Os 10 Melhores Softwares de Automatização de Contas a Receber para 2026

Visão geral do melhor software de automatização de contas a receber

1. 

   1

   Melio

   Best for flexible payment options

   • Free plan available; 90-day free trial
   • From $25/month

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   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For businesses looking to enhance invoicing and payment processes, Melio provides a solution that automates tasks such as sending invoices and tracking payments. This tool is particularly beneficial for finance teams eager to improve financial visibility and reduce days sales outstanding. With its flexible payment options and integrations with QuickBooks and Xero, Melio offers a reliable way to optimize your accounts receivable operations.

   Why I Picked Melio

   I picked Melio because it excels in offering flexible payment options that are crucial for automating accounts receivable processes. You can manage payments through various methods, such as using credit cards even when vendors only accept bank transfers or checks, which significantly aids in cash flow management. The platform also integrates seamlessly with QuickBooks, allowing for automated payment synchronization that enhances financial oversight. This flexibility not only improves operations but also aids in managing cash flow, making Melio a reliable tool for businesses aiming to optimize their accounts receivable tasks.

   Melio Key Features

   In addition to its flexible payment options, Melio offers several features that enhance accounts receivable automation for your business:

   • Automated Payment Processing: Melio streamlines your payment workflows by automatically processing transactions, reducing manual intervention.
   • Fraud Detection: Integrated fraud detection mechanisms help secure your financial transactions, keeping your business safe from potential threats.
   • Customizable Payment Notifications: You can tailor payment reminders and notifications to suit your specific business needs, ensuring timely communication with clients.
   • Easy Invoice Creation: The platform simplifies the invoicing process, allowing you to create and send professional invoices effortlessly.

   Melio Integrations

   Integrations include QuickBooks Online, QuickBooks Desktop, Xero, and Melio also offers an API for custom integrations.

   Pros and Cons

   Pros:

   • Offers deferred payment options
   • Automated bill capture
   • ACH bank transfers are completely free to send

   Cons:

   • International payments limitations
   • Occasional payment delays with ACH transfers
   Learn more about Melio:

   • Check out Melio on their website
   • Read my in-depth review of Melio
   • Explore best alternatives to Melio
2. 

   2

   Upflow

   Best for AI-driven cash collection

   • Free plan + free demo available
   • Pricing upon request

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   Customer Rating:4.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Upflow is designed for finance leaders and teams seeking to enhance their accounts receivable automation processes. By offering features like cash collection, payment facilitation, and cash application automation, it helps businesses streamline their payment cycles and improve customer relationships.

   Why I Picked Upflow

   I picked Upflow because of its focus on transforming cash collection through AI-driven autonomous processes. For those of you managing accounts receivable, the platform's ability to automate cash application and provide real-time analytics is crucial. These features not only help in reducing manual tasks but also in improving the overall cash flow management. The integration with ERP systems like NetSuite and QuickBooks further supports seamless operations for your finance team.

   Upflow Key Features

   In addition to its core functionalities, Upflow offers these features that can greatly benefit your team:

   • Live Dashboards: Offers real-time insights into financial metrics, enabling you to make informed decisions quickly.
   • Financial Forecasting: Provides predictive analytics to help you anticipate cash flow needs and challenges.
   • Diverse Payment Methods: Supports multiple payment options, making it easier for your customers to pay on time.
   • Enterprise-Grade Security: Ensures that all your financial data is protected with top-tier security measures.

   Upflow Integrations

   Integrations include NetSuite, QuickBooks, Xero, and an API for custom integrations.

   Pros and Cons

   Pros:

   • Supports multiple payment methods for customer convenience.
   • Real-time dashboards offer clear visibility into cash flow.
   • Automated workflows reduce manual invoice processing time.

   Cons:

   • Customized invoice fields from some ERPs may not map cleanly into Upflow.
   • Lack of a mobile application limits on-the-go access.
   Learn more about Upflow:

   • Check out Upflow on their website
3. 

   3

   EBizCharge

   Best for B2B businesses

   • Not available
   • Pricing upon request

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   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

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   EBizCharge is a platform that helps B2B businesses get paid faster by automating payments and syncing them with their ERP or accounting systems. It supports credit card and eCheck payments across email, web, mobile, and in-person channels.

   Why I picked EBizCharge: I picked EBizCharge because it helps automate key accounts receivable tasks like invoice creation, editing, and payment collection. You can sync invoices with your accounting system and let customers pay through online portals or emailed links. It supports recurring billing, auto-pay, and saved payment methods to reduce manual work. Payments are even automatically reconciled, cutting down on errors. 

   EBizCharge Standout Features and Integrations:

   Standout features include customer profile management, email pay, sales order preauthorization, filtered data views, transaction history access, CSV export, secure tokenization, and PCI compliance.

   Integrations include Acumatica, QuickBooks Desktop, QuickBooks Online, NetSuite, Microsoft Dynamics, Magento, BigCommerce, Salesforce, Zoho CRM, WooCommerce, Volusion, and Shopify.

   Pros and Cons

   Pros:

   • Integrates well with accounting platforms
   • Easy invoice payment for customers via portals
   • Secure card data storage with tokenization

   Cons:

   • Initial setup can be time-consuming
   • Limited language support
   Learn more about EBizCharge:

   • Check out EBizCharge on their website
4. 

   4

   Square Invoices

   Best for digital invoices and payments

   • Free plan + free trial available
   • From $49/month

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   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Square Invoices is designed to help businesses automate their accounts receivable processes. It offers tools to manage payments, orders, and cash flow, making it an essential asset for financial management.

   Why I Picked Square Invoices: I picked Square Invoices because it lets you send digital invoices and accept multiple payment methods, like credit cards and digital wallets. This means you can offer convenient payment options to your customers whether they're paying in person or online. Plus, the automated billing and payment reminders mean you won't have to manually check on outstanding invoices.

   Another reason is its customization capabilities. You can brand your invoices and set flexible payment schedules, which helps maintain your business identity while accommodating your clients' needs. Square Invoices also offers data-driven insights for cash flow management, so you can make informed decisions about your finances.

   Square Invoices Standout Features and Integrations:

   Features include editable templates for contracts and e-signature capabilities, making it easier to get agreements signed and returned. The platform also supports automated discounts and taxes, saving you time when creating invoices. In addition, Square Invoices lets you track project progress and organize project details in one place, which helps manage your workload more effectively.

   Integrations include QuickBooks Online, Xero, Wix, WooCommerce, Printful, SKU IQ, Zoho Invoice, Táve, ZipBooks, and other popular accounting and e-commerce platforms that enhance operational efficiency and customer management capabilities.

   Pros and Cons

   Pros:

   • Reminders for unpaid invoices
   • Supports various payment methods
   • Ability to track paid and unpaid invoices in real-time

   Cons:

   • Requires a stable internet connection
   • Invoicing options lack customization features
   Learn more about Square Invoices:

   • Check out Square Invoices on their website
   • Read my in-depth review of Square Invoices
5. 

   5

   BlackLine

   Best for credit and risk management

   • Free demo available
   • Pricing upon request

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   Customer Rating:4.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   BlackLine is a unified cloud accounting platform for mid-sized to large firms. It’s designed to help finance and accounting teams focus on higher-value activities by streamlining (and automating) as many manual processes as possible—and by providing excellent forecasting and analytics tools.

   BlackLine automates many key components of the AR process, from invoicing and payment matching to past-due collections and dispute management.

   Why I picked BlackLine: I selected BlackLine primarily because of its risk management and credit risk analysis tools. BlackLine uses unified customer data to help teams gauge credit risk in real-time.

   BlackLine Standout Features and Integrations:

   Standout features of BlackLine include real-time risk profiling to help firms use existing data to gauge credit risk (and set credit terms). It also features automated collections management, instant payment/invoice matching, and enhanced AR intelligence tools.

   Integrations include other BlackLine products along with ERP systems from NetSuite, SAP, Oracle, Microsoft Dynamics, and more.

   Pros and Cons

   Pros:

   • Efficient internal communication tools and customer interaction protocols
   • Advanced tools to assess credit risk, set credit terms, and manage disputes and deductions
   • Excellent analytics and AR intelligence insights

   Cons:

   • Opaque pricing
   • Overkill for smaller firms
   Learn more about BlackLine:

   • Check out BlackLine on their website
   • Read my in-depth review of BlackLine
6. 

   6

   Xero

   Best for simple invoicing

   • 1-month free trial available
   • From $27/month

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Xero is a cloud-based accounting platform that combines AR, AP, bookkeeping, and more. It targets the small business and contractor crowd, offering a relatively simple solution to meet the needs of smaller businesses.

   Why I picked Xero: I selected Xero because it’s super simple to use for invoicing, automated invoicing, and integrated payments. Xero’s mobile app is also useful, particularly for its receipt capture feature.

   Xero Standout Features and Integrations:

   Standout features of Xero include simple integration with payment processors, automated invoicing, and basic accounting functionality.

   Integrations include Gusto, Stripe, HubSpot, Shopify, MailChimp, and more.

   Pros and Cons

   Pros:

   • Integrated payments
   • Mobile app
   • Budget-friendly

   Cons:

   • Limited reporting features
   • ACH payment fees
   Learn more about Xero:

   • Check out Xero on their website
   • Explore best alternatives to Xero
7. 

   7

   Zoho Books

   Best for simple integrations

   • Free plan + 14-day trial + demo available
   • From $20/month

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   Customer Rating:4.3/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Zoho Books is a cloud-based accounting platform that handles invoicing, AP, bookkeeping, inventory management, and more. It’s designed to be an all-in-one platform and competes with the likes of QuickBooks and Sage Intacct. With that said, its jack-of-all-trades approach means that it lacks some of the advanced AR automation features offered by some of the other tools on this list.

   Why I picked Zoho Books: I picked Zoho Books primarily because of its user-friendliness, both in the software’s UI and in its ease of use for integrating with third-party apps and tools.

   Zoho Books Standout Features and Integrations:

   Standout features include customizable reminders and customer communications, inventory management tools, simplified vendor and customer portals, and more.

   Integrations include payment gateways (PayPal, Stripe, etc.), internal Zoho apps, document software, and over 500 other apps via Zapier.

   Pros and Cons

   Pros:

   • Transparent and affordable pricing
   • All-in-one cloud accounting platform
   • Easy to use and integrate with other apps

   Cons:

   • Not suited for large firms
   • Lacks native integrations with ERP systems
   Learn more about Zoho Books:

   • Check out Zoho Books on their website
   • Read my in-depth review of Zoho Books
   • Explore best alternatives to Zoho Books
8. 

   8

   Sage Intacct

   Best for built-in compliance support

   • Free demo available
   • From £1,200/month

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   Customer Rating:4.3/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Sage Intacct is a financial management and accounting platform that’s built into the Sage software suite. It’s designed for firms that have outgrown tools like QuickBooks and require a more advanced accounting platform.

   Sage is also built to scale. Innovative features like multiple entity consolidation allow rapidly evolving firms to continue adapting and responding to market changes, while automated accounting processes can cut close time by up to 79% (according to Sage’s own internal survey data).

   Why I picked Sage Intacct: I selected Sage Intacct because it’s a full-featured accounting platform with great automation features and because it has built-in accounting standards and compliance support, including protocols for GAAP, ASC 606, and IFRS 15.

   Sage Intacct Standout Features and Integrations:

   Standout features of Sage Intacct include in-built accounting standards and compliance features, which may make it easier for firms to raise capital on global markets. Sage Intacct is also known for excellent analytics and reporting dashboards, with over 200 prebuilt data visualizations.

   Integrations include other Sage software solutions, plus Blackline, Planful, Vena, Gusto, Cube, and more.

   Pros and Cons

   Pros:

   • Built to scale
   • Ample integrations with existing tools
   • Exceptional data visualization and reporting

   Cons:

   • Moderate to high learning curve
   Learn more about Sage Intacct:

   • Check out Sage Intacct on their website
   • Read my in-depth review of Sage Intacct
   • Explore best alternatives to Sage Intacct
9. 

   9

   Billtrust

   Best for automating credit decisions

   • Free demo available
   • Pricing upon request

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Billtrust is an accounts receivable automation software that’s designed to help firms future-proof B2B transactions and billing systems. It offers unique solutions for businesses large and small and includes integrated payments and credit application features.

   Why I picked Billtrust: I selected Billtrust primarily because it has excellent tools to help integrate credit applications and customizable billing structures directly into invoices. The software allows users to set rules and guidelines to guide credit decisions and approve or deny client applications automatically.

   Billtrust Standout Features and Integrations:

   Standout features of Billtrust include integrated payments, integrated credit applications and auto-decisioning, and a suite of optional add-on services to expand functionality and support AR teams.

   Integrations include QuickBooks, Sage, SAP, Oracle, Epicor, Microsoft Dynamics, and more.

   Pros and Cons

   Pros:

   • Optional managed services expand functionality
   • Integrated credit applications and decisioning
   • 100% focused on AR automation

   Cons:

   • Steep learning curve
   Learn more about Billtrust:

   • Check out Billtrust on their website
   • Read my in-depth review of Billtrust
10. 

    10

    SoftLedger

    Best for custom billing

    • Free demo available
    • Pricing upon request

    Visit Website

    Customer Rating:4.6/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

    

    SoftLedger is a comprehensive cloud accounting platform that has custom solutions for a wide variety of business sizes. It’s a jack-of-all-trades accounting software that covers all the bases. It offers integrated bank and credit card feeds, automated invoicing, and custom invoice formatting.

    Why I picked SoftLedger: I selected SoftLedger because it supports custom invoicing and billing metrics. For firms that bill customers based on usage or custom metrics, SoftLedger makes it easier to convert these into billable line items for more accurate invoicing.

    SoftLedger Standout Features and Integrations:

    Standout features of SoftLedger include custom billing metrics that are well-suited to usage-based billing and other custom metrics. SoftLedger also supports crypto accounting (and crypto payments) in the AR process.

    Integrations include Stripe, Plaid, and most financial institutions through an Open Banking API.

    Pros and Cons

    Pros:

    • Headless accounting API for custom development
    • Supports cryptocurrency and blockchain asset bookkeeping
    • Scalable

    Cons:

    • Opaque pricing
    • Limited automation features
    Learn more about SoftLedger:

    • Check out SoftLedger on their website
    • Read my in-depth review of SoftLedger