Bill.com alternatives for accounts receivable teams: 5 AR platforms compared for 2026

If your team uses BILL, as Bill.com is now called, and its receivables tools no longer keep up with your collections, this guide compares five accounts receivable platforms you could realistically consider instead: Kolleno, Centime, Chaser, Upflow and Versapay. Each one automates collections, lets customers pay online, and connects directly to at least one of the accounting systems BILL syncs with: QuickBooks, Xero, NetSuite or Sage Intacct. Listed by the size of business each platform is built for, smallest first.

Before you switch: what BILL offers for receivables

Bill.com rebranded as BILL in 2022, according to the company's own timeline. It sells its payables and receivables products together as BILL Accounts Payable & Receivable, a name review sites shorten to BILL AP/AR, and it reported serving 479,300 businesses at the end of its 2026 fiscal year. On the receivables side:

• Invoicing. You create branded invoices from templates, send them by email or have BILL post them by US mail, and schedule recurring invoices.
• Getting paid. Customers pay by ACH or credit card, with auto-charge and auto-pay. Since May 2026 you can also send a payment link by email or text without creating an invoice.
• Accounting sync. Two-way sync with QuickBooks Online, QuickBooks Pro and Premier, and Xero starts on the Team plan. QuickBooks Enterprise, Oracle NetSuite, Sage Intacct and Microsoft Dynamics need the Enterprise plan. The Essentials plan connects by CSV import and export only.

Where BILL's collections tools stop

According to BILL's help center, you can set up to three automatic reminders, each sent a chosen number of days before or after the invoice due date. Reminders go by email, are off until you switch them on, and default to 30, 60 and 90 days. You edit one set of templates, and the help article does not describe different schedules for different groups of customers. BILL's accounts receivable page, pricing page and reminder help article do not mention payment plans or handing a debt to collections, so check with BILL if you need either.

A dedicated AR platform usually makes sense when one of these is true for your team:

• You need more than three reminders, or schedules that differ by customer segment.
• You want to reach customers by SMS, phone or letter as well as email. According to Chaser's 2026 accounts receivable report, businesses that combine SMS and email are 49% more likely to be paid within two weeks than those relying on email alone.
• You want payment plans, credit risk insight or a route to escalate unpaid debts.

If your frustration is with bill approvals or supplier payments rather than getting paid, you need an accounts payable tool, which this guide does not cover.

Who this comparison is for, and how the platforms were chosen

This guide is for finance managers and AR teams at small and mid-market B2B companies, in the US, UK and elsewhere, who use or are evaluating BILL and need more from its receivables side. The same report found that businesses using AR automation software are 52% more likely to be paid within two weeks of their invoice due date than those that are not.

A platform is included only if all three of these are true:

• Its own website says it serves mid-market businesses or businesses of all sizes, which overlaps the small and midsize companies BILL presents itself to.
• It automates collections and lets customers pay online.
• Its own website names a direct integration with QuickBooks, Xero, NetSuite or Sage Intacct.

Each platform is described on the same criteria: who it is built for, key features, integrations, pricing model, pros and cons. This guide is published by Chaser, which appears in the list.

Quick comparison: 5 Bill.com alternatives for AR teams

Listed by the size of business each vendor says it serves (see "Built for"), smallest first; platforms serving similar businesses are listed alphabetically. Every feature, integration and pricing model is from the vendor's own website, checked on 25 September 2026 (Kolleno on 3 November 2026). "Not published" means no list price is shown.

Bill.com alternatives compared

Kolleno

Kolleno describes itself as an order-to-cash platform made for CFOs and credit controllers, and says more than 1,000 collection teams of all sizes use it. It has offices in London and New York. AI agents handle collections follow-up and reconciliation, working to the rules and priorities your team sets.

Its plans are set by company turnover and priced per user. Xero, QuickBooks and Sage Intacct connect on its entry plans, so a BILL user on any of those ledgers can start there.

Key features

• Collections management with AI follow-ups, workflows, real-time dashboards and DSO reporting.
• A payment portal that brings payment options together, plus payment links.
• Cash application and reconciliation with AI payment matching and exception handling.
• Dispute management, credit risk monitoring with real-time alerts, and cash flow forecasting.
• SMS and call allowances included on every plan, rising with each plan.
• Integrations with Xero, QuickBooks, Sage Intacct, NetSuite, Microsoft Dynamics Business Central, SAP, Salesforce, Stripe Billing and GoCardless, among others.

Pros

• Collections, payments, cash application, disputes and credit risk sit in one platform.
• Publishes prices for its entry plans.
• Kolleno lists ISO 27001, SOC 2 Type II and SOC 1 Type II certifications.

Cons

• Priced per user, so cost grows with the number of people who need access.
• NetSuite, Business Central, SAP and Oracle connect on its Enterprise plan, not on the entry plans.

Pricing: published per user, with plans set by company turnover; Enterprise plans are quoted. For more options, see the guide to Kolleno alternatives.

Centime

Centime describes itself as one platform for cash management, embedded in your ERP and built for mid-market finance teams on Intuit QuickBooks, Microsoft Dynamics 365 Business Central, Oracle NetSuite and Sage Intacct. It covers accounts payable, accounts receivable, cash flow forecasting and expense management, and offers business banking services alongside them.

It covers payables as well as receivables, so look at it if you want to move both sides of BILL to one new platform.

Key features

• Collections workflows set at the invoice or customer level, with customizable triggers and escalations.
• Automatic invoice delivery by email, customer portal or both, whenever an invoice is created or updated.
• A branded payment portal where customers pay by ACH, credit card or check without creating an account, with autopay.
• Cash application that matches payments to invoices with configurable logic.
• Payment delay predictions and a 13-week cash forecast built from payables, receivables and bank data.
• Accounts payable automation, with invoice capture, approvals, PO matching and payments.

Pros

• Payables and receivables sit on one platform, so you can replace both sides of BILL together.
• AR pricing scales with invoice volume rather than headcount, so adding people does not add seat costs.
• Centime says most customers go live within 7 to 21 days, and it assigns a dedicated client success manager to every customer.

Cons

• Pricing is quote-only, so you need a sales conversation to compare costs.
• Xero is not among the accounting systems it names, so it suits BILL users on QuickBooks, NetSuite, Sage Intacct or Business Central.
• There is no free trial. Centime offers a product tour with demo data, and a demo.

Pricing: quote-based. AR is priced by the number of invoices collected and AP by the number of invoices captured, with discounts for bundling both.

Chaser

Chaser is accounts receivable automation and forecasting software for mid-market finance teams. It connects to your accounting system or ERP, automates payment reminders by email, SMS, automated phone call and letter, and brings payment tools, credit risk insight and cash flow forecasting into the same platform. When chasing is not enough, a debt collection service and an outsourced credit control service are available inside Chaser too.

Key features

• Automated reminder schedules by email, SMS, automated phone call and letter, set by invoice due date and customer segment.
• Email templates in your own branding and tone, with a record of every reminder sent to each customer.
• A payment portal, payment links in reminders, and payment plans with automated installment chasing.
• Credit monitoring and reports, AI debtor risk insights and late payment prediction.
• Cash flow, revenue and receivables forecasts.
• Integrations with AccountsIQ, iFinance, Microsoft Dynamics 365 Business Central, NetSuite, Odoo, QuickBooks Online, Sage 50 (UK), Sage 200, Sage Business Cloud Accounting, Sage Intacct and Xero, plus Stripe for payments and the Chaser API and CSV import for other systems.
• Debt collection services, accounts receivable support and Chaser Care, which pairs the software with a dedicated AR specialist.

Pros

• Your AR team sets up and changes reminder schedules and templates itself.
• Reminders, payment collection, credit risk, forecasting and escalation to collections sit in one platform.
• Connects to common mid-market accounting systems in a few clicks, with a 10-day free trial and no setup required.
• Chaser Care is available as an add-on to every plan if you would rather not chase in-house.

Cons

• No deductions management, cash application, accounts payable or treasury modules, which enterprise order-to-cash suites include.
• SAP and Oracle ERP connect through the Chaser API or CSV import, not a native connector.
• The entry plan includes 4 users and 4 automated workflows. Unlimited users and workflows, multi-entity support and the receivables forecast need a higher plan.

What changes if you move from BILL

Chaser covers the receivables side: reminders, credit risk, payment collection and escalation. It does not process bills or pay suppliers, so if you use BILL for payables, plan to keep it or another payables tool for that side. Both BILL and Chaser connect to QuickBooks Online, Xero and NetSuite. In return, your AR team builds its own reminder schedules by due date and customer segment, across four channels.

Connecting QuickBooks, Xero or NetSuite

Chaser integrates directly with QuickBooks Online, Xero and NetSuite, three of the systems BILL syncs with. If you run a desktop edition of QuickBooks, connect through the Chaser API or Chase Import, its CSV upload tool. See all Chaser integrations.

Pricing and getting started

Chaser publishes its plans on the Chaser pricing page. Plans are set by annual revenue, not per user. The entry plan includes 4 users and 4 automated workflows, and higher plans include unlimited users and workflows.

Upflow

Upflow calls itself a financial relationship management platform for B2B finance teams. It started by selling to SMBs in France before shifting its focus to the US mid-market, and its site has dedicated pages for SaaS, security and compliance, and HR and staffing businesses.

Its free Discover plan gives you AR insights before you commit, and paid plans are set by annual invoiced revenue, with unlimited user seats. It connects to billing systems as well as ledgers, which matters if you invoice through Stripe Billing, Chargebee or Zuora.

Key features

• Email, SMS, call and letter reminders, with two-way Gmail and Outlook integration.
• Branded customer portals and B2B payments through Upflow Payments.
• Cash application, with a cash application agent on higher plans.
• AR insights covering customer health, cash forecasts and industry benchmarks.
• AI agents for insights, collections, customer AP portal submissions and cash application.
• Native integrations with NetSuite, Sage Intacct, QuickBooks Online, Xero, Stripe Billing, Chargebee, Zuora, Pennylane and Rillet, plus Salesforce and HubSpot.

Pros

• Connects to your billing system and your ledger, which suits subscription businesses.
• Unlimited user seats on every paid plan.
• Upflow says its native integrations need no implementation and can be deployed the same day.

Cons

• Pricing is quote-only, so you need a sales conversation to compare costs.
• It names QuickBooks Online but no desktop edition of QuickBooks, several of which BILL syncs with.
• Branded customer portals start on its second plan, and the cash application agent on its fourth.

Pricing: quote-based, set by annual invoiced revenue; the Discover plan is free. For more options, see the guide to Upflow alternatives.

Versapay

Versapay says it is built for both mid-market and enterprise finance teams, and highlights manufacturing, wholesale distribution and professional services. It combines a self-serve customer portal, collections, cash application and B2B payments on one platform that runs from invoicing to reconciliation.

For a BILL user on NetSuite, Sage Intacct or Microsoft Dynamics, the systems on BILL's Enterprise plan, it adds a shared portal where customers view invoices, pay and flag disputes. Versapay describes its implementation as configuration-based.

Key features

• Digital invoicing with a customer portal where customers pay, manage invoices and flag disputes.
• Collections management and AI-powered cash application.
• B2B payments, including ACH and credit cards.
• AI built for accounts receivable to reduce manual work and speed up collections.
• Native integrations with Oracle NetSuite, Sage Intacct, Dynamics 365 Business Central and Dynamics 365 Finance and Supply Chain Management.

Pros

• Customers and your AR team work in one shared portal on invoices, disputes and payments.
• Cash application is part of the core platform rather than a separate module.
• Versapay describes changes to workflows and customer segments as self-service.
• Sold as a subscription, packaged for mid-market and enterprise teams.
• Named support contacts in North America, according to Versapay.

Cons

• Pricing is not published.
• QuickBooks and Xero are not among its native connectors. Other systems connect through open APIs or flat files.
• Its named industries are manufacturing, wholesale distribution and professional services, so ask for references if you work in another sector.

Pricing: not published; subscription. For more options, see the guide to Versapay alternatives.

Which Bill.com alternative fits your situation?

• You want to replace BILL's payables and receivables together. Centime covers both, on QuickBooks, NetSuite, Sage Intacct or Business Central.
• You want to keep BILL for payables and add an AR tool on QuickBooks Online or Xero. Chaser, Kolleno and Upflow all connect to both.
• You want to compare published plans before a sales call. Chaser and Kolleno publish their plans.
• You bill subscriptions through Stripe Billing, Chargebee or Zuora. Upflow names all three as integrations.
• Your customers often query or dispute invoices, and you run NetSuite, Sage Intacct or Dynamics. Versapay is built around a shared customer portal.
• Your main problem is chasing overdue invoices on a mid-market ledger. Chaser focuses on collections automation, credit risk and escalation.

For wider comparisons, see the guides to accounts receivable software, credit control software, AR tools for QuickBooks and HighRadius alternatives.

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