Best B2B Collections Software in 2026

Many B2B invoices become overdue due to payment delays, locking up working capital that could fuel growth. For finance teams drowning in manual follow-ups and spreadsheet reconciliation, the right collections software can cut DSO by 15-33 days while reclaiming 40+ hours monthly. The B2B collections software market is projected to reach approximately $11.3 billion by 2034 as companies shift from reactive chasing to AI-powered automation that predicts payment behavior and prevents delinquency before it happens. We analyzed 20+ AR and collections platforms based on automation depth, integration quality, implementation speed, and documented customer outcomes to identify the 12 best solutions for 2026. Our top pick, Resolve Pay, uniquely combines non-recourse financing that pays you in 1-2 days with full AR automation that eliminates credit risk entirely—ideal for B2B ecommerce and distribution companies offering net terms.

Key Takeaways

• Resolve Pay stands out as the only platform combining non-recourse financing (get paid in 1-2 days) with full AR automation and complete credit risk elimination—ideal for B2B ecommerce and distribution companies
• LedgerUp delivers 90-95% automation depth for B2B SaaS companies with complex subscription billing through AI-native contract intelligence
• HighRadius leads the enterprise segment with 1,100+ customers and 200+ Global 2000 organizations (vendor-reported), offering broad invoice-to-cash automation at global scale
• Tesorio combines cash flow forecasting with collections, delivering 33-day average DSO reduction for CFOs needing liquidity visibility
• Chaser excels in the mid-market with relationship-preserving automation that maintains customer goodwill while reducing DSO by 50+ days
• Implementation timelines vary dramatically: modern SaaS platforms deploy in 1-2 weeks while enterprise solutions require 8-12+ weeks
• Industry specialization matters significantly—B2B ecommerce benefits from financing models while SaaS companies need contract intelligence capabilities

1. Resolve Pay - Non-Recourse Financing + Full AR Automation

Resolve Pay has transformed B2B collections by combining non-recourse financing with AI-powered accounts receivable automation. Resolve pays you up to 100% of invoice value within 1-2 business days while taking on all credit risk, providing immediate cash flow while your customers enjoy their preferred payment terms.

What Makes Resolve Pay Different

Resolve's platform serves as your "credit team on tap," handling everything from credit underwriting to collections management. The non-recourse model means you keep your advance regardless of customer payment outcome—eliminating bad debt risk entirely. For B2B sellers offering net terms, this solves the fundamental cash flow vs. sales growth dilemma.

Key Strengths

• 100% Non-Recourse Financing - All cash advances are non-recourse so what you get is always yours to keep
• 1-2 Day Payment - Get paid in 1 day instead of 60 while customers retain their net terms
• AI-Powered Collections - Automated payment reminders and collections workflows reduce manual follow-up by 50%

Customer Results

Resolve has helped businesses across industries achieve significant growth: Archipelago tripled their revenue, SSSI achieved 5x revenue growth, and Shields won new business by offering Net 90 terms powered by Resolve's risk-free model.

Best For: B2B ecommerce, distribution, and wholesale companies with $1M+ annual revenue who want to offer net terms without cash flow strain or credit risk

Standout Feature: The only platform combining immediate cash advances with full AR automation and credit risk elimination

Official Website: resolvepay.com Implementation: 1-2 weeks Integration: Shopify, BigCommerce, WooCommerce, Magento, QuickBooks, Oracle, NetSuite

2. LedgerUp

LedgerUp delivers high automation depth (90-95%) for B2B SaaS companies managing complex subscription billing. Their AI-native platform reads signed contracts directly from DocuSign and PandaDoc to extract billing terms automatically.

Key Strengths

• 90-95% Automation Depth - Industry-leading automation vs standard 60-75%
• Contract Intelligence - AI reads contracts to extract payment terms, ramps, and discounts
• Slack-Native Workflows - Major AR platform with native Slack approvals

Customer Results: Gather eliminated 200 duplicate invoices and automated collections within one month, reclaiming 80+ hours monthly for their finance team.

Best For: B2B SaaS companies ($5M-$100M ARR) with complex subscription + usage billing models

Standout Feature: AI assistant "Ari" provides autonomous contract-to-cash management via Slack

Official Website: ledgerup.ai Implementation: 1-2 weeks (fastest in the industry) 

3. HighRadius

HighRadius serves the enterprise AR automation market with 1,100+ customers and 200+ Global 2000 organizations (vendor-reported), including brands like 3M, Unilever, and Bristol-Myers Squibb. Their Autonomous Finance Platform provides comprehensive automation across credit, collections, cash application, and deductions management.

Key Strengths

• Gartner Magic Quadrant Leader - Highest for Execution, furthest for Vision (3 consecutive years)
• 16+ AI Agents - Comprehensive coverage across credit, collections, cash application, and deductions
• Global Scale - Handles $18.9 trillion in transactions annually across 135+ currencies

Customer Results: Danone achieved $25.5M annual deduction recovery, 25-day DDO reduction, and 75% productivity increase.

Best For: Global enterprises with multi-entity operations and high transaction volumes

Standout Feature: Integration with 35+ credit agencies and 20+ AP portals for comprehensive risk management

Official Website: highradius.com Rating: 4.3/5 on G2 (229 reviews) Implementation: 8-12 weeks

4. Tesorio

Tesorio delivers cash flow forecasting combined with AI-powered collections, making it ideal for CFOs who need liquidity visibility alongside receivables management. Their platform builds per-customer predictive models using machine learning.

Key Strengths

• 33-Day Average DSO Reduction - Customers report average 33-day DSO improvement
• Real-Time Cash Visibility - Treasury-grade cash forecasting with AR automation
• Predictive Analytics - Machine learning builds individual payment prediction models

Best For: Mid-market to enterprise finance teams prioritizing cash flow forecasting + collections optimization

Standout Feature: Unified cash visibility dashboard combining AR automation with treasury-grade forecasting

Official Website: tesorio.com Implementation: 4-6 weeks 

5. Chaser

Chaser delivers exceptional mid-market value with relationship-preserving automation. Their platform sends multi-channel reminders that feel hand-written from your email using your signature.

Key Strengths

• Highly Rated - Praised for ease of use and effectiveness on Capterra with overwhelmingly positive user reviews
• Rapid DSO Reduction - Cases show 60 to 24 days, 88 to 64 days; average 54+ day improvement
• Brand Voice Matching - Reminders feel personalized rather than automated

Customer Results: "Very happy from the start... reducing our debtor days from 60 to approx 24 in a matter of months," reports Ravi, Mid-Market Finance Director.

Best For: Mid-market companies ($10M-$100M revenue) seeking balance of automation and customer relationship preservation

Standout Feature: Customers often thank you and apologize for delays instead of feeling aggressively pursued

Official Website: chaserhq.com Implementation: 2-3 weeks

6. Billtrust

Billtrust combines 25 years of market presence with newest AI innovations, serving 494,000 business customers. Their recently announced Billtrust Autopilot agentic AI assistant leverages quarter-century B2B payment pattern data.

Key Strengths

• G2 Leader - Named AR Automation Grid Leader for 16 consecutive quarters
• Manufacturing/Distribution Focus - Purpose-built for traditional invoice businesses vs SaaS
• Extensive B2B Payments Network - Large network for customer payment flexibility

Best For: Traditional manufacturing and distribution enterprises with complex invoice presentment needs

Standout Feature: Agentic AI leverages 25 years of transaction data for intelligent automation

Official Website: billtrust.com Rating: 4.4/5 on G2 (514 reviews) Implementation: 6-12 weeks

7. Versapay

Versapay excels for organizations where invoice disputes are common and customer collaboration improves payment outcomes. Their shared portals connect finance teams with buyers for real-time communication.

Key Strengths

• Collaboration-First Approach - Shared portals for invoice access and dispute submission
• Stripe Infrastructure - Built on Stripe for payment processing reliability
• 34-Day DSO Achievement - OVRSEA achieved 34-day average DSO with best month at 27 days

Customer Results: OVRSEA automated 70% of collection actions and achieved €70K annual savings.

Best For: B2B companies with frequent disputes and complex buyer relationships

Standout Feature: Real-time communication between AR teams and customers through shared portals

Official Website: versapay.com Implementation: 4-6 weeks 

8. Gaviti

Gaviti ranks as #1 Credit & Collections Software on G2, focusing on early-stage collections that prevent escalation to external agencies. Their AI pilot provides autonomous credit recommendations.

Key Strengths

• #1 G2 Ranking - Ranked as #1 Credit & Collections Software on G2
• Early-Stage Focus - Prevents escalation to external agencies by recovering before delinquency
• Omnichannel Communication - Email, phone, SMS, customer portals, WhatsApp support

Best For: Mid-market organizations wanting AI-driven prioritization for early-stage collections

Standout Feature: AI-driven prioritization helps recover invoices before they become chronic debt

Official Website: gaviti.com Implementation: Standard timeline 

9. Upflow

Upflow positions itself as a Financial Relationship Management (FRM) platform rather than traditional debt collection software. Their approach emphasizes sales-finance collaboration and relationship preservation.

Key Strengths

• Financial Relationship Management - Focuses on relationship preservation vs aggressive collection
• AI Assistants - Handle repetitive tasks like updating contacts and cash application

Best For: Growing B2B companies where maintaining customer relationships during collections is paramount

Standout Feature: Sales-finance collaboration tools improve cross-functional alignment on customer accounts

Official Website: upflow.io Rating: 4.8/5 on G2 (228 reviews) Implementation: Standard timeline

10. Invoiced

Invoiced delivers strong mid-market value with transparent pricing and fast deployment. Their Invoiced Business Network accelerates B2B payments through specialized payment infrastructure.

Key Strengths

• Fast Deployment - 2-3 week implementation timeline
• B2B Payment Network - Specialized network to speed B2B payments

Best For: B2B companies with complex invoicing needs and multi-channel payment acceptance

Standout Feature: Makes paying invoices as simple as possible through customer payment experience focus

Official Website: invoiced.com Implementation: 2-3 weeks 

11. Quadient AR (YayPay)

Quadient AR combines predictive analytics with customizable workflows, ideal for mid-market teams wanting data-driven collections optimization. Their machine learning algorithms predict payment behavior.

Key Strengths

• Predictive Analytics - ML algorithms predict payment behavior and trends
• CRM-Style Visibility - Collections pipeline tracking similar to sales CRM
• Native Salesforce Integration - Deep CRM connectivity for sales-aligned collections

Best For: Mid-market organizations seeking predictive analytics and customizable workflows

Standout Feature: CRM-style collections pipeline provides visibility similar to sales opportunity tracking

Official Website: quadient.com Implementation: 4-6 weeks 

12. BlackLine

BlackLine provides enterprise-grade AR automation integrated with market-leading financial close and reconciliation. Organizations using BlackLine for close/reconciliation can extend into AR seamlessly.

Key Strengths

• IDC MarketScape Leader - Comprehensive unified platform and real-time data sharing capabilities
• Financial Close Integration - Extends existing close/reconciliation workflows into AR
• Connected Modular Platform - Eliminates silos between finance teams

Best For: Large enterprises that need sophisticated reconciliation and financial close capabilities alongside AR

Standout Feature: Unified platform speeds up processes and eliminates double work across finance operations

Official Website: blackline.com Implementation: 8+ weeks 

Making Your Choice: Essential Considerations

Industry Specialization Matters: B2B ecommerce and distribution companies benefit most from Resolve Pay's non-recourse financing model, while B2B SaaS companies with complex billing need LedgerUp's contract intelligence. Traditional manufacturing enterprises may prefer Billtrust's established platform.

Cash Flow vs. Collections Focus: Companies needing immediate cash flow should prioritize Resolve Pay's 1-2 day payment model, while those with adequate cash reserves can focus on pure AR automation platforms like Chaser or Versapay.

Implementation Speed Requirements: Modern SaaS platforms like Resolve Pay and LedgerUp deploy in 1-2 weeks, while enterprise solutions like HighRadius require 8-12 weeks. Consider your urgency when making selection.

Integration Needs: Ensure your chosen platform integrates with your existing stack. Resolve Pay offers flexible APIs for integration with QuickBooks, Shopify, BigCommerce, Magento, WooCommerce, Oracle, NetSuite, Xero, and Sage Intacct.

Transform Your B2B Collections with Resolve Pay

For B2B companies struggling with the cash flow challenges of offering net terms, Resolve Pay represents a fundamental shift in how collections and financing work together. Rather than choosing between sales growth and cash flow stability, Resolve Pay enables both simultaneously through its non-recourse financing model.

The platform's unique approach eliminates the traditional tradeoffs in B2B collections. You get paid within 1-2 business days while your customers retain their preferred payment terms. The non-recourse structure means bad debt risk transfers entirely to Resolve—if a customer doesn't pay, you keep your advance. This combination of immediate cash flow, zero credit risk, and full AR automation makes Resolve Pay particularly valuable for:

• B2B ecommerce businesses scaling rapidly and needing working capital to fund inventory
• Distribution companies with large invoices and extended payment terms
• Wholesale operations balancing competitive net terms with cash flow requirements

Resolve Pay's platform integrates directly with your existing e-commerce and accounting systems, automating credit decisions in real time and handling all collections workflows. The result is a complete solution that accelerates growth, eliminates financial risk, and frees your team to focus on strategic priorities rather than payment follow-ups.

Frequently Asked Questions

What is B2B collections software and how does it differ from B2C?

B2B collections software automates accounts receivable workflows for business-to-business transactions, which typically involve larger invoice amounts, net payment terms (30-90 days), and more complex approval processes. Unlike B2C collections that focus on individual consumers, B2B software must handle multi-level approvals, invoice disputes, and relationship preservation. Resolve Pay's platform is specifically designed for B2B complexity, offering net terms management and embedded payments.

How can AI improve the efficiency of my B2B collections process?

AI-powered collections software can lead to significant DSO reductions, with some industry reports showing an average of 32%—potentially equivalent to getting paid 19 days faster—by automating more than half of AR workflows. AI agents handle payment reminders, predict payment behavior, and prioritize high-risk accounts for manual follow-up. Resolve Pay uses AI agents to manage workflows and automate payment reminders, reducing friction in collections while maintaining customer relationships.

What are the benefits of offering net terms through a third-party platform?

Offering net terms through a third-party platform like Resolve Pay allows you to increase customer purchasing power and drive sales growth while eliminating credit risk. Resolve underwrites your customers in real time and advances up to 100% of your invoice value within 24 hours. This means you get paid immediately while your customers retain their 30-60 day payment terms. The platform handles credit assessment, collections, and the majority risk of late payments or defaults, allowing you to offer Net Terms and Grow Your Revenue without cash flow strain.

How long does it take to implement B2B collections software?

Implementation timelines vary significantly based on platform complexity and company size. Modern cloud-based solutions like Resolve Pay and LedgerUp typically deploy in 1-2 weeks, offering rapid time-to-value with minimal IT resources required. Mid-market platforms like Chaser and Invoiced average 2-4 weeks. Enterprise solutions such as HighRadius and BlackLine require 8-12+ weeks due to complex integrations, data migration, and customization needs. Consider your urgency and internal resources when evaluating options.

What integrations should I look for in collections software?

Essential integrations include your accounting system (QuickBooks, NetSuite, Xero, Sage Intacct), e-commerce platform (Shopify, BigCommerce, WooCommerce, Magento), ERP (Oracle, SAP), and CRM (Salesforce, HubSpot). Resolve Pay offers comprehensive integration options that connect with major platforms, enabling seamless data flow between systems. Look for APIs that support real-time synchronization, automated invoice creation, and payment reconciliation to minimize manual data entry and ensure accuracy across your financial stack.

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.