AR Automation

Paystand is a B2B payment network that enables businesses to send and receive commercial payments with zero per-transaction fees, replacing traditional ACH and check payments with a network-based model. Founded in 2013, Paystand's business model is unique: rather than per-transaction fees, businesses pay a flat subscription covering unlimited payments. This model is particularly advantageous for businesses with high payment volumes where traditional per-transaction fees accumulate significantly. The platform processes bank-to-bank payments, credit card payments, and digital check payments within a single interface. AR automation sends digital invoices with embedded payment links for one-click payment. Payment application matches incoming payments to open invoices automatically. AP automation manages outbound payments with approval workflows and payment scheduling. The Paystand Network connects over 170,000 businesses for free peer-to-peer transfers. Blockchain-based payment rails provide immutable transaction records. Integration with NetSuite, Salesforce, and other business systems automates payment workflows. Paystand's zero-fee proposition is most compelling for manufacturing companies, distributors, and B2B businesses processing millions in annual payments where fee savings are substantial. The subscription model rewards high-volume customers who realize increasing returns as payment volume grows.

Chaser is an accounts receivable automation platform focused on the specific pain of chasing overdue invoices — a time-consuming process that most small and medium businesses handle manually through awkward email follow-ups. The platform integrates with QuickBooks Online and Xero to pull invoice data, then automates personalized payment reminder sequences that escalate in tone as invoices age. Crucially, reminders are sent from the user's own email address rather than a generic platform address, preserving the personal relationship while eliminating manual effort. Chaser's AI-powered scheduling optimizes the timing of chasers based on historical payment patterns for each customer — learning whether a particular client responds best to Monday morning reminders or Thursday afternoon nudges. The built-in payment portal allows customers to pay directly from the reminder email without friction. Dispute management tools track reasons for non-payment and route exceptions to human review. Collections escalation connects unpaid invoices to Chaser's credit control partners when internal chasing is exhausted. Aging reports and debtor dashboards give finance teams clear visibility into AR health. The platform is particularly valued by accounting firms managing AR for multiple clients, who use Chaser to provide a professional credit control service without dedicated headcount. For SMBs spending hours weekly on manual invoice follow-up, Chaser typically recovers its subscription cost many times over.

Gaviti is an accounts receivable collections automation platform that emphasizes autonomous agent workflows — configurable sequences of actions that trigger automatically based on invoice status, customer payment behavior, and risk signals. The platform integrates with QuickBooks, Xero, NetSuite, SAP, and other ERPs to maintain a real-time AR ledger, then applies layered automation rules that go beyond simple email reminders. Autonomous agents can assign tasks to collectors, escalate to managers, update CRM records, pause collections for negotiation periods, and resume follow-up after customer commitments — all without manual scheduling. Customer-level intelligence learns payment patterns and adjusts collection timing accordingly. A self-service payment portal allows customers to pay, set up payment plans, or raise disputes without requiring phone calls. The cash forecasting module uses historical payment data and current AR status to project expected cash inflows week-by-week, improving treasury planning accuracy. Reconciliation tools assist with matching complex remittances including deductions and partial payments. Gaviti's analytics dashboards track collector productivity, campaign effectiveness, and portfolio-level AR metrics. The platform serves mid-market companies across manufacturing, distribution, SaaS, and professional services. For AR teams that have outgrown basic dunning tools but aren't ready for enterprise-tier investment, Gaviti offers sophisticated automation at a more accessible price point.

Growfin is an accounts receivable automation platform built specifically for B2B SaaS and technology companies, addressing the unique collections complexity that arises when customers are other tech businesses with multi-stakeholder approval chains, enterprise payment processes, and complex contract structures. The platform's collaborative approach recognizes that AR collection in SaaS often involves account management, customer success, and finance teams working together — Growfin provides a shared workspace where all these stakeholders can coordinate on customer communication and payment status without siloed email threads. Automated workflows create task assignments and escalations based on invoice aging, customer health scores, and contract terms, ensuring the right person takes action at the right time. The platform integrates with Salesforce to pull customer relationship context alongside financial data, enabling collections strategies informed by renewal risk and expansion opportunity. Payment links support credit card and ACH collection with a branded customer experience. Analytics track DSO, cash recovery rate, and individual collector performance. Growfin's real-time cash collection forecasting helps CFOs model expected cash receipts with greater confidence than spreadsheet-based projections. The platform connects to Stripe, QuickBooks Online, Xero, NetSuite, and Chargebee. For SaaS finance teams managing enterprise customer collections where relationships matter as much as automation, Growfin's collaborative design fills a gap that generic AR platforms leave open.

Invoiced is a B2B accounts receivable automation platform designed for companies managing high invoice volumes with complex billing arrangements — subscription terms, milestone billing, net payment terms, and enterprise customer relationships. The platform automates the entire AR workflow: invoice generation from contracts, automated dunning sequences for overdue accounts, payment plan negotiation, dispute resolution tracking, and cash application against open invoices. The customer billing portal provides enterprise clients with a self-service interface to view statements, dispute invoices, and submit payments via ACH, credit card, or check. Invoiced integrates with accounting systems including QuickBooks Online, Xero, Sage Intacct, and NetSuite, pulling billing data and pushing payment records without manual reconciliation. Advanced analytics surface AR health metrics: DSO (days sales outstanding), collection effectiveness, aging analysis, and revenue at risk. Subscription billing features handle recurring invoices with automatic price escalations and contract renewals. The payment reconciliation engine matches incoming payments to open invoices even when partial payments or reference numbers don't precisely match. For finance teams at B2B companies billing 50–5,000 customers monthly, Invoiced's automation reduces manual AR touchpoints significantly, improving cash flow predictability while freeing AR staff for high-value exception handling.

Kolleno is an AI-powered accounts receivable and credit management platform that consolidates invoice tracking, automated collections, payment processing, and credit risk assessment in one unified workspace. The platform integrates with major accounting systems — QuickBooks, Xero, Sage, NetSuite, and Microsoft Dynamics — to pull invoice data and maintain a real-time AR ledger. Automated dunning sequences are customizable by customer segment, invoice age, and payment history, with AI dynamically adjusting communication timing for maximum collection effectiveness. The credit risk module provides real-time assessments of customer payment probability using behavioral data and external credit signals, allowing finance teams to prioritize collection effort on high-risk accounts proactively. Payment collection supports multiple methods including credit card, ACH, SEPA, and open banking payment links embedded in reminder communications. The unified inbox consolidates all AR communication — emails, replies, disputes, payment confirmations — into a single tracked thread per invoice. Reconciliation automatically matches incoming payments to open invoices, handling partial payments and overpayments gracefully. Analytics dashboards surface DSO trends, collection efficiency ratios, and forecasted cash receipts. Kolleno targets mid-market companies with complex B2B customer bases where credit risk management and professional collections workflows are essential for cash flow stability.

YayPay was a pioneering AI-powered accounts receivable automation platform that used predictive analytics to forecast payment behavior, automate collections workflows, and reduce DSO for mid-market and enterprise B2B companies. The platform's machine learning models analyzed payment patterns across millions of transactions to predict which invoices were likely to become overdue and recommend proactive intervention strategies. YayPay was acquired by Quadient in 2020 and subsequently integrated into Quadient's broader AR Automation suite. The core capabilities that made YayPay distinctive — predictive payment scoring, automated dunning with ERP integration, self-service customer portals, and cash application automation — are now available under the Quadient AR product umbrella. Legacy YayPay customers have been transitioned to the Quadient platform, which adds document output management, multi-channel communication, and an expanded integration library. For prospects evaluating AR automation, the relevant product is now Quadient AR, which inherits YayPay's predictive analytics foundation alongside Quadient's enterprise-grade infrastructure. The combined platform targets finance teams at companies with $10M+ in annual revenues and complex receivables portfolios where manual AR management creates meaningful cash flow risk.