The Best Accounts Receivable Software in 2026
We researched accounts receivable software from official vendor websites, including pricing pages, plan tables, and product documentation. Products were ranked on receivables management, value for money, and verified features such as invoice tracking, payment monitoring, reminders, and customer payment options.
Our top picks
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Top ranked
Billtrust#1 of 298.8/10A broad invoice-to-cash platform for B2B finance teams managing complex receivables.
Pricing on request
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Runner-up
Esker Accounts Receivable#2 of 298.7/10A broad invoice-to-cash suite for enterprises that need connected AR controls.
Pricing on request
-
Top-ranked free plan
Zoho Invoice#6 of 298.5/10A capable free invoicing tool with payments, reminders, portals, and receivables reports.
Free plan
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 29 tools, best first
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Best forBusinesses needing invoicing, payments, and collections
A broad invoice-to-cash platform for B2B finance teams managing complex receivables.
- Customer payment portal
- Overdue balance reports
- Payment reminders
8.8/10★★★★☆Visit Billtrust -
Best forMature enterprises wanting integrated AR controls
A broad invoice-to-cash suite for enterprises that need connected AR controls.
- Customer payment portal
- Overdue balance reports
- Payment reminders
8.7/10★★★★☆Visit Esker -
Best forEnterprises automating collections and disputes
A broad enterprise AR suite covering collections, disputes, cash application, and credit.
- Customer payment portal
- Overdue balance reports
- Payment reminders
8.5/10★★★★☆Visit Sidetrade -
Best forTeams wanting broad ERP connectivity and reconciliation
A broad AR platform for teams connecting ERP data, collections and reconciliation.
- Customer payment portal
- Overdue balance reports
- Payment reminders
8.5/10★★★★☆Visit Quadient -
Best forSage-centered finance teams
Broad AR automation for high-volume teams using Sage and other ERPs.
- Customer payment portal
- Overdue balance reports
- Payment reminders
8.5/10★★★★☆Visit Sage -
Best forSmall businesses needing free invoicing
A capable free invoicing tool with payments, reminders, portals, and receivables reports.
- Recurring invoices
- Customer payment portal
- Overdue balance reports
8.5/10★★★★☆Visit Zoho Invoice -
Best forBusinesses needing multichannel collections and escalation
A broad AR platform for collections, payments, credit monitoring, and escalation.
- Customer payment portal
- Overdue balance reports
- Payment reminders
8.4/10★★★★☆Visit ezyCollect -
Best forLarge enterprises needing end-to-end AR automation
A broad AR platform for enterprises managing collections, payments, cash application, and forecasting.
- Customer payment portal
- Overdue balance reports
- Payment reminders
8.2/10★★★★☆Visit HighRadius -
Best forBusinesses needing recurring billing and B2B payments
A broad AR platform for recurring billing, B2B payments, collections, and reconciliation.
- Customer payment portal
- Overdue balance reports
- Payment reminders
7.8/10★★★★☆Visit Versapay -
Best forTeams wanting broad AR features with a free plan
A broad AR workspace with a free dashboard and tiered automation for growing teams.
- Customer payment portal
- Overdue balance reports
- Payment reminders
7.7/10★★★★☆Visit Upflow -
Best forMidmarket teams with larger AR budgets
A broad AR platform for teams managing complex collections and payment workflows.
- Customer payment portal
- Overdue balance reports
- Payment reminders
7.6/10★★★★☆Visit Kolleno -
Best forTeams wanting AI-driven dunning and forecasting
AccountsReceivable.ai combines AI-driven dunning, cash application, and payment forecasting.
- Overdue balance reports
- Payment reminders
7.6/10★★★★☆Visit site -
Best forSubscription businesses needing AR and recurring billing
A broad AR and recurring billing platform for mid-sized and large B2B businesses.
- Recurring invoices
- Customer payment portal
- Payment reminders
7.5/10★★★★☆Schedule a Demo -
Best forTeams needing omnichannel collection automation
Yonovo automates omnichannel collections while keeping sensitive cases with human staff.
- Customer payment portal
- Overdue balance reports
- Payment reminders
7.4/10★★★★☆Visit Yonovo -
Best forGlobal organizations managing complex receivables
A broad, multi-entity AR platform for complex enterprise finance operations.
- Customer payment portal
- Overdue balance reports
- Payment reminders
7.2/10★★★★☆Visit Emagia -
Best forModern teams wanting collaborative AI collections
A broad AR workspace combining collections automation, forecasting, disputes, and AI matching.
- Customer payment portal
- Overdue balance reports
- Payment reminders
7.1/10★★★★☆Visit Growfin -
Best forSelf-hosting users needing free invoicing
Free invoicing with recurring billing, payment tracking, portals, reminders, and REST API access.
- Recurring invoices
- Customer payment portal
- Overdue balance reports
7.0/10★★★★☆Visit InvoiceShelf -
Best forSmall firms needing straightforward automated chasing
A focused web tool for automating invoice follow-up and collection.
- Payment reminders
6.9/10★★★☆☆Visit InvoiceSherpa -
Best forFinance teams focused on collections and forecasting
A connected AR platform for collections, cash application, and forecasting.
- Customer payment portal
- Overdue balance reports
- Payment reminders
6.8/10★★★☆☆Visit Tesorio -
Best forAccounting firms needing payment and reconciliation tools
Plooto connects invoice capture, approvals, payments, and reconciliation in one web platform.
6.8/10★★★☆☆Visit Plooto -
Best forSMBs wanting proven collections at a clear price
Chaser combines automated collections, payment tools, risk insights, and forecasting for growing businesses.
- Customer payment portal
- Overdue balance reports
- Payment reminders
6.4/10★★★☆☆Visit Chaser -
Best forBudget-conscious users wanting open-source flexibility
Open-source invoicing with recurring billing, portals, payments, and self-hosting.
- Recurring invoices
- Customer payment portal
- Overdue balance reports
6.3/10★★★☆☆Visit Invoice Ninja -
Best forSelf-hosting users needing basic invoicing
Free invoicing software for self-hosting users who need core billing workflows.
6.3/10★★★☆☆Visit InvoicePlane -
Best forSMBs needing AI-assisted collections workflows
A broad receivables platform for automating collections, cash application, disputes, and credit workflows.
6.1/10★★★☆☆Visit Gaviti -
Best forTeams needing lightweight collection operations
A focused collections workspace for teams managing invoices, promises and follow-ups.
- Overdue balance reports
5.4/10★★★☆☆Visit CollectFlows -
Best forChargebee customers managing payment failures
A focused receivables platform for Chargebee customers managing payment failures.
- Customer payment portal
- Overdue balance reports
- Payment reminders
5.3/10★★★☆☆Visit Chargebee -
Best forBusinesses combining AR with financing options
A B2B AR platform combining invoice automation, collaboration, collections, and finance options.
- Overdue balance reports
- Payment reminders
5.2/10★★★☆☆Visit GIROPie -
Best forSmall teams wanting controlled AI follow-ups
A focused web tool for staged collections, AI drafts, and human-approved follow-ups.
- Overdue balance reports
- Payment reminders
5.1/10★★★☆☆Visit Accruid -
Best forTeams needing free employee spend management
A free spend-management platform, but not a focused accounts receivable system.
4.0/10★★☆☆☆Visit BILL
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Invoice tracking | Overdue balance reports | Payment reminders | Customer payment portal | Score |
|---|---|---|---|---|---|---|---|---|
| 1 | Billtrust | Yes | Yes | Yes | Yes | 8.8 | ||
| 2 | Esker Accounts Receivable | No | Yes | Yes | Yes | Yes | 8.7 | |
| 3 | Sidetrade | No | Yes | Yes | Yes | Yes | 8.5 | |
| 4 | Quadient AR Automation | Yes | Yes | Yes | Yes | 8.5 | ||
| 5 | Sage AR Automation | Yes | Yes | Yes | Yes | 8.5 | ||
| 6 | Zoho Invoice | Yes | Free | Yes | Yes | Yes | Yes | 8.5 |
| 7 | ezyCollect | No | Yes | Yes | Yes | Yes | 8.4 | |
| 8 | HighRadius | Yes | Yes | Yes | Yes | 8.2 | ||
| 9 | Versapay | Yes | Yes | Yes | Yes | 7.8 | ||
| 10 | Upflow | Yes | Yes | Yes | Yes | 7.7 | ||
| 11 | Kolleno | Yes | Yes | Yes | Yes | 7.6 | ||
| 12 | AccountsReceivable.ai | No | $249/mo | Yes | Yes | Yes | 7.6 | |
| 13 | Invoiced | Yes | Yes | Yes | 7.5 | |||
| 14 | Yonovo | Yes | Yes | Yes | Yes | Yes | 7.4 | |
| 15 | Emagia Receivables Management | Yes | Yes | Yes | Yes | 7.2 | ||
| 16 | Growfin | Yes | Yes | Yes | Yes | 7.1 | ||
| 17 | InvoiceShelf | Yes | Free | Yes | Yes | Yes | Yes | 7.0 |
| 18 | InvoiceSherpa | Yes | Yes | 6.9 | ||||
| 19 | Tesorio | Yes | Yes | Yes | Yes | 6.8 | ||
| 20 | Plooto | No | 6.8 | |||||
| 21 | Chaser | No | $259/mo | Yes | Yes | Yes | Yes | 6.4 |
| 22 | Invoice Ninja | Yes | $14/user/mo | Yes | Yes | Yes | Yes | 6.3 |
| 23 | InvoicePlane | Yes | Free | Yes | 6.3 | |||
| 24 | Gaviti | 6.1 | ||||||
| 25 | CollectFlows | No | 145 AED/mo | Yes | Yes | 5.4 | ||
| 26 | Chargebee Receivables | Yes | Yes | Yes | Yes | 5.3 | ||
| 27 | GIROPie | No | Yes | Yes | Yes | 5.2 | ||
| 28 | Accruid | No | Yes | Yes | Yes | 5.1 | ||
| 29 | BILL Spend & Expense | Yes | Free | 4.0 |
Head-to-head All 28 comparisons →
- Billtrust vs Esker Accounts Receivable
- Billtrust vs Sidetrade
- Billtrust vs Quadient AR Automation
- Billtrust vs Sage AR Automation
- Billtrust vs Zoho Invoice
- Billtrust vs ezyCollect
- Billtrust vs HighRadius
- Esker Accounts Receivable vs Sidetrade
- Esker Accounts Receivable vs Quadient AR Automation
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How we rank accounts receivable software
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update