Best Accounts Receivable Software for Startups
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Compare the Top Accounts Receivable Software for Startups as of October 2026
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What is Accounts Receivable Software for Startups?
Accounts receivable software helps businesses manage incoming payments by automating invoice generation, payment tracking, and collections processes. It streamlines billing workflows, sends payment reminders, and records transactions to improve cash flow and reduce days sales outstanding (DSO). The software often integrates with accounting, ERP, and CRM systems to provide a comprehensive view of customer accounts and payment histories. Features may include dispute management, credit management, reporting, and payment gateway integration. Accounts receivable software is essential for enhancing financial accuracy, accelerating revenue collection, and improving customer relationships. Compare and read user reviews of the best Accounts Receivable software for Startups currently available using the table below. This list is updated regularly.
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1
Xero
Xero
Xero’s invoicing software simplifies billing by enabling you to create, send, and track invoices. So you can spend less time on admin and more time doing what you love. Use the desktop or mobile invoice app for automated reminders, customizable templates, and digital payment options.Starting Price: $20/month -
2
D&B Finance Analytics
Dun & Bradstreet
AI-driven credit-to-cash solutions powered by Dun & Bradstreet’s industry-leading global data and analytics. D&B Finance Analytics provides AI-driven solutions powered by the Dun & Bradstreet Data Cloud. Intelligent, flexible, and easy to use, D&B Finance Analytics helps finance teams manage risk, increase operational efficiency, reduce cost, and improve the customer experience. Manage credit and receivables risk to help minimize bad debt, reduce DSO, and improve cash flow. Help automate manual decisioning, monitoring, matching, and customer communications. Provide your customers with an online credit application and a payment portal. D&B Finance Analytics comprises two platforms, D&B Credit Intelligence, and D&B® Receivables Intelligence, that together provide powerful insights and technology to help you accelerate success throughout your credit-to-cash processes. You can gain visibility into credit risk quickly onboard customers and set the right terms. -
3
Monk
Monk
Monk automates the full accounts receivable cycle from invoice to cash. Intelligent collections follows up on every overdue invoice with context-aware outreach that reads replies, adjusts tone per customer relationship, and resolves 90% of invoices without human intervention. Cash application matches incoming payments to open invoices at an 80% match rate, rising to 95% with suggested rules your team controls. Monk submits invoices into 600+ corporate AP portals automatically and surfaces only the exceptions that need your input. Real-time reporting covers aging, DSO, collections performance, and billed vs. collected, all exportable. Teams see a 40%+ reduction in DSO, save roughly 26 hours a month, and go live in days, not months. Integrates with QuickBooks, NetSuite, Stripe, Salesforce, HubSpot, and more. -
4
Collect!
Comtech Systems
Accounts Receivable refers to the software and processes that companies use to collect moneys owed to them by customers for goods or services already provided. Consumers have purchased goods or services on credit, the business needs a systematic, automated process to collect the moneys owed. This may or may not involve reporting the outstanding amounts to credit bureaus.Starting Price: $699/month -
5
InterProse ACE
InterProse
InterProse ACE is a modern, web-based debt recovery software solution built for collection agencies who specialize in consumer or commercial debt, including property management, healthcare, education, and government accounts. ACE also serves collection attorneys, property managers, original creditors, financial institutions and government entities. Developed to be flexible and configurable with no one business case in mind, our feature-rich debt collection application helps users easily manage their accounts, set up custom payment plans, process billing, issue client invoicing and reports, manage legal judgments, report/analyze their data in custom templates, automate just about any manual process and do it all in a highly efficient and cost-effective way. Key features include account bundling, account-level documents attachments, heavy process automation, client access, trust accounting, credit reporting, consumer self-service tools, and numerous tech integrations.Starting Price: $1,173.00/month -
6
Epicor Financials
Epicor Software
Epicor Financials is a cloud-native financial management solution that helps organizations streamline accounting processes, automate workflows, improve compliance, and gain real-time visibility into financial performance. Built on a modern cloud architecture, the platform combines core accounting, financial reporting, planning, analytics, governance, and AI capabilities within a unified ecosystem. Organizations can extend the core accounting solution through Epicor's broad ecosystem of business applications and ISV solutions. Designed exclusively for the cloud, Epicor Financials benefits from continuous innovation through regular upgrades and a modern CI/CD deployment approach, helping customers stay current without disruptive upgrades. The solution scales globally with support for multiple books, companies, sites, currencies, languages, and legal entities while maintaining centralized financial control.Starting Price: $13/user monthly (SaaS) -
7
Melio
Melio
Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.Starting Price: Free -
8
EBizCharge
EBizCharge
EBizCharge is the leader in integrated B2B payments and accounts receivable automation, powering streamlined AR processes for over 400,000 users across the US and Canada. Our AR automation platform securely processes payments, manages receivables, and accelerates cash flow inside 50+ ERP, CRM, and accounting solutions. EBizCharge transforms your accounts receivable operations by eliminating manual data entry, reducing errors, accelerating collections, and improving cash flow visibility. Our AR suite provides automated invoice delivery, payment reminders, customizable AR aging reports, electronic invoicing, secure encryption, email payment links, customer payment portals, and automated payment posting. EBizCharge is PCI-compliant with advanced data encryption and tokenization, securing all financial data throughout your AR workflow. Integrates with QuickBooks, NetSuite, SAP, Oracle, Sage, Microsoft Dynamics, Salesforce, Acumatica, and more.Starting Price: $25/month -
9
Gravity Software
Gravity Software, LLC
Gravity Software provides cloud-based accounts receivable management for growing and multi-entity organizations. Automate billing and collections, manage customer invoices and payments, and gain real-time visibility into receivables and cash flow. Automated workflows can send reminders and notifications for overdue payments, while real-time dashboards and aging reports help finance teams track outstanding invoices, payment trends, and collections. Integrated credit card and ACH processing helps customers pay faster. For multi-entity organizations, Gravity can automate intercompany billing and allow a single customer payment to be applied to invoices across multiple companies, reducing duplicate data entry and manual reconciliation while keeping entity-level records accurate.Starting Price: $375/month/first user -
10
Online Check Writer
OnlineCheckWriter.com – Powered by Zil Money
Take advantage of Overnight Check Mailing with Tracking for secure payments: simply create your checks, click send, and OnlineCheckWriter.com – Powered by Zil Money will print and mail your checks via FedEx overnight. Users can design, customize, and print checks using a regular printer on blank stock paper, saving up to 80% on costs. Checks can be printed at home and mailed to payees with mailing services starting at $1.25. The platform also enables payments via ACH, checks, and wire transfers. In addition, OnlineCheckWriter.com supports secure international payments and offers easy expense control with virtual cards. OnlineCheckWriter.com – Powered by Zil Money integrates with leading accounting platforms to automate bookkeeping and streamline financial operations. Supported integrations include QuickBooks (QuickBooks Silver Tier Partner), Xero, Zoho Books, Sage Intacct, NetSuite, and FreshBooks, allowing businesses to manage payments and reconcile accounts efficiently.Starting Price: $0/month -
11
OmegaCube ERP
OmegaCube Technologies
OmegaCube ERP is a powerful ERP software built for small & medium manufacturers & distributors. OmegaCube ERP has enabled enterprises from diverse industries (automotive, medical devices, aerospace, metal fabrication & electronics etc.) to realize workflow automation, centralized plant operations, cost reduction etc. It can be integrated with third party Nesting, CAD, e-Commerce, RFID, Bar Code, Shipping & Logistics, Credit Card Payments & manufacturing intelligence software. The ERP is equipped with a product configurator that helps create rule-based solutions to meet various requirements. OmegaCube ERP is backed by a proprietary web-based platform, that allows enterprises to deploy it on premise or on a public/private cloud. It allows them to extend or customize, build own applications & incorporate unique rules with minimal coding. Our well-defined implementation methodology ensures that customers utilize the ERP to its complete potential & achieve business processes automation. -
12
NolaPro
Noguska
NolaPro is a robust, Linux-based ERP for Accounting, Order Tracking, Inventory Management & Payroll, designed to rival much more expensive choices. It is fully customizable and scalable for any size business, unlike any accounting program available today. The Cloud version allows a "hands-off" approach, but can be downloaded on Linux or Windows platforms for those who prefer to have local control and security. Features include: Credit Card Processing, Fulfillment & Service Order, AP, AR, Inventory, CRM, General Ledger, Payroll, Timeclock, Client Payment Portal and integration with many 3rd party apps -- or request your own! NolaPro is multi-lingual, supports multi-currency, offers tons of options & add-ons, and comes fully loaded with over 150 standard reports. A+ reviews from TechRepublic, The Linux Journal, Entrepreneur Magazine and CNet agree that NolaPro provides flexibility, features and pricing which provide you unparalleled value in managing your business.Starting Price: $0 -
13
Adminsoft Accounts
Adminsoft
Adminsoft Accounts is a Windows based accounts system designed specifically for small businesses. It is an accrual based double entry, multi-currency, and multi-user system. It handles customer and supplier accounts, all related transactions, plus general ledger, stock control, payroll (depends on country), and human resources. First published in 2007, it has thousands of users across the world.Starting Price: $199.00/one-time/user -
14
Retrievr
Retrievr
Retrievr automates accounts receivable follow-up, helping businesses reduce manual administration and improve cash flow. Key features: Automated invoice reminder workflows Email and SMS payment reminders AI-assisted customer responses Combined reminders for multiple invoices Customer communication history Promised payment date tracking Automated and manual invoice enrolment Recurring reminder schedules Dashboard for outstanding invoices Xero integration API and webhook support Retrievr is designed for small and medium-sized businesses that want to spend less time chasing payments and more time running their business. By automating invoice follow-up while keeping every customer interaction organised in one place, Retrievr helps improve collection rates, reduce overdue invoices, strengthen customer relationships, and maintain consistent, professional communication throughout the payment process.Starting Price: $39/month -
15
NetSuite
Oracle
Oracle NetSuite is the world’s leading AI-powered cloud ERP, trusted by more than 42,000 customers worldwide. The platform unifies ERP, financials, CRM, ecommerce, and analytics into one suite, creating a single source of truth for organizations. Its built-in AI doesn’t just predict—it learns from your business data to deliver accurate insights, recommendations, and automation. With NetSuite, companies can streamline accounting, manage global operations, improve customer relationships, and optimize HR processes all from a centralized cloud platform. Its omnichannel commerce tools also help businesses scale by connecting online, offline, and B2B sales seamlessly. By combining scalability, real-time visibility, and AI-driven intelligence, NetSuite empowers organizations to operate smarter and grow faster. -
16
QuickBooks Online
Intuit
QuickBooks Online is the most popular accounting software in the world. QuickBooks Online makes accounting easy. Make tracking receipts, income, bank transactions, and more feel simple with the #1 small business accounting software. Snap photos of your receipts and link them to expenses right from your phone. Our agents are ready and available to answer all your QuickBooks questions. Use the apps you know and love to keep your business running smoothly. QuickBooks Online works on your PC, Mac, tablets, and phones. Click the link above to get a 30 day free trial and 50% off your first 3 months. More than accounting software. QuickBooks helps you track income, expenses, and stay ready for taxes. Customers find on average $3,534 in tax savings per year.Starting Price: $9/month (normally $15/month) -
17
Avaza
Avaza Software
Avaza is a cloud-based professional services automation tool that streamlines project collaboration, resource scheduling, time and expense tracking, retainer management, and invoicing. Trusted by teams across industries, it combines essential business functions into a single, efficient platform. Avaza’s all-in-one approach removes the need for multiple subscriptions and duplicate workflows. By integrating project management, financials, and retainer functionality, it provides businesses with real-time insights into project profitability, employee utilization, and retainer usage, all in one unified system. The retainer feature simplifies ongoing client engagements by automating payments and applying credits for completed work. This ensures seamless billing, efficient resource allocation, and greater transparency. Available across desktop, tablet, and mobile devices, Avaza ensures true on-the-go operational management for companies seeking flexibility and efficiency.Starting Price: $11.95/month -
18
Synder
Synder
One of the best accounting software for small businesses, Synder is the right solution for those who seek high-quality service, 24/7 support, and advanced automated features. After you connect all of your sales channels and payment platforms, you will be provided with automatic bookkeeping, which guarantees precise and error-free synchronization of your transaction data, categorization, and live data reconciliation within a single interface. Synder makes accurate records of your payment data without duplicates. Detailed and 100% correct Profit and Loss Reports contain additional helpful information to analyze your business’ cash flow and budget planning. The software runs smoothly and automatically, and there is no need to log in to get it done. Synder lets you apply sales taxes, taxes based on location, shipping address, product name, etc. Recurring invoices remind customers of regular payments. Synder offers a free trial and a demo to learn more about this breakthrough software.Starting Price: $39.99 per month -
19
Zil Money
Zil Money
Zil Money offers the Payroll by Credit Card feature to pay your employees on time and earn cash back rewards. Also write-off payroll funding by credit card fees as a business expense. This is a great solution to improve cash flow and keep your employees happy. The platform provides payment methods like ACH, wire, eChecks, printable checks, international payments, virtual cards, and more for flexible fund transfer. You can also customize and print checks instantly on blank stock papers using a regular printer at your office or home. Zil Money, is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.Starting Price: $0 -
20
FreshBooks
FreshBooks
Make invoicing and billing painless for your small business with FreshBooks. A top-rated invoice and accounting software for self-employed professionals and small businesses, FreshBooks offers a fast, easy, and secure way of crunching numbers so companies can focus on doing the work they love. It offers a wealth of powerful features that includes invoicing, expense tracking, time tracking, project management, payment processing, and reporting. FreshBooks also lets users work from anywhere with the Freshworks mobile app.Starting Price: $6.30/month -
21
Upflow
Upflow
Upflow helps B2B companies around the world unlock owed cash reserves with cutting-edge AR technology. Join thousands of finance leaders achieving cash collection excellence with Upflow. We seamlessly integrate with your accounting stack in just a few clicks to help you better manage your Accounts Receivables and gain instant real-time insights through our comprehensive analytics to drive effective cash collection efforts.Starting Price: Free to Start -
22
BILL
BILL
BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.Starting Price: $45 per user per month -
23
Expensify
Expensify
Track expenses, pay bills, generate invoices, collect payments, plan trips, and manage company credit cards. All of your preaccounting, in one app. Expense Management - Snap a photo of a receipt with SmartScan for easy expense reporting, approval, next-day reimbursement, and syncing with accounting software. Expensify Card - Get the best business credit card for even faster expense reporting making corporate card reconciliation and expenses a breeze, and it’s free. Bill Pay - Send your vendor bills to Expensify for automatic tracking, approval, and payment. Invoices - Create and send invoices, while collecting payments and syncing automatically to your accounting package. Travel - Book flights, hotels, and cars simply by chatting with Concierge, your personal trip planner. Personal Payments - Split bills, request payments, and chat with friends. Give it a go at Expensify.cash!Starting Price: $5.00/month/user -
24
BlueSnap
BlueSnap
BlueSnap's All-in-One Accounts Receivable Automation solution, formerly Armatic, is the highest rated software solution for Payment Processing, Billing/Invoicing, Recurring Billing and Subscription Management. Billing and Invoicing: Create beautiful invoices with our powerful invoice editor synced into your accounting system. Provide a customer portal, automatic charging, payment collection, and apply late fees. Recurring Billing & Subscription Management: BlueSnap provides enterprise-class subscription billing management for fast-growing businesses worldwide. Enable trial periods, manage plans, or prorate subscriptions. Payment Processing: BlueSnap is processor agnostic and provides integrations to all types of payment solutions from credit card payments, ACH, SEPA to wires. We handle partial payments, automatic failed payment retry, and automatic payment recovery.Starting Price: $35/user/month -
25
Biller Genie
Biller Genie
About Biller Genie Biller Genie is an award-winning, cloud-based accounts receivable automation and e-invoicing solution that automates accounts receivable from bill presentment, follow up, collection, and reconciliation - without changing your current process. Biller Genie integrates directly with your accounting software, so there is no new software to learn and you can keep your existing payments processor. The Genie does all of the heavy lifting for you. Simply hit save and we take over from there - sending out invoices via email or paper mail, following up with reminders on your custom schedule, accepting payments online via credit card, ACH, and Apple Pay, and reconciling payments back into your accounting software. Our average subscriber sees a 40% reduction in overdue invoices, gets paid 15 days faster, and saves 10-20 hours of administrative work per week. Your account can be set up in less than 15 minutes.Starting Price: $49.95/mo + 0.50% per invoice collected -
26
RIB BuildSmart
RIB Software
RIB BuildSmart is a fully integrated, web-based, enterprise management system providing industry aligned information to construction companies. It integrates Costing, Project and Enterprise accounting for real-time analysis and effective project management. RIB BuildSmart includes various modules comprising of Procurement, Accounting, Payroll, Plant, Yard & Store Management, Subcontract Management, Business Intelligence, HR and Time & Attendance. -
27
Paysetra
Paysetra
Paysetra is a cloud-based platform that delivers end-to-end accounts receivable automation to SMBs. Paysetra empowers businesses to deliver exceptional customer experiences by automating all steps in the invoicing process from invoice presentment to cash. A customer self-service portal enables the viewing of invoices, collaborating on questions and/or disputes, and facilitates a range of secure online payments. - Enhance invoicing management - Offer customers a range of payment methods - Accept local payment options from over 30 countries - Automate collection workflows - Visualize real-time accounts receivable data - Streamline financial operations - Automatic reconciliation of payments and accounting data into your ERP -
28
myBooks
ZETRAN
myBooks Online Accounting Software by Zetran Corporation is a cost-effective, web-based, and simple accounting application that is equipped with essential features for small businesses. It has an intuitive and easy-to-use interface that promotes quick learning of accounting tools and concepts. With this gentle learning curve, small-sized companies do not need to expend for professional accounting services. myBooks Online Accounting Software is also a unique solution as it has an in-built automation capability. This means that credit cards and bank accounts linked to the cloud-based program are processed immediately for transactions, regardless of the currencies involved. This abstracts complicated foreign exchange processes, so you can focus more on tasks that require immediate attention. Moreover, myBooks Online Accounting Software provides stringent security to your company’s financial information.Starting Price: $5.00 per month -
29
Patriot Accounting
Patriot Software
Patriot Accounting is an innovative, cloud-based accounting and payroll system for accountants and small business owners. Simple and intuitive, Patriot Accounting helps users efficiently track monetary transactions, invoice customers, print forms, and pay bills. By leveraging Patriot Accounting, users have the capability to set up multiple accounts, including income and expense accounts, as well as handle various types of transactions such as money withdrawn or deposited, incoming money from product sales, money for payroll, and more. Patriot Accounting offers a host of features such as cash tracking, vendor account management, profit and loss statement, transaction summary reports, expense tracking, among others.Starting Price: $20/month -
30
AccountMate
AccountMate Software
AccountMate offers unique accounting solutions for your growing business. You can gain a competitive edge with a unique, modified version of our ERP software. Designed to accommodate hundreds of concurrent users, this product offers an an enhanced user interface and robust features, ease of use, and are extendable (using the AccountMate Enterprise Software Development Kit) as well as source code modifiable. This flexibility allows you to customize the AccountMate products to fit your business processes and adapt as your business grows. Designed for small businesses that desire the stability and speed of SQL Server without incurring the expense of SQL Server license and allows up to five concurrent users. This product offers an identical user-interface, ease of use, and are extendable (using the AccountMate Enterprise Software Development Kit) as well as source code modifiable.Starting Price: $4000.00/user
