Best AI Accounts Receivable Software: 9 AR Tools Compared

The best AI accounts receivable software for most B2B companies in 2026 is Upflow. It has a free plan to see your receivables, and its paid plans scale with invoiced revenue instead of seats.

BILL is the best pick if you want AR and AP in one app. Chaser is the best tool for automated payment reminders. Kolleno suits mid-size teams that want collections and payments together.

Larger teams should compare Paystand, Growfin, Tesorio and Versapay. Enterprises should look at HighRadius. Prices were checked on October 31, 2026.

What Is AI Accounts Receivable Software?

AI accounts receivable software is a tool that helps a business collect money its customers owe. It sends reminders, tracks overdue invoices, matches payments and flags risky accounts.

This guide is about B2B collections, not sending your first invoice. If you are a freelancer who needs to bill clients, see our list of the best AI invoicing software instead.

Here is what the AI part usually does:

• Collections. It ranks overdue accounts and suggests who to chase first.
• Payment reminders. It sends a series of emails or messages before and after the due date.
• Cash application. It matches incoming payments to the right open invoices.
• Credit risk. It helps you decide how much credit to give each customer.
• Forecasting. It predicts when customers are likely to pay.

AR automation software is one part of a modern finance stack. For the wider set, see our hub of AI finance tools.

Quick Comparison: 9 Best AI Accounts Receivable Software

Upflow is our top pick overall, followed by BILL and Chaser. Here is how all 9 compare on best use, starting price and integrations. Prices were checked in October 2026 and often scale with users or volume, so confirm before you sign up.

What Makes Great AR Automation Software?

Great AR automation software gets you paid sooner with less manual chasing. If your team still copies aging reports into spreadsheets and writes reminder emails by hand, the tool is not doing its job.

We weighed seven things:

• Reminder workflows. How easy it is to build a reminder schedule that fits each customer.
• Collections focus. Whether it tells you which accounts need a call today.
• Cash application. How well it matches payments to invoices, including partial payments.
• Credit tools. Whether it helps you set and review customer credit limits.
• Payment options. A portal where customers can pay by card or bank transfer.
• Accounting sync. A clean link to QuickBooks, Xero, NetSuite or your ERP.
• Price clarity. Whether prices are published, and what they depend on.

Tools ranked higher when they publish clear prices. They ranked lower when every number sits behind a sales call. AR has to fit your ledger, so also check our list of the best AI accounting software.

Best AR Software for Small B2B Teams

These three tools publish a free plan or a price and suit small finance teams that want to start fast.

1. Upflow: Best for B2B teams that want a free AR view before paying

Upflow is an accounts receivable platform built for B2B companies that bill other businesses.

What it does well. Upflow pulls your open invoices from your accounting or billing system. It then helps you run collections from one place, with reminders and a shared view of who owes what.

Its pricing is unusual in a good way. Plans scale with invoiced revenue, and Upflow says user seats are unlimited. That means you can bring in sales and account managers without paying per person.

Key features:

• Free Discover plan for AR visibility
• Plans priced by invoiced revenue
• Unlimited user seats
• Sync with accounting and billing tools such as Stripe Billing, Chargebee and Zuora
• Works with QuickBooks Online, Xero, NetSuite and Sage Intacct

Pricing. The Discover plan is free. Starter, Grow, Scale, Accelerate and Enterprise are all priced by quote. Plans are prepaid and usage fees are billed after. Checked in October 2026.

Best for: B2B companies that want to see their receivables for free, then add collections tools later.

Limitations. Every paid plan needs a quote, so you can't compare costs up front. The free plan is for visibility, not full collections.

Visit Upflow →

2. BILL: Best for small businesses that want AR and AP in one place

BILL is a well known US finance platform that handles both paying bills and getting paid.

What it does well. BILL's pricing page shows that all four AP and AR plans include invoicing and automated payment reminders. So you can send invoices, chase late payers and pay vendors in the same app.

Many accounting firms already run client books in BILL. That helps if an outside bookkeeper manages your receivables.

Key features:

• Invoicing on every plan
• Automated payment reminders
• Bill pay in the same account
• Two-way sync with QuickBooks and Xero on Team and above
• NetSuite, Sage Intacct, Microsoft Dynamics and Acumatica on Enterprise

Pricing. Essentials is about $49 per user a month. Team is about $65 and Corporate about $89 per user a month. Enterprise is by custom quote. Checked in October 2026.

Best for: Small and mid-size businesses that want one tool for money in and money out.

Limitations. Essentials only syncs with your books by manual CSV import and export. ERP links like NetSuite and Sage Intacct need the Enterprise plan.

Visit BILL →

3. Chaser: Best for automated payment reminders for small finance teams

Chaser is a credit control tool that automates the work of chasing late invoices.

What it does well. Chaser connects to your accounting system and sends payment reminders on a schedule you set. It is a good fit when chasing is the main job, and you don't need a full order-to-cash suite.

Chaser also sells "Care" plans that add a service layer on top of the software. That suits a small team without a full-time credit controller.

Key features:

• Automated payment reminder schedules
• Credit control workflows
• Optional Care plans with added service
• Monthly or yearly billing, with 10% off yearly
• Integrations with Xero, QuickBooks Online, NetSuite, Sage Intacct and Business Central

Pricing. Compact is about $259 a month and Core about $779 a month, billed monthly. Complete is about $1,169 a month. Care plans start at about $1,199 a month. Yearly billing saves 10%. Checked in October 2026.

Best for: Small and mid-size firms that mainly need reminders sent on time.

Limitations. The entry price is high for a very small business. Cash application and credit scoring are not its main focus.

Visit Chaser →

Best AR Software for Mid-Market Teams

These tools suit growing companies with more customers, more invoices and more payment types to manage.

4. Kolleno: Best for mid-size teams that want collections and payments together

Kolleno is an AR and collections platform that also handles customer payments.

What it does well. Kolleno brings collections work and payment collection into one tool. Its Business Pay plan works with Xero, QuickBooks and Sage Intacct. Business Plus adds Clio, which helps law firms.

Larger plans connect to bigger ERPs. Kolleno lists NetSuite, Business Central, SAP and Oracle Fusion on Enterprise.

Key features:

• Collections and payments in one platform
• Xero, QuickBooks and Sage Intacct on Business Pay
• Clio on Business Plus
• NetSuite, Business Central, SAP and Oracle Fusion on Enterprise
• Custom ERP links on Enterprise Plus

Pricing. Business Pay is about $650 a month billed monthly, or about $545 a month on annual terms. Business Plus is about $1,245 a month monthly, or about $995 annually. Enterprise plans are by quote. Checked in October 2026.

Best for: Mid-size firms on Xero, QuickBooks or Sage Intacct that want more than reminders.

Limitations. The entry price is steep for small teams. NetSuite users need an Enterprise quote.

Visit Kolleno →

5. Paystand: Best for cutting B2B payment fees with bank-to-bank payments

Paystand is a B2B payments platform that runs its own bank-to-bank payment network.

What it does well. Paystand's big idea is fees. Its pricing page says payments on its B2B Network carry zero transaction fees. Cards, ACH and digital checks run at pre-negotiated rates.

It also uses a flat subscription model rather than charging per transaction. That can make costs easier to predict when your payment volume grows.

Key features:

• Bank-to-bank B2B payment network
• Card, ACH, eCheck and EFT acceptance
• Convenience fees and incentive options
• Subscription pricing, not per transaction
• Receivables links to NetSuite, Sage, Microsoft Dynamics 365, Acumatica and Xero

Pricing. Paystand's pricing page shows no plan prices and offers a custom ROI review. Treat it as Quote only. Checked in October 2026.

Best for: B2B sellers with high payment volume who want lower card and ACH costs.

Limitations. Your customers need to pay through Paystand to get the fee savings. There is no public price list.

Visit Paystand →

6. Growfin: Best for NetSuite teams that want AI collections and cash application

Growfin is an AR automation platform with deep ties to NetSuite.

What it does well. Growfin offers a "Built for NetSuite" SuiteApp. Its Collections CRM automates follow-ups and helps you rank accounts. Its AI cash application matches and posts payments for you.

It also gives account managers a view of AR inside Slack and Salesforce. That helps sales and finance chase the same customer together.

Key features:

• Collections CRM with automated follow-ups
• AI cash application
• Cash position tracking and cash flow forecasts
• Slack and Salesforce views for account managers
• Works with NetSuite and Zoho Books

Pricing. Growfin does not publish prices and only offers a demo. Treat it as Quote only. Checked in October 2026.

Best for: Mid-market NetSuite companies that want collections and cash application in one tool.

Limitations. Its site names few ERPs beyond NetSuite and Zoho Books. Credit management is not described on its home page.

Visit Growfin →

Best AR Software for Large and Enterprise Teams

These platforms suit companies with large invoice volumes, many entities or a full order-to-cash process.

7. Tesorio: Best for AI agents for collections and cash application

Tesorio is an AR platform built around AI agents that handle routine collections work.

What it does well. Tesorio's Collections Agent drafts follow-up emails, reads replies and hands tricky cases to a person. Its Cash Application Agent matches payments to invoices and flags partial payments.

It also has an AR forecast and a Supplier Portals Agent. That agent submits invoices into your customers' portals, such as Coupa and Ariba, and tracks their status.

Key features:

• Collections Agent for follow-up emails
• Automated dunning schedules
• Cash Application Agent
• AR forecast and a customer payment portal
• Works with NetSuite, Sage Intacct, QuickBooks and Workday

Pricing. Tesorio does not publish prices and offers an ROI calculator and a demo. Treat it as Quote only. Checked in October 2026.

Best for: Mid-market and larger B2B firms that want AI to take on daily collections tasks.

Limitations. There is no public price. A dedicated credit module is not described on its home page.

Visit Tesorio →

8. Versapay: Best for collaborative AR with a customer payment portal

Versapay is an AR automation and payments company built around working with your customers.

What it does well. Versapay gives your customers a portal to view invoices and pay. Your team and theirs can sort out disputes in the same place, which cuts long email chains.

It has native links to NetSuite, Sage Intacct and two Microsoft Dynamics 365 products. Other ERPs connect by file or API.

Key features:

• Customer portal for invoices and payments
• Shared space to resolve disputes
• Payment acceptance
• File and API links for other ERPs
• Native NetSuite, Sage Intacct and Microsoft Dynamics 365 integrations

Pricing. Versapay does not publish prices and sells through its sales team. Treat it as Quote only. Checked in October 2026.

Best for: Mid-market and larger firms whose customers often question or dispute invoices.

Limitations. It works best when your customers use the portal. There is no public price list.

Visit Versapay →

9. HighRadius: Best for large enterprises that want full order-to-cash

HighRadius is a finance automation company that serves large enterprises.

What it does well. HighRadius covers the whole order-to-cash cycle. Its modules include credit management, collections management, cash application management and deductions management.

It also offers an e-invoicing portal. Its site lists pre-built integrations with SAP, Oracle, Microsoft Dynamics and NetSuite.

Key features:

• Credit management (Credit Cloud)
• Collections management
• Cash application management
• Deductions management
• Integrations with SAP, Oracle, Microsoft Dynamics and NetSuite

Pricing. HighRadius describes outcome-based pricing, where fees depend on agreed results after go-live. It lists no dollar figures, so treat it as Quote only. Checked in October 2026.

Best for: Large enterprises that need credit, collections, cash application and deductions in one suite.

Limitations. It is far more than a small business needs. Rollout is a real project with your ERP team.

Visit HighRadius →

What Does AR Software Cost at 1, 3 and 10 Users?

The table below uses only published plan prices, billed monthly. It leaves out payment fees, taxes and add-ons, which can change your real bill.

Tool and plan	1 user	3 users	10 users
Upflow Discover	$0	$0	$0
BILL Essentials	about $49/mo	about $147/mo	about $490/mo
BILL Team	about $65/mo	about $195/mo	about $650/mo
Chaser Compact (flat monthly price)	about $259/mo	about $259/mo	about $259/mo
Kolleno Business Pay (listed per user)	about $650/mo	Quote advised	Quote advised
Upflow paid plans, Paystand, Growfin, Tesorio, Versapay, HighRadius	Quote only	Quote only	Quote only

Chaser's page shows plan prices without a per-user charge, so we treated them as flat. Kolleno's page lists Business Pay per user, so ask for a quote before you add seats.

How Should You Choose AI Accounts Receivable Software?

Start with your accounting system and your biggest AR pain, then match the tool to both:

• You want to see your AR for free: Upflow Discover.
• You also pay vendors: BILL.
• Your main job is sending reminders: Chaser.
• You want collections and payments together: Kolleno.
• Card and ACH fees are hurting margins: Paystand.
• You run on NetSuite: Growfin, Tesorio or Versapay.
• You need credit and deductions at scale: HighRadius.

AR also drives your cash outlook. Our guide to the best AI cash flow forecasting software covers tools that turn expected payments into a forecast.

If you also want to automate the bills you pay, see the best AI accounts payable software.

How We Evaluated This AR Automation Software

We built this list from each vendor's official website, pricing page and integrations page, all checked on October 31, 2026. Tools were ranked on reminders, collections, cash application, credit tools, payment options, accounting sync and price clarity.

This list is not based on live company data. Ask each vendor for a demo using your own aging report. Confirm prices, payment fees and contract terms before you sign.

What Is Cash Application in Accounts Receivable?

Cash application is the step where a payment is matched to the invoices it pays. It closes those invoices in your books so your AR stays accurate.

It sounds simple, but it often isn't. A customer may pay three invoices with one transfer. They may short-pay one because of a dispute. The remittance note may arrive in a separate email.

AI cash application tools read the payment data and any remittance details. They then suggest the best match. Clean matches post on their own, and odd ones go to a person.

Tesorio and Growfin both describe AI cash application on their sites. HighRadius sells it as its own module.

How Does AI Help With Collections?

AI helps collections by deciding who to chase, when and how. It turns a long aging report into a short daily to-do list.

Here is what that looks like in practice:

• Prioritizing. Accounts are ranked by amount, age and payment history.
• Drafting. Reminder emails are written for you to review or send.
• Reading replies. Some tools read customer replies and spot promises to pay or disputes.
• Escalating. Hard cases go to a person instead of getting another automatic email.

The human still matters. A call from someone the customer knows often works better than a tenth reminder. Good tools give your team more time for those calls.

Is AR Automation Worth It for Small Businesses?

Yes, once you have enough B2B customers that chasing takes real time each week. Upflow's free plan and BILL's per-user pricing make it easy to start small.

The main gains are simple:

• Fewer forgotten invoices. Reminders go out on schedule.
• Less admin. Payments are matched instead of keyed in.
• Clearer cash view. You can see who owes what at a glance.
• Better credit calls. Payment history guides how much credit you give.

If you only have a handful of customers who pay on time, your accounting software's built-in reminders may be enough.

The Bottom Line

Upflow is the best AI accounts receivable software for most B2B companies, thanks to its free plan and seat-free pricing. BILL is best for AR and AP together, and Chaser is best for payment reminders.

Kolleno and Paystand suit growing teams. Growfin, Tesorio and Versapay fit NetSuite shops. HighRadius covers large enterprises.

Next steps: Pull your current aging report, list your top three AR problems and demo two tools against them. For more ways to run your finances, see our full hub of AI finance tools.

Frequently Asked Questions

What is the best AI accounts receivable software?

For most B2B companies, Upflow is the best pick. It has a free Discover plan, and its paid plans scale with invoiced revenue instead of user seats.

Is there free AR automation software?

Yes. Upflow's Discover plan is free and gives you visibility into your receivables. Its paid collections plans are priced by quote. Checked in October 2026.

How much does Chaser cost?

Chaser lists Compact at about $259 a month, Core at about $779 and Complete at about $1,169, billed monthly. Yearly billing saves 10%. Checked in October 2026.

Is AR software the same as invoicing software?

No. Invoicing software helps you create and send bills. AR software focuses on what happens next: reminders, collections, cash application and credit risk.

What is collections software?

Collections software helps you chase overdue invoices. It ranks accounts, sends reminders and tracks promises to pay, so your team knows who to contact each day.

Which AR tools publish their prices?

BILL, Chaser and Kolleno publish plan prices, and Upflow publishes its free plan. Paystand, Growfin, Tesorio, Versapay and HighRadius sell by quote.

More in AI for Finance

• Best AI Cash Flow Forecasting Software: 8 Tools Compared
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• Best AI Accounting Software: 8 Options Compared for Small Business
• Best AI Bookkeeping Software: 9 Tools Compared
• Best AI Tools for Accountants: 8 Tools for Firms Compared
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