Best Accounts Receivable Management Software in 2026

Over 50% of B2B invoices in the US are overdue, creating significant cash flow challenges for businesses of all sizes. According to Federal Reserve payment systems research, late B2B payments remain one of the most persistent challenges affecting working capital. In 2026, accounts receivable management has evolved beyond simple invoice tracking to intelligent automation that can reduce Days Sales Outstanding by up to 32% while eliminating 80-95% of manual work. Modern AR solutions now integrate seamlessly with your existing tech stack, offer advanced AI capabilities, and provide flexible payment options that enhance customer relationships while accelerating cash flow.

Key Takeaways

• AI automation is now essential - The best AR software in 2026 leverages AI to automate 70-95% of routine tasks, from invoice processing to payment reminders and cash application
• Implementation speed varies dramatically - Enterprise solutions may require 3-6 months, while modern platforms can be deployed in 1-2 weeks
• DSO reduction is measurable - Top solutions deliver 10-20% DSO reduction within the first few months of implementation
• Integration capabilities are critical - The most effective AR platforms seamlessly connect with your existing ERP, accounting, and e-commerce systems
• Specialized solutions exist - Different platforms excel for specific use cases: enterprise operations, SMB accounting, subscription billing, or cash forecasting

1. Resolve - AI-Powered B2B Payments and AR Automation Leader

Resolve's AI-powered Accounts Receivable automation transforms how B2B businesses manage credit, invoicing, and collections through a comprehensive platform that combines AR automation with embedded net terms capabilities. Built by credit experts formerly of Amazon, PayPal, and Fortune 500 firms, Resolve delivers enterprise-grade automation with implementation timelines measured in weeks, not months.

What Makes Resolve Different

Resolve uniquely combines three critical capabilities in a single platform: AI-powered AR automation, immediate invoice advances, and comprehensive credit management. While traditional AR software focuses solely on collections efficiency, Resolve addresses both sides of the cash flow equation—accelerating your receivables while enabling you to offer competitive payment terms that win more business.

The platform's non-recourse financing model means you receive up to 100% advance pay on approved invoices within a day, while Resolve assumes the majority of default risk. This transforms AR from a working capital drain into a competitive advantage.

Core Capabilities

AI-Driven Automation:

• Automated invoice generation and delivery
• Smart payment reminders based on customer behavior
• Instant cash application and reconciliation
• Predictive analytics for DSO optimization

Embedded Net Terms:

• Instant credit decisions powered by proprietary algorithms
• Up to 100% advance pay on approved invoices
• Non-recourse financing with no balance sheet impact
• White-label payment portals that maintain your brand

Seamless Integration:

• Direct integrations with QuickBooks, Xero, and major accounting platforms
• Real-time data synchronization
• Flexible APIs for custom implementations
• One-click reconciliation across systems

Measurable Business Impact

Businesses using Resolve report significant improvements across key metrics:

• Reduced DSO through automated workflows and immediate invoice advances
• Improved win rates by offering competitive net terms
• Enhanced cash flow predictability with advance payments
• Freed finance team capacity to focus on strategic activities
• Strengthened customer relationships through flexible payment options

Implementation and Best For

Resolve serves businesses with $1M+ annual B2B revenue across industries. The platform's flexible implementation accommodates various business models, from wholesale and distribution to manufacturing and B2B e-commerce. Resolve's seamless integrations enable rapid deployment without disrupting existing workflows.

Comprehensive Credit Management

Resolve's Business Credit Check provides instant, data-rich credit decisions that go beyond traditional bureau reports. The platform's credit experts deliver comprehensive analysis that enables confident extension of net terms while minimizing default risk.

For businesses seeking to offer net terms as a competitive advantage, Resolve's B2B Net Terms solution provides the working capital and risk management infrastructure to scale confidently. The platform handles credit assessment, collections, and assumes default risk—allowing you to focus on growth while maintaining healthy cash flow.

2. HighRadius

HighRadius serves over 1,300 customers, including more than 200 from the Forbes Global 2000. Recognized as a Leader in the Gartner Magic Quadrant for three consecutive years, HighRadius delivers comprehensive AI-driven automation across the order-to-cash cycle.

What Makes HighRadius Different

HighRadius deploys specialized AI agents that work across credit management, collections, cash application, and deductions management. Its OCR technology achieves high auto-cash application rates through advanced bank feed integration, while predictive analytics generate DSO forecasts and credit scoring.

Measurable Outcomes

Customers report improvements across key metrics:

• Average 20% DSO reduction
• 30% productivity boost for AR teams
• 34% faster payments
• 30% reduction in bad debt

Enterprise Features

• Comprehensive order-to-cash automation
• Advanced credit scoring and limit management
• AI-powered dispute and deduction management
• Global compliance and multi-currency support
• Integration with major ERPs including SAP, Oracle, and Microsoft

3. Billtrust

Billtrust has established itself as a market leader with an impressive 19 consecutive quarters as a G2 Leader, processing over $1 trillion in transactions annually. As a Challenger in the 2024 Gartner Magic Quadrant for Integrated Invoice-to-Cash, Billtrust delivers end-to-end automation across the order-to-cash cycle.

What Makes Billtrust Different

Billtrust's payment network connects to over 260 AP portals while offering comprehensive automation for credit, collections, and cash application. The platform handles complex B2B payment scenarios with a user-friendly interface.

Key Capabilities 

• AI-powered cash application for faster reconciliation
• Automated credit and collections management
• Multi-channel payment processing (260+ AP portals, ACH, cards)
• Dispute management with full audit trails
• Real-time ERP synchronization

Customer Validation

Users consistently praise Billtrust for simplifying and automating the entire invoicing and payment process, significantly reducing manual tasks while maintaining excellent usability.

Implementation & Pricing

Custom pricing for mid-market to enterprise businesses with 4-8 week implementation timeline. The platform serves companies with complex payment requirements and established B2B relationships.

4. LedgerUp

LedgerUp represents the new generation of AR automation, achieving high automation rates with deployment times as short as 1-2 weeks. Backed by Y Combinator (S24 batch), LedgerUp specifically targets B2B SaaS companies seeking maximum automation.

What Makes LedgerUp Different

LedgerUp's AI assistant "Ari" automates AR tasks from contract-to-cash, while its dual-interface approach provides both a comprehensive dashboard and full Slack integration. This allows finance teams to manage their entire AR workflow directly from their preferred communication platform.

Automation Capabilities

• High end-to-end automation for standard Stripe + QuickBooks setups
• Contract-to-cash automation from signed deals
• AI-powered payment reminders and collections
• Automated reconciliation and cash application
• Real-time DSO monitoring and cash flow visibility

Customer Results

Users report saving significant time monthly while achieving DSO reduction. The platform's modern architecture enables rapid deployment.

5. Versapay

Versapay pioneered the collaborative accounts receivable model, focusing on enhancing customer relationships while streamlining collections. The platform serves environments with frequent invoice disputes and complex B2B payment requirements.

What Makes Versapay Different

Versapay's customer portal enables buyers to view invoices, make payments, and resolve disputes directly through a self-service interface. This collaborative approach reduces email back-and-forth while improving customer satisfaction.

Key Features

• Self-service customer portals for viewing and paying invoices
• Automated dispute management with complete audit trails
• Real-time ERP synchronization (NetSuite, Sage, Oracle, SAP)
• Comprehensive B2B payment options (ACH, virtual cards, credit cards with Level III data)
• Collections workflow automation

Best For

Mid-market to enterprise businesses with complex customer relationships and frequent invoice disputes. The platform's emphasis on customer experience makes it suitable for companies prioritizing relationship management alongside collections efficiency.

6. BILL

BILL serves over 400,000 customers with its integrated AP/AR platform. BILL offers accessible AR automation for small businesses.

What Makes BILL Different

BILL combines accounts payable and receivable management in a single platform, with real-time synchronization to QuickBooks, Xero, and Sage. The platform's simplicity enables setup in just 1-2 days, making it accessible to businesses without dedicated finance teams.

Key Benefits

• Significant reduction in manual data entry
• Faster payment processing
• Auto-invoicing with direct ACH and credit card deposits
• Mobile app for on-the-go payment tracking
• Seamless accounting integration

SMB Focus

BILL's strength lies in its accessibility and ease of use, making AR automation available to businesses that previously relied on manual processes or basic accounting software.

7. Invoiced

Invoiced specializes in B2B-focused AR automation with emphasis on security, verification, and subscription billing. Invoiced offers mid-market businesses a secure platform for managing recurring revenue.

What Makes Invoiced Different

Invoiced maintains a verified business network that reduces fraud risk by ensuring counterparties are legitimate businesses. The platform excels at subscription billing with auto-cycling invoices and comprehensive security protocols.

Key Features

• Verified business counterparty network for fraud prevention
• Subscription billing with auto-cycling invoices
• CashMatch AI for payment-invoice matching
• Multi-channel payment reminders
• Self-service customer portal

Proven Results

Customer implementations have shown significant improvements in DSO performance and subscription billing efficiency.

8. Gaviti

Gaviti focuses on analytics-driven collections management, helping finance teams prioritize their efforts based on AI-powered insights. Starting around $499/month, Gaviti provides collections intelligence for mid-market businesses.

What Makes Gaviti Different

Gaviti's AI-powered account scoring helps teams focus on accounts most likely to pay, while machine learning forecasts payment behavior to optimize collection strategies. The platform achieves high automation rates while maintaining human oversight for complex cases.

Key Capabilities

• AI-powered account scoring to prioritize collections
• Machine learning payment predictions
• Deduction management tools for accurate accounting
• Comprehensive analytics dashboards
• Self-service portal with autopay functionality

Performance Metrics

Users report significant improvements in collection efficiency with highly flexible workflows that adapt to different business requirements.

9. QuickBooks Online

QuickBooks Online remains the most widely used SMB accounting platform, with built-in AR management capabilities that serve millions of businesses worldwide. QuickBooks offers familiar AR functionality within a comprehensive accounting environment.

What Makes QuickBooks Different

QuickBooks' market presence and extensive ecosystem make it a default choice for many small businesses. The platform integrates AR management with full accounting functionality, eliminating the need for separate specialized tools for basic requirements.

Core Features

• Built-in AR management within familiar accounting environment
• Automated invoicing with customizable reminders
• Extensive community support and learning resources
• Vast app marketplace for additional functionality
• Real-time financial reporting and cash flow visibility

SMB Advantage

For businesses seeking an all-in-one solution, QuickBooks provides AR basics within comprehensive accounting capabilities.

10. Tesorio

Tesorio positions accounts receivable as a strategic cash intelligence tool, with particular focus on predictive cash flow forecasting and liquidity planning. The platform serves mid-market to enterprise finance teams seeking strategic insights.

What Makes Tesorio Different

Tesorio's predictive analytics analyze payment patterns to generate cash flow forecasts, helping finance teams make strategic decisions about working capital and liquidity management. The platform transforms AR from a collections function to a strategic cash intelligence capability.

Key Capabilities

• Predictive cash flow forecasting
• Automated collections workflows
• Real-time AR dashboards
• AI-powered payment pattern analysis
• Strategic liquidity planning tools

Proven Results

Customer case studies demonstrate DSO reduction and increased cash collections within six months. Organizations report significant time savings in cash flow forecast preparation.

11. Upflow

Upflow emphasizes financial relationship management, with particular strength in European markets and multi-currency support. The platform offers a free tier for startups, making it accessible to businesses at all stages.

What Makes Upflow Different

Upflow's financial relationship management approach prioritizes customer experience alongside collections efficiency. The platform's European strength makes it suitable for businesses with international operations, while the free tier provides accessible entry for startups.

Key Features

• Real-time cash flow tracking and DSO monitoring
• Automated, personalized collection reminders
• Self-service payment portal with Stripe infrastructure
• Multi-currency support
• Free tier for basic functionality

Customer Success

Customer implementations have demonstrated significant DSO improvements and cost savings through automation of collection actions.

12. Xero

Xero offers a cloud-native accounting platform with AR capabilities, particularly strong for international SMBs requiring multi-currency support. 

What Makes Xero Different

Xero's cloud-first design provides multi-currency and global compliance capabilities for businesses with international operations. The platform's clean interface and real-time collaboration features enhance adoption and daily use.

Core Capabilities

• Purpose-built cloud accounting platform
• Real-time invoice tracking and automatic reminders
• Seamless payment reconciliation
• Strong multi-currency and global compliance
• Clean financial overview dashboard

International Strength

Xero powers millions of businesses globally, with strong market presence in the UK, Australia, and New Zealand. The platform's international focus serves businesses with cross-border operations.

13. FreshBooks

FreshBooks targets freelancers and solo service businesses with simple AR capabilities. The platform's mobile-first approach and user-friendly interface serve non-accountants managing their own billing.

What Makes FreshBooks Different

FreshBooks offers accessible AR functionality designed specifically for service-based businesses and freelancers who need straightforward billing without complex accounting features. The platform's mobile apps enable on-the-go management for busy professionals.

Key Features

• User-friendly cloud-based interface designed for non-accountants
• Intelligent invoicing with automated payment reminders
• Strong mobile apps for iOS and Android
• Basic automation capabilities
• Faster payment processing

Service Business Focus

FreshBooks serves consultants, agencies, and solo professionals who need straightforward invoicing and payment tracking.

Transform Your AR Operations with Resolve

The accounts receivable landscape in 2026 demands more than traditional collections software. According to U.S. Chamber of Commerce research on B2B payment trends, businesses that combine AR automation with flexible payment terms achieve superior cash flow outcomes while strengthening customer relationships.

While the platforms reviewed above each offer valuable capabilities for specific use cases, Resolve's comprehensive approach uniquely addresses the full spectrum of B2B payment challenges. By combining AI-powered automation with embedded net terms and non-recourse financing, Resolve transforms accounts receivable from an administrative burden into a strategic growth enabler.

Why Leading B2B Businesses Choose Resolve

Immediate Cash Flow Impact: Unlike traditional AR software that simply speeds collections, Resolve provides up to 100% advance pay on approved invoices. This means you receive payment within a day while your customers enjoy extended payment terms—transforming working capital constraints into competitive advantages.

Enterprise-Grade Credit Expertise: Resolve's credit team—built by experts from Amazon, PayPal, and Fortune 500 companies—delivers instant, data-rich credit decisions that go beyond traditional bureau reports. This sophisticated risk assessment enables confident extension of net terms while minimizing default exposure.

Seamless Integration: Resolve's integration platform connects directly with QuickBooks, Xero, and major accounting systems for real-time data synchronization. One-click reconciliation eliminates manual data entry while maintaining complete visibility across your financial systems.

White-Label Customer Experience: Resolve's branded payment portals maintain your customer relationships while providing flexible payment options including ACH, credit cards, wire transfers, and checks. Your customers experience your brand throughout the payment journey while you benefit from Resolve's infrastructure and risk management.

Industry-Specific Solutions

Resolve serves diverse B2B sectors with tailored approaches:

• E-commerce: Net terms for online B2B sales integrated directly into checkout flows
• Wholesale & Distribution: Credit lines for buyers with immediate payment for sellers
• Manufacturing: Extended payment terms that support large order volumes
• B2B Services: Flexible billing that accommodates project-based work

Complete B2B Payment Platform

Beyond AR automation, Resolve offers a comprehensive suite of B2B payment solutions:

• For Sellers: Get paid immediately while offering competitive net terms
• For Buyers: Access credit lines with 0% interest for 30-60 days
• B2B Payments Platform: Multi-channel payment processing with complete automation

For businesses ready to move beyond traditional AR software and transform their entire B2B payment operations, Resolve delivers the automation, working capital, and credit expertise needed to scale confidently in 2026 and beyond.

Frequently Asked Questions

What is accounts receivable management software and why do I need it in 2026?

Accounts receivable management software automates the process of invoicing customers, tracking payments, and managing collections. Research from the Bureau of Labor Statistics on business cash flow indicates that over 50% of B2B invoices remain overdue in the US. In 2026, AR software is essential for maintaining healthy cash flow and reducing the significant manual work typically associated with collections. Modern solutions leverage AI to predict payment behavior, automate reminders, and accelerate cash application.

How does AI improve accounts receivable processes for B2B businesses?

AI enhances AR processes by automating routine tasks like invoice processing, payment matching, and reminder scheduling while providing predictive insights about customer payment behavior. Advanced platforms deploy specialized AI agents that can achieve high auto-cash application rates, while newer solutions reach automation rates above 90%. This reduces Days Sales Outstanding by 10-20% while freeing finance teams to focus on strategic activities.

Can accounts receivable software integrate with my existing ERP and accounting systems?

Yes, modern AR platforms are designed for seamless integration with existing systems. Solutions offer real-time synchronization with major ERPs including NetSuite, Sage, Oracle, and SAP. SMB platforms integrate with popular accounting systems like QuickBooks and Xero. Resolve's integration platform offers flexible APIs and direct plug-ins for seamless data flow with your existing tech stack.

How does offering net terms with a solution like Resolve impact my business's cash flow?

Offering net terms through Resolve actually improves your cash flow by providing immediate payment on approved invoices while your customers get 30-60 days to pay. Resolve advances up to 100% on invoices from approved customers, meaning you get paid within a day instead of waiting 30, 60, or 90 days. This non-recourse financing means Resolve handles credit assessment, collections, and assumes the majority of default risk—allowing you to focus on growth while maintaining healthy cash flow.

What are the key benefits of using a white-label payment portal for B2B transactions? 

White-label payment portals maintain your brand identity throughout the payment experience, strengthening customer relationships while providing multiple payment options including ACH, credit card, wire, and check. These portals reduce friction in the payment process while offering flexibility in fee structures. Resolve's white-label portals allow you to own the customer relationship while outsourcing the complex credit and collections processes, providing professional payment experiences that reinforce your brand at every touchpoint.

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.