Quick answer: Accounts receivable (AR) software helps a business invoice customers, record payments and chase overdue bills. The 11 products below were all confirmed on their makers’ websites in October 2026. They range from small-business tools such as FINSYNC and Deskera, through mid-market systems such as Xledger, ActivityHD and AccountMate, to enterprise ERPs such as Oracle NetSuite and JD Edwards, plus specialist options for construction, healthcare, financial institutions and nonprofits. Four products from our original list were removed because they were retired, unverifiable or not really receivables software.
Poor receivables management causes cash flow problems that spread through the rest of a business: suppliers wait, payroll gets tight and growth plans stall. Good AR software makes it obvious who owes what, sends invoices and reminders on time, and matches incoming payments to the right invoices.
What accounts receivable software does
- Invoicing: creating and sending invoices, often in bulk or on a schedule.
- Payment collection: accepting card or bank payments, and recording cheques and transfers.
- Cash application: matching payments to open invoices.
- Collections and dunning: tracking overdue balances and sending reminder letters or emails automatically.
- Reporting: ageing reports, customer statements and cash forecasts.
Most products here are full accounting or ERP (enterprise resource planning) systems with a receivables module, rather than stand-alone AR tools. That matters, because your AR data has to post to the same general ledger as everything else.
How to choose AR software
- Size and complexity: a sole trader needs simple invoicing; a group with several companies and currencies needs multi-entity accounting and consolidation.
- Industry fit: construction firms need retentions and progress billing, nonprofits need fund accounting, and banks and insurers need multi-book ledgers.
- Collections automation: check whether automatic reminders (dunning) are built in or sold as an add-on.
- Payments and banking: see which payment methods are supported in your country, and whether bank feeds reconcile automatically.
- Deployment: cloud, on-premises or hosted. Cloud is usual now, but some regulated businesses still prefer on-premises.
- Region: several products here are built for the US market. Indian businesses should confirm GST invoicing and local payment support before buying.
Accounts receivable software compared
| Product | Best for | Type | Deployment |
|---|---|---|---|
| RIB BuildSmart | Construction and engineering firms | Construction cost management and enterprise accounting | Web-based |
| Multiview ERP | Healthcare organisations | Financial and supply chain ERP | Check vendor |
| Deskera | Small and growing businesses | Cloud ERP and accounting | Cloud |
| Oracle NetSuite | Mid-size to large companies | Cloud ERP | Cloud |
| FINSYNC | US small businesses | Invoicing, payments, accounting and payroll | Cloud |
| ActivityHD | Growing businesses needing a configurable ERP | ERP with AR module | Check vendor |
| JD Edwards EnterpriseOne | Large enterprises | ERP with financial management | Check vendor |
| Xledger | Mid-market and large organisations, including nonprofits | Cloud ERP | Cloud |
| Flexi | Banks, insurers and credit unions | Accounting for financial institutions | Cloud (Flexicloud) and other options |
| AccountMate | Small and mid-sized businesses | Accounting suite in several editions | On-premises or hosted cloud |
| Aplos | Nonprofits and churches | Fund accounting | Cloud |
The 11 products in detail
1. RIB BuildSmart
BuildSmart is now sold by RIB Software as RIB BuildSmart, a construction cost management and enterprise accounting system for construction and engineering companies. RIB describes it as giving financial and commercial control “from estimate to final account”. The original article highlighted its subcontract management module, which lets firms set approval processes and track due dates and release dates; contractors who bill in stages and hold retentions are the natural users. Note that the old buildsmart.com domain no longer belongs to the product.
2. Multiview ERP
Multiview Financial Software now presents Multiview ERP as a financial and supply chain system focused on healthcare organisations. Its accounts receivable module tracks non-patient revenue, showing what is owed, what has been paid and what is pending. An earlier version of this article described Multiview as a general-purpose financial suite with 14 modules; its current site positions it for healthcare. Do not confuse it with multiview.com, a separate marketing company.
3. Deskera
Deskera sells a cloud ERP with integrated accounting, inventory, orders, procurement, sales and payroll, plus a manufacturing (MRP) product. Its accounting module covers creating invoices, generating reports and monitoring accounts receivable. The original article said more than 25,000 companies used Deskera; the current site does not give a customer count, so we have removed that figure.
4. Oracle NetSuite
NetSuite is Oracle’s cloud ERP. Its help centre documents bulk invoicing of billable customers, receivables and A/R register reports for credit control, a collections workspace for tracking overdue balances, and an automated dunning process (provided as a SuiteApp) that sends reminder letters to customers. NetSuite suits companies that want AR, the general ledger, CRM and order management in one system and are prepared for ERP-level cost and implementation work.
5. FINSYNC
FINSYNC combines invoicing and online payments (ACH and card), bill pay, cash flow visibility, bookkeeping and reconciliation, payroll and banking in one platform for small businesses. Its eligibility notice excludes businesses headquartered outside the United States, so it is not an option for Indian companies. The original article mentioned a free hour of expert help; FINSYNC’s current site instead offers a complimentary first growth coaching session and a free 15-minute consultation.
6. ActivityHD
ActivityHD is a configurable ERP now sold by AccountingWare. Its modules include Accounts Receivable, Accounts Payable, Bank Reconciliation, Fixed Assets, General Ledger and Payroll. It is aimed at organisations that have outgrown basic accounting software. The original article attributed it to nQativ; the product is now presented under AccountingWare.
7. JD Edwards EnterpriseOne
Oracle continues to develop JD Edwards EnterpriseOne, with recent numbered releases listed in its documentation. Its Financial Management solution includes Accounts Receivable alongside Accounts Payable, General Ledger, Fixed Assets, Expense Management, Revenue Recognition and Lease Management. It suits large organisations that already run, or are ready to implement, a full ERP; it is not a quick add-on for a small business.
8. Xledger
Xledger describes itself as a cloud ERP for mid-market and large businesses. Its site highlights orders and invoicing, automated project invoicing, bank feeds and automatic reconciliation, and it lists nonprofits and foundations among the sectors it serves. As the original article noted, it is designed to automate routine work from invoice entry to bank reconciliation.
9. Flexi
Flexi (FlexiInternational) sells accounting software for financial institutions, with multi-entity and multi-book support. Its Core Accounting suite includes an accounts receivable module alongside the general ledger. Flexi lists insurance, banking, credit unions and financial services as its industries, and offers a cloud service called Flexicloud. An earlier version of this article also listed healthcare; Flexi’s current site does not.
10. AccountMate
AccountMate is an accounting suite for small and mid-sized businesses, offered in several editions: Express and Enterprise Express (up to five concurrent users), and SQL and Enterprise (hundreds of users). It can be installed on your own servers or rented monthly as a hosted cloud system. Its site highlights manufacturing and wholesale distribution customers. AccountMate’s overview page does not list modules individually, so confirm receivables features in a demo.
11. Aplos
Aplos is fund accounting software for nonprofits and churches. Its platform covers fund accounting, transaction tracking, financial reporting and advanced accounting, and it adds bill approval workflows, AI bill entry and optional bookkeeping services. Nonprofits that track pledges, grants and restricted funds will find its fund-based approach more suitable than ordinary business AR tools.
Products removed from our earlier list
- Microsoft Dynamics SL: a legacy ERP (originally Solomon IV). Microsoft’s lifecycle page shows mainstream support for Dynamics SL 2018 ended on 9 January 2024, and extended support ends on 11 July 2028. It is not a sensible choice for a new purchase.
- HyLo: its website blocked our checks, so we could not confirm that the product is still sold.
- Connected Accounting and ERP: we could not find an active product website.
- RealPage: still active, but it is property management software for multifamily owners rather than general receivables software. Its accounting product focuses on property-level accounting, with rent collection handled by a separate payments product.
An earlier version of this article also said that 94% of businesses receive late payments. We could not trace that figure to a reliable source, so we have removed it.
Frequently asked questions
What is the difference between accounts receivable and accounts payable software?
Accounts receivable software handles money customers owe you: invoices, payments and collections. Accounts payable software handles money you owe suppliers: bills, approvals and payments. Most ERPs include both. See our guide to accounts payable software for the other side.
Do small businesses need dedicated AR software?
Usually not. Most small business accounting packages already create invoices, accept online payments and show who owes money. Dedicated AR automation is worth considering when invoice volumes or overdue balances become hard to manage by hand. Our list of accounting software for small businesses is a better starting point for small firms.
What is dunning?
Dunning is the process of sending a series of reminders to customers with overdue invoices, usually becoming firmer over time. Many AR systems can automate it, for example NetSuite’s dunning SuiteApp.
Is AR software suitable for Indian businesses?
Some products here are built for the US market; FINSYNC, for example, excludes businesses headquartered outside the US. Indian businesses should check GST-compliant invoicing, e-invoicing support and local payment methods before choosing a product.
If you only need day-to-day record keeping, our guide to bookkeeping software may be enough.
Product details were checked in October 2026 against each vendor’s official website or documentation, and Microsoft’s product lifecycle page for Dynamics SL. Features, editions and availability change, so confirm details with the vendor before you buy.
