The Best Collections Software in 2026
We researched collections software from official websites, including pricing pages, plan tables and product documentation. Products are ranked on their core collections job, value for money and verified features, including overdue-account workflows, reminders, disputes and payment promises. This guide focuses on software for collecting customer receivables.
Our top picks
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Top ranked
FIS GETPAID#1 of 299.4/10A broad enterprise collections platform with AI prioritization, workflow automation, and cash application.
Pricing on request
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Runner-up
Quadient AR by YayPay#2 of 299.3/10A broad AR platform for teams managing complex collections, disputes, and cash application.
Pricing on request
-
#3 ranked
Zuora Collections#3 of 299.2/10A billing-connected collections system for finance teams managing recurring revenue.
Pricing on request
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. How we rank.
The full ranking 29 tools, best first
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Best forEnterprise teams needing structured collections control
A broad enterprise collections platform with AI prioritization, workflow automation, and cash application.
- Promise-to-pay tracking
- Customer payment portal
- Dispute management
9.4/10★★★★★Visit FIS GETPAID -
Best forMidsize and enterprise AR teams
A broad AR platform for teams managing complex collections, disputes, and cash application.
- Promise-to-pay tracking
- Customer payment portal
- Dispute management
9.3/10★★★★★Visit Quadient -
Best forBilling-platform users needing collections workflows
A billing-connected collections system for finance teams managing recurring revenue.
- Promise-to-pay tracking
- Dispute management
- Accounting integrations
9.2/10★★★★★Visit Zuora -
Best forOrganizations combining collections and credit intelligence
A broad receivables platform for teams linking collections, credit risk, disputes, and payments.
- Customer payment portal
- Dispute management
- Accounting integrations
9.1/10★★★★★Visit site -
Best forLarge enterprises needing broad AR automation
Broad AR automation for large enterprises managing complex, multi-system receivables.
9.0/10★★★★☆Visit HighRadius -
Best forTeams managing complex disputes and collections
A workflow-focused platform for complex collections, disputes, cash application, and forecasting.
- Promise-to-pay tracking
- Customer payment portal
- Dispute management
8.9/10★★★★☆Visit BlackLine -
Best forSmall teams wanting affordable core AR tools
Affordable core accounts receivable tools with strong accounting connectivity and basic automation.
- Customer payment portal
- Accounting integrations
- Automated reminders
8.8/10★★★★☆Visit BILL -
Best forMature finance teams needing end-to-end AR
A broad invoice-to-cash suite for mature finance teams managing complex receivables.
8.7/10★★★★☆Visit Esker -
Best forBusinesses needing configurable B2B receivables
A configurable B2B receivables platform spanning invoicing, collections, payments, and portals.
8.6/10★★★★☆Visit Billtrust -
Best forEnterprises wanting AI-led collections operations
A broad AI-led receivables platform for complex enterprise collections operations.
8.5/10★★★★☆Visit Sidetrade -
Best forBusinesses needing multichannel reminders and recovery
A multichannel collections platform with payment, credit, and escalation workflows.
8.4/10★★★★☆Visit ezyCollect -
Best forSmall businesses wanting affordable reminder automation
Affordable reminder automation with strong accounting integrations but basic workflow depth.
- Accounting integrations
- Automated reminders
8.2/10★★★★☆Visit Satago -
Best forSage-centered finance teams
A Sage-centered receivables platform for high-volume collections teams.
8.0/10★★★★☆Visit Sage -
Best forERP-heavy teams needing collections workflows
A deep AR automation suite for large, ERP-heavy finance teams.
- Customer payment portal
- Dispute management
- Accounting integrations
7.9/10★★★★☆Visit Serrala -
Best forTeams managing disputes and collection agencies
A broad collections platform for teams managing disputes, payment plans, and agencies.
- Promise-to-pay tracking
- Customer payment portal
- Dispute management
7.8/10★★★★☆Visit Onguard -
Best forSMBs needing workflow-led AR automation
A workflow-led AR platform for payment collection, cash application, and ERP synchronization.
- Customer payment portal
- Dispute management
- Accounting integrations
7.7/10★★★★☆Visit Centime -
Best forAR teams needing portal and dispute collaboration
A broad AR platform for tracking invoices, disputes, payments, and collections.
7.6/10★★★★☆Visit Growfin -
Best forTeams prioritizing AI communication automation
A focused collections platform for automating outreach, risk prioritization, and payment conversations.
- Promise-to-pay tracking
- Dispute management
- Accounting integrations
7.5/10★★★★☆Visit Collection.ai -
Best forTeams wanting AI dunning and AR analytics
Strong AI collections and AR analytics, with a high entry price and narrow integration set.
7.4/10★★★★☆Visit site -
Best forIndian businesses with field collection teams
A focused collections CRM for Indian trading businesses with field teams.
- Promise-to-pay tracking
7.3/10★★★★☆Visit Garxly -
Best forSubscription businesses needing AR and recurring billing
A broad invoice-to-cash platform for recurring billing and collections operations.
7.2/10★★★★☆Visit Invoiced -
Best forBusinesses wanting integrated chasing and reconciliation
Integrated invoice chasing, payments, reconciliation, and reporting for finance teams.
7.1/10★★★★☆Visit Kolleno -
Best forB2B teams needing invoicing and payment collection
A broad B2B receivables platform for teams managing billing through reconciliation.
7.0/10★★★★☆Visit Versapay -
Best forTeams wanting broad AR features with a free plan
Broad AR automation and payment capabilities, with a free dashboard and quote-based paid plans.
6.9/10★★★☆☆Visit Upflow -
Best forGlobal, multi-entity receivables teams
A broad order-to-cash platform for global, multi-entity receivables operations.
6.8/10★★★☆☆Visit Emagia -
Best forBusinesses collecting recurring Direct Debits
A focused choice for automating recurring Direct Debit collections and arrears follow-up.
- Automated reminders
6.7/10★★★☆☆Visit SimplyCOLLECT -
Best forModern teams needing forecasting and automated chasing
A broad AR platform for forecasting, automated collections, cash application, and payment workflows.
6.2/10★★★☆☆Visit Tesorio -
Best forTeams wanting flexible workflows and payment portals
A flexible collections platform for automating receivables, payments, disputes, and credit workflows.
6.1/10★★★☆☆Visit Gaviti -
Best forGrowing teams needing multichannel collections
A broad collections platform for teams managing reminders, payments, risk, and recovery.
5.7/10★★★☆☆Visit Chaser
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Automated reminders | Promise-to-pay tracking | Dispute management | Workflow automation | Score |
|---|---|---|---|---|---|---|---|---|
| 1 | FIS GETPAID | — | — | Yes | Yes | Yes | Advanced | 9.4 |
| 2 | Quadient AR by YayPay | — | — | Yes | Yes | Yes | Advanced | 9.3 |
| 3 | Zuora Collections | — | — | Yes | Yes | Yes | Advanced | 9.2 |
| 4 | Dun & Bradstreet Receivables Intelligence | — | — | Yes | — | Yes | — | 9.1 |
| 5 | HighRadius | — | — | — | — | — | — | 9.0 |
| 6 | BlackLine Accounts Receivable Automation | — | — | Yes | Yes | Yes | Advanced | 8.9 |
| 7 | BILL Accounts Receivable | No | $49/user/mo | Yes | — | — | Basic | 8.8 |
| 8 | Esker Accounts Receivable | No | — | — | — | — | — | 8.7 |
| 9 | Billtrust | — | — | — | — | — | — | 8.6 |
| 10 | Sidetrade | No | — | — | — | — | — | 8.5 |
| 11 | ezyCollect | No | — | — | — | — | — | 8.4 |
| 12 | Satago | No | £45/mo | Yes | — | — | Basic | 8.2 |
| 13 | Sage AR Automation | — | — | — | — | — | — | 8.0 |
| 14 | Serrala Collections Management | — | — | Yes | — | Yes | Advanced | 7.9 |
| 15 | Onguard Collections | — | — | Yes | Yes | Yes | Advanced | 7.8 |
| 16 | Centime Accounts Receivable | No | — | Yes | — | Yes | Advanced | 7.7 |
| 17 | Growfin | — | — | — | — | — | — | 7.6 |
| 18 | Collection.ai | — | — | Yes | Yes | Yes | Advanced | 7.5 |
| 19 | AccountsReceivable.ai | No | $249/mo | — | — | — | — | 7.4 |
| 20 | Garxly Collection CRM | No | ₹599/mo | — | Yes | — | — | 7.3 |
| 21 | Invoiced | — | — | — | — | — | — | 7.2 |
| 22 | Kolleno | — | — | — | — | — | — | 7.1 |
| 23 | Versapay | — | — | — | — | — | — | 7.0 |
| 24 | Upflow | — | — | — | — | — | — | 6.9 |
| 25 | Emagia Receivables Management | — | — | — | — | — | — | 6.8 |
| 26 | SimplyCOLLECT | No | — | Yes | — | — | Basic | 6.7 |
| 27 | Tesorio | — | — | — | — | — | — | 6.2 |
| 28 | Gaviti | — | — | — | — | — | — | 6.1 |
| 29 | Chaser | No | $259/mo | — | — | — | — | 5.7 |
Head-to-head All 26 comparisons →
- FIS GETPAID vs Quadient AR by YayPay
- FIS GETPAID vs Zuora Collections
- FIS GETPAID vs Dun & Bradstreet Receivables Intelligence
- FIS GETPAID vs HighRadius
- FIS GETPAID vs BlackLine Accounts Receivable Automation
- FIS GETPAID vs BILL Accounts Receivable
- Quadient AR by YayPay vs Zuora Collections
- Quadient AR by YayPay vs Dun & Bradstreet Receivables Intelligence
- Quadient AR by YayPay vs HighRadius
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How we rank collections software
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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