Best accounts receivable automation software (2025)

Chasing payments might feel like running in circles if you’re relying on manual invoicing and reminders. That’s time lost and cash flow stalled while spreadsheets pile up.

Accounts receivable (AR) automation software can relieve your burden. It issues invoices, tracks due dates, sends reminders, and matches payments automatically. Everything keeps moving with minimal effort on your part.

This guide takes you through the best AR automation tools in 2025. You’ll have alternatives that reduce delays, increase control, and allow you time to work on growth. You’ll also learn how Wise Business can help - it’s a cost-effective way to send business payments and receive money from abroad in multiple currencies, with conversions using the mid-market exchange rate.

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What is accounts receivable automation software?

AR automation software replaces manual payment processes with intelligent, repeatable systems. It accelerates the credit-to-cash cycle and keeps the business cash-positive.

How does this work in practice? During customer onboarding, you can input key details, such as billing contacts, payment terms, and pricing agreements, into the software. At the end of each billing cycle (say, monthly), your team simply logs what was delivered, whether that’s hours worked or products sold.

The software automatically generates the invoice, applies the correct terms, and sends it to the customer. From there, it tracks due dates, sends polite reminders at set intervals, and reconciles payments once they come in. In the following section, we will review the top account receivable automation software you should check out to improve cashflow.

Top accounts receivable automation software for 2025

Not every business collects payments the same way. That’s why choosing the right AR automation tool matters. The options below are built for UK teams looking to save time, stay organised, and get paid without back and forth.

Kolleno

Best for: Businesses that want to centralise collections, automate follow-ups, and cut day sales accounting (DSO) with minimal manual effort.

Kolleno is a London-based accounts receivable automation platform designed to bring all your collections work into one place. It connects with your ERP, pulls in data from across systems, and lets your team manage tasks, client emails, and payments from a single dashboard.

When using Kolleno, you don’t have to switch between inboxes and spreadsheets. The platform automates follow-ups, monitors all client interactions, and keeps teams in sync, all the time providing customers with a more convenient payment method.

Features:

• Centralised collections dashboard with real-time client history
• AI-powered email responses and smart workflows
• Task management with notes, delegation, and team updates
• Customer payment portal supporting multiple methods
• Automated reconciliation through transaction matching
• Integrations with ERP systems and data sync across tools
• Multi-currency and multi-entity support
• Personalised email templates with 100+ custom tags
• Ready-made reports, no spreadsheet builds required

Pricing:¹

• BusinessPay (for turnover over $1M): $60/user/month (billed annually)
• Business Plus (for turnover over $10M): $545/user/month (billed annually)
• Enterprise / Enterprise Plus: Custom pricing

Sage Intacct

Best for: Businesses in multi-entity or fast-scaling businesses that need complete visibility, recurring billing, and strong audit controls.

Sage Intacct is a cloud-based financial management platform used by growing UK businesses that need more than basic invoicing. Its accounts receivable module is designed to reduce admin work, speed up payments, and give teams better control across the full collections process.

It brings invoicing, billing, reconciliation, and communications into one system and connects directly to CRMs, order systems, and ledgers. For businesses dealing with complex customer lifecycles or deferred revenue, Sage Intacct offers the structure and real-time insight to stay ahead.

Features:

• Automated invoice generation, including recurring billing for subscriptions
• Send invoices via email and provide several payment methods
• Add contracts or support docs to transactions to keep records easily
• Full drill-down by customer on centralised AR aging reports
• Automate reminders and escalation of unpaid invoices using Dunning workflows
• Assign collection cases to individual team members to be accountable
• AR dashboards in real-time with complete visibility of overdue, current, and deferred revenue
• Integration with CRMs and order management systems
• Automatic posting to general ledger and AR ledger
• Live sales tax calculations in each transaction
• Internal controls and user-defined approval workflows
• Multi-entity and multi-currency support

Pricing: Custom quotes.

Sage AR Automation

Best for: Businesses looking for advanced credit control, dispute tracking, and end-to-end visibility.

Sage AR Automation shouldn’t be mistaken for Sage Intacct. Sage Intacct is a full financial management system. While Sage AR Automation is a standalone platform focused solely on automating accounts receivable and credit control, often used alongside your existing ERP. The Sage AR automation connects to over 40 ERPs, including Sage’s products and Microsoft Dynamics.

It helps businesses reduce cash flow risk, improve credit decisions, and turn collections into a structured, proactive process. With a 73% reduction in manual AR work, over $188 billion in receivables managed,² this software is a mix of automation, credit monitoring and customer.

Features:

• Customer credit scoring
• Customisable cadences across email, phone, and portal
• Dynamic activity management based on urgency, customer behaviour, and team workload
• Dispute management without derailing payment timelines
• Cash flow forecasting
• Self-service customer portal
• Multi-currency and multi-entity support
• Online payment support (accepts card, debit, ACH, with surcharges and scheduling options)
• Onboarding support including kickoff call, system audit and account and email setup.

Pricing: Custom

Zoho Books

Best for: Growing businesses that want end-to-end accounting automation without the enterprise price tag.

Zoho Books offers more than invoicing. It's a full accounting system with integrated AR automation, and it is targeted at small to medium businesses that need to accelerate receivables and improve cash flow without having to change systems.

Where most tools end at reminders or simple tracking, Zoho Books extends to sales order automation, multi-level approvals, retention payments, and even Skonto discounts.

It also includes accounts payable automation, so teams can manage both sides of cash flow in one place. For finance leads juggling sales, billing, and collections, it’s a streamlined way to keep control without adding complexity.

Features:

• Recurring invoice automation
• Auto-charge saved client cards
• Automated payment reminders
• Bank rules for auto-categorisation
• Online payment links and client portal
• Multi-currency and multilingual invoicing
• Progress invoicing (partial billing)
• Retention payment tracking
• Early payment discount (Skonto) automation
• Bank feed sync and reconciliation

Pricing: Free trial available. Paid plans vary by business size and are available on request.

Invoiced

Best for: Businesses that need powerful dunning automation, flexible workflows, and full control over follow-ups, reminders, and payment plans.

Invoiced automates the basics of invoice delivery with smart chasing tools, branded payment portals, dispute resolution features, and detailed tracking of every customer touchpoint. This software builds fully customised dunning workflows that adapt to your collections strategy, customer risk level, and timing preferences.

Features:

• Customisable dunning templates and follow-up schedules
• Late fee automation based on grace periods, amounts, or percentages
• Self-serve customer portal with autopay, receipts, subscriptions, and account updates
• Payment plan automation with custom instalment schedules
• Workflow automation builder with triggers and actions
• Real-time AR analytics with invoice ageing, DSO tracking, and collection performance
• Integrated task management with follow-up reminders for your team
• Customer-level and invoice-level automation settings
• Sync with your ERP or accounting platform

Pricing: Free demo available. Pricing is provided on request.

Chaser

Best for: Businesses that want to automate invoice chasing, reduce DSO, and stay in control of overdue payments without adding headcount.

Chaser helps businesses get “chase” account receivables and get paid faster without losing the human touch. The software automates payment reminders and follow-ups, giving teams the tools to monitor debtors, send personalised chasers, and reduce time spent manually managing receivables.

Features:

• Automatic invoice reminders via email or SMS
• Customisable schedules and tone for chasing messages
• Real-time dashboard for tracking overdue invoices and debtor activity
• Two-way sync with accounting tools like Xero, QuickBooks, Sage, SAP and Dynamics 365
• Self-service payment portal for customers
• Integrated credit checking and monitoring
• Full audit trail of communication with each debtor
• API and CSV import options for flexible integration

Pricing:³

• Compact: £135/month
• Core: £360/month
• Complete: £675/month
• Custom and care plans: Contact sales

Factors to consider when choosing an accounts receivable automation software

The right AR automation software should meet your accounting needs. Below are some criteria to consider when selecting AR automation software:

Start with your basic needs

Assess your workflow before comparing platforms. What is holding your team back? Do you have too many overdue invoices to chase manually? Do you require more robust reporting or payment flexibility?

In smaller businesses, simplicity of use and straightforward automation may suffice. Multi-entity support, intelligent dunning workflows, and ERP integration can be necessary in larger teams. Being aware of the priorities will help the selection process stay on track.

Check how it integrates

The optimal AR software should integrate with your accounting system, ERP, CRM, and payment gateways. Integration reduces redundancy and maintains data accuracy throughout your finance stack.

When working with tools such as Xero, Sage, QuickBooks, or NetSuite, ensure that the AR platform is capable of being plugged in without additional overhead.

Prioritise automation that fits your process

Not every automation feature will be useful out of the box. Look for tools that let you customise workflows, like dunning sequences, payment reminders, and escalation steps , so the software works the way your business does.

Flexibility is especially important if you serve multiple customer segments or offer staged payments, early payment discounts, or retainers.

Think about customer experience

Your team is not the end of the AR process. Customers will see invoices, reminders, and payment portals, so the process must be clean and consistent. Find tools that provide branded portals, online payment and self-serve access to documents and receipts. These details assist in accelerating payments and minimising back-and-forth.

Review reporting and forecasting tools

The best AR software should help you identify trends, predict cash flow, and observe the performance of your collection process. Dashboards, ageing reports, and invoice-level insights can assist your team in prioritising follow-ups and making better decisions.

Consider support and setup

Even the most excellent software is ineffective when it is difficult to implement or when the support is slow. Ensure that the provider provides guided onboarding, support in the UK, and training materials. It will save you time in the setup process and prevent problems in the future.

Test it yourself

Demos and free trials are worth trying. They allow your team to experiment with the interface, test automation capabilities, and observe how well the tool integrates into your everyday workflow. You will also have a feel of performance, navigation, and any latent gaps.

Consider scalability

A tool that’s effective today should still be effective next year, even when your invoice volume doubles or your customer base increases. Check out pricing models and features that grow with your business, without needing to switch systems in the future.

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FAQs – accounts receivable automation software

Here are some of the most common questions answered:

What’s the difference between AR automation and standard invoicing?

AR automation is not limited to invoice creation and sending. It automates follow-up reminders, intelligent dunning cadences, payment reconciliation, credit scoring and reporting. It proactively controls the credit-to-cash cycle instead of just monitoring invoices.

Will automation affect our customer relationships?

When done well, it improves them. Customer portals and branded reminders give a consistent, professional feel. Customisable workflows and dispute tracking help maintain clarity and show customers that you respect their needs and timelines.

How does forecasting improve with AR automation?

Automated AR tools refresh old reports and cash flow forecasts on the fly. That provides finance departments with the visibility to predict deficits, prioritise collections, and make decisions based on data rather than guesses based on old ledgers.

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Sources used:

1. Kolleno Pricing
2. Sage AR Automation
3. Chaser Pricing

Sources last checked on date: 30-Jun-2025

Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QuickPay QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.