Accounts receivable automation has become a strategic priority for finance leaders seeking faster cash flow, fewer manual steps and stronger customer relationships. The right A/R automation software modernizes order-to-cash, shortens DSO and unlocks working capital for growth.
This guide compares the best accounts receivable automation software and helps you identify the best A/R automation software for your company’s size, risk profile and operating channels.
Below, you’ll find the leading A/R automation solutions for 2026 — organized by company size and use case. Each platform solves key challenges in credit management, invoicing, collections and reconciliation. TreviPay supports enterprise credit programs across channels and partner networks, with an optional funded model for predictable settlement.
Key Takeaways
Use this overview to match the best accounts receivable automation software to your company’s size and operating model. This helps you identify the best A/R automation software for your current capacity and future scale.
- Best for Enterprise (credit program + lower support load): TreviPay — extend net terms across channels and reduce internal ticket volume; optional funded program for predictable settlement.
- Best for Enterprise (software-only): HighRadius — run credit, billing, cash application and collections in-house.
- Best for Upper Mid-Market: Versapay or Quadient A/R (YayPay) — collaboration portals and structured collections playbooks.
- Best for SMB: BILL, Zoho Books, FreshBooks — simple invoicing, reminders and payments with fast time-to-value.
- Billing-Led Alternatives: BillTrust, Corcentric — standardize invoicing, payment acceptance and cash application.
- Collections Add-ons: Upflow, Gaviti — strengthen follow-ups and aging visibility.
- Checkout Financing (not A/R automation): Balance, Slope, Hokodo — embedded net terms at checkout.
Your Evaluation Lens: Choosing A/R Automation Software
Selecting A/R automation software requires more than a feature checklist. Focus on measurable outcomes that strengthen liquidity, reduce manual effort and scale with your operations. The areas below outline where finance leaders see the greatest impact on performance and long-term ROI.
Credit & Capital Model (funded vs. software-only)
Decide whether your organization plans to hold receivables on the balance sheet or use a funded model for predictable settlement timing. This decision shapes cash flow stability and internal credit controls.
Operating Model & Headcount Impact
Outline who will perform credit review, onboarding, billing inquiries and collections follow-ups. Some providers offer branded support that reduces hiring requirements.
Complex Channels
Confirm whether the platform supports multi-entity and multi-party selling environments, including dealer networks and staged workflows across web, app and in-store credit.
Depth of A/R Coverage
Look for coverage across credit decisioning, invoicing, payments, cash application, deductions handling and collections. Gaps in any area often create manual workarounds.
Integration Fit
Check compatibility with ERP, CRM and dealer-management systems. Strong APIs and event-based data flows shorten implementation and simplify ongoing updates.
Global Scale & Compliance
Consider multi-currency, multi-entity reporting and alignment with regional e-invoicing and tax mandates.
Time-to-Value & Total Cost of Ownership
Balance implementation timelines and internal workload with expected gains in cash flow and process efficiency.
Funding Models & Cash-Flow Impact
| Model | Who Funds? | Who Owns A/R? | Cash Predictability | When to Choose |
|---|---|---|---|---|
| Provider-funded (TreviPay) | Provider | Provider | High (guaranteed settlement) | Transfer risk and stabilize DSO |
| Your capital + SaaS A/R | You | You | Medium | Retain risk/manage A/R in-house |
| Bank partner (Capital One) | Bank | Bank | High | Private-label trade credit via a bank |
Discover Our A/R Automation Solutions
What’s the Best A/R Automation Software for Your Company Size?
Company size is often the strongest indicator of which A/R automation platform will fit — not only today, but as operations expand. The right platform depends on how you manage credit, how many systems and channels you support and how much internal capacity you have for ongoing collections and buyer communication.
- Enterprise organizations typically manage multi-entity structures, dealer or distributor networks, and multiple sales channels. These teams benefit from A/R platforms that support complex credit workflows and reduce the internal workload involved in servicing receivables at scale.
- Upper mid-market teams are often modernizing A/R operations while working within existing headcount constraints. Solutions that strengthen collaboration, visibility and structured collections workflows tend to provide the highest return.
- SMBs and startups prioritize fast deployment, straightforward invoicing and better visibility into aging and cash flow. Lightweight platforms minimize administrative lift and accelerate time-to-value.
- B2B e-commerce checkout financing and subscription billing sit adjacent to A/R automation. These solutions serve specific purchasing and billing models and may complement, rather than replace, core A/R operations.
Use this matrix to compare the best accounts receivable automation software by operating scale before vendor calls.
Best A/R Automation Software by Company Size
| Company Size & Complexity | Common Challenges | Primary Picks | Alternatives |
|---|---|---|---|
| Enterprise (global, multi-entity, dealer/fleet or multi-channel environments) | Credit exposure, long DSO, servicing at scale, web/app/in-store credit | TreviPay — funded net terms and branded receivables operations that reduce internal workload and support dealer + fleet workflows | HighRadius (enterprise A/R suite for in-house servicing), Versapay (collaboration for disputes) |
| Upper Mid-Market ($100M–$1B) | Fragmented workflows, disputes, limited A/R staffing | Versapay, Quadient A/R (YayPay): collaboration + structured collections playbooks | BillTrust, Corcentric (billing/payments/cash application), Tesorio (cash-flow forecasting + prioritization) |
| SMB & Startup | Manual invoicing, minimal reminders, limited aging visibility | BILL, Zoho Books, FreshBooks — simple invoicing and payment workflows with low lift | Upflow, Gaviti (collections workflow add-ons) |
| B2B e-commerce checkout | Need for instant credit at checkout to reduce purchase friction | — | Balance, Slope, Hokodo — embedded net terms at checkout |
| Subscription/SaaS | Recurring or usage-based billing tied to receivables tracking | Younium | — |
Note: Bank-run programs (e.g., Capital One Trade Credit) and checkout financing providers support credit and payments, not the full A/R lifecycle. They are best used alongside a core A/R automation platform when the credit model calls for it.
Read on for our client stories and learn about the benefits we deliver
What’s the Best A/R Automation Software for Your Use Case?
Different A/R solutions focus on different parts of the receivables lifecycle. The right fit depends on how you manage credit, how many people you have supporting collections, and whether your revenue flows through direct sales, dealer networks, or online checkout.
Some companies centralize A/R internally and want a software suite to streamline workflows. Others prefer to operate A/R differently — offloading credit programs or high-volume buyer servicing to reduce internal workload. Meanwhile, digital-first organizations may need credit embedded directly at checkout, or recurring billing tied to revenue recognition.
Use the table below to find the category that aligns most closely with your operating model.
Best A/R Automation Software by Use Case
| Use Case | Best Choice(s) | How to Think About It |
|---|---|---|
| Credit + A/R operations handled externally for enterprise scale | TreviPay | Works when organizations want to extend net terms, stabilize cash flow, and reduce the internal workload of servicing receivables across many buyers or channels. |
| Enterprise software-only A/R suite (internal teams run credit + collections) | HighRadius | Fits organizations that centralize A/R operations in-house and want a system to run credit, billing, cash application and collections in one environment. |
| Mid-Market collaboration + collections workflows | Versapay, Quadient A/R (YayPay) | Strengthens invoice collaboration, dispute management and follow-up workflows where customer engagement is frequent. |
| Billing-led A/R automation (software-only) | BillTrust, Corcentric | Helpful when billing, payments and cash-application efficiency are the primary objectives. |
| Payments-led A/R automation | Paystand | Supports teams looking to modernize payment rails and reconciliation within the invoice-to-cash process. |
| SMB invoicing, reminders, and simple reporting | BILL, Zoho Books, FreshBooks | Fits teams that need clear invoicing workflows with minimal implementation and a small administrative footprint. |
| Collections workflow add-ons | Upflow, Gaviti | Enhances existing invoicing or accounting systems with structured follow-up and aging visibility. |
| Checkout financing for online B2B transactions (not full A/R automation) | Balance, Slope, Hokodo | Used when the priority is reducing friction at checkout and offering net terms instantly for online orders. |
| Subscription or usage-based billing tied to A/R visibility | Younium | Designed for recurring billing cycles with revenue recognition and contract-level financial tracking. |
Implementation, Security, and Pricing at a Glance
Before shortlisting solutions, set clear expectations for implementation, compliance, and commercial structure. These areas determine the total cost of ownership and time-to-value across company sizes.
Implementation
Deployment timelines vary by complexity and integration depth.
- Enterprise: Integrate with ERP and dealer systems to support three-party and in-store credit programs. Most enterprise deployments run several weeks to a few months, depending on data readiness and customization.
- Mid-market: Connect to leading ERPs through standardized APIs. Collaboration and collections workflows typically deploy in weeks.
- SMB: Activate invoicing, reminders, and customer portals with minimal IT setup — often within days.
- Common connectors: SAP, Oracle, Microsoft Dynamics, NetSuite, Sage and dealer-management or legacy systems through API or file-based integrations.
Our partners allow us to work seamlessly with existing systems and agencies, providing more opportunities to grow your business.
Security & Compliance
Confirm certifications and controls early to streamline procurement. Enterprise-grade vendors typically hold SOC 2 Type II, ISO 27001 and PCI DSS certifications. Most also incorporate KYC, KYB and AML checks, along with compliance for regional e-invoicing and tax mandates. Data is encrypted in transit and at rest, supported by role-based access controls and audit logging for governance transparency.
Pricing: Pricing models depend on funding structure, transaction volume and service scope.
- SaaS subscription: Tiered pricing by license, module or invoice volume — standard for software-only A/R automation.
- SaaS + take-rate: Hybrid pricing that combines subscriptions with transaction-based or network fees, common among payments-led platforms.
- Funded programs: Custom pricing tied to credit exposure, settlement guarantees, and managed servicing depth — reflecting the value of risk transfer and guaranteed liquidity.
This overview helps finance leaders benchmark timelines, compliance readiness and cost structures before moving into detailed vendor comparisons.
Snapshots of the 18 Best Accounts Receivable Automation Software Solutions
Below are concise profiles of the top A/R automation providers for 2026. Each summary covers core functionality, target audience and operational highlights to help finance leaders identify the right solution for their business model.
1. TreviPay
TreviPay is a B2B credit and payments platform for enterprises selling across web, app, in-store and partner networks. TreviPay provides credit decisioning, invoicing, buyer-servicing workflows and omnichannel purchasing so teams can offer net terms and operate receivables at scale. Companies can hold receivables in-house or opt for a funded program for predictable settlement.
Best For: Multi-entity organizations with dealer/distributor/fleet models that need consistent credit across channels and want to limit A/R support headcount growth.
Standout Features:
- Credit underwriting and onboarding workflows for high-volume buyer networks
- Omnichannel credit support across online portals, e-commerce, EDI and point-of-sale
- Branded buyer servicing to reduce internal ticket volume and support load
- Integration with dealer-management systems and enterprise ERPs
Limitations: Best suited for organizations offering net terms and selling through complex channels. Companies with simple invoicing needs or few buyer accounts may find software-only platforms more appropriate.
Pricing: Custom pricing based on funding model, volume and program scope.TreviPay fits enterprises that need to extend trade credit at scale, support multiple selling channels and reduce the internal workload required to service thousands of buyer relationships.
TreviPay — Proof Points
- Automated credit decisions delivered in seconds through proprietary underwriting.
- Active operations across North America, Europe and Australia.
- Buyer onboarding, billing inquiries and account servicing can be handled under the client’s brand
- Supports e-invoicing and tax compliance across major global regulatory regions
Is TreviPay a Fit?
| Signal | If Yes → TreviPay Fit | If No |
|---|---|---|
| Want to transfer credit risk & stabilize DSO | Strong fit (funded model) | Consider SaaS A/R |
| OEM–Dealer–Fleet or marketplace model | Strong fit | Pure SaaS likely sufficient |
| Need in-store net terms alongside web/app | Strong fit | Portal-only vendors may suffice |
| Limited A/R headcount; want co-branded collections | Strong fit | DIY with SaaS + internal team |
| Operating in multiple countries with e-inv mandates | Strong fit | Regional tools may suffice |
Learn More About Accounts Receivable Automation
2. Versapay
Versapay centralizes customer communications and invoice-related collaboration between finance teams and buyers. Works well for mid-market and enterprise teams prioritizing dispute resolution and ongoing customer relationships.
3. Capital One Trade Credit
Capital One Trade Credit provides bank-funded trade credit programs that support private-label credit for B2B sellers. Useful when organizations want credit underwriting and funding handled through a financial institution rather than internal A/R operations.
4. Quadient A/R (YayPay)
Quadient A/R offers structured collections workflows and payment-behavior insights. Fits mid-market organizations aiming to improve visibility, prioritization and follow-up consistency across receivables.
5. Tesorio
Tesorio focuses on cash-flow forecasting and collections prioritization, using data to predict payment timing and guide outreach. Works best for finance teams invested in cash-flow planning and performance tracking.
6. Paystand
Paystand modernizes A/R payments infrastructure with digital payment rails and automated reconciliation. Fits companies looking to reduce transaction costs and streamline invoice-to-cash processes.
7. BILL (Bill.com)
BILL simplifies invoicing, approvals and payment workflows for small and mid-sized businesses. Helpful for lean finance teams needing basic A/R automation without a long implementation cycle.
8. Zoho Books
Zoho Books provides accounting and A/R capabilities in a unified platform suited for small businesses. Works well when organizations value affordability and integration with other Zoho applications.
9. FreshBooks
FreshBooks supports invoicing and payment workflows for freelancers and service-based small businesses. Best when teams prioritize ease of use and minimal setup.
10. Upflow
Upflow standardizes A/R follow-up processes and provides visibility into outstanding invoices. Useful for growing finance teams that need to tighten collections workflows.
11. Gaviti
Gaviti organizes collections tasks and communication sequences, helping teams improve consistency and prioritization. Works well for mid-sized companies refining their collections workflows.
12. Balance
Balance enables embedded B2B checkout financing and net terms for digital commerce. Best for online sellers expanding B2B payment flexibility at checkout.
13. Slope
Slope provides instant net-terms approval and repayment workflows for B2B marketplaces. Useful when the primary need is conversion uplift in digital checkout.
14. Hokodo
Hokodo offers embedded net-terms and insured credit programs for European digital sellers. Fits businesses selling into EU/UK markets.
15. Younium
Younium connects subscription billing, revenue recognition and A/R tracking for SaaS and usage-based business models. Works best when recurring billing is the operational core.
16. HighRadius
HighRadius provides an A/R software suite covering credit, invoicing, cash application and collections workflows. Best fit for enterprise finance teams that plan to run credit decisions and customer servicing internally and want to centralize automation in one platform.
17. BillTrust
BillTrust offers invoicing, payments and cash-application automation designed for organizations looking to improve billing efficiency and A/R visibility without changing credit or servicing ownership.
18. Corcentric
Corcentric provides billing and receivables automation alongside broader procurement and payables tools. Works well for mid-market teams standardizing financial workflows across multiple systems.
A/R Automation Software FAQs
What is A/R?
Accounts receivable (A/R) represents revenue owed to a business for delivered goods or services. A/R automation digitizes invoicing, payments and collections to accelerate cash flow and improve accuracy. Learn more about A/R automation.
What is the best A/R automation platform?
The best A/R automation platform depends on your company’s scale and credit model. TreviPay is a strong fit for enterprises that extend net terms across many buyers and want to reduce the internal workload of onboarding, billing inquiries and servicing. Software-only A/R suites like HighRadius fit teams that prefer to run all credit, invoicing and collections workflows in-house.
Do you fund our net-terms programs?
Yes. Organizations can choose to hold receivables internally or use TreviPay funding to stabilize cash flow and reduce credit exposure.
Can you manage buyer support, disputes and collections under our brand?
Yes. TreviPay manages onboarding, billing, collections and support under the client’s brand, operating as a seamless extension of the finance team.
Do you support dealer, distributor and fleet networks?
Yes. TreviPay supports shared buyer networks, multi-entity hierarchies and co-branded account structures across OEM, dealer and fleet channels.
Can TreviPay handle buyer servicing?
Yes. TreviPay can manage onboarding, support tickets, invoicing questions and payment follow-ups under the client’s brand — helping finance teams avoid adding headcount as transaction volume grows.
What does implementation require?
TreviPay integrates with ERP, e-commerce and POS systems. Implementation includes guided onboarding focused on reducing internal lift and accelerating time-to-value.
What are my options if we want to start software-only and add funding later?
TreviPay offers flexible implementation. Businesses can deploy A/R automation software first, then integrate funded trade credit programs when expansion or liquidity goals require it.
How fast are credit decisions, and what data is used?
TreviPay’s credit decisioning engine uses business, financial and behavioral data to approve accounts in seconds. Automated underwriting balances speed with compliance for every transaction.
How predictable will DSO/cash become with guaranteed settlement?
Guaranteed settlement creates consistent cash flow and measurable DSO stability. TreviPay funds the receivable upfront, removing payment uncertainty and improving working capital forecasting.
What about global coverage & compliance (e-invoicing, tax, KYC/KYB/AML)?
TreviPay supports multi-country operations with compliance for e-invoicing, tax and financial regulations, including KYC, KYB and AML. Read about TreviPay’s global reach.
What does implementation require from our team?
TreviPay integrates with existing ERP and dealer systems through guided onboarding. The process minimizes internal effort and delivers measurable value quickly.
Ready to Scale Net Terms Without Adding A/R Headcount?
Run credit programs across web, app and in-store, streamline buyer servicing and stabilize settlement timing on your terms.
