AR Automation Pricing: What Tesorio, YayPay, Versapay, HighRadius and Billtrust Actually Cost

AR automation software in 2026 typically costs between roughly $7,500 and $80,000 a year, and almost none of the vendors will tell you that before a demo. Procurement data from Vendr puts a median Tesorio contract at $17,062 a year, a median HighRadius contract at $12,973, and Versapay at $36,778. Quadient AR by YayPay, Billtrust, Gaviti and Sidetrade publish nothing at all. The number you end up paying is driven far more by invoice volume, entity count and how many modules get switched on than by the logo on the contract.

This is the most frustrating category in finance software to price. You can compare features in an afternoon and you can read a hundred G2 reviews, but the one question your CFO will ask first is the one nobody answers on a website. Below is every real, sourced pricing data point we could find, what each vendor actually publishes, and the specific questions that keep a quote honest.

Why do AR automation vendors not publish pricing?

Because the price genuinely varies by more than 10x across their customer base, and publishing a number would lose them deals at both ends. A company sending 400 invoices a month with one entity and a QuickBooks ledger is a fundamentally different implementation from a company sending 40,000 invoices across six subsidiaries on SAP, and the same platform serves both. A published price would either scare off the small buyer or leave money on the table with the large one.

There is a second, less generous reason. Quote-only pricing means every buyer negotiates alone, without knowing what comparable companies pay. That asymmetry is worth real money to the vendor, which is exactly why third-party contract data is so useful when you can get it.

How much does AR automation software cost in 2026?

For a mid-market US company, budget $15,000 to $50,000 a year for the platform, plus a one-time implementation fee that can run from nothing to a significant fraction of year one. Enterprise deployments with cash application, deductions and credit modules across multiple entities run well past $100,000. Small deployments genuinely exist at under $10,000, despite what enterprise-focused comparison posts imply.

Here is what each major vendor actually publishes, which is the honest starting point.

BILL is the outlier, and the reason is that it sells to small businesses self-serve alongside its mid-market motion. Note that its per-user price covers accounts payable and accounts receivable together, so if AP is the bigger cost center on your side, price accounts payable automation separately rather than assuming one seat covers both jobs well.

What do real AR automation contracts cost?

Vendr negotiates software contracts on behalf of its buyer base and publishes aggregate contract values from those deals. It is the only public source of actual paid prices in this category. Treat it as directional: the sample skews toward companies that use a procurement service, and medians hide a wide spread.

Two things in that table are worth pausing on, because both cut against the conventional wisdom.

First, the HighRadius median is low. HighRadius is universally described as the enterprise option, and a $12,973 median does not match six-figure enterprise framing. The likely explanation is that the sample captures single-module or departmental purchases rather than full order-to-cash programs, and the narrow range suggests a small sample. Do not walk into a HighRadius negotiation expecting $13,000 for a multi-module rollout. Do use it as evidence that a modest entry point exists.

Second, that 25 percent average discount on Tesorio deals is the single most actionable number here. It tells you the opening quote in this category is not the real price, and that buyers who push get a quarter off. If you accept the first number, you are paying the premium reserved for people who do not negotiate.

What actually drives the price of an AR automation quote?

Five things, in roughly this order of impact. Understanding which of these you are heavy on lets you predict where in the range you land before the first call.

The implementation line is where budgets break. A platform quoted at $30,000 a year with a $45,000 implementation is a $75,000 first-year decision, and it is common for that second number to surface only after the business case has been approved on the first one. Ask for it in the first meeting, not the fourth.

What is the total cost of ownership for a $250M company?

For a company at roughly $250 million in revenue, expect a three-year total cost of ownership between $150,000 and $400,000 for a full AR automation platform. That breaks down into an annual subscription of $40,000 to $90,000, a one-time implementation of $30,000 to $100,000 depending on entity count and ERP complexity, and internal cost that most business cases ignore entirely.

That internal cost is real and it is usually the largest line nobody budgets. A full order-to-cash implementation at that scale consumes a meaningful share of an AR manager and a systems analyst for three to six months: data cleanup, customer master reconciliation, mapping remittance formats, testing cash application match rates against historical data, and rebuilding collections cadences. Price that at a loaded rate and add it. If your business case shows payback in month four and ignores 400 hours of internal effort, it is not a business case.

One more line to check before signing: payment processing. Several platforms in this category monetize the payment rail as well as the software, taking interchange or a per-transaction fee on card and ACH volume that flows through their portal. On real B2B volumes that can exceed the subscription. Ask explicitly whether the vendor earns anything on payments, and if so, at what rate.

Is AR automation worth the cost?

It is worth it when the payback comes from cash timing rather than headcount, which is the opposite of how most vendors pitch it. The standard business case is that automation replaces a collections FTE. In practice teams rarely cut headcount, they redeploy it, so the salary saving is soft and finance leaders know it.

The hard number is working capital. Pull your current DSO and your average daily revenue. Every day of DSO you remove frees roughly one day of revenue in cash, permanently. A company at $250M revenue and 55 days DSO frees about $685,000 for each day of DSO reduction. Against a $60,000 platform, you need well under a day of improvement to break even, and credible implementations move DSO by five to fifteen days. That is a defensible case that survives contact with a CFO, and it is the one to build. Our full breakdown of accounts receivable automation cost and ROI works through the arithmetic in more detail.

The case fails in two situations. If your invoices are late because your invoicing is wrong, automation just sends incorrect invoices faster, and the fix is upstream. And if your DSO is already close to your payment terms, there is very little to recover and you are buying reporting.

How do I negotiate an AR automation contract?

Start from the assumption that the first quote carries 20 to 30 percent of negotiating room, because the Vendr data says it does. Beyond that, five moves consistently work in this category.

• Run two vendors to the end. A live alternative is the only real leverage you have, and it needs to be credible enough that the rep believes it. Pair a mid-market platform against an enterprise one so the price anchors differ.
• Buy at their quarter end, not yours. Standard software advice, and it works here for the same reason it works everywhere. Ask the rep when their fiscal year ends.
• Cap the volume escalator. If you grow into the next tier, the price step should be negotiated now while you have leverage, not at renewal when you have none and the platform is embedded.
• Attack implementation before subscription. Reps often have more discretion on services than on license, and implementation is one-time money that does not damage their recurring revenue number. Discounted or waived implementation is frequently easier to win than a subscription cut.
• Get the renewal uplift in writing. An unbounded renewal is where the discount you won in year one is quietly taken back in year two. Cap it at a fixed percentage.

Once the contract is live, put the renewal date and the negotiated uplift somewhere you will actually see them. Finance teams that track every line of software and cloud spend in one place catch auto-renewals before they fire, which is where most of the leverage in a second-term negotiation comes from.

How much does Tesorio cost?

Tesorio does not publish list pricing. Vendr reports a median contract of $17,062 a year across 58 purchases, ranging from $7,500 to $43,773, with buyers averaging 25 percent off the opening quote. Pricing is modular, built around a base platform fee with add-ons for forecasting, portals and its AI agents, and it scales with user count and AR volume.

Tesorio is worth the money specifically when cash forecasting is the reason you are buying. Its supplier portal agent, which operates Coupa and Ariba on your behalf, is a genuinely differentiated capability if a large share of your revenue arrives through customer AP portals. Our Tesorio vs YayPay comparison works through where each one earns its price.

How much does Quadient AR by YayPay cost?

Quadient publishes no pricing for Quadient AR. Its pricing page collects a contact form, and the only qualifying signal it gives is a revenue floor in the high single-digit millions, which tells you the product is aimed at mid-market rather than small business. Expect a quote built on invoice volume, entity count, modules and seats, and expect an annual contract rather than month to month.

Third-party sites occasionally quote a starting figure of around $500 a month for Quadient AR. That number does not appear on any Quadient page we could find, so treat it as unverified secondhand reporting rather than a rate you can hold them to. Compare it against the field in our YayPay alternatives breakdown.

How much do Versapay, HighRadius and Billtrust cost?

Versapay carries the highest observed contract values of the three, with Vendr reporting a median of $36,778 a year and a range from $9,716 to $79,725. That spread reflects a product sold both as a collaborative AR portal on its own and as a full invoice-to-cash platform with payments attached.

HighRadius changed its model in February 2026, launching outcome-based pricing with a $0 implementation fee and $0 subscription until go-live, with HighRadius then earning a fraction of the savings the customer actually realizes. That is an unusual and genuinely buyer-friendly structure for an enterprise vendor, and it removes the single biggest budget risk in this category. It also means the interesting negotiation moves from price to how the baseline and target metrics are defined, since those determine what you pay. Get the measurement methodology in the contract.

Billtrust publishes nothing and has no public contract data. Its pricing depends on invoice volume, module selection, user counts, payment processing fees and implementation scope, and its print and mail capability adds a per-piece cost that most competitors do not have. If a meaningful share of your invoices go out on paper, that line will matter more than the subscription. Our Billtrust vs BILL comparison covers where each fits.

What should I do if the only problem is that invoices get paid late?

Do not buy an order-to-cash platform. Most of the price in these quotes is scope you will not use: credit scoring, deduction management, dispute reason coding, invoice delivery across print and EDI, and a payment portal. If your invoicing already works, your customers can already pay you, and your credit process is fine, then you have one problem, and it is that chasing overdue invoices is nobody full-time job.

That is the case AccountsReceivable.ai is built for. It connects to QuickBooks, Xero, NetSuite or Sage in days rather than months, chases every overdue invoice across email, then SMS, then a live AI phone call, applies the cash back to your ledger, and charges a flat monthly fee with no seats, no percentage of collections and no multi-year commitment. If you want to see the wider field first, our roundup of the best accounts receivable automation software compares the platforms above on scope rather than price.

Pricing verified August 2026 from vendor pricing pages, Vendr published contract data and the HighRadius announcement of February 27, 2026. Vendors change pricing without notice and third-party contract medians are directional rather than quotes. Confirm every figure with the vendor before you build a business case on it.