The accounts receivable (AR) collections process is what turns outstanding invoices into money your business has already earned. Yet as important as that process is, the work isn't over until those payments come in.
So how does your team stay on top of every outstanding invoice when there are already so many other parts of the business competing for their attention? Accounts receivable collections software can help make that process easier to manage.
In this guide, we'll walk you through the seven best accounts receivable collections software platforms and the types of businesses they serve to help you narrow down the right option for your needs.
These are the seven best accounts receivable collections software platforms for 2026 based on the types of businesses they serve:
Depending on the account, AR collection might mean sending a payment reminder after the due date or calling a customer who has not responded. It can also mean keeping track of a payment promise and knowing when another follow-up is needed.
The more outstanding invoices you have, the more of these individual accounts receivable collection activities your team has to keep track of.
Accounts receivable collections software helps organize and automate parts of that work. It can help your team schedule reminders, track previous communication, manage collection tasks, and see which accounts still need attention.
The important part is where the accounts receivable software fits in your process, because collections software and accounts receivable automation software are closely related but do not always solve the same problem.
Accounts receivable collections are one part of the larger accounts receivable process.
Collections software focuses mainly on helping businesses collect money that customers still owe. AR automation software, on the other hand, has a wider scope and can support other parts of AR, including invoicing, payment processing, cash application, and reporting.
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Accounts Receivable Collections Software |
Accounts Receivable Automation Software |
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Primary focus |
Collecting outstanding invoices |
Managing more of the AR process |
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Where it fits |
Primarily during collections |
Several stages of AR |
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Common functions |
Reminders, collection workflows, account prioritization, communication tracking |
Invoicing, collections, payments, cash application, reporting |
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Main reason to use it |
Make collections easier to manage |
Reduce manual AR tasks |
There is naturally some overlap between the two. Automated accounts receivable software may include collections tools, while dedicated collections software may connect with other parts of AR.
So when comparing AR software, think about the problem you actually need to solve. If most of the work starts after invoices become outstanding, pay closer attention to how each platform handles collections.
Not every business manages collections in the same way. That said, the seven software solutions we've featured below show how each one differs based on the type of business it best suits.
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Platform |
Overview |
Key Features |
Pricing |
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AR Workflow |
AR automation and collections platform built specifically for restoration companies. |
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Upflow |
Financial relationship management platform for B2B finance teams, with collections as one of its main areas of focus. |
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Pricing not publicly listed |
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Chaser |
AR and credit control platform focused on helping small and growing businesses manage unpaid invoices. |
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Gaviti |
Invoice-to-cash platform for B2B companies with dedicated AR and collections teams. |
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Pricing not publicly listed |
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Kolleno |
AR platform for mid-market and enterprise businesses managing larger volumes of receivables and collection activity. |
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Sidetrade |
AI-powered order-to-cash platform primarily serving large enterprises with complex collections operations. |
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Pricing not publicly listed |
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Emagia |
Enterprise order-to-cash platform for large and global finance and AR operations. |
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Pricing not publicly listed |
AR Workflow is an accounts receivable automation and collections platform built specifically for restoration companies.
The platform helps restoration businesses manage outstanding invoices after the billing process has started. It supports collections work that continues while teams handle new restoration jobs and other day-to-day operations.
AR Workflow also works alongside every company's existing accounting process and gives the team a dedicated place to manage collections without changing much in the system they're accustomed to using.
Image source: upflow.io
Upflow is a financial relationship management platform for B2B finance teams.
The company started with a focus on cash collection and has since expanded its platform into other parts of the payment relationship between businesses and their customers.
Collections remains a main focus. Upflow serves B2B companies that want to organize how their finance teams manage outstanding invoices and customer relationships around payment as the business grows.
Upflow does not publish prices publicly.
Image source: chaserhq.com
Chaser is an accounts receivable and credit control platform for businesses that want to spend less time manually chasing overdue payments.
The company started as a credit control application and continues to focus heavily on collections. Its customers range from smaller businesses with relatively straightforward collection needs to growing companies managing a larger volume of receivables.
Image source: gaviti.com
Gaviti is an invoice-to-cash platform for B2B companies with dedicated accounts receivable operations.
The company was founded by finance and collections professionals and focuses on helping AR teams manage the work involved between sending an invoice and receiving payment.
Gaviti primarily serves medium-sized and larger organizations with several employees involved in receivables and collections management.
Gaviti does not list prices publicly.
Image source: kolleno.com
Kolleno is AR management software for mid-market and enterprise businesses.
The platform covers collections alongside other parts of receivables management, including payments and reconciliation.
Its collections process focuses on businesses that have moved beyond basic invoice chasing and have a larger volume of customer accounts and collection activity to manage.
Kolleno's published plans serve businesses at different stages of growth, including companies with more than $10 million in annual turnover and larger enterprise organizations.
Image source: sidetrade.com
Sidetrade is an AI-powered order-to-cash platform primarily serving large enterprises.
It primarily serves large enterprises, with companies generating more than $1 billion in annual revenue making up much of its customer base.
Its collections feature sits within its wider order-to-cash offering through Augmented Collection, a product designed for businesses managing large customer portfolios and collection operations involving multiple teams, entities, or regions.
Sidetrade does not list prices publicly.
Image source: emagia.com
Emagia is an enterprise order-to-cash software provider serving large financial operations and accounts receivable teams.
Its platform covers several parts of the receivables process, including credit management, collections, deductions, cash application, and tools to forecast cash flow. The company works with enterprise credit and collections departments as well as finance shared-service centers.
Emagia also supports organizations managing receivables in multiple countries, currencies, languages, and financial systems.
Emagia does not list prices publicly.
Collections software doesn't automate every conversation you have with a customer, because some accounts will always need someone to step in and decide what to do next.
Software should make that easier by handling the routine work and giving employees the information they need when their attention is required. That said, here are some of the things that your accounts receivable collections software should be helping you do:
When comparing accounts receivable collections software, look at how each platform helps your team keep follow-ups moving without having to remember every next step manually.
Start with the way your team currently handles reminders. If employees have to check overdue invoices themselves and decide when to reach out again each time, look for software that lets you set a clear follow-up schedule based on where an invoice is in the collections process.
Then consider how much flexibility you need. A routine overdue invoice may only need an automated reminder, while a disputed invoice could require someone on your team to step in.
The right platform should let you automate the repetitive parts of follow-up without forcing every account through the same sequence.
When weighing your options, check whether you can adjust workflows for different collection situations and whether employees can easily step in when an account needs personal attention.
Once your team manages more overdue accounts, knowing which account to work on next becomes an important part of choosing AR collections software.
Invoice age alone does not always answer that question. Two invoices could both be 60 days overdue, but one customer may have promised to pay next week while the other has stopped responding.
When comparing platforms, look at what information they give your team to make that distinction. This could include previous communication, payment history, payment promises, outstanding balances, or collection tasks that still need attention.
Then look at how the platform uses that information. Does it simply show a list of overdue invoices, or does it help employees prioritize accounts that need action now?
This is especially worth considering if your team already spends time reviewing several sources before deciding whom to contact. The platform you choose should make that decision easier, not give employees another overdue-invoice list to sort through.
Another question to ask when comparing accounts receivable software solutions is how easily someone can understand what has already happened on an account.
This becomes more important when several employees take part in collections. One person might email the customer, while another later takes their call. Whoever works on the account next needs that history before deciding whether another follow-up makes sense.
Look at how each platform records emails, calls, notes, payment promises, and collection tasks. More importantly, check whether employees can see that information together when they open the account.
If your team currently searches through inboxes or asks coworkers for updates before contacting a customer, this should carry more weight in your decision. Collections software should reduce the work required to understand an account before taking the next step.
Collection features should help your team reach customers, but you should also look at what happens after a customer agrees to pay.
A customer who is ready to settle an invoice should have a clear way to make timely payments. Having to search for an old invoice or contact your office again for payment instructions adds another step before your business receives the money.
When comparing platforms, check what flexible payment options they provide and how easily customers can access them from a reminder or payment portal. If payment plans are important to your business, check how the platform handles those as well.
This factor will carry more weight for businesses that want collections and payment to stay closely connected. The easier it is for a customer to move from a collection message to payment, the fewer unnecessary steps remain once they are ready to settle the balance.
Finally, consider what each platform will tell you after your team starts using it.
Your total outstanding AR tells you how much money customers still owe and how much cash flow is still tied up in receivables, but it does not tell you whether your collections process is improving. To understand that, you need to see what is happening within the balance over time.
When evaluating software, look at the collections reporting it provides. Can your team see how invoices are moving through aging buckets? Can managers review collection activity or identify where overdue balances continue to build?
Think about which questions your finance team already struggles to answer. Then check whether the platform gives you the information needed to answer them without building separate reports manually.
The reports and cash flow visibility you need will depend on the size and complexity of your collections operation. What matters is choosing a platform that gives your team enough visibility to understand whether its collection efforts are actually moving outstanding invoices toward payment.
The capabilities we just covered give you a baseline for what accounts receivable collections software should help your team do. The next step is figuring out which of those areas matter most for the way your business handles collections.
That means looking at your current process before comparing platforms more closely. How much collection work does your team manage? Where does that work tend to slow down? Who is involved in getting an invoice paid?
The answers will help you determine what the best accounts receivable software looks like for your situation instead of choosing based on features alone.
Here are the main parts of your collections process to assess as you narrow down your AR software solution options.
Start with how your team actually handles an unpaid invoice today.
If one or two employees mainly need to send reminders and keep track of when to contact customers again, your needs are fairly different from a collections team that assigns accounts among several employees and manages separate workflows for different customers.
Pay attention to where most of the work happens. Your team might spend more time sending routine reminders than deciding what to do next. Or employees might already have reminders covered but struggle to keep account history and collection tasks organized.
Once you know which part creates the most work, you can compare platforms based on the type of collections process they are built to support.
A smaller team may put more weight on straightforward reminder automation, while a dedicated AR team may need stronger account prioritization and workload management.
Your industry also shapes what your collections process looks like, which is why the platforms in this list are not all aimed at the same type of business.
A company that invoices other businesses directly may mainly need to manage communication with its customers' finance teams.
A restoration company can have a different payment collection process because an outstanding invoice may involve the property owner, insurance, or other parties involved in the claim.
Look at who your team typically deals with between sending an invoice and receiving payment. Then consider whether the software was built for a similar collection environment.
This is especially important for specialized industries. A general B2B collections platform may cover the basic collection functions you need, while industry-focused software may better reflect the way payments and collections actually work in your business.
Next, look at how much your collections team has to manage.
A business with a relatively small number of overdue invoices may mainly need a dependable way to keep reminders from slipping through the cracks.
A larger AR operation could have several collectors managing different account portfolios, which creates a greater need for assignments, prioritization, and visibility into what each collector is working on.
The number of invoices matters, but so does the amount of work behind them. An account that requires several conversations and regular coordination creates more collection work than one that usually gets paid after a reminder.
Use that complexity to narrow down the type of platform you need. Smaller operations may get more value from simpler collection tools, while mid-market and enterprise teams are more likely to need software built to coordinate collections at a larger scale.
Once you have a better idea of the type of accounts receivable solution your team needs, check how it will fit with your existing systems.
Your accounting software already holds important information about invoices, balances, and payments.
If your collections platform cannot work properly with that information, employees may end up relying on manual entry to move data between systems or checking one system before they can take action in another.
Start with the accounting software or ERP your company already uses and check which platforms integrate with it. Then look beyond whether an integration simply exists and find out what invoice and payment data actually moves between the two systems.
This can help separate two platforms that otherwise look equally suitable for your use case. The better choice fits how your team already manages financial information without creating unnecessary work.
Once you have a better idea of the type of collections platform your team needs, check how it will fit with the financial systems you already use.
Your accounting software already holds important information about invoices, balances, and payments. If your collections platform cannot work properly with that information, employees may end up moving data between systems or checking one system before they can take action in another.
Start with the accounting software or ERP your company already uses and check which platforms integrate with it. Then look beyond whether an integration simply exists and find out what information actually moves between the two systems.
This can help separate two platforms that otherwise look equally suitable for your use case. The better choice is the one that fits into the way your team already manages its financial information without creating unnecessary work.
Manual collections work can be manageable when there are only a few outstanding invoices.
But as that number grows, so does the work required to collect them.
Your team has more customers to contact, more previous conversations to keep track of, and more follow-ups to remember. Eventually, managing the collection process itself starts taking time away from actually resolving the accounts that need attention.
That is usually a sign that AR collections automation is worth considering. Automating routine reminders and collection tasks helps your team keep the process moving without manually keeping track of every next step.
Employees can then focus their attention on delinquent accounts that need a conversation or a decision from someone on the team.
If you're in the restoration industry, one platform that's particularly great at this is AR Workflow. Its platform is built to automate everything behind the scenes when it comes to your routine collection work.
You can create collection workflows that determine what should happen as an invoice ages, including when email or SMS reminders should go out and when someone on your team needs to take action.
This means employees don't have to keep checking every outstanding invoice themselves just to figure out what needs to happen next.
AR Workflow also helps with what happens once those collection efforts start moving an invoice toward payment. Your team can track payment promises and recent payments, while customers have online payment options when they're ready to settle what they owe.
Its aging report then gives your team a clearer view of which balances remain outstanding, so they can see where their attention is still needed.
Finding the right accounts receivable collections software starts with understanding what makes collecting payment difficult for your team.
If outstanding invoices are growing and your employees are spending more time keeping up with them, adding more manual follow-up probably isn't the answer.
The better option is to make the collection process itself easier to manage, so your team isn't constantly checking what needs attention or trying to remember what should happen next.
AR Workflow helps restoration companies do exactly that. It automates routine collection work while giving your team a clearer view of outstanding invoices, previous activity, and where their attention is still needed.
That means your team can keep collections moving with less manual effort for managing every invoice.
As your restoration business grows, your collections process should help improve cash flow by making it easier to collect the money you've already earned, not create more work just to keep up with it.
No single accounts receivable software platform makes sense for every business. The right accounts receivable software depends on what part of AR you need help managing and the type of business you run.
For example, AR Workflow is built specifically for restoration companies that want to automate collections and manage outstanding invoices more efficiently.
QuickBooks is one of the best options businesses can use to manage accounts receivable, including recording invoices and payments and tracking outstanding balances.
Yes. Some accounts receivable software providers offer free plans or trials, although the available features vary.
The five Cs commonly used when evaluating credit are character, capacity, capital, collateral, and conditions. They help a business assess a customer's credit risk before extending credit, while accounts receivable collections focus on collecting money after an invoice has already been issued.