Best Dunning Management Software for B2B Invoices (2027)

Overdue B2B invoices can disrupt cash flow, increase collections workloads, and strain customer relationships, making effective dunning management important for manufacturers, distributors, and wholesalers. Unlike consumer subscription billing that focuses on card retry logic, B2B invoice dunning requires managing complex payment terms, handling customer disputes, and preserving long-term business relationships. The right dunning software automates payment reminders, tracks promise-to-pay commitments, and escalates appropriately without damaging valuable customer partnerships.

For B2B sellers looking to combine dunning automation with cash flow acceleration, Resolve Pay's agentic collections platform offers a comprehensive solution that handles everything from automated follow-ups to non-recourse invoice financing for eligible approved invoices.

Key Takeaways

• B2B invoice dunning differs fundamentally from subscription card retries, requiring software that handles payment disputes, purchase order issues, and relationship-aware communication rather than simple automated retry logic
• AI-powered dunning platforms now offer two-way conversational capabilities that read customer responses, extract payment promises, and adapt follow-up sequences based on buyer behavior and history
• Non-recourse financing combined with dunning automation allows sellers to accelerate cash flow by receiving advances on eligible approved invoices while the platform manages collections and provides protection against covered buyer credit defaults
• Enterprise dunning platforms like HighRadius and Billtrust process high transaction volumes, offering predictive delinquency scoring and GenAI-drafted correspondence for large-scale operations
• Mid-market solutions provide streamlined implementation with configurable dunning workflows, making sophisticated AR automation accessible to growing B2B companies
• Integration with ERP and accounting systems is essential, as real-time data sync ensures dunning triggers are based on current AR aging rather than stale information

1. Resolve Pay: Non-Recourse Financing with Automated Collections

Resolve Pay offers B2B sellers a unique approach to dunning management by combining automated collections with non-recourse invoice financing. Rather than simply sending payment reminders, Resolve advances funds on eligible approved invoices while handling the entire collections process, allowing manufacturers and distributors to maintain healthy cash flow without the typical 30-90 day wait.

Best For

Manufacturers and distributors want to offer net terms without credit risk while automating the entire credit-to-cash lifecycle.

Key Features

• Non-recourse financing providing protection against covered buyer credit defaults on eligible approved financed invoices
• AI-powered credit engine with sub-24 hour approvals evaluating thousands of buyer data points
• Multi-channel agentic collections using email, SMS, and voice AI with intelligent escalation
• Two-way ERP sync with automatic payment reconciliation for NetSuite, QuickBooks, Xero, and Sage Intacct
• White-labeled payment portal accepting ACH, wire, credit card, and check payments
• Automated sequences that pause when payment or dispute is received

B2B Relevance

Resolve's platform directly addresses the core challenge B2B sellers face: offering competitive net terms (Net 30/60/90) without straining cash flow or taking on credit risk. The platform advances funds on eligible approved invoices while buyers pay on their standard terms. This is particularly valuable for distributors and manufacturers where extended payment cycles are expected but cash flow management is critical.

The automated collections component preserves customer relationships with a professional tone, contrasting with aggressive traditional factoring tactics. Resolve's agentic approach handles the nuance of B2B collections where most payment delays are operational (stuck approvals, missing PO numbers, disputed line items) rather than unwillingness to pay.

Customer Validation

ConEquip, a construction equipment company using Resolve, achieved 30% year-over-year growth, while Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours. Trenchless Supply has highlighted how Resolve Pay simplifies its customers' payment experience. Separately, VI reported reducing its team's integration-related workload by at least 90% through an automated two-way integration with Resolve Pay.

Resolve Pay combines net terms financing with dunning automation, helping eligible B2B sellers access funds sooner while managing receivables and offering flexible payment terms.

2. Gaviti

Gaviti provides highly configurable dunning automation centered around a plain-language workflow builder that generates automation logic from written descriptions. This approach makes sophisticated AR automation accessible to finance teams without requiring technical expertise or dedicated IT resources.

Ideal For

Mid-market B2B companies needing customizable dunning workflows without technical implementation complexity.

Key Features

• Plain-language workflow builder that creates automation from natural descriptions
• ACH payment portal for customer payments
• ERP-agnostic integration including proprietary and homegrown systems
• Predictive analytics flagging accounts at risk of write-off
• Automated multi-step dunning cadences with unlimited users

B2B Relevance

Gaviti's workflow builder allows finance teams to describe their ideal dunning process in plain English and have the system generate the corresponding automation. This removes the barrier of technical configuration that often prevents mid-market companies from implementing sophisticated AR automation. The platform supports complex dunning sequences with different escalation paths based on customer segments, payment history, and risk scores.

The ERP-agnostic approach is particularly valuable for B2B companies using industry-specific or legacy systems that larger platforms may not support out of the box.

3. HighRadius

HighRadius provides enterprise AR automation for large organizations managing high transaction volumes, including customers such as L'Oréal, Keurig, and Red Bull. Their dedicated Touchless Dunning Correspondence product uses Smart Send Technology and GenAI to draft personalized collection messages at scale.

Ideal For

Large enterprises with high transaction volumes requiring predictive analytics and deep ERP integration.

Key Features

• GenAI-drafted dunning templates with over 100 customizable options
• ML-based cash application that auto-matches payments to invoices
• Predictive delinquency scoring approximately 30 days in advance
• 50+ ERP integrations including SAP, Oracle, and NetSuite
• 186 Agentic AI agents targeting high automation rates

B2B Relevance

HighRadius's predictive capabilities allow enterprise AR teams to identify at-risk accounts before they become seriously delinquent. The platform's ML-powered cash application achieves high match rates, reducing the manual reconciliation burden that plagues high-volume B2B operations where remittance information is often incomplete or inconsistent.

The platform's scale is validated by real-world results: one case reduced past-due notice volume from 3,000 printed letters monthly to near-zero digital communications.

4. Lunos AI

Lunos AI provides conversational AI capabilities for B2B accounts receivable, including automated follow-ups and customer response handling. The platform reads and interprets customer replies, understands payment promises, identifies disputes, and adapts follow-ups based on context and relationship history.

Ideal For

B2B companies prioritizing customer relationships who need AI that handles nuanced conversations, not just automated reminders.

Key Features

• Two-way conversational AI that reads and interprets customer responses
• Three autonomy modes (Monitor, Suggest, Act) configurable per customer
• Slack-native approvals and daily summaries
• Payment promise extraction and automatic follow-up enforcement
• Flexible commercial arrangements based on business requirements

B2B Relevance

Traditional dunning tools send reminder emails but cannot handle the responses. When a customer replies with "I need to check with procurement" or "There's a dispute on line item 3," most platforms require manual intervention. Lunos AI processes these responses automatically, understanding the context and adjusting its approach accordingly.

This conversational capability is essential for B2B relationships where payment delays often stem from operational issues rather than unwillingness to pay. The platform's ability to capture promise-to-pay commitments and automatically follow up when those dates pass addresses a major gap in traditional dunning automation.

5. Billtrust

Billtrust processes over $1 trillion annually and has earned 19 consecutive quarters as a G2 Leader in credit and collections. Their Agentic Procedures feature moves beyond static reminder schedules to behavior-based personalization that segments customers by risk automatically.

Ideal For

Enterprise B2B companies need behavior-driven dunning that adapts to customer payment patterns.

Key Features

• Agentic Procedures for behavior-driven dunning cadences
• Trained on 13 million buyers and $1 trillion in transactions
• Email Responder that drafts responses in the collector's voice
• Adaptive strategy recommendations collectors can accept, reject, or customize
• Combined dunning with credit management, invoicing, and cash application

B2B Relevance

Billtrust's Agentic Procedures analyze customer behavior patterns to determine optimal contact timing and messaging. Rather than applying the same Day 7/Day 14/Day 21 sequence to all customers, the system adjusts based on payment history, communication preferences, and risk indicators. This intelligence is built on data from 13 million buyers, providing pattern recognition that individual companies could never develop internally.

The Email Responder feature maintains consistency in collector communications while reducing the time spent drafting individual responses, particularly valuable for high-volume AR teams managing thousands of accounts.

6. Upflow

Upflow is built specifically for B2B finance teams rather than adapted from subscription billing or enterprise ERP modules. The platform combines AI-drafted outreach with human review, providing automation while maintaining the personal touch that B2B relationships require.

Ideal For

Growth-stage B2B companies wanting purpose-built AR automation with strong customer satisfaction ratings.

Key Features

• AI-drafted outreach tailored per customer, reviewed by humans before sending
• Real-time DSO, CEI, and aging balance dashboards
• SOC 2 Type II certified security
• Integrations with Stripe, QuickBooks, Xero, Chargebee, HubSpot, and Salesforce
• B2B-native workflows, not adapted from subscription billing

B2B Relevance

Upflow's human-in-the-loop approach to AI communication addresses a common concern with fully automated dunning: the risk of sending inappropriate messages to key accounts. The platform drafts personalized communications but keeps humans in control of the final send decision, particularly important for high-value customer relationships in industries like electrical supply and manufacturing.

The platform's B2B-native design means features are built for invoice-based workflows rather than retrofitted from subscription billing. This includes support for partial payments, payment plans, and the complex remittance scenarios common in B2B.

7. Tesorio

Tesorio differentiates by connecting dunning directly to cash flow forecasting, using ML to predict invoice-level payment dates and feed that intelligence into liquidity planning. This connection between collections and treasury makes the platform particularly valuable for finance teams managing cash positions alongside AR.

Ideal For

Finance teams needing dunning automation integrated with cash flow forecasting, especially NetSuite users.

Key Features

• Collections Agent that drafts personalized emails and extracts payment promises
• ML-based payment date prediction feeding cash flow forecasts
• 95%+ auto-match rate for cash application
• Certified NetSuite partner with deep integration
• Published results: DSO reduction and collections efficiency improvements

B2B Relevance

Most dunning platforms treat collections as isolated from treasury management. Tesorio's approach recognizes that AR directly impacts cash position and builds that connection into the platform. When the system predicts that a large invoice will pay later than the stated terms, that intelligence flows into cash forecasting automatically.

For B2B companies managing working capital tightly, this integration eliminates the disconnect between what AR expects and what treasury plans for, a common source of cash flow surprises in manufacturing and distribution.

8. Chaser

Chaser specializes in core dunning functionality for small-to-medium businesses, providing automated payment reminders, collections workflows, and customer communication tools.

Ideal For

SMB and lower mid-market B2B companies needing straightforward dunning automation.

Key Features

• Tiered plans supporting different business requirements
• Multi-channel reminders via email, SMS, and phone
• Automated payment plans for installment management
• Integration with Xero, QuickBooks, Sage, and Dynamics 365 BC
• AI debtor risk scoring

B2B Relevance

Many growing B2B companies need to move beyond manual collections while keeping implementation manageable. Chaser provides automated reminders, payment tracking, and collections workflows designed for smaller finance teams.

The payment plan automation is particularly useful for B2B companies working with customers who need to spread payments over time but don't want to manage those arrangements manually.

9. Invoiced

Invoiced offers dedicated B2B AR automation with streamlined implementation timelines compared to larger platforms. Now part of Flywire following a 2024 acquisition, Invoiced operates within Flywire's broader payments business.

Ideal For

B2B companies need multi-channel dunning with rapid implementation and global payment support.

Key Features

• Multi-channel dunning via email, letter, and text-to-pay
• Client payment portal supporting card and ACH
• Streamlined implementation process
• Access to international payment capabilities through Flywire, subject to product and market availability
• Post-Flywire acquisition: enhanced cross-border collection capabilities

B2B Relevance

For B2B companies that cannot afford extended implementation timelines, Invoiced offers enterprise-class features with faster deployment. The multi-channel approach ensures customers receive reminders through their preferred communication method, improving response rates compared to email-only systems.

Flywire's global payment network supports more than 140 currencies across over 240 countries and territories, although availability through specific invoiced workflows may vary. This is valuable for B2B companies with global customer bases requiring cross-border collection support.

10. Quadient AR (YayPay)

Quadient AR, formerly YayPay, provides AR automation that surfaces directly inside Salesforce CRM records. For organizations where Salesforce is the center of customer relationship management, this native integration ensures collections activity is visible to everyone who interacts with the account.

Ideal For

Salesforce-centric B2B organizations wanting collections visibility integrated into CRM workflows.

Key Features

• Configurable trigger and escalation rules in Salesforce
• AI-powered payment prediction
• Promise-to-pay tracking
• DSO reduction capabilities documented across customer base
• Strong presence in regulated industries: healthcare, insurance, utilities

B2B Relevance

For B2B companies running on Salesforce, disconnected AR tools create information silos. Sales reps may not know about collections issues when speaking with customers, and finance teams lack context about relationship dynamics. Quadient AR's native integration eliminates this gap by making collections status visible within the CRM records that sales and account management already use.

The platform's strength in regulated industries demonstrates its ability to handle compliance requirements that many B2B companies face.

Why Resolve Pay Is Built for B2B Dunning Management

Effective B2B dunning requires more than automated payment reminders. Manufacturers, distributors, and wholesalers need collections workflows that support customer relationships, accurate payment tracking, and predictable cash flow.

Resolve Pay brings AI-powered collections, credit management, invoice financing, and payment reconciliation into a connected platform designed for B2B sellers.

Key Capabilities:

• Automated multi-channel outreach across email, SMS, and voice channels manages overdue invoices, captures payment commitments, and escalates issues when necessary
• Intelligent sequences pause when payments or disputes are received, helping finance teams avoid unnecessary follow-ups and maintain positive customer relationships
• Non-recourse financing provides protection against covered buyer credit defaults on eligible approved financed invoices, allowing sellers to offer competitive net terms while reducing bad debt exposure
• Two-way ERP integration connects invoice information, payment status, and reconciliation workflows to reduce manual AR administration

Through ERP integrations, Resolve Pay synchronizes with NetSuite, QuickBooks, Xero, and Sage Intacct to ensure dunning activities reflect current account status. Integration capabilities depend on the connected system and implementation configuration.

For manufacturers, distributors, and wholesalers, Resolve Pay combines automated collections with flexible net terms and non-recourse advances on eligible approved invoices. This approach helps businesses improve cash flow, reduce receivables workloads, and maintain strong customer relationships. Research from the Federal Reserve Banks shows that cash flow management is a major financial challenge for small businesses, particularly when collecting payments from customers who pay on terms.

Frequently Asked Questions

What is dunning management software and how does it differ for B2B versus subscription businesses?

Dunning management software automates the process of following up on overdue invoices through payment reminders, escalation sequences, and collections workflows. B2B dunning differs significantly from subscription billing because it must handle invoice-based payments, purchase order disputes, partial payments, and complex approval chains rather than simple card retry logic. B2B systems need to manage relationship dynamics where payment delays often stem from operational issues like stuck approvals or missing documentation rather than inability to pay.

How does non-recourse financing work alongside dunning automation?

Non-recourse financing allows sellers to receive advances on eligible approved invoices while the financing provider assumes credit risk and handles collections. With Resolve Pay, eligible sellers can receive non-recourse advances on approved invoices, typically within 24-48 hours. Advance amounts depend on the approved transaction and applicable program terms. If an approved buyer defaults, the seller is generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.

What features should B2B companies prioritize when evaluating dunning software?

B2B companies should prioritize two-way communication capabilities, ERP integration depth, and customer segmentation. Two-way AI that reads customer responses and adapts follow-up sequences handles the reality that most B2B payment delays require conversation rather than repeated reminders. Deep ERP integration ensures dunning triggers are based on real-time AR aging. Customer segmentation allows different treatment for different account types. Additionally, evaluate whether the platform handles promise-to-pay tracking and automatic follow-up enforcement.

How long does dunning software implementation typically take?

Implementation timelines vary across the category. Enterprise platforms typically require several months for full deployment given their integration depth and customization requirements. Mid-market solutions often offer faster timelines, with some platforms launching in weeks. Resolve Pay supports streamlined onboarding, with implementation timelines depending on ERP integrations, account setup, and the complexity of the required collections workflows. The key factors affecting timeline are ERP integration complexity, data migration requirements, and workflow customization needs.

Can dunning software integrate with my existing accounting or ERP system?

Modern dunning platforms offer native integrations with major accounting and ERP systems including QuickBooks, Xero, NetSuite, Sage Intacct, SAP, and Microsoft Dynamics. The depth of integration varies significantly: some platforms offer basic data export while others provide comprehensive two-way sync with automated reconciliation. Two-way sync is essential because it automatically updates invoice status when payments arrive, eliminating manual reconciliation. Before selecting a platform, verify that integration with your specific system is available.

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.