Kolleno alternatives: 6 AR and collections platforms compared for 2026

If your finance team uses Kolleno, or has it on a shortlist, and per-user pricing, the breadth of the platform or its fit with your ledger no longer works for you, this guide compares six accounts receivable platforms you could realistically consider instead: Paidnice, Chaser, Growfin, Upflow, Gaviti and Quadient AR. Each one automates collections for B2B finance teams and connects to the accounting systems and ERPs that UK mid-market businesses run. Listed by the size of business each platform is built for, smallest first.

Before you switch: what Kolleno offers

Kolleno is a London-based accounts receivable company with an office in New York. It describes itself as an AI-powered order-to-cash platform that automates collections, payments, cash application, disputes, credit risk management and cash flow forecasting, and says it serves more than 1,000 companies and partners worldwide. Three points are worth checking before you replace it:

• Pricing model. Kolleno publishes per-user plans, tiered by annual turnover, and quotes its enterprise plans. Its pricing page leads to a demo booking to get started.
• Reconciliation. Kolleno also sells payments reconciliation, which matches payments across your ERP, bank feeds and payment processors, including partial payments, credit notes and FX differences. If your team relies on it, check how each alternative handles that work.
• Integrations by plan. Kolleno's first two plans list Xero, QuickBooks and Sage Intacct, with one ERP connection. NetSuite, Microsoft Dynamics 365 Business Central, SAP and Oracle Fusion appear on its enterprise plans.

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

This guide is for finance leaders and AR managers at UK mid-market B2B companies, and similar teams elsewhere, who use or are evaluating Kolleno and are weighing per-user costs, the modules they will actually use, or support for their accounting system. The stakes are real: according to Chaser's 2026 accounts receivable report, businesses using AR automation software are 52% more likely to be paid within two weeks than those that are not.

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

• It automates collections and covers at least one of payments, cash application or credit risk, as Kolleno does.
• Its own website addresses mid-sized or larger finance teams, not only small businesses.
• It connects to ledgers Kolleno buyers run, such as Xero, QuickBooks, Sage or NetSuite, or works with any ERP.

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: 6 Kolleno alternatives

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 (Paidnice and Kolleno on 3 November 2026). "Not published" means no price is shown.

Kolleno alternatives compared

Paidnice

Paidnice is accounts receivable automation for Xero and QuickBooks Online, used by service, professional, wholesale and property businesses. It turns your payment terms into automatic actions: reminders, statements, late fees and interest, early payment discounts and payment plans.

Plans follow your monthly invoice volume rather than your revenue, run month to month, and your first 20 actions are free with no credit card. There are no per-seat fees, which matters if per-user pricing is why you are looking.

Key features

• Reminders by email, SMS and WhatsApp, plus in-app calls, in sequences you can edit.
• Automatic late fees and interest, and early payment discounts.
• Payment plans with installment reminders and autopay.
• A no-login payment link for card and bank payments through Stripe and other payment providers.
• Quote and estimate reminders for Xero and QuickBooks.
• Scheduled statements, escalation and dispute workflows, an aging board and DSO reporting, with several companies under one login.

Pros

• Month-to-month plans with no contracts or lock-ins.
• No per-seat fees, and Pro plans include unlimited users.
• Paidnice says most teams are live in under 15 minutes, with a safe mode to test before anything sends.

Cons

• Standard plans connect to Xero, QuickBooks Online and Stripe. NetSuite, Dynamics and Sage Intacct come on its custom plan.
• The Essentials plan allows up to 2 team members.
• SMS is charged per message on top of the plan.

Pricing: published on its site, by monthly invoice volume.

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 Kolleno

Chaser covers the collections side of what Kolleno does: reminders, credit risk, payment collection and escalation. It has no cash application or payments reconciliation module, so if your team relies on Kolleno to match payments, plan where that work will live. Chaser Care, the add-on service, lists bank reconciliation among the work its specialists take on.

How Chaser plans are structured

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.

Connecting your accounting system

Chaser connects directly to Sage 50 and Sage 200 and works today without the paid Sage partner program. If you run SAP or Oracle ERP, you connect through the Chaser API or Chase Import, its CSV upload tool. See all Chaser integrations.

Growfin

Growfin runs collections like a CRM and adds AI cash application. It says it is trusted by high-growth finance teams, offers a Built for NetSuite app, and publishes its own comparison with Kolleno.

Its behavioral AI scores each customer's payment history to prioritize accounts and predict when invoices will be paid, and account managers can follow collections from Slack and Salesforce.

Key features

• A collections CRM with a dashboard for each collector, task management and performance tracking.
• AI account prioritization using a Health Score built from each customer's payment history.
• Automated follow-up workflows that adapt to customer communication.
• Cash application that reads remittance data to match and post payments.
• A self-service customer portal where customers log promises to pay, disputes and queries.
• Cash forecasts based on an expected pay date for each receivable.

Pros

• Collections and cash application in one platform, as with Kolleno.
• Account managers get visibility in Slack and Salesforce, which helps when sales teams own customer relationships.
• Integrations include Sage Intacct, Sage X3 and SAP Business One, plus Zuora and Chargebee billing.

Cons

• Pricing is not published, so you need a demo to compare costs.
• Its site gives NetSuite the most depth, with a dedicated Built for NetSuite section, so on another ledger ask for references on your own system.
• Its integrations page describes connecting cloud ERPs, so confirm the setup if your ledger runs on-premise.

Pricing: not published; demo-led.

Upflow

Upflow started in France, selling to small businesses, and now focuses on the US mid-market, with more than 50 people across the US, Europe and India. It combines collections, B2B payments, cash application and AR insights, with AI agents that work alongside your team.

It offers its own payment gateway, Upflow Payments, as well as a lighter option that uses your existing gateway, and every paid plan includes unlimited user seats, which matters if per-user pricing is why you are looking.

Key features

• Reminders by email, SMS, call and letter, with two-way Gmail and Outlook integration.
• A Collections Agent for outreach based on your AR history, with autonomy controls from suggestion-only to fully autonomous.
• Branded customer portals and B2B payments, including cards, ACH direct debit and autopay.
• A Cash Application Agent that matches complex payments and writes reconciled transactions back to your ERP.
• AR insights and billing cohort-based cash forecasting.

Pros

• Unlimited user seats on every paid plan.
• A free Discover plan shows your AR health before you commit.
• Native links to billing systems such as Stripe Billing, Chargebee and Zuora suit subscription businesses.

Cons

• Every paid plan is quoted on request.
• The Cash Application Agent is listed from the Accelerate tier up, and cash application write-back is available on NetSuite and Sage Intacct.
• Microsoft Dynamics 365 Business Central and SAP S/4HANA are listed as coming soon rather than live integrations.

Pricing: quoted on request, tiered by annual invoiced revenue, with unlimited seats and a free Discover plan. For more options, see the guide to Upflow alternatives.

Gaviti

Gaviti describes its platform as tailored to medium to large enterprises and shared service environments, and says it serves hundreds of B2B businesses worldwide. It calls itself ERP-agnostic, supports on-premise and cloud ERPs, and can connect several ERPs at once, which suits groups where business units or subsidiaries run different systems.

Like Kolleno, it runs cash application alongside collections, so it fits a team that wants to keep automated payment matching after switching, and it prices on usage rather than per user.

Key features

• Credit and risk management, with credit checks and ongoing risk assessment from AI and credit reports.
• Collections automation with personalized workflows, reminders, escalations and task prioritization.
• AI cash application with automated payment matching, and deduction management with code recognition.
• Dispute management that tracks trends so you can reduce future disputes.
• A customer self-service payment portal with autopay options, plus analytics and cash forecasting.
• An agentic AR assistant (AI chat) for your team.

Pros

• Consolidates collections across several ERPs, including legacy on-premise systems.
• Credit, collections, cash application, deductions and disputes sit in one platform.
• Priced on usage rather than per user, with unlimited users and workflows included.

Cons

• Pricing is quote-only, so you cannot compare costs before a sales conversation.
• Its ERP compatibility page does not name specific connectors, so confirm your own system in a demo.
• Its payment portal highlights zero-fee ACH, a US bank payment method, so check which payment methods it offers your UK customers.

Pricing: tailored quote based on usage, not per user.

Quadient AR

Quadient acquired YayPay, and the product is now sold as Quadient Accounts Receivable. It brings credit, collections, disputes, payments and cash application together, alongside Quadient's wider customer communications products, and Quadient says it supports businesses with multiple ERP systems and complex multi-subsidiary environments.

Quadient has a UK and Ireland site, and for a Kolleno team the main draw is receivables automation with cash application on a broad range of ERPs, with a stated implementation time you can plan around.

Key features

• Credit management with automation to reduce customer risk.
• Automated collections, with triggers that send reminders and handle escalation based on your rules.
• Dispute management with centralized tracking.
• Customer payments, and cash application with automated payment matching and reconciliation.
• AI that predicts payment behavior, prioritizes collections and supports cash flow forecasting.
• Integrations with SAP, Microsoft, Sage, Acumatica, Oracle NetSuite, Oracle E-Business Suite, Infor, Workday, Salesforce, IFS, Zuora and QuickBooks.

Pros

• One of the broadest named ERP lists in this comparison.
• Quadient states an average implementation of 72 days, with training included before go-live.
• Invoices and payment reminders, in print or digital form, are created and sent from one dashboard.

Cons

• Pricing is not published.
• Quadient notes that timelines vary with your ERP setup, data complexity and custom requirements.
• Its integrations page names Sage but not which Sage products, so confirm yours in a demo.

Pricing: not published. Quadient says cost varies with business size, process complexity and required features. For more options, see the guide to Quadient alternatives.

Which Kolleno alternative fits your situation?

• Per-user cost is the main issue. Gaviti prices on usage with unlimited users, Paidnice prices by invoice volume with no per-seat fees, Upflow includes unlimited seats on paid plans, and Chaser sets plans by annual revenue.
• You rely on cash application or reconciliation. Gaviti, Growfin, Quadient AR and Upflow all list cash application.
• You run several ERPs or subsidiaries. Gaviti and Quadient AR both state multi-ERP support.
• You run NetSuite or bill through Chargebee or Zuora. Growfin and Upflow name these as integrations.
• Your main problem is chasing overdue invoices on a UK mid-market ledger. Chaser focuses on collections automation, credit risk and escalation.

For wider comparisons, see the guides to accounts receivable software, cash application software and credit control software.

FAQs