AR automation
Accounts receivable automation pricing: what accounts receivable software costs in 2026, which AR automation vendors publish a rate card, and what buyers actually pay
Accounts receivable automation pricing runs from about 259 dollars a month at the small end to six figures a year at the enterprise end, and the single most useful thing to know before you start is that most vendors in this category publish nothing at all. Of the eighteen platforms below, four publish a real rate card you can read without talking to a salesperson: Chaser, Kolleno, BILL and Melio. Everyone else routes you to a demo form.
The short version. Chaser starts at 199 pounds a month, shown as 259 US dollars, for four users and runs to 899 pounds for the top software tier. Kolleno starts at 650 dollars per user per month, or 545 on annual billing, and its Business Plus tier is 1,245 per user per month. BILL is 49, 65 or 89 dollars per user per month but is an AP-first suite with a light AR side. Melio has a free tier and paid plans from 25 dollars a month. HighRadius moved to outcome-based pricing in February 2026, charging nothing up front and taking a fraction of realized savings instead. Everyone else quotes.
For the quote-only names, the only real numbers available come from third-party contract data, and it needs reading carefully. Vendr reports a median of 17,062 dollars a year for Tesorio across 58 purchases, which is a solid sample. It reports an average of 5,423 dollars a year for Versapay, but from only four buyers, which is an anecdote rather than a benchmark. The most useful figure in the whole dataset is that Tesorio buyers average 25 percent off the opening quote. That discount generalizes across the category, so treat any first number you are given as a starting position.
The part that catches finance teams out is not the subscription. On the receivables side you are the one receiving money, and the receiver pays the fee. BILL publishes 0.59 dollars per ACH received and 2.9 percent for a card received. On one 40,000 dollar invoice paid by card, that 2.9 percent is 1,160 dollars, more than a year of the subscription. Before you compare any two products here, take last quarter payment mix, apply each vendor receiver schedule, and add it to the license. We build an AR agent ourselves and price it as a flat monthly fee, so read our row as a position rather than a verdict. Every price below was taken from the vendor own published pages and checked in August 2026.
Connect · chase · apply cash · DSO down
Your books
Collected / wk
Outstanding
AR aging
Current · 30 · 60 · 60+ · paid
Agent worklog
LivePut this AR on autopilot to watch the agent chase, collect and reconcile.
Dunning sequence
Live, interactive · no card, no connection needed
Flat monthly fee · we never take a cut of what we collect · works inside your accounting system
Flat fee no cut of collections
Bank-grade security
Why it works
What your team gets with flat-fee AR automation
The four vendors that publish a rate card, and exactly what they charge
Chaser is the most transparent name in the category. Its software tiers start at 199 pounds a month, displayed as 259 US dollars, for Compact, which caps you at four users, thirty follow-up templates and four automated workflows. Core is 599 pounds, shown as 779 dollars, and removes every one of those caps while adding multi-entity support. Complete is 899 pounds, or 1,169 dollars, and adds a dedicated account manager, priority support, assisted onboarding and a receivables forecast. Above roughly 100 million pounds of revenue you move to custom pricing. Chaser also sells a Care add-on where an actual AR specialist works your follow-ups, inbox and disputes, which takes Compact to 899 pounds, Core to 1,599 and Complete to 2,099. Annual billing saves 10 percent, and the tiers are banded by your company revenue, so the entry price is a floor and not a fixed number. Kolleno prices per user and per turnover band. BusinessPay is 650 dollars per user per month, or 545 on annual billing, for companies over 1 million in turnover, minimum one user, and covers Xero, QuickBooks and Sage Intacct, a payment portal, payment links and collections inbox management. Business Plus is 1,245 per user per month, or 995 annually, for companies over 10 million, minimum two users, and adds auto-reconciliation, customer portfolios, workflow automation and AI agent support. Enterprise and Enterprise Plus are custom, gated at 100 million and 1 billion in turnover, and are where NetSuite, Dynamics, SAP and Oracle connectors live. Kolleno notes that integrations, customizations and add-ons can carry additional charges, so the per-user figure is not the whole bill.
Why almost nobody else publishes a price, and what that tells you
Fourteen of the eighteen platforms here show you a form instead of a number. That is a deliberate choice and it is worth understanding rather than resenting. Quote-only pricing exists because these vendors price on variables that differ wildly between two companies of the same headcount: how many invoices you issue, how many customers you bill, how many payments you take, which modules you switch on, and how much of the implementation they have to do. A hundred-person distributor issuing 8,000 invoices a month is a completely different cost to serve than a hundred-person agency issuing 60. The practical consequence is that you cannot shortlist on price, so shortlist on pricing driver instead. Ask each vendor which variable the number moves with, then model your own volume against it. A per-user platform gets expensive when your collections team grows. A per-invoice platform gets expensive when your average invoice value is low. A percentage-of-collections model gets expensive precisely when you succeed, which is why we do not use one. Quadient AR by YayPay makes its own filter explicit by publishing a qualifying floor of over 7.8 million pounds in yearly revenue, which is a polite way of saying the product is not aimed below that. Third-party reports of roughly 500 dollars a month circulate for Quadient AR, but the vendor does not publish it and we will not present it as fact.
What the quote-only vendors actually close at, and how to read that data
Third-party contract data fills part of the gap, and Vendr is the usual source. Tesorio comes in at a median of 17,062 dollars a year across 58 recorded purchases, with a range from 7,500 to 43,773, and buyers average 25 percent off the opening quote. That 58-deal sample is large enough to plan around. HighRadius shows a median of 12,973 dollars a year, which surprises people who expect a six-figure number, and reflects that HighRadius sells modules rather than one monolithic license. Versapay shows an average of 5,423 dollars a year with a maximum near 33,000, but that figure comes from only four buyers, and a four-buyer sample is an anecdote. Quote it with its sample size or do not quote it at all. Two cautions on all of it. First, this data comes from one buyer population, companies that use a procurement platform, which skews toward software-literate mid-market teams who negotiate. Second, a median tells you nothing about your own scope. The same vendor can be 8,000 dollars for collections alone and 40,000 with cash application and credit added. Use these numbers to sanity-check a quote you have already received, not to predict one you have not.
Receiver-side fees, the line item that is usually bigger than the license
This is the part that gets skipped and it is the part that costs the most. When you automate receivables you are collecting money, which makes you the receiver, and on most rails the receiver pays. BILL publishes its schedule, which makes it a useful worked example even if you buy something else. An ACH payment received costs 0.59 dollars. A credit or debit card received costs 2.9 percent. An instant transfer received costs 1 to 1.49 percent with a 1 dollar minimum. An international wire received in US dollars costs 19.99. Run those against a real month. If you invoice 400,000 dollars and a quarter of it comes in by card because your customers like the points, that is 100,000 dollars at 2.9 percent, or 2,900 dollars in a single month. The 89 dollar per user subscription is noise next to it. Paystand builds its entire pitch on this, selling a flat monthly subscription rather than transaction-based pricing and claiming its average user cuts cost to transact by 49 percent, a vendor claim we pass on without endorsing. The honest advice is the same regardless of vendor: pull last quarter payment mix by rail, apply each shortlisted vendor receiver schedule to it, and add the result to the annual license. The ranking flips more often than not, and it takes about an hour.
Implementation, onboarding and the year-one number nobody quotes you
The subscription is the number on the quote. The year-one cost is the number that hits your budget. Between them sit implementation fees, onboarding, connector work and internal time, and how big that gap is depends almost entirely on where your data lives. A platform connecting to QuickBooks Online or Xero through a published two-way connector can be running in days. The same platform connecting to an on-premises Sage 300 or an older Dynamics install needs a middleware layer, a data mapping exercise and someone from your side in every call. Ask four specific questions before you sign. What is the one-time implementation fee, stated separately from the subscription. How many of our people, for how many hours, over how many weeks. Is our specific ledger version supported by a published connector or by a nightly file import, because those are not the same product. And what is the annual uplift written into the renewal clause, since 5 to 10 percent a year is common and compounds quietly. Chaser is unusual in bundling assisted onboarding into its Complete tier rather than pricing it separately, and HighRadius removed the question entirely in February 2026 by charging zero implementation and zero subscription until go-live, then earning a share of realized savings.
How to negotiate, and the one number that generalizes
The most actionable figure in this entire page is that Tesorio buyers average 25 percent off the opening quote. That is not a Tesorio quirk. In a category where nobody publishes a price, the first number is a position, and the vendors expect movement. Four things reliably move it. Buy annually rather than monthly, which is worth about 10 percent at Chaser and roughly 16 percent at Kolleno on published rates alone. Buy fewer modules at the start, because collections, cash application, credit and disputes are usually separately licensed and you can add later from a position of proven value. Bring a real competing quote, since the shortlist is what creates the discount. And time it, because quarter-end and year-end quotas are real and the same scope is cheaper in the last two weeks of a quarter. One thing not to negotiate away: the connector. Discounting the license and then discovering your ledger is served by a nightly CSV rather than a published two-way integration is a bad trade. Several large names in this category publish no QuickBooks or Xero connector at all. Versapay publishes NetSuite, Sage Intacct and two Dynamics 365 products but not QuickBooks, Xero or Sage 300. Billtrust publishes Infor, SAP, Oracle, Epicor, NetSuite and a long list of distribution and dealer systems, but neither QuickBooks nor Xero nor Sage appears on its integrations or ERP partner pages. Check yours before you argue about percentage points.
What you should actually budget, by company shape
If you are under about 200 outbound invoices a month and your problem is simply that nobody chases, budget somewhere between 250 and 800 dollars a month. Chaser Compact, Melio on the light end, or a single-seat Kolleno BusinessPay all sit in that range, and honestly your existing ledger reminder feature may cover it. Check that first, because a meaningful number of companies buy software their accounting system already includes. Between roughly 200 and 5,000 invoices a month, which is where most US mid-market teams live, budget 12,000 to 25,000 dollars a year for a real collections platform, based on the Vendr medians above and the published Kolleno and Chaser tiers. That buys escalating cadences, promise-to-pay tracking, a customer portal and usually basic cash application. Add roughly 30 to 50 percent if you need cash application against messy remittances or credit risk scoring as separate modules. Above 5,000 invoices a month, or if you run multiple entities or currencies, you are into enterprise scope where the license is genuinely quote-driven and implementation becomes a real line item. Model year one as subscription plus implementation plus receiver fees plus your own team hours, and expect the last two to be larger than you assumed. At every size, the number worth calculating alongside it is what the current situation costs: days sales outstanding multiplied by daily revenue is the cash sitting in your aging report, and it is usually a much bigger number than any quote on this page.
What it handles
Chased, collected and reconciled on autopilot
The agent syncs your invoices, chases each one across email, SMS and phone, applies incoming payments to the right invoice, reconciles your ledger, and predicts when every customer will pay.
- Flat monthly fee, so the price does not climb when you add a collector to the team
- No percentage of what gets collected, so success does not raise your bill
- No per-invoice charge, so a low average invoice value is not penalized
- Escalates from email to SMS to a live AI phone call inside the same subscription
- Two-way sync with QuickBooks, Xero, NetSuite and Sage included, not a paid connector
- Cash application, promise-to-pay tracking and dispute capture in the base product rather than as separate modules
- No implementation fee and no minimum revenue qualification floor
- 01 Sync Reads the open invoice, its terms and the billing contact from your ledger.
- 02 Chase Escalates from email to SMS to a live AI call as the invoice ages.
- 03 Track Logs replies, disputes and promise-to-pay dates against the invoice.
- 04 Apply Matches the incoming payment, reconciles the ledger and closes the invoice.
How it compares
Accounts receivable automation pricing compared across eighteen platforms
Published prices were taken from each vendor own pricing page and checked in August 2026. Where a vendor publishes nothing, the third-party column shows contract data from Vendr with its sample size, which is directional and not a rate card. Vendor performance claims are attributed, never endorsed. Confirm current pricing directly before you buy.
| Vendor | Pricing model | Published US price | What third-party data shows | Watch out for |
|---|---|---|---|---|
| Chaser | Tiered subscription banded by company revenue, annual billing saves 10 percent | Compact from 199 GBP shown as 259 USD per month for 4 users, Core from 599 GBP or 779 USD, Complete from 899 GBP or 1,169 USD. Care add-on with a human AR specialist takes those to 899, 1,599 and 2,099 GBP | Not tracked by Vendr at meaningful volume | Compact caps you at 4 users, 30 templates and 4 workflows. Prices are floors within a revenue band |
| Kolleno | Per user per month, banded by company turnover | BusinessPay 650 USD per user monthly or 545 annual, over 1M turnover. Business Plus 1,245 or 995 annual, over 10M turnover, minimum 2 users. Enterprise and Enterprise Plus custom | Not tracked by Vendr at meaningful volume | Per-user pricing scales badly with a growing collections team. NetSuite, Dynamics, SAP and Oracle connectors sit in the Enterprise tier only |
| BILL | Per user per month plus receiver-side transaction fees | Essentials 49, Team 65, Corporate 89 USD per user per month, plus custom Enterprise. Receiver fees ACH 0.59, card 2.9 percent, instant 1 to 1.49 percent, international wire in USD 19.99 | Public company, NYSE BILL. G2 around 4.4 from 1,800 plus reviews | AP-first. The AR side is invoicing and reminders, with no escalating dunning, disputes, cash application, credit scoring or calls published |
| Melio | Flat monthly subscription with a free tier | Go free, Core 25, Boost 55, Unlimited 80 USD per month. Annual billing 20, 44 and 64. Extra users 10 USD per month on Core and Boost | Not tracked by Vendr at meaningful volume | Basic AR by design. QuickBooks Desktop needs Boost, Xero needs Core, NetSuite needs Unlimited |
| HighRadius | Outcome-based since 27 February 2026 | Zero implementation fee and zero subscription until go-live, then a fraction of realized savings | Vendr median 12,973 USD per year | Modules are licensed separately, so scope drives the number more than headcount does |
| Tesorio | Quote only, annual subscription | None published | Vendr median 17,062 USD per year across 58 purchases, range 7,500 to 43,773, buyers average 25 percent off the opening quote | The best-sampled data point in the category. Use the 25 percent discount figure as your negotiation baseline |
| Versapay | Quote only | None published | Vendr average 5,423 USD per year, maximum around 33,000, from only 4 buyers | A four-buyer sample is an anecdote, not a benchmark. No QuickBooks, Xero or Sage 300 connector published |
| Quadient AR by YayPay | Quote only, form-gated | None published. Publishes a qualifying floor of over 7.8M GBP yearly revenue | Third-party reports of roughly 500 USD per month circulate but the vendor publishes nothing, so treat it as hearsay | The revenue floor is a real filter. Below it you will not get a quote |
| Billtrust | Quote only, modules sold separately | None published | G2 around 4.4 from roughly 518 reviews. EQT take-private around 1.7bn USD completed December 2022 | Invoicing, Payments, Cash Application, Collections, Credit and eCommerce are six separate line items. Built for distributors and dealers |
| Invoiced by Flywire | Quote only, demo gated | None published. No rate card, no tiers | Vendor claims 45 percent fewer billing inquiries and 14 days DSO improvement, unverified | One of the few names publishing both QuickBooks and Xero connectors, which is worth something at quote time |
| Gaviti | Usage-based rather than per user, quote only | None published. States unlimited users and unlimited workflows are included rather than metered | G2 around 4.5 from roughly 170 reviews | Usage-based means invoice volume drives the bill, so model your peak month and not your average |
| Upflow | Banded by ARR, quote only above the free tier | Discover tier is free forever. Grow covers 0 to 10M ARR, Scale 10 to 50M, Strategic 50M plus, none priced | Not tracked by Vendr at meaningful volume | The ARR bands tell you which tier you land in but not what it costs. The free tier is genuinely free and worth using to scope |
| Paystand | Flat monthly subscription, explicitly not transaction-based | None published. States subscription pricing with zero transaction fees on its own B2B network | Claims the average user reduces cost to transact by 49 percent, a vendor figure we pass on without endorsing | The saving depends on moving customers onto its network. Model what happens to the ones who stay on cards |
| Sidetrade | Subscription per AI agent with capped monthly executions | None published | Places autonomous outbound collection calls through its Aimie agent, up to 1,000 calls a day, 24 hours 5 days, up to 29 languages | Execution caps are the pricing driver. Ask what happens on the month you exceed them |
| Centime | Priced on invoice and payment volume, not per user | None published. Expense management included free with AP and AR, cash forecasting included, banking free if you qualify | Publishes QuickBooks, NetSuite, Sage Intacct and Dynamics 365 Business Central connectors. Implementation quoted at 7 to 21 days | Volume-based pricing rewards small teams with high invoice counts and punishes the reverse |
| Esker and Corcentric | Enterprise quote, suite licensed by module | None published | Esker adds e-invoicing compliance across 60 plus countries. Corcentric adds a managed AR service with actual people working your aging | Year-one implementation is a genuine line item at this tier, not a rounding error |
| AccountsReceivable.ai | Flat monthly fee, no per seat charge, no percentage of collections | Flat monthly fee. No implementation fee, no per-invoice charge, no minimum revenue floor | Not yet open for purchase, waitlist only, so treat this row as a stated position rather than a market-tested price | We build the AR side only. If you need accounts payable too, that stays a separate purchase |
Why AccountsReceivable.ai
One agent that runs the whole receivables job
Not a reminder tool, not a six-figure suite, and not an agency that takes a cut. Chase, collect, apply cash and forecast in one place, on top of the accounting system you already use.
Chases every invoice
The full dunning sequence runs on autopilot across email, SMS and live AI phone calls, polite and on-brand, so no overdue invoice slips through.
Applies the cash
Incoming wires and ACH batches are matched to the right invoices automatically, so your ledger reconciles and you never chase an invoice that already paid.
Cuts your DSO
A predicted pay date for every open invoice and steady follow-up bring DSO down week over week, so more cash lands when you need it.
Good questions
Questions about flat-fee AR automation
Last updated August 2026
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Compare pricing against the platforms themselves
AR automation pricing for Tesorio, YayPay, Versapay, HighRadius and Billtrust
The enterprise contract data in detail, vendor by vendor.
Read the comparisonVersapay pricing
What a quote-only vendor really costs once payment processing is counted.
Read the comparisonAccounts receivable automation software
The category itself: what these platforms do before you compare what they charge.
Read the comparisonBest accounts receivable automation software
The shortlist by use case, once budget is not the only filter.
Read the comparisonAccounts payable and receivable software
Combined AP and AR suites, where BILL and Melio pricing genuinely applies to both sides.
Read the comparisonAccounts receivable software for small business
What to buy under roughly 200 invoices a month, where the cheapest tiers are enough.
Read the comparisonQuadient AR competitors
The alternatives to compare once the 7.8M revenue floor rules you in or out.
Read the comparisonVersapay competitors
Who else to price against before accepting a quote-only number.
Read the comparisonCash application software
The module most often licensed separately, and the one that moves a quote most.
Read the comparisonOutsourced accounts receivable
When paying people to work your aging beats paying for software to do it.
Read the comparisonStop chasing invoices. Put your receivables on autopilot.
Connect your accounting system and the agent chases every invoice, applies the cash and cuts your DSO. Flat monthly fee, and we never take a cut of what we collect.
Works with QuickBooks, Xero and NetSuite · bank-grade security · no percentage of collections