# Best Credit and Collections Software *By [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)* Businesses use credit and collections software to ensure customers pay for the products and services delivered by the company. By recovering the amounts due on time, companies can rely on a consistent influx of money to finance their operations. This type of software is used by accounting teams to identify which invoices are overdue, match invoices and payments, reduce processing errors, and manage collection issues such as bad debt (amounts owed by customers that are unlikely to be paid). Accountants also use credit and collections software to manage customer credits to mitigate the risk of not getting paid. This type of software can also be used by collection agencies that recover outstanding payments on behalf of their customers. Credit and collections software can be delivered as a standalone product or as part of a financial management suite. Standalone credit and collections tools need to integrate with [accounting software](https://www.g2.com/categories/accounting) and [ERP systems](https://www.g2.com/categories/erp-systems) or with related point solutions such as [AR automation software](https://www.g2.com/categories/ar-automation). To qualify for inclusion in the Credit and Collections category, a product must: - Allow users to define customer credit limits and adjust them based on payments history or type of customer - Match invoice information such as the amount or the due date with payments - Identify upcoming payments due and notify customers by email, phone, or mail - Manage overdue payments and apply penalties or overcharges for late payments - Monitor payments history and identify customers that are more likely to pay late - Analyze discrepancies between invoices and payments and determine what caused them ## Category Overview **Total Products under this Category:** 291 ## Trust & Credibility Stats **Why You Can Trust G2's Software Rankings:** - 30 Analysts and Data Experts - 3,500+ Authentic Reviews - 291+ Products - Unbiased Rankings G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category. ## Best Credit and Collections Software At A Glance - **Leader:** [Creditsafe](https://www.g2.com/products/creditsafe/reviews) - **Highest Performer:** [Chargeflow](https://www.g2.com/products/chargeflow-inc-chargeflow/reviews) - **Easiest to Use:** [Chargeflow](https://www.g2.com/products/chargeflow-inc-chargeflow/reviews) - **Top Trending:** [Chargeflow](https://www.g2.com/products/chargeflow-inc-chargeflow/reviews) - **Best Free Software:** [Upflow](https://www.g2.com/products/upflow-upflow/reviews) --- **Sponsored** ### Paysafe Paysafe is a global payments platform delivering high‑performance infrastructure for growing businesses. With over 30 years of experience, Paysafe enables secure, seamless transactions across card payments, digital wallets, local payment methods, and e-cash solutions. Our flexible, scalable platform connects digital and physical commerce, helping businesses operate confidently across markets, currencies and risk profiles. By adapting around your business, Paysafe lifts performance, resilience, and reliability, supporting growth where it matters most. [Visit company website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list&secure%5Bcategory_id%5D=1537&secure%5Bdisplayable_resource_id%5D=1975&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=neighbor_category&secure%5Bplacement_resource_ids%5D%5B%5D=1975&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=16798&secure%5Bresource_id%5D=1537&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Fcredit-and-collections&secure%5Btoken%5D=02eef6406a7e574dcc5d5fefb1e7ad08df00ef3745c649e6c5f91e56d21c0faa&secure%5Burl%5D=&secure%5Burl_type%5D=custom_url) --- ## Top-Rated Products (Ranked by G2 Score) ### 1. [Creditsafe](https://www.g2.com/products/creditsafe/reviews) Creditsafe is a comprehensive data intelligence solution designed to help organizations manage credit risk, compliance, and data hygiene with confidence. By delivering global coverage breadth across more than 430 million businesses in over 200 countries, Creditsafe provides the data freshness & source diversity companies need to make informed, data-driven decisions that fuel growth and operational efficiency. The platform is built around key business drivers that address modern credit and compliance challenges. With continuous monitoring & alerts, users are instantly notified of material changes impacting customers, suppliers, or prospects, ensuring proactive risk management. Creditsafe’s insolvency prediction strength and cross-border score consistency further enhance the accuracy of credit evaluations, allowing organizations to identify potential risks early and maintain financial stability. For businesses seeking speed and flexibility, Creditsafe offers instant vs. investigated delivery, enabling onboarding in under 60 seconds when needed, while still supporting deeper due diligence where required. Its powerful portfolio analytics & dashboards give decision-makers actionable insights at scale, while API integration depth ensures seamless connectivity to existing systems. Flexible pricing & access models make it suitable for both SMBs and large enterprises, with SMB-friendly access options designed to meet the needs of growing companies. Beyond credit risk, Creditsafe strengthens compliance processes with KYB/AML compliance bundling and corporate linkage & UBO insight, helping organizations meet regulatory obligations and uncover hidden ownership structures. In addition, collections and recovery support tools aid in maintaining healthy cash flow by optimizing recovery strategies. With its combination of advanced analytics, dedicated account managers, and scalable delivery models, Creditsafe empowers businesses of all sizes to navigate the complexities of credit management. By uniting trusted data, portfolio insights, and robust compliance tools under one platform, Creditsafe positions itself as a strategic partner for organizations seeking to enhance resilience, streamline processes, and unlock sustainable growth. **Average Rating:** 4.5/5.0 **Total Reviews:** 149 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.1/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 6.7/10 (Category avg: 8.2/10) - **Financial Documents:** 6.8/10 (Category avg: 8.5/10) - **Customer Portal:** 6.6/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Creditsafe](https://www.g2.com/sellers/creditsafe) - **Company Website:** https://www.Creditsafe.com/us - **Year Founded:** 1997 - **HQ Location:** Dublin, Ireland - **LinkedIn® Page:** https://www.linkedin.com/company/creditsafe/ (1,652 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** Credit Analyst, Controller - **Top Industries:** Manufacturing, Accounting - **Company Size:** 50% Mid-Market, 29% Small-Business #### Pros & Cons **Pros:** - Ease of Use (54 reviews) - Setup Ease (17 reviews) - Ease of Setup (14 reviews) - Data Management (12 reviews) - Efficiency (12 reviews) **Cons:** - Inaccuracy (15 reviews) - Inefficient Search (12 reviews) - Data Management (9 reviews) - Limited Functionality (7 reviews) - Poor Navigation (7 reviews) ### 2. [D&B Finance Analytics Credit Intelligence](https://www.g2.com/products/d-b-finance-analytics-credit-intelligence/reviews) D&B Finance Analytics is a global credit-to-cash solution that provides Dun & Bradstreet data, analytics, and technology to help improve cash flow, increase operational efficiency, and mitigate risk. This AI-driven solution comprises two platforms – D&B Credit Intelligence and D&B Receivables Intelligence powered by GETPAID – that together help finance teams transform their operations and reduce cost through insight, automation, and enhanced customer experience. **Average Rating:** 4.5/5.0 **Total Reviews:** 98 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.6/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 6.9/10 (Category avg: 8.2/10) - **Financial Documents:** 7.1/10 (Category avg: 8.5/10) - **Customer Portal:** 7.7/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Dun & Bradstreet](https://www.g2.com/sellers/dun-bradstreet) - **Company Website:** https://www.dnb.com - **HQ Location:** Short Hills, NJ - **Twitter:** @DunBradstreet (22,552 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/2385/ (5,816 employees on LinkedIn®) - **Ownership:** NYSE: DNB **Reviewer Demographics:** - **Top Industries:** Manufacturing, Accounting - **Company Size:** 49% Mid-Market, 29% Small-Business #### Pros & Cons **Pros:** - Ease of Use (43 reviews) - Insights (22 reviews) - Analytics (16 reviews) - Features (16 reviews) - Visibility (14 reviews) **Cons:** - Inaccuracy (20 reviews) - Data Inaccuracy (14 reviews) - Reporting Issues (14 reviews) - Data Management (11 reviews) - Complexity (8 reviews) ### 3. [Billtrust](https://www.g2.com/products/billtrust/reviews) Billtrust is a specialized B2B order-to-cash software solution designed to help finance leaders streamline their invoicing and payment processes. By transitioning from traditional paper invoicing and check acceptance to efficient electronic billing and payments, Billtrust enables organizations to enhance their cash flow management, reduce operational costs, and improve customer satisfaction. With a focus on leveraging AI-powered technology, Billtrust serves as a comprehensive platform that addresses the unique challenges businesses face in managing their accounts receivable. Targeting finance professionals across various industries, Billtrust is particularly beneficial for organizations that handle large volumes of invoices and payments. Its user-friendly interface and robust features cater to companies seeking to modernize their financial operations while maintaining a strong focus on customer experience. By automating the order-to-cash cycle, Billtrust enables finance teams to allocate their resources more effectively, allowing them to focus on strategic initiatives rather than mundane administrative tasks. With more than $1 trillion invoice dollars processed, Billtrust delivers business value through deep industry expertise and a culture relentlessly focused on delivering meaningful customer outcomes. The platform offers a suite of tools designed to facilitate electronic invoicing and payments. This not only accelerates cash flow but also minimizes the costs associated with paper-based invoicing methods. Additionally, Billtrust's AI-driven insights enable finance leaders to make informed decisions, optimize their collections strategies, and improve overall financial performance. The platform is designed to integrate seamlessly with existing financial systems, ensuring that businesses can adopt its solutions without significant disruption. By focusing on the specific needs of finance leaders, Billtrust offers a tailored approach that enhances operational efficiency and fosters stronger customer relationships through improved payment experiences. Overall, Billtrust is a powerful tool for finance leaders looking to modernize their order-to-cash processes. Its combination of advanced technology, industry expertise, and customer-centric design makes it an essential solution for organizations seeking to enhance their financial operations and drive sustainable growth. **Average Rating:** 4.4/5.0 **Total Reviews:** 505 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.9/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.8/10 (Category avg: 8.2/10) - **Financial Documents:** 8.9/10 (Category avg: 8.5/10) - **Customer Portal:** 9.1/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Billtrust](https://www.g2.com/sellers/billtrust) - **Company Website:** https://www.billtrust.com/ - **Year Founded:** 2001 - **HQ Location:** Hamilton, NJ - **Twitter:** @Billtrust (1,888 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/billtrust/ (798 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** Credit Manager, Accounts Receivable - **Top Industries:** Accounting, Construction - **Company Size:** 43% Enterprise, 39% Mid-Market #### Pros & Cons **Pros:** - Ease of Use (164 reviews) - Invoicing (93 reviews) - Payment Processing (50 reviews) - Customer Satisfaction (47 reviews) - Efficiency (41 reviews) **Cons:** - Invoicing Issues (38 reviews) - Payment Issues (35 reviews) - Missing Features (31 reviews) - Poor Customer Support (25 reviews) - Login Issues (24 reviews) ### 4. [HighRadius Accounts Receivables](https://www.g2.com/products/highradius-corporation/reviews) HighRadius offers AI-driven solutions that automate critical financial outcomes and processes for the office of the CFO. Our platform leverages advanced AI and machine learning to optimize order-to-cash processes, and accuracy across the finance function to deliver bottom-line savings and increased free cash flow. More than 1,000 of the world’s leading companies, such as 3M, Unilever, Teletrac Navman, Sanofi, Engie GBS Solutions, Kichler, Cole Haan, Staples, P&G, Ariat, and many more, have transformed their financial processes with HighRadius. **Average Rating:** 4.3/5.0 **Total Reviews:** 233 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.4/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 7.3/10 (Category avg: 8.2/10) - **Financial Documents:** 6.9/10 (Category avg: 8.5/10) - **Customer Portal:** 7.2/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [HighRadius](https://www.g2.com/sellers/highradius) - **Year Founded:** 2006 - **HQ Location:** Houston, TX - **Twitter:** @HighRadius (1,494 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/highradius/ (4,472 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** Credit Analyst - **Top Industries:** Accounting, Consumer Goods - **Company Size:** 43% Enterprise, 32% Mid-Market #### Pros & Cons **Pros:** - Automation (41 reviews) - Ease of Use (36 reviews) - Efficiency (34 reviews) - Collections Efficiency (30 reviews) - Features (20 reviews) **Cons:** - Poor Customer Support (22 reviews) - Payment Issues (14 reviews) - Limited Functionality (13 reviews) - Missing Features (13 reviews) - Slow Performance (11 reviews) ### 5. [Chargeflow](https://www.g2.com/products/chargeflow-inc-chargeflow/reviews) Chargeflow is The Chargeback Platform that prevents and recovers chargebacks automatically, so you don’t have to. Trusted by top brands like Caraway, Huel, and Elementor, Chargeflow securely integrates with every major payment processor and platform. Start in under 90 seconds with success-based pricing—pay only when we win chargebacks for you. - Increase your chargeback win-rates by up to 4x with our fully hands-off Automation product. Automate chargeback recovery. - Prevent up to 90% of incoming chargebacks with Chargeflow Alerts and pay only for prevented chargebacks, powered by Visa and Mastercard. - Deep dive into your chargebacks root cause and uncover how chargebacks are affecting your business with Chargeflow Insights -- completely free, forever. **Average Rating:** 4.7/5.0 **Total Reviews:** 254 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.1/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 7.3/10 (Category avg: 8.2/10) - **Financial Documents:** 9.2/10 (Category avg: 8.5/10) - **Customer Portal:** 9.2/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Chargeflow, Inc.](https://www.g2.com/sellers/chargeflow-inc) - **Year Founded:** 2020 - **HQ Location:** New York, US - **LinkedIn® Page:** https://www.linkedin.com/company/74563948 (172 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** CEO, Founder - **Top Industries:** Retail, Consumer Goods - **Company Size:** 84% Small-Business, 10% Mid-Market #### Pros & Cons **Pros:** - Ease of Use (107 reviews) - Time Saving (83 reviews) - Efficiency (68 reviews) - Automation Efficiency (61 reviews) - Automation (57 reviews) **Cons:** - Expensive (25 reviews) - Improvement Needed (19 reviews) - Poor Support (15 reviews) - Payment Issues (13 reviews) - Inaccuracy (10 reviews) ### 6. [Quadient Accounts Receivable](https://www.g2.com/products/quadient-accounts-receivable/reviews) Quadient Accounts Receivable streamlines the entire order to cash cycle, helping finance teams collect payments faster, eliminate manual work, and manage cash flow with confidence. Designed for B2B organizations, the platform uses automated collection workflows and a frictionless customer payment experience to get customers paying 34% faster, making billing, invoicing, and follow ups smoother for finance teams and their customers. Quadient AR removes operational friction by automating routine tasks across invoicing, collections, and cash application, enabling teams to eliminate 50% of tedious manual work with industry leading automation. With real time, customizable dashboards powered by machine learning, teams can forecast cash flow with up to 94% accuracy while tracking aging, DSO, and payer behavior all in one place for faster, more confident decision making. With this level of clarity, finance teams can reduce bad debt, improve collection rates, and maintain a healthy cash flow. Customers see significant financial impact with Quadient AR delivering an impressive average of 403% ROI over three years, supported by reduced DSO, fewer write offs, and more consistent payment behavior. With automated reminders, multi channel invoice delivery, integrated payments, AI powered cash application, robust credit and dispute management, and seamless integrations with any ERP, Quadient transforms AR from a reactive, manual function into a proactive engine for cash flow acceleration, stronger customer relationships, and long term financial health. **Average Rating:** 4.4/5.0 **Total Reviews:** 115 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.6/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.5/10 (Category avg: 8.2/10) - **Financial Documents:** 8.6/10 (Category avg: 8.5/10) - **Customer Portal:** 8.7/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Quadient](https://www.g2.com/sellers/quadient) - **Company Website:** https://www.quadient.com/ - **Year Founded:** 1924 - **HQ Location:** Bagneux, France - **Twitter:** @Quadient (3,878 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/quadient/ (4,008 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Computer Software, Accounting - **Company Size:** 54% Mid-Market, 27% Small-Business #### Pros & Cons **Pros:** - Ease of Use (13 reviews) - Automation (6 reviews) - Efficiency (6 reviews) - Integrations (6 reviews) - Customer Support (5 reviews) **Cons:** - Missing Features (4 reviews) - Payment Issues (3 reviews) - Invoicing Issues (2 reviews) - Limited Functionality (2 reviews) - Slow Updates (2 reviews) ### 7. [Tesorio](https://www.g2.com/products/tesorio/reviews) Tesorio provides finance leaders with the industry's first AI-driven connected financial operations platform, designed to empower business partners and drive growth while maintaining capital efficiency. By aggregating, structuring, and analyzing real-time primary source data, Tesorio delivers actionable insights and automates workflows for collections, cash application, and cash flow forecasting. Unlike platforms that stop at data reporting or point solutions that address only parts of the cash flow process, Tesorio offers end-to-end intelligent automation and enhances cross-functional collaboration. This enables finance leaders to effectively manage cash flow, optimize payment timing, and make strategic decisions that propel the business forward. Key benefits that Tesorio customers realize include: ▪︎ Reduction in days sales outstanding (DSO) ▪︎ 3x improvement in your collections team’s efficiency ▪︎ 75% decrease in time spent on low-value dunning activities ▪︎ 4x increase in customer-base reached See what the impact could be on your business with our ROI calculator: https://www.tesorio.com/roi-calculator **Average Rating:** 4.7/5.0 **Total Reviews:** 235 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.5/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.8/10 (Category avg: 8.2/10) - **Financial Documents:** 7.8/10 (Category avg: 8.5/10) - **Customer Portal:** 8.1/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Tesorio](https://www.g2.com/sellers/tesorio) - **Company Website:** https://www.tesorio.com - **Year Founded:** 2015 - **HQ Location:** San Francisco, California - **Twitter:** @usetesorio (485 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/3608288/ (45 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** Controller, Accounts Receivable Specialist - **Top Industries:** Computer Software, Information Technology and Services - **Company Size:** 48% Mid-Market, 33% Enterprise #### Pros & Cons **Pros:** - Ease of Use (30 reviews) - Automation (16 reviews) - Collections Efficiency (16 reviews) - Invoicing Management (16 reviews) - Collections Management (15 reviews) **Cons:** - Improvement Needed (12 reviews) - Sync Issues (8 reviews) - Invoicing Issues (6 reviews) - Email Automation Issues (4 reviews) - Email Functionality (4 reviews) ### 8. [Gaviti](https://www.g2.com/products/gaviti/reviews) Gaviti is an AI-powered accounts receivable automation platform that helps B2B companies streamline their invoice-to-cash cycle. It centralizes collections management, cash application, credit risk, disputes, and customer communications, replacing manual spreadsheets and scattered emails with a unified, efficient workflow. Gaviti is the only platform offering a B2B payment portal with zero-fee ACH and streamlined communication included in every subscription, enabling faster, frictionless payments at no extra cost. The platform is ERP-agnostic and connects with any ERP or business system—including proprietary or homegrown solutions—providing unmatched integration flexibility. AI-driven cash application improves accuracy and dramatically reduces reconciliation time. Automated workflows ensure timely reminders, escalations, and task management. The Collector Workspace offers full visibility into aging, communication history, promises to pay, and collector performance. With built-in credit tools, dispute workflows, customer self-service, and real-time analytics, Gaviti gives finance leaders everything they need to run a predictable, scalable, and efficient A/R operation. **Average Rating:** 4.4/5.0 **Total Reviews:** 187 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.3/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.0/10 (Category avg: 8.2/10) - **Financial Documents:** 7.5/10 (Category avg: 8.5/10) - **Customer Portal:** 7.7/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Gaviti](https://www.g2.com/sellers/gaviti) - **Company Website:** https://www.gaviti.com - **Year Founded:** 2018 - **HQ Location:** Givatyim, IL - **Twitter:** @gaviti_biz (770 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/10850993/ (36 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** Accounts Receivable Specialist, Employee - **Top Industries:** Accounting, Information Technology and Services - **Company Size:** 65% Mid-Market, 20% Small-Business #### Pros & Cons **Pros:** - Ease of Use (62 reviews) - Invoicing (32 reviews) - Collections Efficiency (31 reviews) - Automation (30 reviews) - Time-saving (20 reviews) **Cons:** - Slow Performance (20 reviews) - Missing Features (16 reviews) - Invoicing Issues (14 reviews) - Limited Functionality (11 reviews) - Integration Issues (10 reviews) ### 9. [Upflow](https://www.g2.com/products/upflow-upflow/reviews) Is your current cash collection process doing more harm than good? If you're only trying to automate chasing invoices with AR Automation, you're missing the bigger picture… A crude collections approach doesn’t just hurt cash flow, it jeopardizes customer relationships, and in 2025, that’s a growth killer. Upflow delivers much more than AR automation, we provide Financial Relationship Management (FRM). Think of Upflow like your CRM for Finance, revolutionizing the finance interface with your customers from Invoice to Cash: - Genuine visibility into customer payment behavior so that you can predict and prevent late payments. - Sophisticated, Multi-channel & Highly Personalized Collections Campaigns to address each customer as an individual and drive effective collections. - Enhanced collaboration between finance and customer-facing teams (sales, customer success, management…), allowing for a coordinated, company-wide, strategic approach to getting paid on time. The real-world results? - WorkMotion personalized their collections and cut invoices \>30 days overdue by 80%, reducing bad debt write-off significantly. - Hokodo made payment easy for their customers and cut DSO by 75%, drastically reducing payment delays and improving cash flow to reinvest in growth. - Lattice now reaches the right contact, at the right time, with the right message and collects 99% of payments through fully automated messaging, within 60 days of the due date - reducing finance headcount requirement and saving an estimated $600,000 in wages alone. Our real-time, native API integrations and trusted partnerships with leading ERPs, accounting tools, billing tools, and CRMs (NetSuite, QuickBooks, Xero, Salesforce, etc.) mean you can fully trust Upflow’s data at all times, while your source of truth is unchanged yet enriched with additional AR and payment data. Upflow functionality: - AR Analytics: Say goodbye to spreadsheets & gain a clear picture of your AR health & performance. Understand who is paying late, spot trends, and create customized dashboards to answer the key questions about your receivables. - Cash Collection Workflows: Automate manual processes and payment reminders that trigger at the right time to ensure customers pay on time. - Payment Processing: Frictionless transactions with a fully branded online payment portal. Move beyond paper checks, unpredictable wire transfers, and offer a range of secure, flexible online payment methods in a simple interface. - Cash Application: Navigate with ease and reconcile payments in record time. Automatically match payments to open invoices, even when details are missing or incorrect. Our intelligent model keeps learning, reducing manual work over time. - AI-Empowered Throughout: By analyzing millions of transactions and communication touchpoints, our AI delivers actionable insights to optimize cash collection, without damaging customer relationships. In 2025, AR automation is table stakes, it’s time to build a finance function goes beyond chasing payments to actually grow your business. 🔗 Try Upflow for free, sign up for our free Discover plan, in seconds:https://insights.upflow.io/en/discover-upflow **Average Rating:** 4.8/5.0 **Total Reviews:** 230 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.5/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 9.2/10 (Category avg: 8.2/10) - **Financial Documents:** 8.7/10 (Category avg: 8.5/10) - **Customer Portal:** 9.2/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Upflow](https://www.g2.com/sellers/upflow) - **Company Website:** https://upflow.io/ - **Year Founded:** 2018 - **HQ Location:** New York City, United States - **LinkedIn® Page:** https://www.linkedin.com/company/upflowhq/ (75 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** CFO, Head of Finance - **Top Industries:** Computer Software, Information Technology and Services - **Company Size:** 58% Mid-Market, 39% Small-Business #### Pros & Cons **Pros:** - Ease of Use (32 reviews) - Automation (16 reviews) - Customer Support (14 reviews) - Customer Satisfaction (13 reviews) - Time-saving (13 reviews) **Cons:** - Email Automation Issues (4 reviews) - Email Functionality (4 reviews) - Inadequate Reporting (4 reviews) - Payment Issues (4 reviews) - Poor Reporting (4 reviews) ### 10. [Chaser](https://www.g2.com/products/chaser/reviews) Automate and streamline your accounts receivable process. Improve cash flow visibility. Get visibility over every debtor interaction and easily forecast cash flow with customizable overviews. Reduce days sales outstanding. Maintain strong customer relationships. Winner of Best Technology Provider at the Credit Strategy Awards (2024), Management Today Best Use of Innovation (2023), and CICM British Credit Awards B2B Supplier of the Year (2022). Chaser users: - Get invoices paid 54+ days sooner - Save 15+ hours per week on accounts receivable tasks - Reduce days sales outstanding by 75%+ - Grow fearlessly with predictable cash flow - Maintain strong customer relationships Track and manage every interaction in one place - Gain complete visibility with all debtor communications, replies, and call notes logged automatically - See a full communication history for every invoice and every customer - Log communications in your CRM automatically with integrations for HubSpot, Salesforce, Zoho, and more - Record and store debtor phone calls directly in Chaser, set reminders, and assign follow-up tasks to your team Automate without losing the human touch - Send personalized reminders from your own email address, complete with your usual signature and branding - Use AI to instantly draft professional replies in your tone of voice - Customize templates to match your business style for consistent communication Grow confidently with customizable cash flow visibility - View automatic cash flow predictions from your accounting system data and debtor payment behavior - Reflect your business reality with full flexibility in overrides and anomalies - Save time building forecasts from scratch, and avoid using rigid automated tools Optimize your collections approach - Segment debtors into unlimited workflows based on factors like payment behavior, risk level, or language - Automate reminders across your chosen schedule and escalation paths - Escalate senders automatically to more senior contacts when payments are overdue - Avoid chasing outside working hours, on weekends, or on bank holidays - Gain ongoing insights from credit checks, monitoring, and AI debtor insights so you know which accounts to prioritize Encourage faster payment - Give customers a secure Payment Portal linked in every reminder, offering multiple payment options - Offer flexible installment plans to suit customer needs - Incentivize prompt payment with early payment discounts and apply late fees automatically where needed Use multiple follow-up channels for maximum reach - Send reminders via email, SMS, letters, and automated debtor phone calls to ensure messages are received - Include secure payment portal links and QR codes in all reminders to make paying as easy as possible - Maintain a consistent, professional tone across every channel to strengthen relationships and improve results Seamlessly connected to your existing systems - Connect Chaser to any accounting software, ERP or CRM with a range of integration options - Ensure you never follow-up with debtors incorrectly, with data-syncs every hour, on-demand when you request them, and before any communication is sent **Average Rating:** 4.3/5.0 **Total Reviews:** 66 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.4/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.7/10 (Category avg: 8.2/10) - **Financial Documents:** 8.6/10 (Category avg: 8.5/10) - **Customer Portal:** 8.8/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Chaser](https://www.g2.com/sellers/chaser) - **Company Website:** https://chaserhq.com - **Year Founded:** 2013 - **HQ Location:** London, GB - **Twitter:** @chaser_hq (3,097 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/chaser/ (33 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** Director, Managing Director - **Top Industries:** Accounting, Construction - **Company Size:** 73% Small-Business, 18% Mid-Market #### Pros & Cons **Pros:** - Automation (18 reviews) - Ease of Use (15 reviews) - Collections Efficiency (14 reviews) - Customer Support (12 reviews) - Efficiency (12 reviews) **Cons:** - Email Functionality (8 reviews) - Email Issues (8 reviews) - Email Automation Issues (7 reviews) - Email Notifications (7 reviews) - Missing Features (5 reviews) ### 11. [Nuvo](https://www.g2.com/products/nuvo-nuvo/reviews) Nuvo provides a modern, branded onboarding experience and risk assessment platform that accelerates time to order, grows your customers’ purchasing power, and protects your margins. Get 100% complete and instantly verified new customer applications. Eliminate tedious data collection and leverage built-in insights to make fast, informed decisions. Make trade credit your competitive advantage with Nuvo. Branded & Configurable Credit Application Nuvo’s credit app is collaborative, customizable, and so flexible you can onboard both cash and credit customers. Nuvo verifies each customer’s identity and populates your ERP with clean data you can trust. Collaborative Approval Workflows Nuvo’s credit management dashboard supports seamless workflows for the finance team, and transparency across the company. Credit decisions made in Nuvo are synced directly to your ERP. Cross-functional workflows - Unlimited user seats - Automatic sales rep assignment to credit apps - Unique links for each customer record for easy sharing - Application status notifications for assigned sales reps and key decision makers Tracked changes for every customer - Intuitive customer organization by account status - Detailed user activity log for every customer record - Flags to target customers for review - Custom notes with attachments Insightful Risk Monitoring Dashboard Stay on top of your customers’ changing risk without getting deep into the paperwork of a traditional credit review. Respond to trends in your own receivables and a portfolio of additional risk sources. Insights at a glance - Credit utilization, invoice aging, spend per month, and days sales outstanding, calculated directly from your ERP - Single view of risk changes across multiple data sources - Weekly risk digest, direct to your inbox - Color-coded badging to identify risk changes Integrated Data Sources - Accounts receivable insights from your ERP - High-priority alerts for liens and bankruptcy filings - Refreshed trade references with changes to credit terms open balances, and past due balances - Cash and credit balance updates, direct from banks - Changes in CreditSafe scores and recommended limits Streamlined Customer Profile Management Nuvo’s Customer Portal enables your customers to manage their credit profiles, request credit limit increases, and instantly sync all their updates with your Nuvo account. Easy record management - 2-way sync of customer profiles to your ERP - Self-serve profile control for customers - Customer accounts organized by credit status - Store and track tax-exempt certificates, W-9s, and licenses Simplified communications - Shared view of credit limit and terms - On-platform credit review requests from customers - Templated emails from your integrated mailbox for convenience and deliverability **Average Rating:** 4.7/5.0 **Total Reviews:** 28 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.6/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 2.4/10 (Category avg: 8.2/10) - **Financial Documents:** 4.7/10 (Category avg: 8.5/10) - **Customer Portal:** 7.3/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Nuvo](https://www.g2.com/sellers/nuvo-9c9bd42c-e6bf-42f1-99ca-554ce34c3901) - **Year Founded:** 2021 - **HQ Location:** San Francisco, US - **LinkedIn® Page:** https://www.linkedin.com/company/nuvocredit/ (98 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 64% Mid-Market, 18% Small-Business #### Pros & Cons **Pros:** - Ease of Use (19 reviews) - Customer Support (15 reviews) - Customer Satisfaction (11 reviews) - Time-saving (9 reviews) - Efficiency (8 reviews) **Cons:** - Limited Functionality (6 reviews) - Missing Features (5 reviews) - Email Automation Issues (2 reviews) - Email Functionality (2 reviews) - Limited Automation (2 reviews) ### 12. [Global Database Risk Intelligence](https://www.g2.com/products/global-database-risk-intelligence/reviews) When it comes to making informed business decisions, the integrity and comprehensiveness of your data sources matter. Global Database presents its Business Credit Reports - an unparalleled tool designed to offer businesses a comprehensive insight into the financial stability and creditworthiness of companies worldwide. Key Features: Comprehensive Financial Data: Gain access to detailed financial histories, including income statements, balance sheets, cash flow statements, and key financial ratios. Credit Risk Insights: Evaluate potential risks with our credit scores and ratings, allowing you to make well-informed decisions, minimize bad debts, and optimize credit terms. Global Coverage: Our database covers businesses from numerous sectors and countries, ensuring you have a global perspective regardless of where you operate. Real-time Updates: Stay ahead of the curve. Our reports are updated in real-time, ensuring that you have the most recent data at your fingertips. User-friendly Interface: Access information seamlessly with our intuitive interface, making it easier for businesses of all sizes to gather insights and analytics. Advanced Analytics: Beyond raw data, benefit from in-depth analytics that help in identifying trends, growth rates, and predicting future financial health. **Average Rating:** 4.7/5.0 **Total Reviews:** 44 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 10.0/10 (Category avg: 8.2/10) - **Financial Documents:** 9.6/10 (Category avg: 8.5/10) - **Customer Portal:** 9.8/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Global Data Intelligence Limited](https://www.g2.com/sellers/global-data-intelligence-limited) - **Year Founded:** 2015 - **HQ Location:** Northampton, UK - **Twitter:** @Global_Database (1,598 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/global-database/ (42 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Information Technology and Services, Transportation/Trucking/Railroad - **Company Size:** 95% Small-Business, 43% Mid-Market #### Pros & Cons **Pros:** - Ease of Use (20 reviews) - Integrations (19 reviews) - Dashboards (12 reviews) - Insights (10 reviews) - Dashboard Customization (9 reviews) **Cons:** - Limited Customization (8 reviews) - Slow Performance (8 reviews) - Customization Difficulties (6 reviews) - Slow Loading (5 reviews) - Complex Setup (4 reviews) ### 13. [Resolve](https://www.g2.com/products/resolve-resolve/reviews) Resolve enables B2B companies to boost sales and cash flow by offering their buyers 30, 60, or 90 day payment terms, while ensuring the seller gets paid upfront risk-free. Our platform automates credit checks, underwriting, invoicing, and collections, helping companies improve cash flow, reduce manual accounts receivable work, and increase conversion rates. Traditional net terms are slow and risky. Sellers often act like banks, extending credit, tracking invoices, and chasing payments. Resolve replaces that manual process with an automated, end-to-end net terms solution. From real-time credit decisions to fast invoice financing and collections, Resolve simplifies B2B payments so teams can focus on growth instead of administrative work. Resolve integrates seamlessly with leading ecommerce and ERP platforms such as NetSuite, BigCommerce (2025 Innovative Integration Award winner), QuickBooks, and Shopify. Buyers can check out instantly using pre-approved terms, and sellers receive advance payment within 24-hours on approved invoices. Resolve manages the credit risk and collections behind the scenes so sellers can offer flexible payment options without impacting their cash flow or taking on bad debt exposure. Affirm and Resolve share their founding history in Max Levchin. Max was previously co-founder and CTO at PayPal and founded Affirm in 2012. Resolve was born in Max’s San Francisco based venture studio, HVF, by co-founders Chris Tsai and Brian Nguyen. Having both worked closely with Affirm, the pair saw an opportunity to bring the ‘buy now, pay later’ model to the B2B world. They created Resolve to modernize business payments, reimagining traditional net terms with intelligent credit technology, instant financing, and embedded finance infrastructure built for scale. **Average Rating:** 5.0/5.0 **Total Reviews:** 17 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.1/10 (Category avg: 8.2/10) - **Financial Documents:** 9.7/10 (Category avg: 8.5/10) - **Customer Portal:** 8.3/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Resolve](https://www.g2.com/sellers/resolve) - **HQ Location:** San Francisco, US - **Twitter:** @resolvepay (301 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/resolvepay/ (58 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 88% Small-Business, 6% Enterprise #### Pros & Cons **Pros:** - Customer Support (3 reviews) - Efficiency (2 reviews) - Payment Management (2 reviews) - Automated Reminders (1 reviews) - Automation (1 reviews) **Cons:** - Communication Issues (1 reviews) - High Fees (1 reviews) - Integration Issues (1 reviews) - Payment Issues (1 reviews) - Syncing Issues (1 reviews) ### 14. [Versapay](https://www.g2.com/products/versapay/reviews) Versapay is a comprehensive accounts receivable automation solution designed to streamline the collections and reconciliation of B2B payments. By integrating finance teams, customers, and various systems into a cohesive ecosystem, Versapay enhances cash flow visibility and empowers businesses to manage their working capital effectively. With a robust user base of over 10,000 customers and more than 5 million companies engaged in transactions, Versapay facilitates the processing of over 100 million transactions, amounting to more than $300 billion in payments annually. After implementing Versapay, our customers see: • 50% reduction in manual processes • 30% fewer past-due invoices • 20% average savings on payment processing fee • 25% faster payment speeds • 80% customer adoption rate (highest in industry) The challenges that Versapay address are relevant for growing businesses that face cash flow issues stemming from a cumbersome invoice-to-cash process. Fragmented systems can lead to slow cash conversion, while manual accounts receivable processes introduce delays and errors. Additionally, payments data often resides in isolated silos, preventing organizations from gaining strategic insights. Limited visibility into cash flow and working capital complicates forecasting and growth management, which can ultimately hinder business success. By removing these barriers, Versapay accelerates cash flow and enhances financial stability. Targeting middle-market organizations, Versapay is specifically designed for businesses that are scaling and require predictable cash flow. It caters to those looking to move beyond manual accounts receivable processes and basic ERP systems. Our solution automates collections, payments, and cash application driving efficiency and supporting growth. Versapay's flexibility allows it to meet customers at various stages of their financial journey, providing a unified yet modular approach to accounts receivable management. Key features of Versapay include user-friendly invoicing and customer/supplier portals that facilitate seamless interactions between suppliers and customers. With over 80% adoption among suppliers and customers, the platform significantly enhances the user experience, simplifying dispute management and digital payment processing. End-to-end collections management capabilities that incorporate workflow automation, task management, and AI-driven reporting, streamlining the entire collections process. The Cash Application module efficiently handles various payment types, utilizing configurable AI match rules to achieve a 90% straight-through processing rate. Versapay also integrates with leading ERPs such as Sage Intacct, Netsuite, and Microsoft Business Central and F&O offering embedded payment solutions and flexible APIs for seamless data exchange. Our solution offers valuable insights and reporting tools to help businesses monitor cash flow, track key performance indicators like Days Sales Outstanding (DSO), and identify customer payment behaviors. And we includes built-in B2B payment services, offering a comprehensive digital wallet, processing solutions, compliance features, and enhanced security measures, all designed to optimize cash management and reduce costs. **Average Rating:** 4.1/5.0 **Total Reviews:** 92 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.2/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 7.7/10 (Category avg: 8.2/10) - **Financial Documents:** 8.7/10 (Category avg: 8.5/10) - **Customer Portal:** 8.6/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Versapay](https://www.g2.com/sellers/versapay) - **Company Website:** https://versapay.com - **Year Founded:** 2006 - **HQ Location:** California, USA - **Twitter:** @VersaPay (890 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/versapay/ (363 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Accounting, Wholesale - **Company Size:** 65% Mid-Market, 18% Small-Business #### Pros & Cons **Pros:** - Ease of Use (6 reviews) - Easy Payments (5 reviews) - Easy Setup (5 reviews) - Payment Management (5 reviews) - Automation (4 reviews) **Cons:** - Payment Issues (7 reviews) - Poor Customer Support (3 reviews) - Delays (2 reviews) - Inadequate Reporting (2 reviews) - Integration Issues (2 reviews) ### 15. [Bectran](https://www.g2.com/products/bectran/reviews) Bectran is the premier SaaS platform built specifically for B2B Finance Departments, akin to CRM for Sales. Trusted by more than 4,000 diverse organizations ranging from SMEs to Fortune 100 companies, Bectran helps finance teams digitize, automate, and enhance the entire order-to-cash process. By centralizing credit management, accounts receivable, collections, and payments into a single platform, finance teams gain real-time visibility into portfolio risk and reduce exposure to credit risk and defaults. Automation eliminates manual tasks, accelerates the cash receipts cycle, and allows AR and collections teams to focus on other high-priority tasks. The platform is designed to support both simple and complex credit environments across industries such as manufacturing, wholesale distribution, enterprise services, and more, integrating seamlessly with leading ERP systems to ensure data consistency and a smooth extension of existing financial operations. Credit Management Bectran digitizes the full credit lifecycle, from online credit applications and automated approvals to ongoing reviews and real-time risk monitoring. Configurable credit policies and automated workflows help teams make faster, more consistent decisions while minimizing credit risk and manual effort. AI-powered scoring models pull live data from Experian, Equifax, Dun and Bradstreet, and bank reference providers to assess creditworthiness instantly, auto-approving up to 90% of low-risk applications. Built-in fraud detection and audit-ready compliance documentation give credit teams full control at every step. Accounts Receivable Centralized collections workflows and configurable dunning automation help teams focus on high-risk and high-value accounts. Bectran's structured collections strategy reduces manual work, accelerates cash receipts, and improves recovery rates. Live account tracking, dunning effectiveness reporting, and continuous financial activity monitoring give collections teams the insight they need to prioritize smarter and act faster. Collections Centralized collections workflows and configurable dunning automation help teams focus on high-risk and high-value accounts. Bectran's structured collections strategy reduces manual work, accelerates cash receipts, and improves recovery rates. Live account tracking, dunning effectiveness reporting, and continuous financial activity monitoring give collections teams the insight they need to prioritize smarter and act faster. Payments Bectran simplifies B2B payment processing with a secure online payment portal, automated cash application, and seamless ERP integrations. Customers pay faster, and finance teams gain full visibility into transaction status and cash flow predictability. Why Bectran? Our customers consistently highlight the ease, speed, and cost-effectiveness of adopting Bectran. With onboarding typically completed in days or weeks, organizations see measurable improvement quickly. Customers like Floor and Decor, Chamberlain Group, and Ben E. Keith have reported 50%+ reductions in application processing time and significant year-over-year gains in cash collections. Credit professionals across industries describe Bectran as the future of the Credit Department, enabling finance teams to make smarter, faster decisions while strengthening cash flow, risk visibility, and overall financial performance. **Average Rating:** 4.6/5.0 **Total Reviews:** 13 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.7/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 6.7/10 (Category avg: 8.2/10) - **Financial Documents:** 10.0/10 (Category avg: 8.5/10) - **Customer Portal:** 9.0/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Bectran](https://www.g2.com/sellers/bectran) - **Company Website:** https://www.bectran.com - **Year Founded:** 2010 - **HQ Location:** Schaumburg, US - **Twitter:** @Bectran (415 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/bectran-inc- (117 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Food & Beverages, Oil & Energy - **Company Size:** 46% Enterprise, 46% Mid-Market #### Pros & Cons **Pros:** - Ease of Use (4 reviews) - Customer Satisfaction (3 reviews) - Efficiency (2 reviews) - AI Automation (1 reviews) - Collections Efficiency (1 reviews) **Cons:** - Poor Customer Support (1 reviews) ### 16. [Invoiced](https://www.g2.com/products/invoiced/reviews) Invoiced is a powerful and user-friendly accounts receivable platform designed to help businesses streamline billing, enhance cash flow, and elevate customer satisfaction. This software solution caters to organizations looking to optimize their financial operations by automating their A/R. Targeted primarily at medium to enterprise-sized businesses, Invoiced offers tools that simplify complex financial processes. The platform is particularly beneficial for companies that manage a high volume of transactions or have recurring billing needs. Invoiced allows businesses to maintain a professional appearance while reducing the time spent on manual invoicing tasks by providing features such as customizable invoice templates and automated billing. This efficiency saves time and minimizes the risk of human error, which can lead to payment delays. One of Invoiced's standout features is its integrated payment processing capabilities. This allows users to accept payments directly through invoices, streamlining the payment collection process. Additionally, the platform includes robust payment tracking and account reconciliation tools, which help businesses monitor their cash flow in real-time. By offering subscription management, Invoiced also caters to companies with recurring revenue models, enabling them to manage customer subscriptions effortlessly. Invoiced has gained the trust of thousands of customers globally, processing billions in receivables. Its reputation as a leader in accounts receivable automation is further solidified by recognition from industry platforms such as G2, where it is acknowledged as a category leader in various financial management areas. The platform's ability to enhance cash flow management and improve credit and collections processes makes it a valuable asset for businesses aiming to elevate their financial operations. Overall, Invoiced stands out in its category by providing a comprehensive solution that simplifies invoicing and enhances overall financial management. Its user-friendly interface and powerful automation features position it as an essential tool for businesses looking to improve efficiency and customer satisfaction in their billing processes. **Average Rating:** 4.5/5.0 **Total Reviews:** 394 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.2/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 9.0/10 (Category avg: 8.2/10) - **Financial Documents:** 8.9/10 (Category avg: 8.5/10) - **Customer Portal:** 9.1/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Invoiced](https://www.g2.com/sellers/invoiced) - **Company Website:** https://invoiced.com - **Year Founded:** 2013 - **HQ Location:** Austin, Texas - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) **Reviewer Demographics:** - **Who Uses This:** Owner, CEO - **Top Industries:** Computer Software, Marketing and Advertising - **Company Size:** 77% Small-Business, 20% Mid-Market #### Pros & Cons **Pros:** - Ease of Use (17 reviews) - Features (12 reviews) - Invoicing Management (11 reviews) - Payment Processing (9 reviews) - User Interface (9 reviews) **Cons:** - Payment Issues (12 reviews) - Missing Features (7 reviews) - Access Limitations (6 reviews) - Poor Customer Support (5 reviews) - Expensive (4 reviews) ### 17. [Sage AR Automation](https://www.g2.com/products/sage-ar-automation/reviews) Lockstep connects the world's accounts receivable (AR) and accounts payable (AP) departments so they can work better together. Founded in 2019, Lockstep eliminates cash traps and leaks created from manual synchronization of books between B2B trading partners. Lockstep's connected accounting cloud empowers trusted, compliant accounting relationships between businesses of all sizes. High-performance companies large and small run their collections on Lockstep Collect. Helping our customers process more than one million invoices per month across more than 4 million entities, Lockstep integrates over 40 ERP and accounting solutions into our connected accounting cloud. Our customers see an average 20x ROI by investing in collections automation improving cash flow by 31% or more. For more information please visit: www.lockstep.io. **Average Rating:** 4.3/5.0 **Total Reviews:** 36 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.3/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 9.2/10 (Category avg: 8.2/10) - **Financial Documents:** 9.2/10 (Category avg: 8.5/10) - **Customer Portal:** 7.6/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Sage Software](https://www.g2.com/sellers/sage-software-d61a780c-4fb3-4781-9519-baa772f5ea91) - **Year Founded:** 1981 - **HQ Location:** Newcastle - **LinkedIn® Page:** https://www.linkedin.com/company/2802/ (15,471 employees on LinkedIn®) - **Ownership:** SGE.L - **Phone:** +1 (866) 996-7243 **Reviewer Demographics:** - **Company Size:** 67% Mid-Market, 28% Small-Business ### 18. [Kolleno](https://www.g2.com/products/kolleno/reviews) Kolleno is an accounts receivable platform that brings together receivables, payments and reconciliation - all in one place. Ranked among the top 50 Softwares in Accounting & Finance by G2, the platform is built for and by finance professionals to automate and optimise finance back-office processes with highly customisable workflows. Kolleno simplifies the management of client payments, related communications, and financial reporting by keeping everything in sync - data, systems, and people. Powered by advanced AI capabilities, Kolleno pulls data from all incoming accounting systems, ERPs and CRMs, enabling users to leverage context-sensitive content across key finance systems, processes and workflows. We foresee traditional finance operations transforming into seamless digital experiences for everyone involved – including CFOs, finance teams and their clients. Ultimately, Kolleno helps businesses to run everyday operations intelligently, freeing up resources to focus on higher-priority, growth-driving activities. Our platform is designed to be user-friendly and intuitive, making it simple for you to get started right away. Ultimately, Kolleno helps you to get the cash in faster and free up your resources to focus on and reinvest in growth-driving activities. Don't waste another moment on manual accounting processes - upgrade to Kolleno today and experience the future of financial management. An example of success offered by Kolleno to a real client in their first 3 months: 📉32% reduction in Days Sales Outstanding (DSO) 💰Reduced outstanding receivables by 50% ⏰40% of time saved a week on manual activities **Average Rating:** 4.9/5.0 **Total Reviews:** 99 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 9.7/10 (Category avg: 8.2/10) - **Financial Documents:** 9.3/10 (Category avg: 8.5/10) - **Customer Portal:** 9.5/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Kolleno](https://www.g2.com/sellers/kolleno) - **Company Website:** https://www.kolleno.com - **Year Founded:** 2019 - **HQ Location:** New York, US - **Twitter:** @KollenoHQ (35 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/kolleno-limited/?originalSubdomain=uk (36 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Financial Services, Computer Software - **Company Size:** 54% Small-Business, 33% Mid-Market #### Pros & Cons **Pros:** - Collections Efficiency (5 reviews) - Automation (4 reviews) - Time Saving (4 reviews) - Ease of Use (3 reviews) - Easy Integrations (3 reviews) **Cons:** - Poor Navigation (1 reviews) ### 19. [myFICO](https://www.g2.com/products/myfico/reviews) myFICO offers credit reporting and monitoring solutions. **Average Rating:** 4.2/5.0 **Total Reviews:** 13 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 9.6/10 (Category avg: 8.2/10) - **Financial Documents:** 8.3/10 (Category avg: 8.5/10) - **Customer Portal:** 8.6/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [myFICO](https://www.g2.com/sellers/myfico) - **Year Founded:** 1956 - **HQ Location:** Bozeman, Montana, United States - **Twitter:** @myfico (6,471 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) - **Ownership:** NYSE: FICO **Reviewer Demographics:** - **Company Size:** 54% Small-Business, 31% Mid-Market ### 20. [Growfin](https://www.g2.com/products/growfin/reviews) Growfin is an AI-driven accounts receivable management software that’s uniquely designed for B2B companies to make cash flow predictable, ensuring better capital efficiency. Get the visibility you need into the end-to-end collections process, automate follow-ups with AI agents and workflows based on payment risk, collaborate seamlessly with internal stakeholders and customers, and match & apply payments without manual effort. With Growfin, finance leaders can make strategic decisions based on actionable intelligence and drive growth. Key Benefits that Growfin’s customers like Greenhouse, Outcomes, Elise AI, Fourkites, Postman, and others have realised include: 27% Faster Cash Flows 33% Reduction in DSO 60% Decrease in Manual Efforts See how Growfin can transform your AR process and help you get paid faster. Contact us today. **Average Rating:** 4.5/5.0 **Total Reviews:** 67 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.0/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.3/10 (Category avg: 8.2/10) - **Financial Documents:** 7.2/10 (Category avg: 8.5/10) - **Customer Portal:** 7.3/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Growfin](https://www.g2.com/sellers/growfin) - **Year Founded:** 2020 - **HQ Location:** Wilmington, US - **Twitter:** @growfinapp (181 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/growfinapp/jobs (97 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Information Technology and Services, Computer Software - **Company Size:** 68% Mid-Market, 19% Enterprise #### Pros & Cons **Pros:** - Automation (8 reviews) - Ease of Use (8 reviews) - Collections Efficiency (7 reviews) - Customer Support (5 reviews) - Efficiency Improvement (5 reviews) **Cons:** - Limited Functionality (4 reviews) - Missing Features (4 reviews) - UX Improvement (4 reviews) - Limited Customization (3 reviews) - Limited Flexibility (3 reviews) ### 21. [You Need A Budget](https://www.g2.com/products/you-need-a-budget/reviews) You Need A Budget (YNAB) is a comprehensive personal finance software designed to help individuals take control of their finances through proactive budgeting. By implementing a unique methodology, YNAB empowers users to allocate every dollar they earn, plan for true expenses, adapt to financial changes, and break the paycheck-to-paycheck cycle. Key Features and Functionality: - Bank Synchronization: Securely link your bank accounts to automatically import transactions, ensuring your budget is always up-to-date. - Real-Time Updates: Access your budget across multiple devices, including computers, smartphones, and tablets, with automatic synchronization. - Goal Tracking: Set and monitor financial goals, such as saving for a vacation or paying off debt, with clear progress indicators. - Comprehensive Reporting: Utilize detailed reports and visualizations to analyze spending habits, net worth, and financial trends over time. - Loan Calculator: Plan and manage debt repayment strategies with tools that calculate interest savings and payoff timelines. - Educational Resources: Access a wealth of educational materials, including live workshops and guides, to enhance your financial literacy. Primary Value and User Solutions: YNAB addresses common financial challenges by providing a structured approach to budgeting that promotes mindful spending and saving. By assigning every dollar a specific purpose, users can prioritize expenses, prepare for unexpected costs, and make informed financial decisions. This proactive strategy helps users eliminate debt, build savings, and achieve financial stability. Additionally, YNAB's emphasis on flexibility allows users to adjust their budgets as circumstances change, ensuring continued financial control and peace of mind. **Average Rating:** 4.5/5.0 **Total Reviews:** 30 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.3/10 (Category avg: 8.2/10) - **Financial Documents:** 10.0/10 (Category avg: 8.5/10) - **Customer Portal:** 9.5/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [You Need A Budget](https://www.g2.com/sellers/you-need-a-budget) - **Year Founded:** 2004 - **HQ Location:** Lehi, US - **Twitter:** @ynab (37,362 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/3996804/ (198 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 90% Small-Business, 7% Enterprise #### Pros & Cons **Pros:** - Customer Support (1 reviews) - Ease of Use (1 reviews) - User Interface (1 reviews) **Cons:** - Expensive (1 reviews) - Sync Issues (1 reviews) ### 22. [Cogent](https://www.g2.com/products/cogent/reviews) Cogent is the most comprehensive collections, receivables and litigation management software for attorneys, collection agencies, debt buyers and creditors driving compliance, business optimization and easy integration. Cogent’s intelligent rules engine ensures that claims and cases are managed consistently, effectively and in compliance with client and regulatory requirements. Powered by the cloud, mobile, and a model database, Cogent comes with state-of-the-art data warehousing and business intelligence features and is scalable in number of users and volume of accounts. **Average Rating:** 4.4/5.0 **Total Reviews:** 10 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.3/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.3/10 (Category avg: 8.2/10) - **Financial Documents:** 8.3/10 (Category avg: 8.5/10) - **Customer Portal:** 10.0/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [Agreeya Solutions](https://www.g2.com/sellers/agreeya-solutions-ca47a95c-80cb-4441-bcfa-6cd4c6aae9a7) - **Year Founded:** 1999 - **HQ Location:** Folsom, US - **Twitter:** @AgreeYaGlobal (3,429 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/22003 (1,099 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 50% Small-Business, 40% Mid-Market ### 23. [Esker](https://www.g2.com/products/esker/reviews) Esker’s Agentic AI-powered solutions equip organizations with the intelligence, automation and orchestration needed to drive lasting success and sustainable growth. Our Source-to-Pay suite streamlines procurement processes, strengthens supplier relationships and ensures alignment with financial objectives across the enterprise. On the Order-to-Cash side, Esker enables businesses to enhance customer interactions, accelerate cash collection and build stronger, more resilient relationships. By combining AI-driven execution with end-to-end process orchestration, Esker delivers measurable efficiency, improved financial performance and value that scales — empowering the Office of the CFO to operate with greater control, agility and impact. **Average Rating:** 4.3/5.0 **Total Reviews:** 28 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 8.9/10 (Category avg: 8.8/10) **Seller Details:** - **Seller:** [Esker](https://www.g2.com/sellers/esker) - **Year Founded:** 1985 - **HQ Location:** Middleton WI - **Twitter:** @EskerInc (1,710 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/9675/ (703 employees on LinkedIn®) **Reviewer Demographics:** - **Company Size:** 43% Enterprise, 43% Mid-Market #### Pros & Cons **Pros:** - Customer Support (2 reviews) - Ease of Use (2 reviews) - Access Flexibility (1 reviews) - Accessibility (1 reviews) - Automation (1 reviews) **Cons:** - Approval Delays (1 reviews) - Approval Process (1 reviews) - Complex Workflow (1 reviews) - Inadequate Notifications (1 reviews) - Lack of Payment Options (1 reviews) ### 24. [FinFloh](https://www.g2.com/products/finfloh/reviews) FinFloh (https://finfloh.com) is an AI-driven CFOTech platform streamlining accounts receivables management and credit decision-making for modern finance teams. By seamlessly integrating with leading ERPs and CRMs, FinFloh leverages automation, machine learning, and predictive intelligence to streamline the entire invoice-to-cash cycle. Our solutions empower businesses to make smarter credit decisions, collect receivables faster, resolve disputes efficiently, auto-match invoices with payments and optimize cash flow with real-time insights and dynamic workflows. Features: - Automated Invoice delivery & Management - ML-driven Credit Risk Scoring - AI-driven Recommendations for Credit Terms, Contracts & Pricing fed into CRM - AI-driven Collections Follow-Ups & Worklist - Dispute Resolution Workflows with defined owners & TATs - Automated Invoice-Payment Recon/Cash Application Users love us and have rated FinFloh as High Performer, Easiest to Use and Best Meets Requirement in G2. FinFloh's other achievements - - Wharton Startup Challenge Winners - #1 Fintech Product of the Week in Product Hunt - Part of SalesForce ecosystem For more information, visit https://finfloh.com **Average Rating:** 4.9/5.0 **Total Reviews:** 39 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.6/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 8.3/10 (Category avg: 8.2/10) - **Financial Documents:** 10.0/10 (Category avg: 8.5/10) - **Customer Portal:** 8.3/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [FinFloh](https://www.g2.com/sellers/finfloh) - **HQ Location:** San Francisco Bay Area, US - **LinkedIn® Page:** https://www.linkedin.com/company/finfloh (7 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Computer Software, Information Technology and Services - **Company Size:** 51% Small-Business, 46% Mid-Market #### Pros & Cons **Pros:** - Collections Efficiency (15 reviews) - Automation (13 reviews) - Efficiency (9 reviews) - Efficiency Improvement (7 reviews) - Dispute Resolution (6 reviews) **Cons:** - Limited Automation (2 reviews) - Limited Customization (2 reviews) - Limited Flexibility (2 reviews) - Poor Reporting (2 reviews) - Inadequate Analytics (1 reviews) ### 25. [ezyCollect](https://www.g2.com/products/ezycollect/reviews) ezyCollect by Sidetrade automates account receivables for B2B. Our clients typically see a 40% reduction in overdue outstanding within the first 12 months. AR automation with 1. Credit insights based on live customer data and data from Experian which helps you identify the best customers and eliminate bad debts with business credit scores 2. SimplyPaid payments integration which allows you to add a 'pay now' button on your invoices - so your customers can pay you directly from the invoice. 3. Online credit applications which integrates credit insights and business credit scores - so you can customise your credit terms to your customer risk Why AR teams love ezyCollect by Sidetrade 1. Payment Write Back: Automatically record payments against customer invoices with Payment Write Back\* 2. Payment portal where customers can 'Pay Now' or 'Pay Later' and view all their invoices in one place 3.Customer Risk Ratings: Customize credit terms based on Customer Risk Ratings 4. Automated SMS, Email reminders and 'Thank You for your payment' emails Send Consolidated Reminders with invoices attached and build stronger relationships 5. Centralised Communications: See an overall record of your customer communication in one place 6. Call Scheduling: Get control of the AR workday for overdue invoices AR Dashboard Get a bird’s eye view of your AR with the AR Dashboard **Average Rating:** 4.7/5.0 **Total Reviews:** 23 **User Satisfaction Scores:** - **Has the product been a good partner in doing business?:** 9.0/10 (Category avg: 8.8/10) - **Collections Effectiveness:** 9.2/10 (Category avg: 8.2/10) - **Financial Documents:** 10.0/10 (Category avg: 8.5/10) - **Customer Portal:** 10.0/10 (Category avg: 8.3/10) **Seller Details:** - **Seller:** [ezyCollect](https://www.g2.com/sellers/ezycollect-09463b93-92ba-4ddc-888f-603cdeaca69a) - **Year Founded:** 2014 - **HQ Location:** Sydney, AU - **Twitter:** @ezyCollect (892 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/ezycollect/ (62 employees on LinkedIn®) **Reviewer Demographics:** - **Top Industries:** Accounting - **Company Size:** 80% Small-Business, 20% Mid-Market ## Parent Category [Accounting & Finance Software](https://www.g2.com/categories/accounting-finance) ## Related Categories - [Accounts Receivable Software](https://www.g2.com/categories/accounts-receivable) - [Payment Processing Software](https://www.g2.com/categories/payment-processing) - [Cash Flow Management Software](https://www.g2.com/categories/cash-flow-management) --- ## Buyer Guide ### What You Should Know About Credit and Collections Software ### Credit and Collections Software FAQs ### Most Popular FAQs #### Which Credit and Collections Software has the best reviews? Based on thousands of verified G2 reviews, these credit and collections platforms consistently earn the highest ratings across real user experiences: - [Kolleno](https://www.g2.com/products/kolleno/reviews) — A receivables and collections automation platform that centralizes dispute management, dunning workflows, and payment reconciliation in a single workspace, earning top marks for both usability and support quality. - [Upflow](https://www.g2.com/products/upflow/reviews) — A modern accounts receivable platform designed for B2B finance teams, praised for intuitive cash collection workflows, real-time AR analytics, and seamless integrations with accounting tools. - [Tesorio](https://www.g2.com/products/tesorio/reviews) — An AI-powered cash flow performance platform that automates collections outreach and forecasting, consistently rated highly by enterprise and mid-market finance teams for its predictive capabilities. - [Chargeflow](https://www.g2.com/products/chargeflow/reviews) — A chargeback automation platform built for eCommerce and subscription businesses, recognized for dramatically reducing dispute resolution time and recovering lost revenue with minimal manual effort. #### What are the benefits of using credit and collections management software? Credit and collections software solves one of finance's most persistent operational problems: the gap between invoicing and actually getting paid. The core benefits break down across four dimensions.  First, it eliminates the manual work of tracking outstanding invoices—automated dunning sequences, payment reminders, and escalation workflows replace spreadsheets and ad-hoc follow-ups, freeing AR staff to focus on high-value disputes rather than routine outreach.  Second, it gives finance teams real-time visibility into cash flow: aging reports, days sales outstanding (DSO) tracking, and payment likelihood scoring turn collections from reactive to strategic.  Third, it reduces risk by integrating credit intelligence—tools that flag high-risk accounts before credit is extended or surface early warning signals for customers experiencing payment stress.  Finally, it improves customer relationships by professionalizing the collections process: automated, personalized communication that reflects the right tone at each stage of an account's aging is better for relationships than inconsistent manual outreach. The result is faster cash conversion, lower DSO, and a finance team that operates with significantly more confidence and control. #### Which is the best credit and collections software for finance teams? Finance teams need collections tools that give AR analysts, credit managers, and CFOs visibility into the same data without requiring separate workflows. These platforms are consistently top-rated by finance professionals on G2: - [Tesorio](https://www.g2.com/products/tesorio/reviews) — An AR automation and cash flow forecasting platform built specifically for finance teams, combining AI-driven collections prioritization with real-time cash forecasting so teams can act on what matters most. - [Billtrust](https://www.g2.com/products/billtrust/reviews) — An order-to-cash automation platform that handles invoicing, payment capture, cash application, and collections in a unified workflow, widely adopted by mid-market and enterprise finance teams managing high invoice volumes. - [D&B Finance Analytics Credit Intelligence](https://www.g2.com/products/d-b-finance-analytics-credit-intelligence/reviews) — A credit risk intelligence platform that gives finance teams predictive scoring, portfolio monitoring, and Dun & Bradstreet data to make faster, better-informed credit decisions at scale. - [Gaviti](https://www.g2.com/products/gaviti/reviews) — An AR collections management platform that gives finance teams a structured workspace for managing customer communication, tracking open invoices, and measuring collector performance across the full receivables portfolio. #### Best platforms for integrating credit management with ERP ERP integration is a non-negotiable for finance teams running collections alongside SAP, Oracle, NetSuite, or Microsoft Dynamics—data needs to flow in both directions without manual export and re-import. These platforms earn the strongest marks from G2 reviewers specifically for their ERP connectivity: - [Tesorio](https://www.g2.com/products/tesorio/reviews) — A cash flow and AR platform with deep native integrations to NetSuite, Salesforce, and major ERPs, enabling real-time sync of invoice data, payment status, and cash forecast without manual intervention. - [HighRadius Accounts Receivables](https://www.g2.com/products/highradius-accounts-receivables/reviews) — An enterprise-grade order-to-cash platform with certified ERP integrations across SAP, Oracle, and Microsoft Dynamics, designed to automate cash application, collections, and credit decisioning within an existing ERP architecture. - [Billtrust](https://www.g2.com/products/billtrust/reviews) — An order-to-cash platform with broad ERP integration support and a Business Payments Network that connects AR data to customer payment portals, reducing reconciliation overhead for teams running complex ERP environments. - [Upflow](https://www.g2.com/products/upflow/reviews) — A modern AR platform with pre-built integrations to QuickBooks, NetSuite, Xero, and Salesforce, praised by reviewers for fast implementation and reliable bi-directional data sync that eliminates duplicate data entry. #### Which credit and collections software offers the lowest fees? Pricing in this category varies widely—from consumption-based chargeback recovery fees to per-seat SaaS models to usage-tiered subscriptions. For organizations prioritizing cost efficiency, the tools most frequently cited by G2 reviewers for delivering strong value relative to price include: - [Chaser](https://www.g2.com/products/chaser/reviews) — A cloud-based accounts receivable and credit control platform offering transparent, tiered pricing accessible to small businesses, with automated payment chasing and credit checking capabilities that don't require enterprise-level investment. - [Upflow](https://www.g2.com/products/upflow/reviews) — An accounts receivable platform with pricing structured around active customers rather than seats, making it cost-effective for growing teams that process variable invoice volumes across months. - [Gaviti](https://www.g2.com/products/gaviti/reviews) — An AR collections platform with flexible pricing tiers designed to be accessible for mid-market finance teams that need automation without the implementation cost and contract complexity of enterprise solutions. - [Kolleno](https://www.g2.com/products/kolleno/reviews) — A collections and receivables platform that reviewers consistently cite for delivering enterprise-quality automation at a price point that smaller finance teams can justify, with pricing that scales alongside AR volume rather than headcount. ### Small Business FAQs #### What is the most affordable Credit and Collections Software for SMBs? Small businesses managing accounts receivable on lean budgets need collections tools that automate the most time-consuming tasks—payment reminders, overdue escalations, and reconciliation—without requiring a dedicated AR team or a six-figure implementation. Based on G2 review data from companies under 200 employees, these platforms offer the strongest combination of affordability and usability: - [Chaser](https://www.g2.com/products/chaser/reviews) — A UK-based credit control and AR chasing platform built for small businesses, with accessible pricing, automated payment reminders, and direct integrations to QuickBooks and Xero that eliminate manual follow-up for teams without a full AR function. - [Upflow](https://www.g2.com/products/upflow/reviews) — A modern AR platform with competitive pricing for small B2B teams, offering automated dunning sequences, payment portals, and clear AR analytics without the setup complexity or cost of enterprise tools. - [Kolleno](https://www.g2.com/products/kolleno/reviews) — A collections automation platform praised by small business reviewers for its intuitive setup, strong support responsiveness, and pricing that's accessible without sacrificing the automation depth most SMBs need to reduce DSO. - [Chargeflow](https://www.g2.com/products/chargeflow/reviews) — A chargeback recovery platform with a success-based fee model that makes it cost-effective for small eCommerce and subscription businesses—teams only pay when disputes are won, removing upfront risk. #### What is the best Credit and Collections Software for startups? Startups need collections and credit tools that set up quickly, integrate cleanly with existing accounting stacks, and don't require dedicated finance headcount to operate. These platforms are consistently top-rated by startup and early-stage company reviewers on G2: - [Upflow](https://www.g2.com/products/upflow/reviews) — A fast-deploying AR platform purpose-built for B2B startups, connecting to existing accounting tools in hours and providing automated collections workflows that let small teams collect faster without adding headcount. - [Chargeflow](https://www.g2.com/products/chargeflow/reviews) — An AI-driven chargeback automation platform popular with eCommerce and SaaS startups, fully automating dispute response and recovery so founders and ops teams can stop managing chargebacks manually. - [Invoiced](https://www.g2.com/products/invoiced/reviews) — A billing and AR automation platform with strong ratings from startup reviewers for its clean interface, flexible payment options, and ability to scale from a handful of customers to hundreds without workflow changes. - [Tesorio](https://www.g2.com/products/tesorio/reviews) — A cash flow performance platform that helps startups move from reactive collections to proactive cash management, with AI-driven payment predictions that give early-stage finance leads visibility into exactly when cash will land. #### Which Credit and Collections Software is the most user-friendly for startups? Ease of use matters most when collections software has to be operated by a founder, a generalist ops person, or a small finance team without AR-specific training. These platforms earn the highest ease-of-use scores from startup-size reviewers on G2: - [Invoiced](https://www.g2.com/products/invoiced/reviews) — A billing and collections platform consistently praised for its clean, intuitive interface that non-finance users can navigate confidently from day one, with automated workflows that don't require complex configuration to deliver value. - [Upflow](https://www.g2.com/products/upflow/reviews) — Reviewers at small and growing companies frequently cite Upflow's onboarding experience and dashboard clarity as standout differentiators, making it easy for lean teams to get up and running without dedicated implementation support. - [Chargeflow](https://www.g2.com/products/chargeflow/reviews) — A chargeback platform that startup reviewers describe as nearly fully autonomous after initial setup, requiring minimal ongoing user interaction once connected to payment processors and eCommerce platforms. - [Kolleno](https://www.g2.com/products/kolleno/reviews) — An AR and collections platform with a guided, structured interface that small business reviewers highlight for making even complex multi-step collections workflows accessible to users who are managing AR alongside other responsibilities. #### What is the best credit and collections software for small accounting firms? Accounting firms managing collections on behalf of multiple clients need software that handles multi-entity workflows, maintains clean audit trails, and scales across a diverse client portfolio. Explore purpose-built options on G2's[credit and collections software for small businesses](https://www.g2.com/categories/credit-and-collections/small-business) page. These platforms are consistently favored by accounting-industry reviewers: - [Creditsafe](https://www.g2.com/products/creditsafe/reviews) — A business credit intelligence platform widely used by accounting professionals for credit risk assessment, company financial data, and monitoring client and prospect creditworthiness across a broad international database. - [Chaser](https://www.g2.com/products/chaser/reviews) — An AR chasing and credit control platform designed with accountants in mind, offering multi-client management, automated payment reminders, and Xero/QuickBooks integration that fits directly into an existing accounting firm workflow. - [Gaviti](https://www.g2.com/products/gaviti/reviews) — A collections management platform that accounting firm reviewers cite for its clear invoice tracking, customizable communication templates, and ability to manage collections across multiple entities without losing visibility into each client's AR status. - [Nuvo](https://www.g2.com/products/nuvo/reviews) — A credit application and onboarding platform that streamlines the B2B credit decisioning process for trade credit, helping accounting and finance teams collect, verify, and store customer credit information in a structured, auditable way. #### How can small businesses reduce days sales outstanding (DSO) without hiring more staff? Reducing DSO without adding headcount is exactly the problem credit and collections automation is built to solve. The most effective lever for small businesses is replacing manual, inconsistent follow-up with automated dunning sequences that send the right message at the right cadence—before, on, and after each invoice due date—without requiring someone to manually track every open balance.  Platforms like[](https://www.g2.com/products/upflow/reviews)[Upflow](https://www.g2.com/products/upflow/reviews) and[](https://www.g2.com/products/chargeflow/reviews)[Chargeflow](https://www.g2.com/products/chargeflow/reviews) are specifically designed around this use case, automating outreach and surfacing only the accounts that genuinely need human attention. For the credit side, tools like[](https://www.g2.com/products/creditsafe/reviews)[Creditsafe](https://www.g2.com/products/creditsafe/reviews) help small businesses reduce DSO upstream—by setting appropriate credit limits and terms before extending credit to customers who are likely to pay slowly or not at all. ### Enterprise FAQs #### What is the best-rated Credit and Collections Software for tech enterprises? Technology companies at enterprise scale have specific AR challenges: high invoice volumes across recurring and usage-based contracts, finance teams embedded in fast-moving business environments, and a strong preference for tools that integrate cleanly with existing SaaS stacks. Based on G2 review data from IT and software companies at enterprise scale, these platforms earn the strongest ratings: - [Tesorio](https://www.g2.com/products/tesorio/reviews) — A cash flow performance platform with particularly strong adoption and ratings among SaaS and tech enterprise finance teams, offering AI-driven collections prioritization and cash forecasting that integrates tightly with NetSuite and Salesforce. - [HighRadius Accounts Receivables](https://www.g2.com/products/highradius-accounts-receivables/reviews) — An order-to-cash automation platform purpose-built for enterprise scale, with AI-powered cash application, credit risk management, and collections automation widely deployed across large tech and software organizations. - [Billtrust](https://www.g2.com/products/billtrust/reviews) — An end-to-end order-to-cash platform with enterprise-grade security, ERP integrations, and a Business Payments Network that tech enterprises use to streamline high-volume invoicing and payment operations across their customer base. - [Upflow](https://www.g2.com/products/upflow/reviews) — A modern AR platform with strong adoption among growth-stage and enterprise tech companies seeking to replace legacy AR processes with automated, analytics-driven collections workflows that integrate cleanly with modern finance stacks. #### What is the most reliable Credit and Collections Software tool for enterprises? Enterprise reliability in this category means audit-ready workflow consistency, SLA-backed uptime, and data integrity across high-volume invoices and complex approval hierarchies. These tools earn the strongest trust signals from large enterprise reviewers on G2: - [Billtrust](https://www.g2.com/products/billtrust/reviews) — One of the most established platforms in enterprise order-to-cash automation, with a proven track record across large-scale deployments, SOC 2 compliance, and consistent performance managing millions of invoice transactions annually. - [HighRadius Accounts Receivables](https://www.g2.com/products/highradius-accounts-receivables/reviews) — An enterprise AR platform with deep process automation for cash application, deductions management, and collections, trusted by Fortune 500 companies for its ability to handle complex, high-volume AR environments reliably. - [Tesorio](https://www.g2.com/products/tesorio/reviews) — A cash flow performance platform consistently rated by enterprise reviewers for accurate payment predictions, stable ERP integrations, and a platform that finance teams can depend on for month-end close and cash reporting. - [D&B Finance Analytics Credit Intelligence](https://www.g2.com/products/d-b-finance-analytics-credit-intelligence/reviews) — A credit risk platform backed by Dun & Bradstreet's global data infrastructure, providing enterprise finance teams with dependable credit scoring, portfolio monitoring, and risk alerts that inform consistent credit policy decisions at scale. #### What is the best-reviewed Credit and Collections Software for enterprise app integration? Integration reliability is a primary evaluation criterion for enterprise AR teams that need collections software to sync bidirectionally with ERP systems, CRM platforms, and treasury management tools. These platforms are most frequently cited by enterprise reviewers for integration depth and stability: - [Tesorio](https://www.g2.com/products/tesorio/reviews) — Consistently the top-reviewed enterprise platform for integration quality, with native connectors to NetSuite, Salesforce, and major ERPs that enterprise reviewers describe as reliable, real-time, and requiring minimal ongoing maintenance. - [HighRadius Accounts Receivables](https://www.g2.com/products/highradius-accounts-receivables/reviews) — An enterprise order-to-cash platform with certified integrations to SAP, Oracle, and Microsoft Dynamics, frequently selected by enterprises specifically for its ability to embed deeply into complex, multi-system financial architectures. - [Billtrust](https://www.g2.com/products/billtrust/reviews) — An order-to-cash platform with a broad integration ecosystem spanning ERPs, payment processors, and banking networks, praised by enterprise reviewers for reducing the manual data transfer burden across AR-adjacent systems. - [Gaviti](https://www.g2.com/products/gaviti/reviews) — An AR collections platform with ERP and accounting integrations that enterprise reviewers highlight for quick deployment and clean data sync, making it a practical choice for enterprises looking to layer automation onto an existing ERP without a lengthy IT project. #### What should enterprise buyers evaluate when selecting credit and collections software? Enterprise selection of credit and collections software requires a more rigorous evaluation than most SaaS purchases—the stakes involve both operational efficiency and financial risk. Review G2's[enterprise credit and collections software](https://www.g2.com/categories/credit-and-collections/enterprise) page for structured side-by-side comparisons. Key dimensions that surface consistently in enterprise reviewer feedback include: ERP and CRM integration depth and certification status, scalability of workflow automation across high invoice volumes and multi-entity structures, AI and machine learning capabilities for cash application accuracy and payment prediction, audit trail completeness for SOX and internal compliance requirements, deductions and dispute management capability, customer portal quality (which directly affects payer experience and payment speed), and the quality of implementation and ongoing customer success support.  Enterprise reviewers of platforms like[](https://www.g2.com/products/highradius-accounts-receivables/reviews)[HighRadius Accounts Receivables](https://www.g2.com/products/highradius-accounts-receivables/reviews) and[](https://www.g2.com/products/billtrust/reviews)[Billtrust](https://www.g2.com/products/billtrust/reviews) consistently note that implementation complexity and post-go-live support quality are as important to long-term satisfaction as the platform's feature set. #### What is the best credit and collections software for managing high-volume chargeback disputes at scale? High-volume chargeback management at enterprise scale requires automation that can process dispute evidence, track deadlines across multiple payment processors, and recover revenue without requiring a large manual review team. Explore purpose-built tools on G2's[enterprise credit and collections](https://www.g2.com/categories/credit-and-collections/enterprise) page. These platforms are most highly rated for chargeback and dispute management: - [Chargeflow](https://www.g2.com/products/chargeflow/reviews) — An AI-powered chargeback automation platform that generates dispute evidence packages and submits them automatically across multiple payment processors, with enterprise reviewers citing significant win rate improvements and near-elimination of manual dispute handling. - [Billtrust](https://www.g2.com/products/billtrust/reviews) — An order-to-cash platform with a dedicated deductions and dispute management module that enterprise teams use to automate the resolution of short pays, chargebacks, and customer deductions at high volume across complex AR environments. - [HighRadius Accounts Receivables](https://www.g2.com/products/highradius-accounts-receivables/reviews) — An enterprise AR platform with AI-assisted deductions management that automatically codes, researches, and routes disputes for resolution, reducing the manual investigation workload for large AR teams managing thousands of open deductions monthly. - [Versapay](https://www.g2.com/products/versapay/reviews) — A collaborative AR platform that addresses dispute resolution by giving customers a self-service portal to raise and resolve disputes in real time, reducing the back-and-forth that typically delays chargeback and short pay resolution in enterprise environments. Last updated on April 23, 2026