# Best Credit and Collections Software - Page 17

## How Many Credit and Collections Software Products Does G2 Track?

**Total Products under this Category:** 300

### Category Stats (Aug 2026)

- **Average Rating:** 4.34/5 The average rating of products in this category, based on all submitted ratings
- **Top Trending Product:** Versapay (+0.24%) - Among all products in this category, Versapay recorded the largest rating increase compared to last month

_Last updated: August 01, 2026_

## How Does G2 Rank Credit and Collections Software Products?

**Why You Can Trust G2's Software Rankings:**

- 30 Analysts and Data Experts
- 3,700+ Authentic Reviews
- 300+ 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.

## G2 Grid® for Credit and Collections Software
 ![G2 Grid® for Credit and Collections Software plotting products by satisfaction and market presence](https://www.g2.com/categories/credit-and-collections/grids.png?focus%5B%5D=5514&focus%5B%5D=95296&focus%5B%5D=17701&focus%5B%5D=23596&focus%5B%5D=159197&focus%5B%5D=39200&focus%5B%5D=41463&focus%5B%5D=89360)

Highlighted products: Creditsafe, D&B Finance Analytics Credit Intelligence, Billtrust, Quadient Accounts Receivable, Chargeflow, HighRadius Accounts Receivables, Tesorio, and Upflow.

Underlying data: [Grid® JSON](https://www.g2.com/categories/credit-and-collections/grids.json?focus%5B%5D=creditsafe&focus%5B%5D=d-b-finance-analytics-credit-intelligence&focus%5B%5D=billtrust&focus%5B%5D=quadient-accounts-receivable&focus%5B%5D=chargeflow-inc-chargeflow&focus%5B%5D=highradius-corporation&focus%5B%5D=tesorio&focus%5B%5D=upflow-upflow)

**Sponsored**

### Fullbay

Never get behind on invoicing, scheduling or miss adding a parts charge to a customers bill again! Fullbay streamlines your shop’s processes, leading to more efficient techs and happier customers. Track preventive maintenance, submit DVIR reports, and give your clients access to authorize work and check on the status of their repair through our customer portal. Fullbay lives in the cloud, meaning you can access it from anywhere -- even while you’re on vacation. Don’t shackle yourself to the shop any longer; get Fullbay and get back to your life. Some Frequent Q/A's: In what ways can Fullbay help me increase technician efficiency? Fullbay has the capability to track tech efficiency and utilization in real time. By knowing tech efficiency, you can increase revenue per labor hour and manage your shop better. How can Fullbay help my mobile techs? Fullbay works on any device that connects to the internet. So, your mobile techs can create an estimate, create invoices, and collect payments- all from the side of the road. How can Fullbay help me manage my inventory? With Fullbay, a shop can track parts to service orders, manage returns, mark up parts, and use a vendor portal to order parts quickly. These features help shops drastically reduce inventory losses, increase revenue on parts, and minimize the time it takes to get the parts needed to complete repairs. How can Fullbay help my shop increase our level of customer service? Fullbay provides a customer portal for all of your customers. The portal allows your customers to see the progress of their repairs, their repair history, invoices and payments. This feature reduces calls to your office and offers transparency between the shop and the customers. Don't forget to check out our free tools you can use today for your shop: -VIN Decoder (fullbay.com/tools/vin/) -Shop Profit Calculator (fullbay.com/tools/roi/) -Parts Markup (fullbay.com/tools/markup/)

[Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list_llm&secure%5Bcategory_id%5D=1537&secure%5Bchosen_at%5D=2026-08-04T23%3A50%3A10Z&secure%5Bdisplayable_resource_id%5D=1003836&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=retargeted_product&secure%5Bplacement_resource_ids%5D%5B%5D=64620&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=64620&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%3Fpage%3D17&secure%5Btoken%5D=1253ac15cefac1908789e2bc3f479df662884e6cc456102a204bec8179a1f0da&secure%5Burl%5D=https%3A%2F%2Fwww.fullbay.com%2Fheavy-duty-software-demo%2F%3Futm_source%3DG2%26utm_medium%3Dppc%26utm_campaign%3Dheavydutyrepair&secure%5Burl_type%5D=custom_url)

### [LeanPay](https://www.g2.com/products/leanpay/reviews)

LeanPay is collection software designed for the financial teams of small and medium-sized businesses. Cut the time spent on customer reminders by a factor of 4, and reduce your DSO by an average of 20%. 97.5% of invoices are paid thanks to internalized dunning. - Plan your customer reminders: customizable reminder plans, possible automation, PDF invoices attached to e-mails. - Monitor your receivables in real time: DSO, outstanding receivables, aged trial balance, etc. - Simplify customer payments: customer portal, online payment, simplified bank reconciliation Benefits : Compatible with ALL softwares Set-up in 30 minutes Reactive support

#### Who Is the Company Behind LeanPay?

- **Seller:** [LeanPay](https://www.g2.com/sellers/leanpay)
- **Year Founded:** 2020
- **HQ Location:** Lille, FR
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=5cf690e5805c4ba3cf3d42e16ccbfc43a0be599226d6d00b283eb8d2dcce0bf7&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fleanpay-fr&secure%5Burl_type%5D=linkedin_company_website)  
20 employees on LinkedIn®

### [LexisNexis Identity Contact Resolution](https://www.g2.com/products/lexisnexis-identity-contact-resolution/reviews)

LexisNexis Identity Contact Resolution can help agencies collect more of the debt that is owed by resolving the identity of debtors which results in improved efficiency of collection efforts and increased revenue from old debt, intercept lists and debt offset programs.

#### Who Is the Company Behind LexisNexis Identity Contact Resolution?

- **Seller:** [LexisNexis Risk Solutions](https://www.g2.com/sellers/lexisnexis-risk-solutions)
- **HQ Location:** Alpharetta, Georgia, United States
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=410738a2466e910e046daa6666cfd545df8be397c0ff2f0875b6ff5d4bc1cc63&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Flexisnexis-risk-solutions&secure%5Burl_type%5D=linkedin_company_website)  
9,858 employees on LinkedIn®

### [LexisNexis Revenue Recovery](https://www.g2.com/products/lexisnexis-revenue-recovery/reviews)

LexisNexis Risk Solutions, a leader in debt recovery solutions offers a comprehensive suite of tools that address the three phases of collections: Segmenting, Locating and Collecting and Monitoring.

#### Who Is the Company Behind LexisNexis Revenue Recovery?

- **Seller:** [LexisNexis Risk Solutions](https://www.g2.com/sellers/lexisnexis-risk-solutions)
- **HQ Location:** Alpharetta, Georgia, United States
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=410738a2466e910e046daa6666cfd545df8be397c0ff2f0875b6ff5d4bc1cc63&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Flexisnexis-risk-solutions&secure%5Burl_type%5D=linkedin_company_website)  
9,858 employees on LinkedIn®

### [LexisNexis RiskView Payment Score](https://www.g2.com/products/lexisnexis-riskview-payment-score/reviews)

RiskView™ Payment Score uses predictive analytics to deliver a dual-performance score, ranking accounts based on their likelihood to repay in three months and their capacity to repay the highest percentage of outstanding debt.

#### Who Is the Company Behind LexisNexis RiskView Payment Score?

- **Seller:** [LexisNexis Risk Solutions](https://www.g2.com/sellers/lexisnexis-risk-solutions)
- **HQ Location:** Alpharetta, Georgia, United States
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=410738a2466e910e046daa6666cfd545df8be397c0ff2f0875b6ff5d4bc1cc63&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Flexisnexis-risk-solutions&secure%5Burl_type%5D=linkedin_company_website)  
9,858 employees on LinkedIn®

### [LexisNexis Smartcleanse](https://www.g2.com/products/lexisnexis-smartcleanse/reviews)

LexisNexis® Smartcleanse® is a suite of data management services designed to proactively cleanse, enrich and consolidate customer data at scale, uncovering deeper insights that help improve business outcomes.

#### Who Is the Company Behind LexisNexis Smartcleanse?

- **Seller:** [LexisNexis Risk Solutions](https://www.g2.com/sellers/lexisnexis-risk-solutions)
- **HQ Location:** Alpharetta, Georgia, United States
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=410738a2466e910e046daa6666cfd545df8be397c0ff2f0875b6ff5d4bc1cc63&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Flexisnexis-risk-solutions&secure%5Burl_type%5D=linkedin_company_website)  
9,858 employees on LinkedIn®

### [Loxon Collection](https://www.g2.com/products/loxon-collection/reviews)

Loxon’s next-generation Collection System is a business solution designed to support financial institutions with personalised collection strategies and strengthened customer relationships. It focuses on omnichannel communications and self-service payment methods so banks can build closer relationships with customers, ultimately leading to better solvency and financial returns.

#### Who Is the Company Behind Loxon Collection?

- **Seller:** [Loxon](https://www.g2.com/sellers/loxon)
- **Year Founded:** 2000
- **HQ Location:** Budapest, HU
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=3eb7257556b3336591a8bacec343a8d565da865e7930ada5d3fc8c67c491fd8b&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Floxon&secure%5Burl_type%5D=linkedin_company_website)  
198 employees on LinkedIn®

### [masterQueue](https://www.g2.com/products/masterqueue/reviews)

masterQueue is a web based skip tracing and collection software that combines artificial intelligence with public records data, in order to efficiently locate lost customers or assets.

#### Who Is the Company Behind masterQueue?

- **Seller:** [Intellaegis](https://www.g2.com/sellers/intellaegis)
- **Year Founded:** 2011
- **HQ Location:** El Dorado Hills, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=04c404437473367b13485141ef63a7cbeb8330d9fea9cb85f708ff896673a9b6&secure%5Burl%5D=http%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fmasterqueue-powered-by-intellaegis&secure%5Burl_type%5D=linkedin_company_website)  
32 employees on LinkedIn®

### [MeridianLink Collect](https://www.g2.com/products/meridianlink-collect/reviews)

MeridianLink® Collect is a cloud-based debt collection software that helps financial institutions stay ahead of delinquency and maximize recovery efforts. With intelligent automation, flexible omnichannel communication, and real-time oversight, MeridianLink Collect transforms debt recovery into a proactive, data-driven strategy that improves outcomes and accountholder experiences. - Real-Time Dashboards: Monitor case activity, team performance, and portfolio health with clear, real-time dashboards that help teams manage workloads, track progress, and quickly make informed decisions. - Pre-Built Reports: Access customizable pre-built reports powered by a robust reporting engine and automate delivery to save time while gaining clear, actionable insights. - Propensity-To-Pay Scoring: Boost recovery rates with intelligent Propensity-To-Pay scoring that directs collector focus to the accounts most likely to be resolved. - Predictive Collection Index: Apply machine learning to forecast repayment likelihood, prioritize accounts with the highest recovery potential, and streamline collections strategies for stronger results. - Effective, Automated Outreach: Reach accountholders through customizable automated email, SMS, phone, or online portal messages to increase response rates and improve repayment outcomes. - Self-Service Experience: Virtual self-service options streamline accountholder experiences and move delinquent accounts to resolution sooner. - Compliant Technology: Built-in regulatory controls help your institution stay aligned with industry standards and compliance expectations at every stage of collections. - Custom Queues & Data Fields: Capture and track key information with customizable work queues and custom data fields. - Batch Document Generation: Simplify document workflows with automated creation for letters, campaigns, and records management. - Core & Third-Party System Connectivity: Seamlessly connect to your core system and trusted third-party solutions through powerful REST APIs and batch updates for accurate, real-time data flow.

#### Who Is the Company Behind MeridianLink Collect?

- **Seller:** [MeridianLink](https://www.g2.com/sellers/meridianlink)
- **Year Founded:** 1998
- **HQ Location:** Costa Mesa, CA
- **Twitter:** @meridianlink  
500 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=9ce1924f663f206c2d786ac387be284a1bb887251e64692df6e0d21aa8df2744&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2F93023%2F&secure%5Burl_type%5D=linkedin_company_website)  
680 employees on LinkedIn®
- **Ownership:** NYSE: MLNK

### [Metro2](https://www.g2.com/products/metro2/reviews)

Metro2 is a cloud-based credit reporting software built by Switch Labs that enables businesses to generate, validate, and submit Metro 2 formatted credit reports to all three major credit bureaus — Equifax, Experian, and TransUnion. Designed for lenders, property managers, rent-to-own retailers, and financial service providers, Metro2 simplifies the complex Metro 2 reporting format with an intuitive web interface that requires no technical expertise or prior credit reporting experience. The platform handles the entire credit reporting workflow from start to finish. Users can create and manage consumer account records through a guided data entry process, with built-in validation that catches formatting errors and compliance issues before submission. Metro2 automatically generates properly formatted Metro 2 files that meet the specifications required by the Consumer Data Industry Association (CDIA), ensuring every submission is bureau-ready. Key features include automated error checking and data validation, direct bureau submission via e-OSCAR (the Online Solution for Complete and Accurate Reporting), bulk record management for high-volume reporters, and a complete audit trail for compliance documentation. The platform supports all standard Metro 2 account types, status codes, and special comment codes, giving businesses full flexibility in how they report consumer credit data. Metro2 is particularly well-suited for businesses that are new to credit reporting or those looking to move away from manual file formatting. The software eliminates the need to understand the raw Metro 2 file specification — a 200+ page technical document — by translating the requirements into simple form fields with clear labels and inline help text. Real-time validation highlights issues as users enter data, dramatically reducing rejection rates from the bureaus. For organizations managing larger portfolios, Metro2 offers bulk upload capabilities via CSV import, allowing users to upload hundreds or thousands of records at once. The platform validates each record individually and provides a detailed error report, making it easy to correct issues before submitting to the bureaus. Metro2 offers flexible pricing plans starting at $19 per month for small portfolios up to 100 records, with plans scaling to support enterprises managing tens of thousands of accounts. All plans include unlimited bureau submissions, data validation, and access to the full Metro2 platform. A dedicated Enterprise tier is available for organizations with custom volume, compliance, or integration requirements. Built and maintained by Switch Labs in San Francisco, Metro2 is designed with security and compliance at its core, helping businesses establish and maintain responsible credit reporting operations.

#### Who Is the Company Behind Metro2?

- **Seller:** [Switch Labs](https://www.g2.com/sellers/switch-labs)
- **HQ Location:** United States
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=4880a7b0869b1341efb7a5e69f86062d3ae842a74f2f0e16a37d36a78c2035f3&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fswitch-labs-lc%2F&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [Moonflow](https://www.g2.com/products/moonflow/reviews)

Moonflow redefines debt management with its innovative cloud-based software. Tailored for financial institutions, businesses, and individuals handling over 1000 accounts monthly, Moonflow slashes collection costs by an impressive 75%. The platform offers diverse packages, accommodating varied client profiles, from startups to enterprises with up to 25,000 active customers. Moonflow empowers users with precise account segmentation, facilitating personalized communication and automated flows. Distinctively, it supports custom debt collection web pages, enhancing client engagement. The open-source nature of Moonflow fosters continuous improvement through developer and user input. This ensures the platform remains at the forefront of debt management technology. With zero implementation costs and no minimum commitment period, Moonflow offers a risk-free solution. It adapts seamlessly to diverse business needs, strengthening the debt recovery process for startups and established corporations alike. Revolutionize debt management with Moonflow and experience efficiency, adaptability, and enhanced customer relationships in one powerful package.

#### Who Is the Company Behind Moonflow?

- **Seller:** [Moonflow](https://www.g2.com/sellers/moonflow)
- **HQ Location:** N/A
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7886df2ed926834e5eb248c77dcfa8e5c815d3ab1f0fe3132ced0dba45868834&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2FNo-Linkedin-Presence-Added-Intentionally-By-DataOps&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [MY DSO MANAGER](https://www.g2.com/products/my-dso-manager/reviews)

Improve your Cash Flow with an efficient and intuitive Cash Collection Software !

#### Who Is the Company Behind MY DSO MANAGER?

- **Seller:** [My DSO Manager](https://www.g2.com/sellers/my-dso-manager)
- **Year Founded:** 2015
- **HQ Location:** Meylan, FR
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=6fd54010a7b447fdbb53578c6ae9596e2384f9307897bee8de67e1f191d716be&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fmy-dso-manager%2F&secure%5Burl_type%5D=linkedin_company_website)  
28 employees on LinkedIn®

### [Nectarine Credit](https://www.g2.com/products/nectarine-credit/reviews)

Nectarine Credit is a credit risk management solution that facilitates the management of commercial credit applications and credit decisioning. Users can create a custom credit application, send it to their customers, and approve or deny the applications directly from the application. Nectarine Credit includes a customer dashboard, automated vendor reference check and, automated bank verifications.

#### Who Is the Company Behind Nectarine Credit?

- **Seller:** [Nectarine Credit](https://www.g2.com/sellers/nectarine-credit)
- **Year Founded:** 2020
- **HQ Location:** Victoria, CA
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=4d33ce0a35b1c96b3f996f370c7079c9fb557f75dd2772b8e183771e89577ffb&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fnectarine-credit&secure%5Burl_type%5D=linkedin_company_website)  
5 employees on LinkedIn®

### [Neofin](https://www.g2.com/products/neofin-neofin-tecnologia-neofin/reviews)

Neofin is an AI-powered accounts receivable and collections platform that transforms debt collection from a stressful, manual process into an intelligent, automated workflow. By integrating with banks, ERPs, and financial systems, Neofin centralizes data to identify customer payment behavior, assess risk, and determine the most effective collection strategy for each debtor. Through AI and automation, businesses can recover more revenue, reduce manual effort, and improve operational efficiency. Instead of spending countless hours chasing overdue payments, finance teams can focus on strategic and complex cases while Neofin automates repetitive collection tasks across multiple channels. Debt collection doesn't have to be a nightmare. With Neofin, it's simply smarter, faster, and more effective.

#### Who Is the Company Behind Neofin?

- **Seller:** [Neofin](https://www.g2.com/sellers/neofin-2026-07-23)
- **HQ Location:** São Paulo, BR
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=18eab6aad92a74945f1acf52ebece78ec12f07b8c7a355b75aa900b04c0821b7&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fneofintecnologia&secure%5Burl_type%5D=linkedin_company_website)  
77 employees on LinkedIn®

### [Nikkita.ai](https://www.g2.com/products/nikkita-ai/reviews)

Nikkita.ai is an AI-powered platform that automates credit and collections workflows, helping businesses streamline debt recovery, reduce manual tasks, and improve cash flow through intelligent automation and AI agents.

#### Who Is the Company Behind Nikkita.ai?

- **Seller:** [Krauss & Livic](https://www.g2.com/sellers/krauss-livic)
- **HQ Location:** New York, Buenos Aires
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7886df2ed926834e5eb248c77dcfa8e5c815d3ab1f0fe3132ced0dba45868834&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2FNo-Linkedin-Presence-Added-Intentionally-By-DataOps&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®
- **Ownership:** Mariano STEMPLER - Krauss & Livic Management 

### [OnGuard Connext](https://www.g2.com/products/onguard-connext/reviews)

We make software for managing credit, collections, complaints and cash application.

#### Who Is the Company Behind OnGuard Connext?

- **Seller:** [OnGuard](https://www.g2.com/sellers/onguard)
- **HQ Location:** Amsterdam Zuidoost, NL
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=1a4438f49fbd562e878bd980e0abffb063e3e2ac7c1336c8d6fbd4a796a67f2d&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fonguard%2F&secure%5Burl_type%5D=linkedin_company_website)  
123 employees on LinkedIn®

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 ![Nathan Calabrese](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Nathan Calabrese")
NC

Researched and written by [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)

Updated October 3, 2024

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

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