month for 250 invoices; current prices are hidden and must be requested. ### What is Stuut best for? Choose Stuut if you want an AI agent to run outreach across email, SMS and phone inside rules you set, and you price by invoice volume rather than by user. - **Fits:** Its collections product is built for B2B companies with $100m or more in annual revenue; the self-serve Starter plan, when last seen, was for finance teams of one. - **Entry cost:** Last seen on Stuut's old self-serve page: [$299/mo on Starter for up to 250 invoices](https://www.stuut.ai/self-serve); Growth $749 for 1,000; Scale $1,900 for 5,000; Enterprise quoted above 5,000 invoices a month or for multiple entities. - **AI does:** Drafts emails, queues calls with talk tracks, composes texts and generates portal links; AI voice calls with transcripts and sentiment; tracks promises to pay and pauses outreach when one is acknowledged. - **Not AI:** Custom dunning and escalation rules (on Growth and up when last seen). - **Availability:** Collections is live. - **Human approval:** Review outreach first, or let Stuut run inside your rules, set per channel and customer segment. Auto-send can stay off so everything waits as a draft. - **Late fees and interest:** None found. - **Rated:** 4.5 on G2 from 14 reviews; the three newest visible reviews were invited by Stuut. No Capterra rating found. - **Runs on:** SAP, NetSuite, Dynamics, Oracle, Sage, QuickBooks (edition not stated) and PeopleSoft. Xero connects read-only: Stuut reads customers and invoices and does not post payments back. - **Customers:** Named on its website: Honeywell, Verifone, ZoomInfo and NCR Voyix. Stuut covers collections, cash application, payments and disputes, with dispute and promise-to-pay tracking and a shared inbox (from Growth when last seen), and ERP write-back with reconciliation (on Scale when last seen). Xero is read-only. ![Stuut self-serve page headline, get up and running with Stuut today, beside a see Stuut in action demo form](https://accounting.events/assets/vendors/stuut-home.webp) **Limitations with Stuut.** Xero is read-only, no late fee or interest feature found, no published prices now, and a G2 score from only 14 reviews. ## What counts as AI and what is a rule-based reminder? A rule-based reminder sends a fixed template on a date you set, and AI collections software reads, scores or writes something new for each customer. Several features sold under the AI label are rules. | Feature | AI or rule | Which tools | | --- | --- | --- | | **Reminder schedule on due date, issue date or days overdue** | Rule | Paidnice, Kolleno (preset triggers); HighRadius adds timed sending | | **Reading an inbound reply and detecting a promise to pay, a dispute or a document request** | AI | Paidnice, Kolleno | | **Drafting the reply** | AI | Paidnice, Billtrust, Kolleno | | **Writing each reminder or dunning letter per customer** | AI | Paidnice (from your prompt), Gaviti (AI-generated emails), HighRadius (LLM dunning letters) | | **0 to 100 score from ML models** | AI | HighRadius | | **0 to 100 score from the customer's own payment history** | Rule | Paidnice | | **Expected payment date, the due date plus average days to pay** | Rule | Paidnice | | **Payment-date forecast per open invoice** | AI | HighRadius | | **Voice agent that handles outreach** | AI | HighRadius (virtual call attendant); Stuut (AI voice calls) | | **AI help around calls** | AI | Billtrust (Agentic VoIP takes on administrative work) | | **Call transcription** | AI | HighRadius; Stuut (transcripts with sentiment) | | **Chat assistant over your receivables** | AI | Gaviti | | **Routing work to agents inside a credit policy** | AI | Kolleno | Tools that only need the schedule are compared on [best dunning software](https://accounting.events/reviews/best-dunning-software/). ## What should AI collections software do before a human steps in? AI collections software should gather the signals, score the account, draft the message and stop for approval, then send and log it, so a person reviews one draft instead of writing it. | Capability | What it means | What to ask the vendor | | --- | --- | --- | | **AI prioritization and predictive risk scoring** | A score per customer ranks who to chase first; working that list is what lowers DSO (days sales outstanding) | Is the score from a model or a formula, and what data feeds it? | | **Channels: email, SMS, voice** | The channels the AI writes for, and whether the call is a voice agent | Is the phone call a voice agent or one-way text-to-speech? | | **ERP and accounting sync** | The draft reads the live balance from the ledger | Does the draft see Xero, QuickBooks Online or NetSuite in real time? | | **Human approval and audit trail** | Who signs off, and where each send is recorded | Can I pre-approve one class of action and gate the rest, and is every send logged? | | **Payment portal** | The customer can act on the message | Can the customer pay, dispute or set up a plan from the link? | | **Security and data** | Where the data sits and who can see each AI draft | Is there a SOC 2 report, and which role permissions limit who sees each draft? | | **Accountability** | Who answers for what the AI sent | Can I see the prompt, the draft and the sender for every message? | ## Which accounting systems do these AI collections tools read? NetSuite, Sage Intacct and Business Central sit on Paidnice's Custom plan, on Kolleno's BusinessPay and Enterprise tiers, and Gaviti says it works with any ERP; SAP and Oracle are HighRadius's home ground. A draft that cannot read the live balance, the other open invoices and the last payment is a fixed template. The wider category, without the AI filter, is compared on [best AR automation software](https://accounting.events/reviews/best-ar-automation-software/). ## What does AI collections software cost? The six AI collections tools cost from £49 (US$69) a month for Paidnice to $650 per user a month for Kolleno, with Stuut last seen from $299 a month (current prices hidden) and Billtrust, Gaviti and HighRadius priced by quote. The three quote-only vendors sell an implementation, and the enterprise credit control side of that market is compared on [best credit control software](https://accounting.events/reviews/best-credit-control-software/). ## Which AI collections software fits your use case? Start from the job you need done. | Use case | Start with | Why, and what to watch | | --- | --- | --- | | **A Xero or QuickBooks Online business up to $50m that wants AI replies and late fees** | Paidnice | AI reads replies and writes reminders, with late fees per customer group, from £49 (US$69) a month; in-app calling, no automated calls | | **An enterprise team on SAP or Oracle that wants an ML score and a voice agent** | HighRadius | 0 to 100 ML score and a virtual call attendant; quote only; Xero and QuickBooks Online connectors listed | | **A large B2B supplier that needs AP-portal invoicing and credit-line monitoring** | Billtrust | Agentic Email and Agentic Credit Lines; quote only, availability not stated | | **A mid-sized team that wants unlimited users and an AI chat assistant** | Gaviti | Usage pricing with unlimited users; no published price, no late fees found | | **Collections and cash application in one platform** | Kolleno | Maestro AI and cash application; $650 per user a month on a 24-month default term | | **An AI agent that chases by email, SMS and phone** | Stuut | AI voice calls with transcripts, last seen from $299 a month for 250 invoices; Xero read-only, no late fees found | ## What do buyers ask about AI and collections? ### Can AI take over collections? Not entirely: AI collections software takes over the reading, scoring and drafting, and each vendor sets how much sending runs without a person. Paidnice holds reply drafts for approval unless you pre-approve them, and an Active policy sends AI-written reminders on schedule without per-message approval. Billtrust's Agentic Email drafts for the collector's review, and Kolleno's agents execute inside a policy you approve. ### Can AI do collections? Yes, for the parts that repeat: ranking the worklist, detecting a promise to pay in a reply, drafting the response and writing a reminder from live balances. HighRadius says its agentic AI escalates cases and collectors handle approvals; in Paidnice a person takes the escalated case and chooses the next step. ### How can AI be used in collections? AI is used in collections to score accounts, forecast payment dates, read inbound replies, draft responses and reminders, write dunning letters per customer, transcribe calls and, in HighRadius, run a virtual call attendant. ### Which debt collection software suits a small business chasing its own invoices? A small business chasing its own invoices on Xero or QuickBooks Online buys accounts receivable software with reminders, late fees and a portal rather than agency software; Paidnice and Kolleno publish plans for businesses under $5m. The full comparison is on [best debt collection software for small business](https://accounting.events/reviews/best-debt-collection-software-small-business/). ### Is there free AI collections software? None of the six AI collections tools is free to run, but Paidnice gives a free way in, and HighRadius offers a four-week pilot with $0 upfront fees. Paidnice includes 20 free actions at sign-up with no time limit and no card. ### How much does AI collections software cost? Paidnice starts at £49 (US$69) a month on Essentials, Stuut last seen at $299 a month (current prices hidden) and Kolleno at $650 per user a month. Billtrust, Gaviti and HighRadius are priced by quote. ### What AI collections software works with Xero and QuickBooks Online? Paidnice and Kolleno read Xero and QuickBooks Online. Gaviti says it works with any ERP, and third-party listings show both. Stuut names QuickBooks, with no edition stated, and reads Xero without posting payments back. HighRadius lists connector pages for both, and Billtrust lists neither. ### What AI collections tools add late fees? Paidnice is the only tool here that documents late fees. It posts an invoice late fee and statement interest per customer group to the ledger. ## Related comparisons - [Best accounts receivable collections software](https://accounting.events/reviews/best-accounts-receivable-collections-software/): the same B2B tools and more, compared without the AI lens. - [Best dunning software](https://accounting.events/reviews/best-dunning-software/): for a team that needs the schedule and not the agent. - [Best AR automation software](https://accounting.events/reviews/best-ar-automation-software/): where the same job is sold as accounts receivable automation. - [Best credit control software](https://accounting.events/reviews/best-credit-control-software/): late fees, credit data and chasing, compared for Xero and QuickBooks teams. ## Sources Sources checked by Julie Turnbridge on November 3, 2026: 1. [Xero's latest US small business data](https://www.xero.com/resources/small-business-insights/latest-united-states/) (xero.com/resources/small-business-insights/latest-united-...) 2. [Xero App Store](https://apps.xero.com/uk/app/paidnice/) (apps.xero.com/uk/app/paidnice) 3. [Capterra](https://www.capterra.com/p/254868/Paidnice/) (capterra.com/p/254868/Paidnice) 4. [G2](https://www.g2.com/products/kolleno/reviews) (g2.com/products/kolleno/reviews) 5. [Xero App Store](https://apps.xero.com/uk/app/kolleno) (apps.xero.com/uk/app/kolleno)