23 Best Accounts Receivable Automation Software Reviewed For 2025

Centime is a comprehensive financial management tool that offers advanced solutions to streamline and enhance the accounts receivable process for businesses. Automate your accounts receivable and accounts payable and monitor your cashflow all in one platform.

Why I picked Centime: I chose Centime for accounts receivable automation because it provides a robust solution that enhances collections effectiveness, reduces overdue payments, and leverages AI to predict cash inflows and payment delays. This tool is particularly beneficial for businesses looking to optimize working capital and understand future cash flows for overall financial health.

Centime Standout Features and Integrations:

Standout features include accounts receivable automation, cash flow forecasting, working capital credit solutions, KPI tracking, and more.

Integrations include NetSuite, QuickBooks, and Sage Intacct.

Puzzle.io is a modern accounting platform built for startups and small businesses. Its primary focus is using artificial intelligence (AI) to automate key financial workflows, with accounts receivable (AR) automation offered as part of its broader financial operations toolset.

Why I picked Puzzle.io: I included Puzzle.io because its built-in accrual automation and AI-powered bookkeeping reduce the manual work involved in managing accounts receivable. It connects with payment processors like Stripe to sync invoices, apply revenue recognition rules, and automate reconciliations without spreadsheets. You get real-time visibility into cash flow as invoices are issued and payments come in, with AR aging reports available for Stripe invoices to track outstanding balances. By automating invoice management and payment tracking, it can help you stay ahead on collections and customer accounts.

Puzzle.io Standout Features and Integrations

Standout features include variance analysis tools that help you flag and review unexpected revenue variances, dashboards with cash runway metrics for more informed financial planning, and expense breakdown views that show where cash is being used across the business. Together, these features give you a clearer picture of how AR fits into your broader financial health.

Integrations include Ramp, Brex, Stripe, Rippling, Mercury, Every, Gusto, Deel, Central, Bill.com, Runway, and Causal.

Melio is a payment platform designed to simplify the process of paying and getting paid for businesses. It allows users to pay vendors, suppliers, and any business bills, as well as send invoices and receive payments online. 

Why I picked Melio: Melio offers flexible payment options, allowing customers to pay via credit card or ACH bank transfer, instant transfer, and mail cheques. This flexibility can lead to faster payment cycles and improved cash flow for businesses. The platform also offers a personalized payment page link, enabling businesses to add their unique link to business cards, email signatures, or websites, making it easier for customers to initiate payments.

Melio Standout Features and Integrations:

Standout features include approval workflows, pay over time, bill bundling, role and permission assignment, international payment support, and a mobile app for payments on the go.

Integrations include QuickBooks, Xero, and Amazon Business.

Freshbooks is an invoicing and accounting software designed for small businesses, solopreneurs, and freelancers. Its features are relatively simple, and that’s the point: It’s easy to use, even for users with no accounting experience. And it supports custom invoicing, estimates, built-in time tracking, and other features that contractors will find useful.

Why I picked Freshbooks: I selected Freshbooks primarily because it’s cheap and easy to use. While it lacks some of the bells and whistles that some major competitors offer, Freshbooks is a genuinely simple platform that’s perfect for sole proprietors and freelancers.

Freshbooks Standout Features and Integrations:

Standout features include all-in-one functionality for invoicing and basic accounting, as well as built-in time tracking, professional invoicing, and integrated payments.

Integrations include Gusto, Outlook, Indeed, Gmail, HubSpot, and more.

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.

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.

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.

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.

Bill (formerly branded as Bill.com) is an accounts payable and accounts receivable platform that’s fully web-based. It’s most popular as an AP tool, but it has expanded to cover AR as well—and offers ample automation features in both categories. It integrates with most financial and business software and offers bi-directional syncing with most major accounting platforms.

Why I picked Bill: I selected Bill because it offers both AP and AR in one platform, with innovative automation features in both departments.

Bill Standout Features and Integrations:

Standout features of Bill include the combination of AR and AP in one platform, which helps managers oversee a more complete financial picture of money coming in and out. It also offers the option to send paper invoices via mail directly from the Bill platform.

Integrations include QuickBooks, Xero, NetSuite, Sage Intacct, Microsoft Dynamics, and more.

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.

Xledger is a cloud-based accounting and financial management software that specializes in multi-entity financial management, offering automation of up to 75% of accounting and financial tasks. Its unique selling point lies in its ability to efficiently manage financial data for multiple entities, providing a unified solution with features such as project accounting, intercompany transactions, and comprehensive reporting & analytics.

Why I Picked Xledger: As accounts receivable automation software, Xledger stands out for its ability to streamline and optimize the invoicing and payment collection processes. The platform automates critical tasks such as invoice creation, sending reminders, and tracking payments, which significantly reduces the manual effort required and accelerates cash flow. Xledger's real-time reporting functionality allows businesses to have up-to-date visibility of their accounts receivable status, aiding in better cash management and forecasting.

Xledger Standout Features and Integrations

Features include real-time reporting, automation of core financial processes, scalable cloud architecture, integrated project management, advanced budgeting and forecasting, multi-currency and multi-entity support, robust security protocols, comprehensive audit trails, and intuitive dashboards for financial analytics.

Xledger natively integrates with several other tools and platforms to provide a seamless workflow experience. These integrations include Microsoft Excel, Salesforce, Power BI, Bank APIs for automated banking transactions, HR systems, procurement software, project management tools, customer relationship management (CRM) systems, electronic payment processing platforms, and tax compliance software.

Redwood Finance Automation is a tool designed to automate financial operations, particularly focusing on tasks across platforms like SAP. It aims to reduce manual processes and improve workflow efficiency, making it a valuable resource for accounts receivable automation.

Why I Picked Redwood Finance Automation: Redwood Finance Automation stands out because it automates financial events and repetitive tasks, which is essential for managing accounts receivable. This automation allows your finance team to focus on strategic analysis rather than manual controls, boosting productivity. It also offers real-time cash flow monitoring, giving you immediate insights into your financial status for better decision-making.

The integration with SAP systems ensures efficient data transfer and process execution, which is crucial for accurate accounts receivable records. Redwood's "lights-out processing" feature enables continuous task completion without manual intervention, ensuring smooth financial operations. This level of automation saves time and enhances compliance by providing full audit trails for all processes.

Redwood Finance Automation Standout Features and Integrations:

Features include the use of advanced technology like bots and RPA to automate bookkeeping and invoice processing tasks. The platform empowers non-IT employees to optimize automated processes, fostering collaboration among stakeholders. Additionally, Redwood offers extensive resources, like guides and webinars, to help you maximize finance automation benefits.

Integrations include SAP ERP S/4HANA, Oracle, Azure, Informatica, ChatGPT, SAP Integration Suite, SAP Datasphere, Salesforce, Microsoft Dynamics 365, Workday, NetSuite, and QuickBooks.

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.

Invoice2Go is a versatile tool designed to help you send invoices and get paid quickly. It's tailored for small businesses, offering features that enhance cash flow with straightforward invoicing, multiple payment options, and efficient expense management.

Why I Picked Invoice2Go: One reason Invoice2Go stands out for accounts receivable automation is its ability to send invoices in seconds. This includes automated overdue reminders and invoice status tracking, which save you time and ensure you stay on top of your billing. With these features, you can maintain control over your accounts without the hassle of manual tracking.

Another notable feature is the variety of payment options it offers. You can accept payments via bank transfer, credit card, debit card, or PayPal, helping you get paid faster. This flexibility means you can cater to your clients' preferred payment methods, reducing delays and improving your cash flow.

Invoice2Go Standout Features and Integrations:

Features include project management, which lets you manage your projects in one central place, providing clarity and organization for your tasks. Business reports offer insights and help you monitor your business performance with easy-to-use charts and graphs. Additionally, the app allows you to invoice customers on the go, ensuring you're never tied down to a desk and can manage your invoicing wherever you are.

Integrations include HubSpot, FreshBooks, QuickBooks Online, Xero, Stripe, WooCommerce, Shopify, Google Contacts, Mailchimp, monday.com, ClickUp, and Square.

Lockstep Receivables (formerly Anytime Collect) is a component of the Lockstep software suite, which focuses on helping firms get paid faster and easier. It has significant automation features and focuses specifically on the AR process, as well as collections and dispute management.

Why I picked Lockstep Receivables: I selected LockStep receivables primarily because it helps to automate customer comms through a large template library of invoices and email outlines. It also offers some self-service tools for customers, helping to further cut down on hands-on input from accounting and finance teams.

Lockstep Receivables Standout Features and Integrations:

Standout features of Lockstep include automated customer communications including an extensive prebuilt library of templates. There are also ample features to help manage the collections and dispute process.

Integrations include Sage, SAP, Infor, QuickBooks, Microsoft Dynamics 365, and more.

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.

Growfin is a financial operations platform designed primarily for finance teams and CFOs. It facilitates the management of accounts receivable by providing tools for billing, collections, and cash flow forecasting. 

Why I picked Growfin: I chose Growfin for its real-time tracking feature. This lets you and your team monitor the status of your accounts receivable as they happen, providing up-to-the-minute insights into collections. With this feature, you can keep an eye on outstanding invoices and spot any issues quickly. 

Growfin Standout Features and Integrations:

Standout features include AI-based account prioritization that helps your team focus on accounts that need attention. It uses artificial intelligence to analyze data and determine which accounts are most likely to pay. Additionally, automated payment matching simplifies reconciliation, reducing manual work and errors.

Integrations include Salesforce, HubSpot, NetSuite, Slack, Zuora, Zoho Invoice, Zoho Books, QuickBooks, and Stripe.

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.

QuickBooks is the most popular small business accounting software in the US—and it’s not even a close competition. In the small businesses accounting category, QuickBooks is estimated to have a market share of over 80%. While “popular” does not necessarily mean “good,” QuickBooks is a solid platform for accounting—particularly for smaller firms looking for cost-effective and user-friendly software.

To be clear, QuickBooks is not an ERP system, unlike many options on this list. It’s a dedicated accounting and bookkeeping software. Fortunately, it does integrate well with many business tools, including ERP solutions.

Why I picked QuickBooks: I selected QuickBooks because it’s easy to use and cost-effective for small firms and because it’s a preferred software in the accounting industry (making it easier to work with third-party CPAs and accounting firms).

QuickBooks Standout Features and Integrations:

Standout features of QuickBooks include integrated payment processing with “pay now” buttons directly on invoices, plus automated calculation and tracking of sales tax, customizable AR aging reports, and more.

Integrations include over 750 popular business apps, including POS systems, digital marketplaces, HR tools, and more.

DualEntry is an AI-native ERP platform built for mid-market businesses looking to automate accounts receivable (AR) processes. It helps you handle complex financial structures, multi-currency invoicing, and AR tasks with speed and accuracy.

Why I Picked DualEntry: I picked DualEntry because it offers AI-powered automation that simplifies key AR workflows like invoice generation, payment matching, and reconciliation. The platform’s auto bank matching feature saves you time by aligning transactions without manual intervention. I also like its multi-currency support, which is essential if you manage global receivables. DualEntry’s real-time dashboards keep your AR status visible, so you can track outstanding payments with confidence.

DualEntry Standout Features and Integrations

Features include recurring invoicing, AR aging reports, and AI-driven Copilot suggestions that help categorize and process payments efficiently.

Integrations include BambooHR, Bill.com, Brex, Deel, Google SSO, Gusto, HubSpot, Ramp, Rippling, Salesforce, Stripe Billing, and Stripe Invoicing.