Accounts receivable (AR) automation software can help finance teams invoice customers, track payments, apply cash, manage disputes, and follow up on overdue balances. But there is an important difference between managing the collections process and actually doing the chasing.
This guide is for finance teams that collect their own receivables from business customers and whose accounts receivable software already sends reminders but can’t make the calls.
Most AR platforms automate collections workflows, but few can actually run operational workflows. Think contacting customers, verifying their identity, explaining an invoice, answering questions, capturing a payment commitment, and updating the systems that hold the account record.
That distinction matters when choosing the right platform. The best software depends on where your AR process gets stuck and how much work you want software to do.
For this list, we ranked platforms based on how much collections work they actually execute, their coverage across the accounts receivable cycle, ERP and billing integrations, and compliance and auditability.
How We Picked the Best Accounts Receivable Automation Software
In picking the best AR automation software, we looked at four main criteria:
- Work execution: Does the platform only organize work, or can it actually complete tasks?
- AR coverage: How much of the invoice-to-cash process does it automate?
- Integrations: Can it connect with ERP, billing, accounting, and payment systems?
- Compliance: Does it provide controls, audit trails, and safeguards for customer interactions?
The best accounts receivable software for one team can be the wrong fit for another, so each entry says what it’s best for.
We also reviewed each vendor's current product positioning and pricing information (as of November 5, 2026).
The Best Accounts Receivable Automation Software
| Software | Suited For | Company Size |
|---|---|---|
| HappyRobot | Executing collections outreach at scale | Enterprise |
| HighRadius | Enterprise order-to-cash depth | Enterprise |
| Billtrust | Invoicing and payment network reach | Mid-market to enterprise |
| Versapay | Dispute-heavy customer relationships | Mid-market to enterprise |
| Esker | Complex invoice delivery and global AR | Mid-market to enterprise |
| Quadient | Mid-market collections | Mid-market |
| Tesorio | SaaS and subscription businesses | Mid-market to enterprise |
1. HappyRobot: Best for Executing Collections Outreach at Volume
HappyRobot takes the top spot for one specific reason: it focuses on executing the outreach that gets payments moving, rather than acting as an AR ledger or replacing the rest of your AR stack.
HappyRobot is an AI agent platform for enterprise operations and the best accounts receivable (AR) automation software for brands with high-volume operations. It deploys AI agents that can run daily outbound collections across different channels like voice, email, and messaging. They can verify identity, present invoices, answer customer questions, capture payment commitments, and escalate disputes or exceptions to people. The agents connect with ERP and billing systems so actions can flow back into the systems your finance team already uses.
Compliance is another strength. HappyRobot’s finance workflows include AI disclosure, recording notices, consent confirmation, timezone detection, retry logic, and auditable interaction logs.
A HappyRobot AI agent logs the outcome of every call it makes, including the promised payment date, in the ERP or billing system for collectors to review.
Steps in a HappyRobot collections call
A HappyRobot collections call works in five parts, from the overdue invoice in the ERP to the rules that apply on every call.
- When an invoice in the ERP or the billing system is past due, HappyRobot starts the collections workflow.
- The AI agent calls the customer’s AP contact and verifies the identity of the person who answers. After that check, the agent presents the invoice and asks when the customer will pay it.
- The agent logs the promise to pay in the ERP and sends the customer a payment link by SMS.
- HappyRobot’s memory stores what the agent learned about the account, such as the customer’s payment patterns and past disputes. The agent consults that record before the next call.
- Fixed workflow steps apply these rules on every call:
- AI disclosure
- Recording notice
- Consent confirmation
- Local calling hours
- Retry limits
Outreach can start with an SMS payment link and scheduled reminders. If the customer does not reply, the agent calls within the customer’s local business hours.
Credit and pricing decisions stay with the finance team. The agent offers only the payment plans the team’s fixed rules allow, and it transfers hardship cases and disputes to a person with the full record attached.
Key Features
These are some of the key HappyRobot features that finance teams in collections and reconciliation outreach benefit from:
- Payment collections: Places daily outbound calls to verify the contact's identity and capture a promise to pay.
- Document collection: Follows up on missing documents, such as proofs of delivery and compliance records, until the customer sends them, and flags any gaps.
- Duty collection: Explains unpaid import duty amounts to customers and combines several shipments in one interaction.
- Dispute handling: Gathers dispute details and supporting documents. Also routes the case to the right specialist with full context.
- Reconciliation outreach: Contacts vendors and customers to confirm payments received and close open items.
Pros
A finance team that deploys HappyRobot gets the following advantages:
- AI agents place and conduct the collection calls. Collectors handle the disputes and hardship cases that need a person, while agents make the routine payment-date calls.
- Collections for documents and import duties, as well as invoices. The same AI agents recover missing documents and unpaid import duties, where one deployment handles payment, document, and duty collections.
- 200+ native integrations. Collectors don't manually copy call notes into the ERP, because the agents read the overdue invoice from the ERP or billing system and write the call result back.
- Tests before launch and audits in production. HappyRobot tests an agent with simulated calls, including adversarial calls, before the agent calls real customers. After launch, an AI model that HappyRobot calls an AI judge grades sampled live calls against pass/fail rules, so collections managers can check call quality without listening to every call.
- A record of every customer contact. HappyRobot logs every call, which gives compliance teams an auditable record of every collection call.
Cons
AR leaders should weigh these limits before they add HappyRobot to their AR software:
- HappyRobot has no invoicing or cash application features, which means a finance team needs a separate AR platform for that work.
- A cost estimate requires a demo, because HappyRobot has no published pricing.
Reported Results
Companies that use HappyRobot's AI agents for collections work have reported these results:
- 119x ROI on payment collections for one customer of HappyRobot's AI agents for finance and collections. The ROI compares the cash that this customer collected with the cost of collecting it.
- 10x reduction in per-document recovery cost for document collection.
- CMA CGM uses AI agents to contact customers about unpaid invoices, and since it added the agents, CMA CGM has meaningfully increased its collection rate.
- An outbound voice agent calls DHL recipients about unpaid customs duties and collects payment commitments, which lets DHL release held shipments faster.
Pricing: Quote-based. The volume of work the AI agents handle and the scope of the deployment set the cost.
2. HighRadius: Best for Enterprise Order-to-Cash Depth
HighRadius is a good choice for large organizations that want broad coverage across the order-to-cash process. The company sells its order-to-cash products on one platform for the CFO’s office, alongside AP and treasury products.
HighRadius's collections product uses AI agents to create ranked worklists for collectors and send automated dunning emails. Its AI voice agent answers standard questions on inbound calls and records promises to pay.
Key Features
HighRadius offers these features for AR work besides collections calls:
- AR inbox automation: AI sorts incoming collections emails and drafts replies that include invoice copies and account statements.
- Cash application: An AI agent matches incoming payments to open invoices.
- Deductions management: AI agents match promotions to deductions and predict whether a deduction is valid.
- Credit management: AI scores customer credit risk and predicts blocked orders.
- ERP integrations: Pre-built integrations with more than 50 ERPs and other systems, including SAP S/4HANA, Oracle, NetSuite, and Microsoft Dynamics 365.
Pros
Companies that choose HighRadius get these benefits from the platform's scope and its payment predictions:
- Broad AR coverage in one platform. The CFO's office buys AR and AP automation from one vendor.
- Predicts customer payment delays 30 days in advance. Collectors use that warning to contact a customer before the invoice becomes overdue.
Cons
HighRadius buyers should plan around the following limitations:
- Outcome-based pricing charges a share of realized gains on KPIs agreed in advance, so the final cost depends on the results.
- A company on QuickBooks Desktop needs another connection method because the HighRadius QuickBooks integration supports QuickBooks Online, not the desktop version.
- HighRadius documents an AI voice agent for inbound calls and an in-app dialer for collectors' outbound calls, which means collectors still spend time on outbound collections calls.
P.S. HappyRobot's AI agents make those outbound calls and transfer hardship cases and disputes to collectors.
Pricing: Quote-based. HighRadius sells subscriptions, and its outcome-based pricing charges no subscription fees until go-live.
3. Billtrust: Best for Invoicing and Payment Network Reach
Billtrust is an accounts receivable (AR) automation platform that automates invoicing, payments, credit, collections, and cash application.
It delivers invoices to more than 260 AP portals and through the Peppol e-invoicing network, and it also sends email and paper invoices. Buyers pay their invoices in the Billtrust Buyer Payment Portal.
Billtrust’s Collections Email Responder answers routine buyer emails in the assigned collector’s name and voice, and the AR team chooses which requests receive automatic replies. A collector reviews any reply that does not meet Billtrust’s threshold.
Key Features
Billtrust's AR platform includes the following AI features:
- Buyer-level payment policies: The AR team sets payment rules for a single buyer, and AI helps that buyer choose how to pay.
- Credit monitoring: AI monitors customer creditworthiness with internal and external data and recommends credit-limit changes.
- Cash application: AI matches incoming payments to the right invoice and account, with match rates of 95% and higher.
- Collections procedures: AI segments customers by financial risk and recommends the timing and channel of collections outreach.
Pros
Teams using Billtrust can expect the following benefits on the AR front:
- Invoice delivery to more than 260 AP portals from one interface. The AR team no longer has to upload invoices to buyer portals.
- Billtrust processes more than $1 trillion in invoices a year. Its AI uses payment behavior data from that buyer network to forecast when a customer will pay, which helps collectors decide whom to contact first.
Cons
Consider the following Billtrust limitations when comparing AR vendors:
- Billtrust lists no accounts payable product, so a company that wants AP and AR from one vendor must buy AP automation elsewhere.
- Agentic VoIP is "human-led, AI-assisted," which means every call takes a collector's time, including reviewing the AI's draft summary and next steps.
P.S. A HappyRobot AI agent places the call itself, logs the promise to pay in the ERP and texts the customer a payment link.
Pricing: Quote-based.
4. Versapay: Best for Dispute-Heavy Customer Relationships
Versapay takes a collaborative approach to accounts receivable. The seller’s AR team and its buyers share one portal, where buyers pay several invoices in one payment and register disputes. Collectors resolve those disputes through comments and in-portal messages.
Automation sends the invoices and the dunning emails, while AI and machine learning match incoming payments to open invoices.
The same AI assesses the tone of customer conversations and writes customer summaries that show payment history and the oldest open invoice, which prepares collectors for their next contact. A collector who phones a customer logs the call and its notes in Versapay.
Key Features
Versapay gives sellers and buyers these features in one system:
- Customer portal: Buyers view their invoices and pay several invoices in one payment through a branded self-serve portal.
- Collections prioritization: Versapay predicts which accounts will become delinquent and ranks outreach by real-time risk scores.
- Activity history: Versapay records every email and phone call on an account in one activity history.
- Fraud protection: Built-in fraud protection and risk mitigation tools apply to every transaction.
Pros
Versapay is suitable for AR teams that handle frequent invoice disputes for these reasons:
- Get disputes and payments in one portal. The collector and the buyer can discuss a disputed invoice in the same portal where the buyer pays it.
- Real-time DSO and payment-risk dashboards. Invoice payment predictions show controllers which payments to expect before the month-end close.
- Supports ACH, credit card, virtual card, wire transfer, and check payments. Buyers pay with the method that their AP team already uses.
Cons
These Versapay drawbacks add manual work for collectors:
- Collectors log calls and call notes in Versapay themselves, because Versapay documents no dialer or call transcription.
P.S. HappyRobot’s AI agents place the call and write the result to the ERP, and memory keeps what they learned for the next call.
Pricing: Quote-based.
5. Esker: Best for Complex Invoice Delivery and Global AR
Esker is an automation suite offering a broad invoice-to-cash platform which includes accounts receivable automation, collections, credit management, cash application, and dispute management. The AR suite includes Invoice Delivery, Collections Management, and Claims & Deductions modules, and Esker also sells accounts payable automation.
Its collections tools use due dates to time payment reminders and account statements. Esker Synergy AI predicts payment dates and ranks collection calls by customer risk. When it expects payment within three days, the AI recommends deferring the call.
Esker’s AI agent transcribes and summarizes collectors’ calls and suggests responses and next actions.
Key Features
The following AR modules by Esker help automate these tasks for a global AR team:
- E-invoicing: Esker delivers compliant electronic invoices in more than 60 countries.
- Cash application: AI captures remittance data from documents and emails and matches payments to open invoices.
- Claims & Deductions: Esker extracts deduction data from remittances and starts the deductions workflow.
- AR inbox: Synergy AI summarizes long email exchanges and recommends the next action for a customer message.
Pros
Esker enables the following advantages to the AR teams:
- Gartner named Esker a Leader in its 2024 Magic Quadrant for Invoice-to-Cash Applications. Esker was also a Strong Performer in the 2024 Gartner Voice of the Customer for Invoice-to-Cash Applications, which gives AR leaders an external assessment of the product.
- More than 70 ERP or in-house system integrations. A company with several ERPs connects them all to one AR platform.
Cons
Before choosing Esker, AR leaders should account for demo-first pricing and collector-led calls:
- Procurement needs a demo before comparing Esker's cost, because Esker's AR pages offer a demo request and an ROI calculator instead of prices.
- Esker documents no AI agent that places collections calls, which means collectors place the calls that Synergy AI ranks by customer risk.
P.S. HappyRobot pairs a reasoning agent that decides which customers to call first with AI agents that make those calls.
Pricing: Quote-based.
6. Quadient: Best for Mid-Market Collections
Quadient provides AR automation covering invoice delivery, payments, collections, disputes, cash application, and reporting.
For mid-market collections, Quadient is one of the best accounts receivable (AR) automation software. It uses AI to predict payment behavior, prioritize collections, and enables teams to configure automated reminders and escalation workflows. Quadient also provides centralized tracking for disputes and exceptions.
The company’s automated accounts receivable product, Quadient AR, is part of the Quadient Suite, which connects AR with AP automation. An AI agent that Quadient added in October 2026 reads incoming AR emails and prepares the next action for review.
Key Features
Quadient AR includes these features from invoice delivery to payment matching:
- Invoice delivery: The software sends invoices through digital and print channels and tracks delivery and payment status.
- Customer payments: Customers pay invoices online or schedule a payment for a later date.
- Cash application: AI matches incoming payments to open invoices and allocates the cash in the ERP, whether or not remittance data is included. When a payment has no identified customer, machine learning suggests the likely customer for a collector to review.
- Cash dashboard: The Quadient Suite dashboard combines AP and AR data in one view to track cash flow, working capital and forecasting trends.
- ERP and CRM integrations: Pre-built connectors or a custom setup connect Quadient AR to SAP, Microsoft, Sage, Oracle NetSuite, Workday, Salesforce, QuickBooks, and other systems.
Pros
Below are the Quadient AR advantages that matter to a mid-market AR team:
- One connected platform for AR. The finance team manages invoicing and collections with one vendor and no separate tool for every workflow.
- AI prioritization and rule-based follow-ups. Collectors contact the accounts that the AI prioritizes, and triggers send routine reminders under the AR team's rules.
- Unlimited user licenses and collection workflows. An AR team adds collectors and workflows without buying more licenses.
- Leader in the 2026 SPARK Matrix for Accounts Receivable Applications. QKS Group has rated Quadient a Leader for five years in a row, which gives procurement an external benchmark for the shortlist.
Cons
The shortcomings below affect cost planning and collections calls:
- Quadient AR has no published prices or plan tiers. A finance team submits a form on the pricing page, and Quadient's team recommends a package from those details.
- Collectors place collections calls from a separate phone system, because Quadient lists no calling or dialer feature for Quadient AR.
P.S. HappyRobot built its own voice technology for live phone calls, and HappyRobot's AI agents use that technology to call the customer's AP contact.
Pricing: Quote-based.
7. Tesorio: Best for SaaS and Subscription Businesses
Tesorio is an AR automation platform with products for dunning and collections, plus cash application and forecasting.
Pre-built integrations connect Tesorio with NetSuite, Sage Intacct, QuickBooks, Workday, Zuora, Salesforce, and Stripe, and Tesorio syncs data with those systems in both directions in real time.
A collector starts a Zoom call from a customer or invoice record in Tesorio and shares the meeting link with the customer. Voice Intelligence parses the call transcript and applies the promised payment date to the invoice in auto or review mode, so the collector doesn't retype the date.
Key Features
- Collections Agent: Drafts replies to customer emails for one-click send or human review and extracts payment promises and dispute signals from those emails.
- Cash Application Agent: Matches 95%+ of payments to open invoices, using remittance data from emails, lockbox files, and attachments.
- Supplier Portals Agent: Submits invoices in Coupa and Ariba and checks their payment status.
- AR Forecast: Predicts the payment date of every open invoice and flags gaps between expected cash and targets.
- Payment Portal: Lets customers pay invoices online, with lower processing costs through Tesorio Pay.
Pros
Tesorio helps collectors and controllers in the following manner:
- Scheduled, escalating dunning. Dunning sequences follow up on every invoice on schedule, and collectors send no reminders by hand.
- Cash forecasts and collections in one platform. Controllers compare expected cash with their targets without a separate forecasting tool.
- Two-way, real-time ERP sync. Tesorio reads and writes ERP data through APIs and webhooks, which keeps invoice data current in both systems.
Cons
Plan for these Tesorio constraints:
- Tesorio publishes no prices, and its ROI calculator estimates results from aggregated customer outcomes and industry benchmarks. The buyer's invoice volume, payment terms and customer mix change the actual results, according to Tesorio.
- Voice Intelligence on Zoom requires a Zoom Business plan or higher with cloud recording. A collector still holds the Zoom call.
P.S. HappyRobot’s AI agents place the collections call and apply the promised date in the ERP.
Pricing: Quote-based.
Can AI do accounts receivable?
Yes, AI handles routine accounts receivable work such as matching payments to invoices and predicting which customers will pay their invoices late. AI agents can also make the collections call and record the promise to pay in the ERP.
The table shows which AI tasks the AR platforms in this list perform.
| What AI does in accounts receivable | Platforms in this list | Who conducts the conversation with the customer |
|---|---|---|
| Matches payments to invoices and predicts late payment | HighRadius, Billtrust, Versapay, Esker, Quadient, Tesorio | The task involves no conversation with the customer |
| Reads collections emails and prepares replies or next actions | HighRadius, Billtrust, Esker, Quadient, Tesorio | A collector reviews the AI output. HighRadius and Billtrust can send automatic replies to standard requests, and Quadient lets the finance team decide which actions need a reviewer |
| Supports a collector on collections calls with dialing or call transcripts | HighRadius, Billtrust, Esker, Tesorio | A collector |
| Answers inbound calls with an AI voice agent | HighRadius | The AI voice agent answers standard questions and transfers other calls to collectors |
| Conducts the outbound collections call and logs the promise to pay in the ERP | HappyRobot | The AI agent, which transfers hardship cases and disputes to a person |
What is an AI agent for accounts receivable?
An AI agent for accounts receivable is software that conducts collections conversations with customers, by phone or in writing, and records the outcome in the ERP or billing system. The agent gathers the details and sends the case to the right specialist when the customer disputes a charge.
HappyRobot's workflow builder combines the AI agent with fixed steps that limit the payment plans the agent can offer, which applies the company's collections policy on every call.
For how banks and lenders apply the same approach, see AI in debt collection.
How to Choose the Right AR Automation Software
The first step is to start with where the money is getting stuck.
For example:
- If invoices are going out and reminders are firing, but nobody reaches the person who can approve the payment, the gap is collections capacity. Accounts receivable collections software that only sends reminders won’t close it.
- If your team struggles to match incoming payments to invoices, prioritize cash application automation.
- If invoices are not reaching customers, look for strong invoice delivery and presentment features.
- If disputes are delaying payment, collaboration and dispute management should be high on your list.
- If invoices reach customers but your team doesn’t have enough time to follow up, the problem is different. You need more collections execution capacity.
For most larger finance teams, the answer may not be choosing one system over another. It may be using an AR platform to manage the financial process and an execution layer to make sure the work actually gets done.
This is where an AI agent platform such as HappyRobot can complement an existing AR platform. Instead of replacing your ERP or AR system, it can sit alongside those systems and handle the daily calls, follow-ups, questions, payment commitments, document chasing, and escalation work that a small collections team may not have time to complete.
Your AR platform manages the process. HappyRobot helps execute it.
HappyRobot’s AI agents make daily collections calls and send document requests, while collectors handle disputes and hardship cases that the agents transfer to them.
The ERP still stores the invoice and the promise to pay, because HappyRobot integrates AI agents with the ERP.
Implementation, integrations and security
Before a pilot, ask any accounts receivable management software vendor for proof of its integrations and setup times.
- Integrations: Ask the vendor to write a test promise-to-pay into your ERP during the demo. A HappyRobot workflow retries that write when the ERP is slow or offline, and it logs the failure or sends the case to a person after a failed retry.
- Implementation: Ask for the deployment timeline of a customer in your industry. HappyRobot typically puts the first AI agents into production in 4 to 12 weeks. CMA CGM was production-ready in 4 weeks. One dedicated team manages the deployment from discovery to go-live, and HappyRobot staffs that team with these roles:
- Deployment Strategist
- Forward Deployed Engineers (FDEs)
- Customer Support Specialist
- Security and compliance: Your security team should review the vendor’s compliance documents. HappyRobot is SOC 2 Type II attested and ISO 27001 certified, and its controls are aligned with GDPR. HappyRobot supports customers’ DORA obligations as an ICT third-party provider. Customers own their data, and HappyRobot never uses it to train shared models. Per-workflow audit logs show compliance teams what an AI agent did during a call, and HappyRobot’s finance call protocols cover “AI disclosure, recording notices, consent confirmation, timezone detection, and retry logic. Every call is logged, structured, and auditable.” This section is educational and is not legal advice.
