Quadient AR, formerly YayPay, automates credit, collections, disputes, customer payments and cash application for B2B AR teams.
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Best AR Automation Software for Collections Teams
For AR and collections staff doing the daily chasing: Quadient AR, Upflow, Gaviti, Kolleno and Chaser compared on worklists, reminders and disputes.
Once you have a shortlist, use our head-to-head comparisons to evaluate finalists side by side. Our finance glossary covers the terms vendors use in demos, and buyer guides go deeper on specific workflows. Free evaluation templates can help structure your scoring process.
Sources we used
We rely on vendor documentation, pricing pages and other primary sources. We do not use G2 or Capterra ratings as ranking inputs.
Primary sources
- Official vendor documentation, pricing pages, help centers, and release notes
- Public analyst reports, market commentary, and relevant public filings
- Practitioner discussions in communities such as Reddit
What we exclude
- G2 and Capterra ratings as ranking inputs
- Vendor-submitted claims that cannot be corroborated publicly
- Anonymous summary statements presented as proof without a primary source behind them
Review standard
Material corrections can be submitted through the contact page. We update pages when a claim can be verified against a stronger source.
Read the full review methodology and sponsored disclosure.
Evidence used on this page
- AR Automation Software buyer's guide
- The full category overview, evaluation criteria and tool list.
- Best AR Automation Software
- Our ranked shortlist for the whole category.
How Finance Teams Should Choose AR Automation Software
Most AR teams start the morning in an aging report and an inbox full of customers asking for invoice copies. The work is deciding who to call, sending the right reminder, logging what the customer promised and chasing the dispute nobody owns. Software earns its keep here when collectors stop building their own lists.
What the people doing collections need
The team is usually two to six people splitting accounts by customer or region, working from the ERP aging and a shared mailbox, with a manager who reports overdue balances weekly.
- A daily worklist ranked by risk and balance, not by invoice number.
- Reminder sequences that go out by email, SMS or letter without a collector pressing send.
- Disputes logged against the invoice with an owner, so they stop bouncing between sales and finance.
- A place to record what the customer promised and when, visible to whoever picks up the account next.
- A customer portal where buyers download invoices and pay, which cuts the copy-request emails.
How a collections team should judge the tools
- Have your own collectors run the demo, not the controller. Ask them to work ten real overdue accounts end to end.
- Check how accounts are assigned and reassigned when someone is out; a worklist tied to one person breaks during holidays.
- Ask how promise-to-pay dates are captured and whether a missed promise triggers the next step automatically.
- Look at seat pricing. Per-user plans can make it expensive to give sales or account managers read access to disputes.
- Confirm reminders thread back into the collector's own mailbox so replies aren't lost.
The shortlist, and why each tool is on it
Ordered by how much of the collector's daily loop each tool covers, from AI-ranked worklists with dispute tracking down to simpler reminder tools for smaller teams.
1. Quadient AR (formerly YayPay)
Quadient AR (formerly YayPay) predicts payment behavior to rank the collections queue and tracks disputes in the same product. Reminders and invoices can go out by print or digital channel per customer preference, which helps teams with buyers who still want paper.
Watch for: No published pricing or free trial, and older YayPay reviews may not match the current Quadient product. Ask for the implementation plan in writing. Read the full Quadient AR (formerly YayPay) profile.
2. Upflow
Unlimited seats on every plan means sales reps and account managers can join a dispute without a license debate. Reminders go out by email, SMS, call and letter, with two-way Gmail and Outlook integration so replies land where collectors work.
Watch for: The branded payment portal starts on Grow, the rules engine and Collections Agent on Scale. A team on Starter gets less of the daily workflow than the demo may show. Read the full Upflow profile.
3. Gaviti
Ranks customers by payment risk and suggests the next action for each collector, with dispute tracking, credit alerts and a self-service payment portal. Our profile describes a fast implementation.
Watch for: Its autonomous features need clean data to perform well, and our profile rates its dispute workflow as less mature than HighRadius or Order2Cash. Read the full Gaviti profile.
4. Kolleno
Multi-channel collection workflows and a self-service payment portal, plus credit risk scoring that tells a collector which accounts to watch. Priced per user with a free trial, so a small team can test it on real accounts first.
Watch for: An early-stage vendor with advanced reporting still maturing. Per-user pricing adds up if you want sales on the platform too. Read the full Kolleno profile.
5. Chaser
Automated email and SMS reminders and a tracked communication history for each debtor, plus a payment portal. It connects directly to Xero, QuickBooks and Sage and has a free trial.
Watch for: Cash application and credit management are limited, and there are no advanced dispute workflows. It suits teams with straightforward invoicing. Read the full Chaser profile.
Runner-up and who should skip what
Runner-up: Versapay, for teams whose customers mostly dispute or short-pay invoices, since buyers can raise questions in its portal. It's off this list because our profile rates its collections prioritization as less AI-driven, so the worklist side is thinner.
Usually a poor fit: HighRadius for a team of three: its own profile warns that mid-market teams often find it oversized. BILL's receivables side also falls short here, with no AI-driven collections or advanced dunning sequences in our profile.
Focused mainly on outreach and prioritization? See collections software. For the reporting side, compare AR automation for controllers.
Shortlist candidates for Finance Teams
Accounts receivable software for B2B companies: collections, payment portal, cash application and AR insights, with a free insights tier.
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Gaviti provides autonomous AR management with AI-driven collections, dispute resolution, credit monitoring, and cash application.
Contact vendor for exact pricing and packaging details.Custom quoteCloud
Kolleno automates B2B collections and receivables management with smart workflows, payment portals, and credit risk scoring.
Contact vendor for exact pricing and packaging details.Per user / monthCloudFree trial
Chaser automates accounts receivable chasing and payment collection with smart reminders that integrate directly with Xero, QuickBooks, and Sage.
Contact vendor for exact pricing and packaging details.Per user / monthCloudFree trial
Frequently asked questions
How many collectors does it take before AR software pays off?
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There is no fixed number. It tends to pay off once one person can no longer review every overdue account each week, or when inbound invoice-copy requests eat a large share of the day.
Can we keep sending reminders from our own email address?
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Often yes. Upflow lists two-way Gmail and Outlook integration. Ask each vendor whether replies come back into the tool and link to the right customer.
Does a payment portal really reduce inbound requests?
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Only if customers use it. Put the portal link in every invoice and reminder, and measure copy-request emails before and after go-live.
Should sales have access to the AR tool?
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For disputes, usually yes, because many disputes need a sales answer. Check whether the pricing is per user or unlimited seats before you promise access.