Oct 21, 2026
Late payments remain one of the most persistent challenges facing B2B companies. Nearly 47% of B2B invoices are paid late, locking up an estimated $10 trillion globally in unpaid invoices. For finance teams drowning in manual follow-ups and spreadsheet tracking, AI collections software can reduce DSO, with reported improvements ranging from 15 to 33 days in selected implementations while reclaiming 40+ hours monthly. The B2B collections software market is projected to reach $11.3 billion by 2034 as companies shift from reactive chasing to AI-powered automation. For manufacturers, distributors, and wholesalers looking to streamline collections while maintaining customer relationships, Resolve Pay's Agentic Collections platform provides multi-channel automation with intelligent escalation that handles follow-ups across email, SMS, and voice AI.
Key Takeaways
- AI-powered collections software can reduce DSO by 15 to 33 days on average while cutting manual AR work by up to 90%, freeing finance teams to focus on strategic initiatives rather than payment chasing
- Non-recourse financing can reduce exposure to covered buyer credit defaults on eligible approved invoices while accelerating access to cash from extended net terms, addressing the cash flow strain caused by Net 30, 60, or 90 payment terms
- Some AI collections platforms report 90%+ automated cash matching rates, dramatically reducing manual reconciliation for complex B2B invoices
- Multi-channel agentic collections using email, SMS, and voice AI outperform single-channel approaches by reaching customers through their preferred communication method with intelligent escalation
- Implementation timelines vary significantly across platforms, from 1 to 2 weeks for SaaS-native solutions to 8 to 12 weeks for enterprise deployments, making speed-to-value a critical evaluation factor
- Only 3% of AR operations are fully automated, creating significant competitive advantage for early adopters of AI-powered collections technology
1. Resolve Pay: AI-Powered Non-Recourse B2B Collections
Resolve Pay offers B2B companies a unique advantage: non-recourse financing combined with AI-powered collections automation. Unlike traditional factoring or standalone AR platforms, Resolve can advance up to 90% of invoice value under typical arrangements, with up to 100% available on eligible approved invoices, subject to program terms while handling the entire collections process through automated multi-channel sequences.
Best For
Mid-market manufacturers, distributors, and wholesalers offering net terms who want to reduce exposure to covered buyer credit defaults while automating collections and maintaining customer relationships.
Key Features
- Non-recourse financing advances up to 90% of invoice value within 1 to 2 business days
- AI Credit Engine supports real-time credit decisioning, with credit assessment results available within 24 business hours
- Multi-channel agentic collections across email, SMS, and voice AI with intelligent escalation
- Two-way ERP sync with NetSuite, QuickBooks, Sage Intacct, and Xero
- White-labeled buyer payment portal accepting ACH, wire, credit card, and check payments
- Automated payment reconciliation using ML to match invoice-to-cash
B2B Relevance
Resolve's platform addresses the core challenge facing B2B sellers: offering competitive net terms without cash flow strain or credit risk exposure. The AI-powered AR automation handles invoice generation, payment reminders, and reconciliation, reducing manual AR work by up to 90%. The agentic collections system uses configurable day thresholds to automatically escalate from email to SMS to AI voice calls, pausing when payments or disputes are received.
For companies extending Net 30, 60, or 90 terms, having a solution that manages the entire credit-to-cash lifecycle while providing non-recourse protection on eligible approved financed invoices can be particularly valuable. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
Customer Validation
Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours. SS&SI Dealer Network achieved 5x revenue growth, and Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours.
2. HighRadius: Enterprise AI-Powered Order-to-Cash
HighRadius provides enterprise AR automation capabilities spanning credit, collections, cash application, and deductions management. Processing trillions in annual transactions across 135+ currencies, the platform serves Global 2000 organizations with complex, high-volume AR requirements.
Large enterprises with 1,000+ open invoices monthly, global operations, and complex ERP environments requiring comprehensive order-to-cash automation.
Key Features
- Multiple AI agents for credit, collections, cash application, and deductions
- Integration with 35+ credit agencies and 20+ AP portals
- Processes $18.9 trillion annually across 135+ currencies
- Outcome-based commercial model designed for enterprise deployments
- 1,100+ enterprise customers including 200+ Global 2000 organizations
HighRadius earned recognition as a Gartner Magic Quadrant Leader for three consecutive years. The platform delivers:
- 90% improvement in credit approval time
- Up to 20% bad debt reduction for enterprise customers
- Comprehensive coverage of order-to-cash workflows
Danone achieved $25.5 million in annual deduction recovery, a 25-day DDO reduction, and 75% productivity increase using HighRadius. Customers report DSO and past dues down 10% with productivity up 40%.
3. LedgerUp
LedgerUp provides AI-native AR automation designed around B2B SaaS contract-to-cash workflows. Purpose-built for B2B SaaS companies with complex subscription and usage billing, the Y Combinator-backed platform features contract intelligence that reads DocuSign and PandaDoc contracts to auto-generate invoices.
B2B SaaS companies with complex subscription billing models seeking AI-assisted contract-to-cash automation.
Key Features
- High automation depth for invoice generation and reconciliation
- Contract intelligence auto-generates invoices from DocuSign and PandaDoc
- AI assistant "Ari" provides autonomous contract-to-cash management via Slack
- Slack-native workflows for approvals and management
- 1 to 2 week implementation timeline
LedgerUp's AI-native architecture eliminates the manual invoice entry and reconciliation that burdens finance teams. The Slack integration allows:
- Approvals without leaving the communication platform
- Exception handling in real-time
- Reduced context switching for finance teams
Gather eliminated duplicate invoice processing work, automated collections within one month, and reclaimed 80+ hours monthly for their finance team.
4. Tesorio
Tesorio combines AR automation with cash forecasting capabilities for finance teams managing collections and liquidity planning. The platform delivers an average 33-day DSO reduction for customers through machine learning that builds per-customer payment prediction models.
Finance teams requiring unified cash visibility alongside AR automation, particularly SaaS companies using NetSuite or Salesforce.
Key Features
- Cash forecasting integrated with AR automation
- Machine learning builds per-customer payment prediction models
- Native NetSuite and Salesforce integrations
- Real-time cash visibility dashboard
- 85% estimated vs. actual receipts accuracy
B2B Relevance
Tesorio combines AR automation with cash forecasting for finance leaders managing both collections and treasury functions. Having a unified platform:
- Eliminates reconciliation burden between separate systems
- Provides predictive insights into payment timing
- Improves working capital planning
5. Upflow
Upflow provides collections automation, payment workflows, and customer-facing payment experiences for B2B finance teams. The platform's "Financial Relationship Management" approach maintains customer goodwill through branded payment portals and adaptive learning that optimizes follow-up timing based on payment behavior.
Growing B2B companies prioritizing customer experience alongside collections efficiency, particularly those with complex customer relationships.
Key Features
- G2 rating of 4.8/5 with 95% ease of use score
- Branded customer payment portals supporting cards, ACH, SEPA, and wire
- Adaptive learning optimizes follow-up timing based on payment behavior
- AI-powered cash application and real-time ERP reconciliation
- Evaluation options available depending on the selected plan
Upflow's approach recognizes that aggressive collections tactics can damage valuable B2B relationships. The adaptive learning feature:
- Analyzes each customer's payment patterns
- Optimizes outreach timing automatically
- Improves collection rates while maintaining relationships
6. Gaviti
Gaviti provides collections automation, cash application, and structured workflows for managing outstanding receivables. The platform focuses on AI-driven prioritization for early-stage collections that prevents escalation to external agencies, with omnichannel communication spanning email, phone, SMS, customer portals, and WhatsApp.
B2B companies seeking early-stage collections effectiveness with omnichannel communication capabilities.
Key Features
- Strong positioning in Credit & Collections Software category
- 90% of payments matched before start of day for cash application
- Omnichannel communication: email, phone, SMS, portals, WhatsApp
- Unlimited user pricing model
- AI-written collections communications
Gaviti's focus on early-stage collections addresses a critical gap: recovering payments before they become delinquent. By automating the first 30 to 60 days of follow-up:
- Prevents relationship damage from third-party collections
- Reduces cost escalation
- Improves overall collection rates
7. Billtrust
Billtrust provides B2B invoicing, payments, cash application, and accounts receivable automation for high-volume organizations. With 13 million+ buyers, over $1 trillion invoiced annually, and 260+ AP portal automations, the platform serves manufacturing and distribution companies.
Manufacturing and distribution companies with high transaction volumes requiring both payment network reach and AR automation.
Key Features
- 13M+ buyers and $1T+ invoiced annually
- 260+ AP portal automations for invoice submission
- 95%+ cash application matching rate
- G2 Leader in AR Automation for 16 consecutive quarters
- Agentic AI "Autopilot" for collections
For companies selling to large buyers using AP portals like Coupa or Ariba, Billtrust's 260+ portal integrations eliminate the manual work of submitting and tracking invoices. Its platform uses historical B2B payment data to support automated accounts receivable workflows.
8. Chaser
Chaser provides automated payment reminders and collections workflows for small and mid-market B2B companies. The platform's reminders feel hand-written, using your own email and signature to maintain customer relationships, with documented cases showing DSO reductions from 60 to 24 days and 88 to 64 days.
Small to mid-market B2B companies prioritizing customer relationship preservation with limited AR resources.
Key Features
- Documented DSO reductions in customer cases
- Reminders use your own email and signature
- Credit checking tools integrated with collections
- Simple setup connecting to Xero, QuickBooks, Sage in minutes
- Designed for small to mid-market collections teams
Chaser's approach recognizes that most late payments result from oversight rather than inability to pay. By sending professional, friendly reminders:
- Maintains the personal touch that preserves B2B relationships
- Systematically reduces overdue balances
- Appears to come directly from the seller
9. Kolleno
Kolleno provides an AI-assisted accounts receivable platform with configurable automation levels including Insights, Copilot, and Execution. The platform features transparent, published pricing and task-specific AI agents that allow finance teams to control how much autonomy to grant automation.
Global mid-market teams seeking configurable AI autonomy levels for collections automation.
Key Features
- G2 rating of 4.9/5 with 95% five-star reviews
- Three AI autonomy levels: Insights, Copilot, Execution
- 1,000+ integrations across ERPs, CRMs, banks
- Configurable plans for global mid-market collections teams
- White-labeled customer payment portal
Kolleno's tiered AI autonomy addresses a common concern: how much control to cede to automation. Teams can:
- Start with Insights (AI recommendations, human execution)
- Progress to Copilot (AI drafts, human approval)
- Eventually reach Execution (full automation) as confidence builds
10. Quadient AR (YayPay)
Quadient AR delivers 94% payment behavior prediction accuracy, enabling finance teams to prioritize collections efforts based on actual payment likelihood rather than just aging buckets. The platform reports 34% average DSO reduction and 403% three-year ROI.
Data-driven mid-market finance teams seeking predictive analytics to optimize collections prioritization and resource allocation.
Key Features
- 94% payment behavior prediction accuracy
- 34% average DSO reduction
- CRM-style collections pipeline tracking
- Native Salesforce integration
- Unlimited user licenses included
Traditional collections prioritize by invoice age or amount, but Quadient's predictive analytics identify which customers are actually likely to pay late. This intelligence allows teams:
- Focus efforts where intervention will have the most impact
- Reduce wasted outreach to reliable payers
- Improve resource allocation
Why Resolve Pay Fits B2B Collections
For manufacturers, distributors, wholesalers, and other B2B sellers extending payment terms, collections software is most useful when it connects directly with the broader credit-to-cash workflow. Resolve Pay combines buyer credit decisioning, net terms, accounts receivable automation, payment processing, reconciliation, and collections in one platform.
Resolve Pay's non-recourse financing can accelerate access to funds on eligible approved invoices while reducing exposure to covered buyer credit defaults. Its agentic collections coordinate follow-ups across email, SMS, voice, and the payment portal, with configurable escalation and automatic pauses when payments or disputes are received.
The platform also connects collections with invoicing, payment reconciliation, buyer credit management, and ERP or accounting workflows. Resolve Pay supports integrations across systems including:
- QuickBooks Online
- NetSuite
- Xero
- Sage Intacct
- Major ecommerce platforms
- API options for custom workflows
For B2B sellers that want to reduce manual receivables work while continuing to offer flexible payment terms, Resolve Pay provides a connected approach rather than treating collections as an isolated process. Customer results include:
- Archipelago Lighting tripled revenue after credit decision turnaround fell from 10 business days to 24 hours
- Trenchless Supply reported a 90% reduction in AR workload
- SS&SI Dealer Network achieved 5x revenue growth
For 2026, the most important collections capabilities are not AI features in isolation but how effectively automation supports faster follow-up, accurate reconciliation, customer relationships, and healthier cash flow. Resolve Pay brings those workflows together with credit decisioning and eligible non-recourse financing for B2B sellers managing ongoing net terms.
Frequently Asked Questions
What is AI collections software and how does it work for B2B?
AI collections software automates accounts receivable follow-up using machine learning to determine optimal outreach timing, channels, and messaging. For B2B companies, these platforms handle the entire collections workflow from initial payment reminders through escalation sequences across email, SMS, and voice channels. The AI analyzes payment history, customer behavior patterns, and invoice characteristics to prioritize which accounts need attention. Unlike simple automated reminders, AI collections platforms adapt their approach based on outcomes.
How does AI collections software reduce bad debt and improve cash flow?
AI collections software reduces bad debt through earlier intervention and more effective follow-up. By analyzing payment patterns, these platforms identify at-risk accounts before they become severely delinquent, enabling proactive outreach. Multi-channel automation ensures customers receive reminders through their preferred communication method, improving response rates. For cash flow improvement, Resolve Pay can accelerate access to funds on eligible approved invoices while providing non-recourse protection for covered buyer credit defaults. Combined with automated collections and payment workflows, this can help B2B companies extending net terms create more predictable cash flow.
Can AI collections software integrate with existing ERP and accounting systems?
Yes, leading AI collections platforms offer native integrations with major ERP and accounting systems including NetSuite, QuickBooks, Sage Intacct, Xero, and Microsoft Dynamics. These integrations enable two-way data synchronization, automatically pulling invoice data from your accounting system and pushing payment updates back for reconciliation. The depth of integration varies by platform, with some offering basic data export while others provide comprehensive automation. When evaluating platforms, verify they support your specific systems and understand whether the integration is pre-built or requires custom development.
What are the key benefits of using multi-channel AI for B2B debt collection?
Multi-channel AI collections outperform single-channel approaches by reaching customers through their preferred communication method. Some buyers respond best to email, others to SMS, and some require phone outreach. AI platforms analyze response patterns to determine optimal channel sequencing for each customer, automatically escalating from lower-touch methods like email to higher-touch methods like voice AI calls based on configurable thresholds. This intelligent escalation maintains customer relationships by avoiding unnecessary aggressive tactics while ensuring accounts receive appropriate attention.
Is AI collections software suitable for all B2B industries?
AI collections software is most valuable for B2B companies with recurring invoice volume, extended payment terms, and customer relationships worth preserving. Manufacturing, wholesale distribution, industrial supply, and construction materials companies see particularly strong results due to their net terms models and relationship-dependent sales. When evaluating fit, consider your invoice volume, average transaction size, payment terms offered, and whether preserving customer relationships during collections is important to your business model.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.
