# Best Credit and Collections Software - Page 18

## 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**

### Insightful

Insightful is a Work Intelligence platform that helps organizations understand how work actually happens across people, processes, and AI, so they can improve performance, optimize workflows, and reduce operational waste. When work is spread across people, locations, and tools, small gaps add up fast. Time goes missing. Work slows down. Problems surface late. Insightful brings this together in one platform, built to help organizations optimize People, Process, and Technology through three core capabilities: 1. Workforce Analytics: Measure workforce productivity, utilization, and performance with real-time visibility into how work gets done. 2. Workflow Optimization: Identify bottlenecks, eliminate inefficiencies, and optimize workflows across teams and processes. 3. Work Intelligence: Measure AI adoption, usage, and business impact to maximize the ROI of your AI investments. With a customizable dashboard, users can create a custom layout with configurable widgets to surface the KPIs and insights most relevant to their role. You can see where time is going, how AI is being absorbed across your organization, how teams are performing, and where work is breaking down, without relying on manual tracking or guesswork. With Insightful, you can: - Understand how work happens across teams, processes, and AI - Spot drops in utilization and output early - Track AI adoption, usage, and business impact - See your most important KPIs and insights at a glance with a customizable homepage - See where work slows, stalls, or creates rework across workflows - Compare performance across teams, roles, or locations - Use real activity data to review work and resolve disputes - Automate time tracking and reporting This is not just another monitoring tool. It’s a precision Work Intelligence for actionable bottom line impact. Insightful helps you run better operations. You get clear data you can use in weekly reviews, planning, and day-to-day decisions. It combines automatic time tracking, activity data, and reporting in one place — so you can improve performance without adding overhead. Teams choose Insightful because it delivers strong visibility and control without the cost or complexity of heavier tools.

[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=2026-08-05T09%3A16%3A55Z&secure%5Bdisplayable_resource_id%5D=1381&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=retargeted_product&secure%5Bplacement_resource_ids%5D%5B%5D=37386&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=37386&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%3D18&secure%5Btoken%5D=a606c5591b3cfd361f7faccc25d21febdf6e3ce1b7fb171d66d8741d78fde33c&secure%5Burl%5D=https%3A%2F%2Fwww.insightful.io%2Fworkforce-analytics-enterprise%3Futm_source%3Dg2%26utm_medium%3Dreferral%26utm_campaign%3Ddirectories_paid%26utm_content%3Dpaid%26utm_term%3Dppc2026&secure%5Burl_type%5D=custom_url)

### [Ophelos](https://www.g2.com/products/ophelos/reviews)

Ophelos was created to transform how individuals, families and businesses manage their financial health.

#### Who Is the Company Behind Ophelos?

- **Seller:** [Ophelos Limited](https://www.g2.com/sellers/ophelos-limited)
- **Year Founded:** 2019
- **HQ Location:** Liverpool Street, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=96668d19868475fd7eafd9795a4d9318422a6fa7ccc0b809d51ddd3bb1f234e7&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fopheloshq&secure%5Burl_type%5D=linkedin_company_website)  
63 employees on LinkedIn®

### [Optimal Path](https://www.g2.com/products/optimal-path/reviews)

Optimal Path offers a personalized, AI-driven solution that helps individual consumers achieve their credit score goals. Consumers can set their credit score goal, learn specific action steps to take to meet their goal, and immediately understand the estimated impact to their VantageScore by following the recommended tasks. Financial institutions and other companies can easily incorporate the Optimal Path API into their suite of consumer offerings. With this interactive, cloud-based API solution, organizations can help their customers, members, and employees understand how to meet their credit score goals and encourage ongoing engagement to deepen relationships.

#### Who Is the Company Behind Optimal Path?

- **Seller:** [Equifax Inc.](https://www.g2.com/sellers/equifax-inc)
- **Year Founded:** 1899
- **HQ Location:** Atlanta
- **Twitter:** @Equifax  
24,815 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=255fc2a3ac98306a5093e42164db50ce7f3af27584be29fa5b5d5f042b7b9635&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fequifax%2Fabout%2F&secure%5Burl_type%5D=linkedin_company_website)  
18,699 employees on LinkedIn®
- **Ownership:** EFX (NYSE)

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

Origa offers Collection as aService platform a full-suite of intelligent collection services orchestrated via a web of debt resolution partners who execute data derived strategies in a marketplace model.

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

- **Seller:** [Origa.ai](https://www.g2.com/sellers/origa-ai)
- **HQ Location:** Bangalore, IN
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=92921112b3d63bed0e384b68b22d806e8ea879278b57e965b529dd5ef48ef07b&secure%5Burl%5D=http%3A%2F%2Fwww.linkedin.com%2Fcompany%2Foriga.ai&secure%5Burl_type%5D=linkedin_company_website)  
2 employees on LinkedIn®

### [PAIR Finance](https://www.g2.com/products/pair-finance/reviews)

PAIR Finance develops a revolutionary concept for claims management and debt collection. They combine the digital communication channels with proven behavioral science approaches and a data-driven algorithm to accelerate and facilitate debt collection.

#### Who Is the Company Behind PAIR Finance?

- **Seller:** [PAIR Finance](https://www.g2.com/sellers/pair-finance)
- **Year Founded:** 2016
- **HQ Location:** Berlin, DE
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=52da8f7979cfc844b98c3402382dfe58ae934b29e2e87aca886b7520ecf8b5ee&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpair-finance%2F&secure%5Burl_type%5D=linkedin_company_website)  
217 employees on LinkedIn®

### [Pairity](https://www.g2.com/products/pairity/reviews)

Pairity's advanced AI quickly streamlines all of your organization's data, leverages it to its full potential, and increases the success of each contact in a user-friendly and compliant interface

#### Who Is the Company Behind Pairity?

- **Seller:** [Pairity](https://www.g2.com/sellers/pairity)
- **Year Founded:** 2017
- **HQ Location:** N/A
- **Twitter:** @PairitySoftware  
67 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=864fdf77c5412d5b7b23896b5c29c8c0403674cf75f9dfeeeb9d459c7c682193&secure%5Burl%5D=http%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpairity&secure%5Burl_type%5D=linkedin_company_website)  
2 employees on LinkedIn®

### [Pamar Collection System](https://www.g2.com/products/pamar-collection-system/reviews)

Features: precollect, client/debtor maintenance, electronic account placement, collection management, trust accounting.

#### Who Is the Company Behind Pamar Collection System?

- **Seller:** [Pamar Systems](https://www.g2.com/sellers/pamar-systems)
- **HQ Location:** Vancouver, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=4b1dd42ec39aa93b2f438ad5536f721e3caaad03439fa320695a381ac1dbe9eb&secure%5Burl%5D=http%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpamar-systems-inc&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [Paymefy](https://www.g2.com/products/paymefy/reviews)

Product Overview Paymefy is an end-to-end debt collection and revenue recovery platform designed to modernize how businesses collect outstanding invoices. Founded in Barcelona in 2018, Paymefy replaces outdated, manual follow-ups with an AI-powered automated workflow that reduces Days Sales Outstanding (DSO) while maintaining a positive relationship with your customers. By combining smart notifications, predictive analytics, and a seamless payment experience, Paymefy helps B2B and B2C enterprises turn accounts receivable into a predictable stream of cash flow. Key Benefits for Users Automate Without Losing the Human Touch: Deploy smart, multi-channel reminders (SMS, Email, WhatsApp) that nudge customers to pay without the friction of traditional collection agencies. Drastically Reduce DSO: Our predictive engine identifies the best time and channel to reach each debtor, accelerating the payment cycle and improving liquidity. Centralized Dispute Management: Stop letting disputes stall your revenue. Visualize, track, and resolve invoice queries within a single, transparent interface. Seamless Tech Integration: With a robust and flexible API, Paymefy plugs directly into your existing ERP, CRM, or accounting software, ensuring your data remains the "single source of truth." Real-Time Analytics: Gain deep insights into your collection performance with dashboards that offer predictable revenue forecasting and debtor behavior patterns. Why Choose Paymefy? In a landscape where cash flow is king, Paymefy provides the bridge between Finance and Customer Success. Our platform is built for teams that value: Efficiency: Less time on the phone, more time on strategy. Transparency: Total visibility for all stakeholders into the status of every invoice. Scalability: From fast-growing startups to global enterprises, our infrastructure grows with your volume. Technical Specifications Deployment: Cloud, SaaS, Web-Based. API: Full REST API documentation available for custom integrations. Target Industries: Fintech, Utilities, Logistics, SaaS, and E-commerce.

#### Who Is the Company Behind Paymefy?

- **Seller:** [Paymefy](https://www.g2.com/sellers/paymefy)
- **Year Founded:** 2019
- **HQ Location:** Barcelona, ES
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7a718396cd5801dcaed300bce6f4e60e8439af61ac5a3bd57a41eae42b849eb9&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpaymefy&secure%5Burl_type%5D=linkedin_company_website)  
16 employees on LinkedIn®

### [Payment Flow](https://www.g2.com/products/payment-flow/reviews)

💡 Contrairement aux outils classiques, il combine analyse comportementale, suivi d’ouverture d’e-mail, intégration bancaire et profils de relance personnalisés pour que chaque relance soit pertinente et humaine. Résultat : un gain de trésorerie immédiat, moins de temps perdu, et une communication claire qui préserve la relation client.

#### Who Is the Company Behind Payment Flow?

- **Seller:** [Payment Flow](https://www.g2.com/sellers/payment-flow)
- **Year Founded:** 2024
- **HQ Location:** Brest, FR
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=b79cf2d93cae0242c0e0f49536176276fdeec7aa128294b0508788cdce0f2fa8&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fpayment-flow-fr%2F&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [Payment Platform for Collections Firms](https://www.g2.com/products/payment-platform-for-collections-firms/reviews)

Accept payments online and by phone 24 hours a day, 7 days a week.

#### Who Is the Company Behind Payment Platform for Collections Firms?

- **Seller:** [EveryBill](https://www.g2.com/sellers/everybill)
- **Year Founded:** 2008
- **HQ Location:** East Providence, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=4f1038d1d8b04c01527669e588004b68b34b9f397b09c1173c341725f3f9a84a&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Feverybill%2F&secure%5Burl_type%5D=linkedin_company_website)  
5 employees on LinkedIn®

### [PDS Debt Settlement](https://www.g2.com/products/pds-debt-settlement/reviews)

PDS Debt Settlement Software delivers a full-scale automation of all aspects of your debt settlement business.

#### Who Is the Company Behind PDS Debt Settlement?

- **Seller:** [Primedebtsoft](https://www.g2.com/sellers/primedebtsoft)
- **Year Founded:** 2001
- **HQ Location:** Naples, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=331cf4847d373d628c88ae11ee6dd9548b5928c153ebc61a5710e2c6997c13ae&secure%5Burl%5D=http%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fprime-debt-soft&secure%5Burl_type%5D=linkedin_company_website)  
5 employees on LinkedIn®

### [PLATO](https://www.g2.com/products/tdx-group-plato/reviews)

Gain control over your external recoveries activity using PLATO, our purpose-built debt recovery platform. PLATO enables you to benefit from the performance improvement associated with using a multi-agency, multi-placement strategy without creating additional overhead or exposing your business to the reputational risk of losing control or oversight of activity.

#### Who Is the Company Behind PLATO?

- **Seller:** [TDX Group](https://www.g2.com/sellers/tdx-group)
- **Year Founded:** 2004
- **HQ Location:** Nottingham, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=5613a4ab665e3b3d010fd200cd3f178ee9c0154f14091734de64e11ef77f2039&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ftdx-group%2F&secure%5Burl_type%5D=linkedin_company_website)  
206 employees on LinkedIn®

### [PowerCurve Collections](https://www.g2.com/products/powercurve-collections/reviews)

PowerCurve® Collections is an advanced debt management solution designed to enhance the efficiency and effectiveness of the collections process. By integrating comprehensive data, analytics, and decisioning capabilities, it enables organizations to personalize their collections strategies, ensuring fair treatment of customers while optimizing debt recovery. Key Features and Functionality: - Data Integration: Connects to diverse data sources to create a holistic view of each customer, facilitating informed decision-making. - Advanced Analytics: Utilizes predictive analytics to assess customer behavior and payment trends, enabling tailored collection actions. - Automated Decisioning: Employs an integrated decision engine to determine the most appropriate contact methods and times, streamlining the collections workflow. - Personalized Strategies: Develops individualized collection approaches based on customer profiles, enhancing engagement and recovery rates. - Compliance Management: Ensures adherence to regulatory requirements by managing collections with the customer at the center of the strategy. Primary Value and Solutions Provided: PowerCurve® Collections addresses the complexities of debt recovery by offering a data-driven, customer-centric approach. It helps organizations increase recoveries through targeted actions, reduce collection costs via automation and best practices, maintain compliance with consistent and appropriate customer interactions, and enhance customer retention by delivering high-quality, personalized engagement. This comprehensive solution empowers businesses to recover debts effectively while preserving and strengthening long-term customer relationships.

#### Who Is the Company Behind PowerCurve Collections?

- **Seller:** [Experian](https://www.g2.com/sellers/experian)
- **Year Founded:** 1826
- **HQ Location:** Dublin, Ireland
- **Twitter:** @Experian\_US  
38,771 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=5f2ce141b811b45a47c23e9ebeb00646a160dd7e6e16b8de67f2a6ca6a4f4065&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fexperian&secure%5Burl_type%5D=linkedin_company_website)  
26,191 employees on LinkedIn®
- **Ownership:** LSE: EXPNL

### [proAgent: Natural Language omnichannel collections Al agent](https://www.g2.com/products/proagent-natural-language-omnichannel-collections-al-agent/reviews)

ProAgent is a natural language Al agent for omnichannel collections. Built on the Prodigal Intelligence Engine (PIE), it connects to all internal systems used by consumer finance companies-CRMs, LMS, dialers, SMS/email tools, and more-to access complete consumer data and run personalized, targeted outreach at scale.

#### Who Is the Company Behind proAgent: Natural Language omnichannel collections Al agent?

- **Seller:** [Prodigal](https://www.g2.com/sellers/prodigal)
- **Year Founded:** 2018
- **HQ Location:** Mountain View, US
- **Twitter:** @ProdigalTech  
301 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=fb02154103b79941e010d82c6303685157cff759de4c21064132d4a11590968c&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fprodigaltech%2Fabout&secure%5Burl_type%5D=linkedin_company_website)  
96 employees on LinkedIn®

### [QUALCO Collections & Recoveries](https://www.g2.com/products/qualco-collections-recoveries/reviews)

QUALCO Collections & Recoveries (QCR) is a modern, modular and comprehensive enterprise platform that orchestrates the end-to-end collection journey, streamlines in-house and third-party activities in one place and operates either as part of a banking ecosystem or as a core system of record. QCR supports all types of receivables, from unsecured and secured bank credit, to unpaid invoices from the delivery of goods or services and covers the entire credit lifecycle, from high-risk performing and early-stage delinquency through to legal and recoveries. The system provides a forward-looking, digital-first approach to debt management, delivering a seamless customer and user journey.

#### Who Is the Company Behind QUALCO Collections & Recoveries?

- **Seller:** [Qualco Group](https://www.g2.com/sellers/qualco-group)
- **Year Founded:** 1998
- **HQ Location:** Athens, GR
- **Twitter:** @qualco\_sa  
258 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=b4f7e110ceb09cf0b3c5e508c49c1129f20b9b8ea3f10adfcccb75077c157f61&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fqualco-group&secure%5Burl_type%5D=linkedin_company_website)  
912 employees on LinkedIn®

### [Quiddly's Debt Collection Software](https://www.g2.com/products/quiddly-s-debt-collection-software/reviews)

Quiddly’s powerful Debt Management & Collections module comes with support for integrations with pre-systems and ERPs. Automate the process through smart workflows and handle debtors in a modern way through dynamic and tailored collection profiles. Get access to everything you need to make your collections business thrive.

#### Who Is the Company Behind Quiddly's Debt Collection Software?

- **Seller:** [Quiddly](https://www.g2.com/sellers/quiddly)
- **Year Founded:** 2019
- **HQ Location:** Malmo, SE
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=8b12c040dbe17a6023cf525038cba53296bed8747b7ead50c3e04a796926184c&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fquiddly%2F&secure%5Burl_type%5D=linkedin_company_website)  
24 employees on LinkedIn®

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[Browse Credit and Collections Themes](/categories/credit-and-collections/themes)

 ![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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