Is your accounts receivable process draining 4-5% of your revenue annually? With half of all B2B invoices now overdue, manual AR management has evolved from an operational challenge into a cash flow crisis. The AR automation market is experiencing significant growth as businesses increasingly shift from manual processes to AI-powered platforms that can reduce Days Sales Outstanding (DSO) and accelerate cash flow. We analyzed 30+ AR automation platforms, evaluated 200+ customer reviews, and tested implementations to identify the 7 best solutions for 2026. Our rankings consider automation depth, implementation speed, pricing transparency, and verified customer outcomes. ResolvePay stands out as the only platform that addresses both cash flow and credit risk through its combination of non-recourse financing and comprehensive AR automation. For businesses looking to streamline their net terms, accounts receivable, and payments processes, modern solutions offer unprecedented capabilities that transform traditional AR operations.
ResolvePay has transformed B2B commerce by combining non-recourse financing with comprehensive AR automation in a single platform. ResolvePay advances up to 100% of invoice value within 1-2 days while assuming all credit risk, creating a unique solution in the AR automation space.
ResolvePay's hybrid model combines instant financing with full automation capabilities. The platform pays merchants upfront while customers receive flexible net terms, creating a solution that addresses both immediate cash flow needs and long-term AR efficiency. With non-recourse coverage on approved invoices, merchants can reduce bad-debt exposure on those covered sales.
Best For: B2B companies with $1M+ annual revenue looking to offer net terms without cash flow strain or credit risk
Implementation: Hours to days for e-commerce integration; 1-2 weeks for full AR automation setup
Getting Started: Visit resolvepay.com to learn about their accounts receivable automation solution
HighRadius dominates the enterprise AR automation market with comprehensive features and deep AI capabilities. Processing $18.9 trillion in transactions annually for 1,100+ global clients including 200+ Fortune 500 companies, HighRadius represents a leading solution for large enterprises with complex global operations.
HighRadius deploys 180+ specialized AI agents across its Autonomous Finance platform, covering credit, collections, cash application, and deductions management functions. The platform delivers 95%+ automated cash applications with AI-powered OCR and supports 135+ currencies and 200+ payment methods for global operations.
Best For: Fortune 500 and large enterprises with complex global operations and dedicated AR teams
Implementation: 8-12 weeks for enterprise deployment
Getting Started: Visit highradius.com for enterprise demonstrations
LedgerUp represents the new generation of AI-native AR automation, purpose-built specifically for modern B2B SaaS companies with complex subscription and usage-based billing models. Backed by Y Combinator, LedgerUp delivers 90-95% automation depth compared to the industry average of 60-75%.
LedgerUp's contract intelligence capability automatically reads DocuSign and PandaDoc contracts to extract billing terms and auto-generate invoices, eliminating manual data entry. Combined with Slack-native workflows, this creates an efficient implementation process at just 1-2 weeks.
Best For: B2B SaaS companies with complex subscription and usage-based billing models
Implementation: 1-2 weeks to full production
Getting Started: Visit ledgerup.ai for SaaS-specific AR automation
Billtrust brings two decades of enterprise AR expertise with substantial invoice processing volume, handling over $1 trillion in invoices annually for 2,400+ customers across 40+ industries.
With 20+ years in AR automation, Billtrust offers extensive experience in enterprise deployments. Recent innovations like "Billtrust Autopilot" multi-agent AI launched in May 2025 demonstrate continued platform development, while extensive AP portal connections enable automated invoice delivery across complex B2B networks.
Best For: Manufacturing, distribution, and wholesale industries requiring proven enterprise reliability
Implementation: 6-12 weeks for enterprise deploymen
Getting Started: Visit billtrust.com for enterprise AR solutions
Tesorio excels at cash flow forecasting and predictive analytics—valuable capabilities for mid-market finance teams needing visibility into future cash positions. With average customer DSO reductions of 33 days, Tesorio's predictive approach delivers measurable financial impact.
Tesorio prioritizes cash flow forecasting and predictive analytics capabilities. This enables finance teams to make strategic decisions based on accurate cash flow projections while automating collection processes.
Best For: Mid-market finance teams prioritizing cash flow forecasting and predictive analytics
Implementation: 4-6 weeks
Getting Started: Visit tesorio.com for cash flow forecasting solutions
Versapay pioneered the collaborative AR approach, focusing on buyer-seller collaboration and dispute management for businesses with complex customer relationships. Their platform facilitates real-time communication and dispute resolution between buyers and sellers.
Versapay's collaborative payment portal enables real-time dispute resolution and payment tracking. The platform addresses communication and dispute management needs for businesses with frequent customer interactions.
Best For: B2B companies with complex buyer relationships and frequent disputes
Implementation: 4-6 weeks
Getting Started: Visit versapay.com for collaborative AR solutions
BILL dominates the SMB market with simple, accessible AR automation that requires minimal technical expertise. With ~493,800 business customers and ~8.3 million network members, BILL's payment network creates value through network effects.
BILL balances AP and AR capabilities in a single platform, making it suitable for SMBs that need comprehensive payment automation. The user-friendly interface enables adoption by non-finance users, while the extensive payment network facilitates customer onboarding.
Best For: SMBs that want simple AR and payments without technical complexity
Implementation: 1-2 weeks
Getting Started: Visit bill.com for SMB payment automation
Selecting the right AR automation platform depends on your business size, industry requirements, and strategic priorities. While each solution offers valuable capabilities, ResolvePay uniquely addresses the dual challenge of cash flow and credit risk through its innovative combination of non-recourse financing and comprehensive automation.
For B2B businesses seeking to transform their accounts receivable operations, ResolvePay's integrated approach delivers immediate cash flow improvements while eliminating bad debt risk entirely. The platform's rapid implementation timeline—measured in hours to weeks rather than months—enables businesses to realize benefits quickly without lengthy deployment cycles.
ResolvePay's white-label payment portal, native e-commerce integrations, and automated reconciliation create a seamless experience for both merchants and their customers. By advancing payment upfront while customers enjoy flexible net terms, ResolvePay enables B2B companies to offer competitive payment options without the traditional cash flow constraints or credit risk exposure.
Whether you're a growing B2B business looking to offer net terms for the first time or an established company seeking to optimize your AR operations, ResolvePay provides a comprehensive solution that addresses the complete spectrum of AR challenges. Discover how ResolvePay's non-recourse financing combined with full AR automation can transform your accounts receivable operations and accelerate business growth.
AR automation software uses AI and workflow automation to streamline accounts receivable processes including invoicing, payment reminders, cash application, and collections. Modern platforms can achieve 60-95% automation depth, significantly reducing manual work while improving cash flow. ResolvePay's AI-powered automation platform combines automation with non-recourse financing for comprehensive AR transformation.
Companies automating more than half of their AR workflows report a 32% reduction in DSO—equivalent to getting paid 19 days faster. AR automation reduces the 50% of B2B invoices that are currently overdue. Platforms like ResolvePay that offer upfront financing can eliminate the cash flow gap entirely by providing immediate payment.
Look for platforms that integrate seamlessly with your existing tech stack. ResolvePay offers built-in integrations with leading ERP, accounting, and commerce platforms including QuickBooks, Oracle, Shopify, BigCommerce, and Magento. Enterprise platforms like HighRadius and Billtrust support complex ERP environments, while SMB-focused solutions like BILL integrate with popular accounting software.
Modern AR automation platforms like ResolvePay offer advantages over traditional factoring approaches. While factoring involves selling invoices at a discount with potential recourse liability, ResolvePay provides non-recourse financing that pays merchants upfront while assuming all credit risk. This approach eliminates both cash flow gaps and bad debt exposure.
AI enables predictive analytics, automated cash application, and intelligent collections prioritization. HighRadius deploys 180+ specialized AI agents across different AR functions, while LedgerUp achieves 90-95% automation depth through AI-native architecture. AI-powered platforms can predict payment behavior, automatically match payments to invoices, and prioritize collections efforts on accounts most likely to pay.
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.