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AR automation software for small businesses: the options compared

By The AR Agent team · · 7 min read

AR automation software takes over the repeat work in accounts receivable: sending reminders, following up overdue invoices, matching payments and reporting on who owes what. Some focus on chasing invoices for small businesses on QuickBooks or Xero. Others are full platforms for finance teams on an ERP.

We make The AR Agent, one of the tools on this page, so weigh what we say about it accordingly. Every claim about another product comes from that company's own website, opened on 27 October 2026 and listed under Sources.

What should you look for in AR automation software?

Before comparing names, settle three questions.

  1. Which accounting system do you use? QuickBooks and Xero are widely supported. NetSuite, Sage Intacct and Microsoft Dynamics narrow the field differently.
  2. Which job takes the time? For most small businesses it is collections follow-up. For larger teams it is often cash application or credit. Our accounts receivable automation guide walks through what to automate first.
  3. What happens after the first reminder? Replies, promised dates and disputes are where the work is. See our guide to collections software for questions to ask.

For the wider category, see our guide to accounts receivable software for small businesses.

The options

Chaser

Chaser describes itself as software to automate receivables and forecast cash flow. Its site lists email payment reminders, SMS reminders, automated phone calls and letters. It names integrations including QuickBooks Online, Xero, Sage, NetSuite, Microsoft Dynamics 365 Business Central and SAP. Fits best when you want multi-channel reminder schedules across a wide range of accounting systems.

Paidnice

Paidnice describes itself as accounts receivable automation for Xero and QuickBooks. Its site describes reminders before, on and after the due date by email, text or WhatsApp, late fees or interest as payment terms allow, and payment plans. It says nothing runs until you approve the policies. Fits best when you are on Xero or QuickBooks and want policy-driven reminders and late fees.

Upflow

Upflow describes itself as an accounts receivable platform for B2B finance teams, with modules for collections, payments, cash application and insights. Its site names integrations with NetSuite, Sage Intacct, QuickBooks Online and Xero, plus billing and CRM tools. Fits best when a finance team wants collections, payments and cash application in one place.

Kolleno

Kolleno describes itself as an order-to-cash platform with AI agents for collections and reconciliation. Its site lists collections management, online payments, cash application, disputes, credit risk and forecasting, and names NetSuite, QuickBooks, Microsoft Dynamics, Xero and Sage among its integrations. Fits best when you want collections and reconciliation handled together.

Gaviti

Gaviti describes itself as an invoice-to-cash platform for finance and AR teams. Its site lists automated collections workflows, cash application, and credit checks, and says it works with any ERP. Fits best when an AR team wants workflow-based collections alongside cash application and credit.

Tesorio

Tesorio sells AI agents for order-to-cash, covering invoice delivery, collections, payments, cash application and forecasting. Its site names NetSuite, Sage Intacct, QuickBooks and Workday, and addresses controllers and CFOs. Fits best when a B2B finance team wants agents across the whole order-to-cash process. See our Tesorio alternatives page for more.

Versapay

Versapay describes itself as an accounts receivable platform that automates the invoice-to-cash process. Its site lists invoicing with a customer portal, B2B payments, cash application and collections, with native integrations for NetSuite, Sage Intacct and Microsoft Dynamics 365. Fits best for manufacturers, distributors and others on those ERPs who want invoicing, payments and collections connected.

Billtrust

Billtrust describes itself as a cash generation platform for B2B suppliers. Its site lists invoice delivery to AP portals, payments, cash application, AI-prioritized collections, and credit approval and monitoring, with connectors to ERPs and banks. Fits best for suppliers with large invoice volumes and many buyer payment portals.

HighRadius

HighRadius describes itself as an AI platform for the office of the CFO, covering order-to-cash, accounts payable, close and treasury. It covers credit, cash application, collections and deductions, with integrations for SAP, Oracle, Microsoft Dynamics and NetSuite. Fits best for mid-sized and large finance organizations that want one platform across many processes.

The AR Agent

The AR Agent is an AI agent that chases overdue invoices by email from the due dates in QuickBooks or Xero, through Gmail or Outlook. It reads replies, tracks promises to pay, flags blockers, and brings disputes and decisions that need judgement to a person. Fits best when a small business has no dedicated credit controller and the follow-up after reminders is what takes the time.

How do the options compare?

Tool Main focus Accounting systems named on its site Built for
Chaser Multi-channel reminders and receivables QuickBooks Online, Xero, Sage, NetSuite, Dynamics 365 BC, SAP and others Businesses and their accountants
Paidnice Reminder policies, late fees, payment plans Xero, QuickBooks Businesses and bookkeepers
Upflow Collections, payments, cash application NetSuite, Sage Intacct, QuickBooks Online, Xero B2B finance teams
Kolleno Order-to-cash with AI agents NetSuite, QuickBooks, Dynamics, Xero, Sage CFOs and credit controllers
Gaviti Collections workflows, cash application, credit Any ERP, per its site Finance and AR teams
Tesorio Order-to-cash AI agents NetSuite, Sage Intacct, QuickBooks, Workday Controllers and CFOs
Versapay Invoicing, payments, cash application, collections NetSuite, Sage Intacct, Dynamics 365 Manufacturers, distributors, services
Billtrust Invoicing, payments, cash application, credit ERP connectors, not named on its home page B2B suppliers
HighRadius Order-to-cash and wider finance processes SAP, Oracle, Dynamics, NetSuite Mid-sized and large finance teams
The AR Agent Collections follow-up by email with human oversight QuickBooks, Xero Small businesses without a credit controller

Frequently asked questions

Do I need AR automation software if I use QuickBooks or Xero?

Not always. Both send scheduled invoice reminders. If you have few late payers and someone has time to answer replies, that may be enough. Dedicated software earns its place when replies, promised dates and follow-up start to pile up, or when payment matching takes hours.

Which AR automation software works with QuickBooks?

Among the tools on this page, Chaser, Paidnice, Upflow, Kolleno, Tesorio and The AR Agent name QuickBooks on their own sites. Check whether a tool supports QuickBooks Online, Desktop or both, and how often it syncs.

Which AR automation software works with Xero?

Among the tools on this page, Chaser, Paidnice, Upflow, Kolleno and The AR Agent name Xero on their own sites. Ask how each one learns that a payment has been recorded, so reminders stop on time.

What is the difference between AR automation software and dunning software?

Dunning software sends a sequence of reminders that becomes firmer over time. AR automation software is the wider category and can include payments, cash application, credit and reporting. See our comparison of dunning software for tools focused on that step.

How The AR Agent handles this

The AR Agent automates the collections part of accounts receivable. It reads due dates from QuickBooks or Xero and chases overdue invoices by email from Gmail or Outlook. When a customer replies, it works out what they mean. A payment date becomes a tracked promise, followed up if missed. A missing PO or wrong contact is identified as a blocker. A dispute pauses chasing and goes to a person. Decisions that need judgement come to a human, and every email and action is kept in one history.

Talk to us: our AI agent chases your invoices until you are paid.

Sources

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