Best AR Collections Software in 2026, by Outreach Channel and Automation Level

Disclosure: Abivo is our product. Facts about other tools come from their own websites as of October 2026.

The short answer: AR collections software falls into three levels. Email-first tools such as Tesorio, Gaviti and Quadient AR automate reminders and help collectors manage the inbox. Multichannel tools such as Upflow, Chaser and Kolleno add SMS, letters and call tasks to the sequence. AI agents that call, such as Abivo, Emagia's Gia Collect and Peakflo's voice agents, place the phone calls themselves. Abivo's AI agent, Kate, calls, texts and emails customers about overdue invoices in your company's name and hands disputes to your team with the full history. Pick the level that matches how your customers actually respond: if overdue invoices sit unanswered after several emails, more email automation will not fix it.

For a ranking by company size and type, see the best accounts receivable software by business type.

Comparison table

Channel coverage at a glance

Based on each vendor's own pages. "Not described" means we did not find it on the pages we read.

The three automation levels

Level 1: Email reminders and inbox help

Rules send reminder emails on a schedule, and AI may classify replies or draft responses. This works when customers have a reliable AP inbox and pay once reminded. It struggles when the billing contact is wrong or emails land in spam; our guide to collections email deliverability covers that problem.

Level 2: Multichannel sequences

The sequence adds SMS, postal letters and call tasks or VOIP calls for a collector. Coverage improves, but someone on your team still makes most of the calls.

Level 3: AI agents that call

The agent places the call, talks to the customer, records the outcome and routes exceptions to people. This suits teams with more overdue accounts than collectors. Our comparison of AI voice agents for B2B collections and the guide to autonomous vs assisted AR collections go deeper.

Abivo

Abivo is AI collections software for B2B finance teams. Its AI agent, Kate, calls, texts and emails customers about overdue invoices in your company's name. Kate records promises to pay, disputes and next steps, and hands disputes and requests to speak with a person to your AR team with the full history.

You set the cadence per account or segment, so a slow but loyal customer can get a gentler rhythm than a new account. You can pause any single invoice and flag key accounts so a named owner handles them. Reminders name the invoice details AP needs, such as job, site, PO or billing period, and one message can cover every open invoice on an account. Multi-entity teams keep each subsidiary separate, and Abivo works with customers in over 50 countries and in any currency.

Abivo connects with QuickBooks, Xero, NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, SAP and Chargebee, or an aging report export, and does not replace your accounting system, invoicing, payment processing or cash application. "OFS Group, a fire protection contractor, collected $842,518 in its first four months with Abivo" (case study). See how AI collections calls work in practice.

Choose it when: emails are not getting answers, your team has no time to call, and you want calls, texts and emails in one consistent cadence.

Emagia Gia Collect

Emagia describes Gia Collect as an autonomous AI agent for AR collections that calls priority accounts and holds conversations in 23 or more languages. It places calls individually or in parallel campaigns, looks up invoice details during the call, records promises to pay with date and amount, and queues disputes for human review. Calls are transcribed and scored for sentiment. It connects to SAP, Oracle, NetSuite and MS Dynamics or works from a CSV upload. See our Emagia alternative.

Choose it when: you are a global enterprise that needs multilingual calling across time zones.

Peakflo

Peakflo's AI voice agents run outbound collection calls timed by due dates and customer behavior, reference invoice numbers and amounts, and log promises, callback requests and disputes. The agent escalates to a person in real time when a customer is confused or upset, and disputes and extension requests go to a manager. Peakflo offers a separate AI WhatsApp agent and lists NetSuite, QuickBooks, SAP, Business Central and Xero integrations.

Choose it when: you want voice calls as part of a broader finance automation platform, especially for cross-border collections.

Upflow

Upflow can schedule "emails, calls, SMS or postal letters" in a dunning sequence, with timing and tone set per account. It describes VOIP calling with transcripts and summaries, and collection agents that range "from fully autonomous to suggestions only," set per skill such as replies, promises to pay and disputes. A branded portal lets customers pay or commit to a payment date.

Choose it when: you want every channel in one sequence and control over how autonomous the AI is.

Chaser

Chaser sends reminders by email, SMS, letter and automated phone call, with in-app calling and an AI email generator. You can run multiple schedules, including one per customer, and reminders stop when an invoice is paid. It includes a billing portal, payment plans and late fees, and offers outsourced credit control through Chaser Care.

Choose it when: you are a smaller business that wants broad channel coverage from templated schedules.

Kolleno

Kolleno's automated emails send when trigger conditions such as delays and conditionals are met, and its AI agents let you set tone, languages, escalation triggers and follow-up timing. Emails, calls, SMS and notes are logged in one activity feed. Customers get a payment portal, and integrations include NetSuite, Sage, SAP, Xero and QuickBooks.

Choose it when: you want detailed control over automated email logic plus a payment portal.

Gaviti

Gaviti sends personalized reminders, tracks follow-ups and escalates based on due dates, aging, payment history or credit terms. It logs calls, emails and notes, supports task assignment and skip-tracing, and offers an AI assistant that helps optimize dunning emails. Credit, dispute and cash application modules sit alongside.

Choose it when: your team runs email dunning and wants credit and disputes in the same tool.

Quadient AR

Quadient AR uses rule-based triggers to send reminders and escalate, and creates print and digital communications based on customer preferences. Its agentic AI reads incoming AR emails, identifies the next step and prepares it for review.

Choose it when: some customers still need printed reminders and you want one platform for print and digital.

Tesorio

Tesorio's Collections Agent reads and classifies incoming AR emails as payments, disputes, questions or escalations, extracts payment dates and drafts responses for one-click sending or review. Worklists are prioritized by machine learning scores.

Choose it when: your customers reply by email and the bottleneck is working the inbox.

How to choose by channel and automation level

• Check where your past-due dollars sit. If most are with customers who have not replied to any email in 30 days, you need a channel change, not a better template.

• Know your contacts. Calls and texts need a working phone number for the AP contact. Audit billing contact data before you switch on any channel.

• Decide who talks to customers. With multichannel tools, your collectors make the calls. With AI calling agents, the agent calls and your team handles exceptions.

• Test the hand-off. Ask each vendor what happens when a customer disputes an invoice or asks for a person mid-call. The answer should be a named owner with the full history.

• Protect relationships. Set cadence by account and keep key accounts with a named owner. Our article on whether AI collections calls hurt customer relationships covers the concerns buyers raise.

• Match the reminder to AP. Invoice number, PO, job or billing period should be in every message so AP can match it.

For dedicated team tools, see collections software for AR teams. To hear Kate on your own accounts, book a 30-minute demo on your own aging report.

Frequently Asked Questions

What AR collections software can make phone calls automatically?

Abivo, Emagia Gia Collect and Peakflo describe AI agents that place collection calls. Chaser describes automated phone call reminders, and Upflow describes VOIP calling with transcripts and summaries.

Is email automation enough for B2B collections?

It works for customers who pay once reminded. For invoices that sit unanswered, adding texts and calls usually reaches the person who can approve payment. Many teams keep email for routine reminders and add calls for older balances.

Do AI collections agents replace human collectors?

They take on routine follow-up. With Abivo, disputes and requests to speak with a person go to your AR team with the full history, and key accounts can stay with a named owner.

What should an AI collections call say?

It should identify your company, name the invoice, PO or job, state the amount and due date, and ask when payment will be made. It should record any promise to pay or dispute and route exceptions to your team.

Which AR collections software works with QuickBooks or NetSuite?

Abivo connects with QuickBooks, NetSuite, Xero, Sage Intacct, Business Central, SAP and Chargebee. Chaser, Kolleno, Peakflo and Upflow list QuickBooks and NetSuite among their integrations.

Related guides: best debt collection software for B2B, best dunning software, best payment reminder software.