Gaviti: ar automation software platform

Gaviti publishes no prices, but it does publish its metric: checked 16 October 2026, the pricing page is a quote request stating that pricing is based on usage rather than per user, with unlimited users and workflows included. Buy it if you want credit, collections, disputes and cash application in one package. Skip it if you need a figure first.

Rajat GuptaEditorial LeadReviewed 16 October 2026Pricing checked 16 October 2026 against the Gaviti pricing page

Gaviti in brief

Price: None, quote only · Usage based rather than per user, set by invoice volume and requirements
Best for: Receivables teams who need credit and disputes as well as collections
Watch out for: You give up a price you can check.

The short answer

Buy Gaviti if your receivables problem spans the whole cycle rather than one stage: credit decisions before the sale, dunning during it, disputes when something goes wrong, and remittance matching at the end. The pricing posture helps too. Because the quote runs on usage rather than seats, putting every collector, salesperson and controller on the platform costs nothing extra.

Skip it if you need a number before you can build a business case, because the pricing page is a form and no figure exists anywhere on the site. Skip it too if your receivables are simple and your ledger small: a chasing tool with a published rate card will fix an inconsistent follow-up habit faster and cheaper than a platform designed to carry credit, disputes and cash application as well.

Where Gaviti fits

Gaviti sells an invoice-to-cash platform with five distinct parts, and the breadth is the reason to look at it. Credit Management handles online credit applications, AI-assisted credit review, automated customer credit reviews, credit searches in over 200 countries, credit bureau integration, automated and enforceable credit limits, utilisation flagging and order freezes. Dunning and Collections handles AI-generated emails, customisable workflows, task prioritisation and forecasting. Dispute Management handles claim forms, dispute logs, partial and full amount disputes, one-click settlement and instant alerts to the relevant team. Cash Application handles invoice matching, automated deduction codes and AI remittance capture.

What is included with every product is unusual enough to shape the shortlist. The pricing page lists unlimited workflows, unlimited users, unlimited user permission profiles, custom fields, multiple entity support, an AI assistant and an agentic AI chat as included with every module. In a category where seats and entities are the normal way to meter a contract, that removes two of the three levers vendors usually pull at renewal. Adding a subsidiary or giving the sales team read access should not by itself change your bill, which is exactly the thing to get written into the order form.

The credit layer is the part most collections tools do not have. Running credit applications and automated reviews, pulling bureau data, setting enforceable limits and freezing orders when a customer breaches one moves the work upstream of collections entirely. If your bad debt problem starts with sales approving customers nobody credit-checked, that is the capability that fixes it, and it is a different purchase from automating reminder emails. It also means the platform touches order management, so your ERP integration scope is wider than a chasing tool's would be.

Integration is pitched as ERP-agnostic rather than ERP-native, which is a genuine difference. Gaviti says it works with any ERP or business system and can connect to multiple systems simultaneously, and its homepage promise is to reduce days sales outstanding without changing your ERP. For a group running different systems in different subsidiaries, connecting several at once is the useful claim, and it is the one to prove during evaluation rather than accept on the page.

The customer payment portal is where software meets money movement, and the published detail stops short. Gaviti lists no-fee bank transfers through the portal, along with multiple payment options, autopay, full invoice and payment history, customer credit requests and dispute initiation from the same place. Card fees are described only as competitive, with no rate published anywhere. So the portal is both a reason to buy, because self-service removes a large share of inbound billing questions, and a commercial unknown you have to price before you move customers onto it.

Gaviti pricing

Gaviti publishes no prices, but unlike most of this category it does tell you how the bill is built. Checked on 16 October 2026, the pricing page is a Request a Quote form stating that pricing is tailored to each company's invoice volume, workflows and requirements, and that it is based on usage rather than per user. It also claims no hidden costs and full module flexibility, with the vendor designing the package after you submit the form. Any dollar figures you see on gaviti.com come from its ROI calculator, which models benefits from your own inputs and is not a price.

Four things decide the number, and the first is the one the page half answers.

The usage counter. Gaviti says pricing is based on usage and names invoice volume, workflows and requirements as the inputs, without saying which one the contract is written against in the end. Ask whether it is invoices, customer accounts or transactions, where the band boundaries sit, what the uplift is when you cross one, and what happens if volume falls. Usage pricing is only an advantage if the counter matches the thing your business does.
Which modules you take. Credit Management, Dunning and Collections, Dispute Management, Cash Application and the Payment Portal are presented as parts of one platform with full module flexibility. Get each priced as its own line so you can see what the credit and cash application layers add to a collections-only deal, and so dropping a module later is a conversation about a line item rather than about the whole contract.
What the included list is worth to you, and whether it survives. Unlimited users, unlimited workflows, unlimited permission profiles and multiple entity support are listed as included with every product today. If you plan to put forty people on the platform or run six entities through it, that is a large part of the value, so ask for it written into the order form and confirmed for the life of the contract and at renewal.
Card acceptance, which sits outside the software fee. Bank transfers through the payment portal are described as no-fee and card fees only as competitive, with no rate published. Ask for the actual card and cross-border rates, and who bears them, before you move customers onto the portal, because that cost arrives per transaction and is unaffected by how good the subscription negotiation was.

What is quoted rather than priced

Every module. Credit, collections, disputes, cash application and the payment portal are assembled into one quote with no published per-module figure.
Card payment acceptance. Bank transfers are described as no-fee, card fees only as competitive, with no published rate.
Implementation and onboarding. No fee is published on the pricing page, and the vendor's customer quotes reference an easy implementation without attaching a cost to it.
Credit bureau data. Credit searches in over 200 countries and bureau integration are listed as features, so confirm whether bureau report costs are inside the subscription or passed through.

Implementation and commercial terms

These rows record what the pricing page itself states as of 16 October 2026, and name the gaps rather than estimating them.

Published price: None, quote only. The pricing page is a Request a Quote form
Pricing metric: Usage based rather than per user, per the vendor's own page
Users: Unlimited users and unlimited permission profiles listed as included with every product
Entities: Multiple entity support listed as included with every product
Implementation fee: None published
Free trial: None listed. A quote request and a demo booking instead

The useful thing about Gaviti commercially is that you can do half the modelling before the call. Write down last year's invoice count and the number of customer accounts you chase, decide which of the five modules you need in phase one, and ask for a quote against those numbers with the counter named explicitly. Then price card acceptance separately, because no rate is published and it will not show up in the subscription line. Compare the result against a vendor with a published rate card so one half of your comparison is verifiable, and remember that unlimited users is worth real money if your team is large and worth nothing if three people use it.

Source: the Gaviti pricing page, checked 16 October 2026. Confirm current prices with the vendor before you budget.

What Gaviti gives up

You give up a price you can check. The metric is published and the figure is not, so you can reason about the shape of the bill without being able to budget it. That is better than the silence most of this category offers, and it is still a sales conversation standing between you and a number. Anyone whose procurement needs a cost range before a vendor call will have to ask for one directly.

You give up certainty that usage pricing favours you. Charging on usage rather than seats is good news for a large team working a modest ledger, and bad news for a small team invoicing constantly. Because the page names invoice volume, workflows and requirements without saying which is the counter, you cannot tell which case you are in until you ask. Get the counter and the bands in writing, and model the year you expect rather than the year you had.

You give up payables entirely. Gaviti is a receivables platform. There is no accounts payable module, no procurement and no expense management, so a brief that says consolidate the office of the CFO onto one platform is not answered here. Teams who want both sides of the ledger from one vendor should look at suite products instead, and accept the loss of receivables depth that comes with them.

You give up published detail on card economics at exactly the point it matters. The payment portal is one of the strongest reasons to buy, since self-service removes inbound billing questions and gets customers paying without a phone call. But describing card fees as competitive with no rate attached means the per-transaction cost of that convenience is unknown until you negotiate it, and it will outlast any discount you win on the software.

You give up a self-serve evaluation path. No free trial is listed, so the routes in are a quote request and a demo booking. For a platform whose credit module pulls bureau data and whose cash application layer depends on how messy your remittances are, that means your own data only meets the product inside an arranged proof of concept, which is slower than trying it yourself over a quiet week.

How Gaviti compares

Gaviti's closest comparisons are the other receivables specialists, and the differences that matter are what the price is written against and how far up the cycle the product reaches. Credit decisioning and dispute management are the two capabilities that separate Gaviti from most chasing tools. Each price cell below comes from that product's own page.

Tool	Best for	Price	Where it breaks
Gaviti	Receivables teams who want credit, collections, disputes and cash application in one usage-priced package with unlimited users	Not published, quote only	No figure anywhere, the usage counter is unnamed, and card fees are described only as competitive
Chaser	Mid-market teams who want multi-channel invoice chasing and forecasting at a published price	From $259, $779 or $1169 per month	No credit application workflow, dispute module or cash application engine
Kolleno	Smaller teams who want a published per-user price tied to turnover bands	$545 or $995 per user/month billed annually	Priced per user with minimum seat counts, which is the opposite of Gaviti's unlimited-user model
Tesorio	Teams who want collections, cash application and supplier portal work handled by AI agents alongside forecasting	Not published, quote only	No published price and no stated metric, so even the shape of the bill has to be asked for

What to test in a Gaviti demo

No free trial is listed, so this is a demo and a scoped proof of concept. Since the pricing metric is published and the figure is not, split the sessions in two: prove the modules against your own ledger, then pin down the counter, the bands and the card rates.

Connect more than one system if you run more than one. Gaviti says it works with any ERP and can connect to multiple systems simultaneously, which is the claim most worth testing if your subsidiaries run different software. Import live aged debtors, then settle an invoice in the source system and confirm the chasing stops.
Run a real credit decision end to end. Submit an online credit application for a customer you would genuinely be unsure about, let the automated review and bureau data do their work, set an enforceable limit, then breach it and watch the order freeze fire. That chain is the capability most collections tools do not have, so make the demo prove it rather than describe it.
Give cash application a difficult day. Supply a remittance that covers three invoices, a short payment with a deduction code, and a payment captured from a customer portal rather than a bank file. Ask what matched without a person, what landed in the exception queue, and how deduction codes were recognised.
Open a dispute as a customer would. Use the claim form, log a partial dispute, check who got the instant alert, resolve it with the one-click settlement, and confirm the resulting entry in your ledger. Dispute volume is the hidden tax on receivables teams, so this step tells you whether the workflow is real or decorative.
Settle the commercial questions in writing. Ask for the usage counter named, the band boundaries stated, each of the five modules priced as its own line, and unlimited users, unlimited workflows and multiple entity support confirmed for the contract term and at renewal. Then get the card and cross-border rates for the payment portal, plus data export rights on exit.

Frequently asked questions about Gaviti

How much does Gaviti cost?

Gaviti publishes no prices. As of 16 October 2026 its pricing page is a Request a Quote form stating that pricing is tailored to each company's invoice volume, workflows and requirements, and is based on usage rather than per user. The package is designed after you submit the form.

Does Gaviti charge per user?

No. Gaviti states that pricing is based on usage rather than per user, and lists unlimited users and unlimited user permission profiles as included with every product. Adding collectors, controllers or read-only sales users should not move the bill, which is worth confirming in the order form.

What is included in every Gaviti package?

The pricing page lists the AI assistant, agentic AI chat, customisable workflows, custom fields, unlimited workflows, multiple entity support, unlimited users and unlimited user permission profiles as included with every product. Those are the levers most vendors in this category meter, so get them confirmed for the contract term.

What does the Gaviti platform cover?

Five modules: credit management with online applications and automated reviews, dunning and collections, dispute management, cash application with AI remittance capture, and a customer payment portal. That reach up into credit decisioning and across into disputes is what separates it from tools that only chase invoices.

Does Gaviti work with my ERP?

Gaviti describes itself as working with any ERP or business system and says it can connect to multiple systems at once, with no ERP change required. If your subsidiaries run different systems, that simultaneous connection is the claim to prove during a proof of concept rather than accept on the page.

What payment methods does the Gaviti portal accept?

The customer portal offers bank transfers described as no-fee, credit cards, and other payment options, with autopay, full invoice and payment history, customer credit requests and dispute initiation. Card fees are described only as competitive, with no rate published, so ask for the actual rates.

Can Gaviti handle credit checks and credit limits?

Yes. The credit module covers online credit applications, AI-powered credit review, automated customer credit reviews, credit searches in over 200 countries, credit bureau integration, automated credit limit setting, enforceable limits, utilisation flagging and client order freezes. Confirm whether bureau report costs sit inside the subscription.

Does Gaviti offer a free trial?

No free trial is listed. The pricing page offers a quote request and a demo booking instead. Because the credit module pulls bureau data and cash application depends on how messy your remittances are, push for a scoped proof of concept on your own ledger rather than a scripted demo.

How is Gaviti different from Chaser or Kolleno?

Mainly in scope and pricing basis. Chaser and Kolleno publish rate cards, Chaser by revenue band and Kolleno per user, and both focus on chasing and collections. Gaviti publishes no figure but prices on usage with unlimited users, and adds credit decisioning, dispute management and cash application.

What should we ask Gaviti about data and exit terms?

Nothing is published about retention or export, so raise it before signature. Ask for export rights over the customer ledger, credit decisions, dispute history and remittance records, which formats they come in, and how long data is kept after cancellation. Unwritten terms here are unagreed terms.