Top 10 AI-Powered AR Automation Tools in 2026

Managing accounts receivable has always meant balancing between chasing overdue payments without damaging customer relationships, tracking cash flow, and ensuring accuracy. Now with the use of AI, guesswork is out of collections. Modern accounts receivable software uses artificial intelligence to automate payment reminders, predict delays, and process cash applications in seconds.

If your business still relies on manual spreadsheets and ad-hoc follow-ups, you’re leaving efficiency and revenue on the table. This guide lists the top 10 AI-powered AR automation tools in 2026 so you can make an informed choice.

Why do AI-Powered AR Tools Matter? 

Today’s AI-powered AR automation platforms can do a lot more than basic invoice tracking. They can:

• Predict when customers are likely to pay based on historical data
• Automate personalized collection emails and call schedules
• Match payments to invoices without manual intervention
• Spot credit risks before they impact your bottom line

For businesses that are aiming to speed up cash flow, reduce DSO, and improve customer experience, investing in AI-driven accounts receivable software is now more of a necessity than a choice. Let’s take a look at the top 10 options available: 

1. HighRadius

HighRadius delivers a cloud-based, AI-powered Accounts receivable platform for the Office of the CFO, automating end-to-end AR process. Its agentic architecture already coordinates over 180 AI agents, achieving 90%+ touchless automation in modules like cash application and collections, with full autonomy targeted by 2027. Recognized as a leader in IDC MarketScape and Gartner Magic Quadrant, it offers deep ERP, bank, and e-invoicing integrations, enabling enterprises to reduce DSO, cut bad debt, and accelerate cash flow.

Best for: Large enterprises with global AR operations

Key edge: Deep ERP integration and advanced AI agents for autonomous task handling.

2. Billtrust

Billtrust is a provider of cloud-based order-to-cash automation solutions largely focused on mid to large B2B companies. It has incorporated advanced AI and automation features to help finance professionals. Its AI features include automated invoice delivery, predictive payment forecasting, and self-service payment portals. The platform’s machine learning models continuously improve accuracy in cash application.

Best for: Mid-to-large B2B companies

Key edge: Strong focus on customer payment experience.

3. Versapay

Versapay provides a fully unified platform powered by AI, machine learning, and OCR. It covers everything from digital invoicing and customer portals to collections and cash application, all tightly integrated with ERPs and banking systems. Its AI features include AI-Powered Cash Application, Digital Invoicing & Payment Portal, Collections Automation, and Unified ERP & Bank Integration.

Best for: Businesses prioritizing customer collaboration

Key edge: Combines automation with real-time communication tools.

4. Esker

Esker is a global leader in AI-driven Order-to-Cash (O2C) and Procure-to-Pay (P2P) automation. Its Esker Synergy AI platform combines predictive analytics, generative AI, machine learning, OCR, and NLP to streamline AR workflows. Key capabilities include payment date prediction, credit risk scoring, automated cash application, and intelligent collections prioritization.

Best for: Companies needing multilingual, global support

Key edge: Strong NLP capabilities for diverse document formats.

5. Tesorio

Tesorio specializes in cash flow performance and working capital optimization, connecting AR, treasury, and FP&A. Its AI-powered platform automates collections, predicts payment behavior, and provides real-time visibility into cash positioning. Tesorio’s strength lies in cash flow forecasting, which integrates directly with ERP data and customer payment history.

Best for: Finance teams focused on proactive liquidity management

Key edge: Robust predictive analytics for strategic cash planning.

6. YayPay by Quadient

YayPay by Quadient is a modern accounts receivable automation platform designed for mid-market companies. It combines predictive analytics, AI-powered forecasting, workflow automation, and customer portals to optimize invoicing, collections, and dispute resolution. YayPay centralizes AR data, providing dashboards that highlight at-risk accounts and collection priorities.

Best for: SMBs to mid-sized businesses

Key edge: User-friendly interface with strong reporting features.

7. Serrala

Serrala is a global provider of end-to-end financial automation covering AR, AP, treasury, and payments. Its AR suite leverages AI, machine learning, and analytics to drive cash application, collections management, and credit risk assessment. Serrala’s unique focus includes fraud prevention, compliance, and payment security, alongside ERP integration and scalable cloud/on-premise deployments.

Best for: Companies with high transaction volumes

Key edge: Strong focus on compliance and security.

8. Invoiced

Invoiced is a leading AR automation platform designed to streamline billing, collections, and cash application for mid-sized businesses. It offers automated invoicing, subscription billing, payment portals, and intelligent collections workflows. AI and rules-based logic help prioritize outreach, match payments, and reduce past-due balances. Invoiced integrates with major ERPs and accounting systems, offering real-time dashboards for visibility.

Best for: Subscription-based and service businesses

Key edge: Easy scalability for fast-growing companies.

9. Chaser

Chaser is a specialized credit control and collections automation solution, focused on helping SMEs get invoices paid faster. It combines email/SMS reminders, AI-driven personalization, and a centralized receivables hub to streamline collections. Chaser’s software integrates with accounting tools like Xero, QuickBooks, and Sage, offering smart schedules and tracking of debtor communications.

Best for: SMEs looking to reduce late payments

Key edge: High-level personalization in automated communication.

10. Zoho Books

Zoho Books is a comprehensive cloud-based accounting and AR management solution tailored for SMEs and startups. Beyond invoicing and expense tracking, it offers automated reminders, payment gateways, client portals, and tax compliance features. With AI enhancements like anomaly detection and smart dashboards, Zoho Books simplifies cash flow tracking and collections. It integrates seamlessly with the broader Zoho ecosystem (CRM, Inventory, Payroll) and third-party apps.

Best for: Small businesses seeking affordability

Key edge: Part of a larger, budget-friendly business suite.

How to Choose the Right AI-Powered Accounts Receivable Software

When selecting a tool, it is important to consider the following:

• Business size & complexity: Choose a tool that fits your business needs. Enterprise-grade tools for small businesses would not be the most cost-efficient decision. But also ensure that the tool chosen is one that can grow as your business grows.
• Integration needs: Ensure it works with your ERP, CRM, and accounting systems that are already in place. A standalone system does more harm than it does good, creating manual work and data silos.
• AI accuracy: Look for tools with proven, high-accuracy machine learning models.
• Automation coverage: Prioritize tools that handle cash application, collections, and dispute management together.

Choose a tool after thoroughly evaluating your team’s needs, customer base, and growth plans. Most AR software would have trial versions or demos of their product, which can help you assess if they are the right fit before committing

Conclusion

AI is rewriting the rules of accounts receivable management in 2026. From predicting late payments to automating entire collection workflows, these tools free up finance teams to focus on strategy instead of chasing invoices.

Choosing the right accounts receivable software can transform your AR process into a revenue accelerator, reducing delays, improving accuracy, and strengthening customer relationships. With the right tool, your AR department becomes a driver of growth, not just a back-office function.