Compare · Quadient AR vs Gaviti
YayPay vs Gaviti: Quadient AR vs Gaviti compared for B2B collections teams
These two show up on the same shortlist constantly, and the confusion starts with the names. YayPay was acquired by Quadient and is now sold as Quadient Accounts Receivable, so YayPay and Quadient AR are the same product. Gaviti is an independent Israeli-founded platform that grew up around collections workflow rather than payments.
This page compares them on the things that actually decide a receivables evaluation: how each runs a collections cadence, how well each matches incoming cash to open invoices, what credit and dispute tooling you get, which ERPs each really connects to, and how each is priced. We build a competing product, so read the third column as our own position rather than a neutral verdict. Feature sets and review scores move, so confirm the current details with both vendors before you sign.
Last updated August 2026
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
The short answer
Quadient AR (formerly YayPay) and Gaviti are both mid-market B2B receivables platforms, and they split along a clear line. Quadient AR is stronger at prediction and payment processing: AI payment-date forecasting, a mature self-service payment portal, and better invoice-to-payment matching. Gaviti is stronger at collections workflow and visibility: credit limit management, dispute tracking, collector performance analytics, and unusually broad ERP coverage that includes on-premises systems. Pick Quadient AR if your problem is forecasting cash and applying it accurately; pick Gaviti if your problem is running a disciplined collections process across a messy ERP estate.
Side by side
Quadient AR vs Gaviti, compared honestly
Both are capable platforms with real strengths. Here is where they differ, and where our own agent fits.
Swipe the table sideways for the Gaviti and AccountsReceivable.ai columns
| What matters | Quadient AR | Gaviti | AccountsReceivable.ai |
|---|---|---|---|
| Built for | Mid-market and enterprise B2B finance teams, often on cloud ERPs | Mid-market and enterprise AR teams scaling a collections function | Any team whose invoices are late because nobody chases them |
| Core strength | Predicting when customers will pay, and taking the payment | Running and measuring a structured collections process | Actually working the overdue queue until the invoice is paid |
| Collections workflow | Automated collection tasks, reminder cadences and internal escalations | Its center of gravity: sequenced follow-up, owner assignment, escalation paths | Escalating email, then SMS, then a live AI phone call |
| Cash application | The stronger of the two on matching payments to open invoices | Included, but reviewers rate its matching below Quadient AR | Auto-matches incoming payments and reconciles back to the ledger |
| Credit management | Credit scoring and risk built into the credit-to-cash flow | A noted strength: credit limit review and adjustment workflows | Out of scope, we work the collections half |
| Dispute and deduction tracking | Disputes tracked against invoices in the portal | Dedicated dispute management with reason coding and reporting | Flags disputed invoices and routes them to your team, no chasing |
| Customer payment portal | Mature self-service portal, customers view and pay any time | Customer portal for invoice access, payment and messaging | Customers keep paying however they already pay you |
| Analytics | Real-time DSO, cash forecasting and payment-date prediction | Collections analytics: aging, collector performance KPIs, risk | Straightforward reporting on what was chased and what came in |
| ERP coverage | NetSuite, Sage Intacct, Microsoft Dynamics, QuickBooks, Salesforce CRM | Its stated differentiator: cloud and on-premises ERPs, multi-currency | QuickBooks, Xero, NetSuite and Sage, connected in days |
| Live phone collections | None, the platform stops at digital outreach | None, calls are logged but your collectors make them | A live AI phone call is part of the standard escalation |
| Pricing model | Quote only, no public list price | Quote only, no public list price | Flat monthly fee, no seats, no cut of collections |
Reflects publicly documented positioning as of August 2026. Neither vendor publishes list pricing. Capabilities change, so confirm details directly before you buy.
Which one fits
Choosing between them comes down to your bottleneck
Pick Quadient AR if
Your finance team needs to forecast cash with some confidence and get paid through a portal your customers will actually use. Quadient AR publishes claims of 94 percent accuracy on predicted payment dates, and reviewers consistently rate its invoice-to-payment matching and variance analysis above Gaviti. If treasury is asking you when the money lands, this is the side of the split you want.
Pick Gaviti if
You are building a real collections operation and need to run it with discipline: assign accounts to collectors, sequence follow-up, track disputes with reason codes, review credit limits, and measure who is actually recovering cash. Gaviti also connects to on-premises ERPs, which matters if your finance stack is not fully cloud. Reviewers rate its support the higher of the two.
Pick a collections agent if
Your invoices already go out, your customers can already pay, and your credit process is fine. They pay late because chasing them is nobody's full-time job. AccountsReceivable.ai connects to QuickBooks, Xero, NetSuite or Sage in days, chases every overdue invoice across email, SMS and live AI phone calls, applies the cash back to your ledger, and charges a flat monthly fee with no percentage of collections.
What actually decides it
Four things worth checking before you sign
The split is prediction and payments versus workflow and visibility
Both platforms cover the same nominal module list: collections, cash application, credit, disputes, a customer portal, analytics. Reading the module list will not help you choose. The useful question is which half each vendor built first and still does best. Quadient AR came out of YayPay, which was built around predicting payment behavior and making it easy for a customer to pay through a portal. That heritage shows: the payment-date forecasting, the DSO dashboard and the cash forecasting are the parts reviewers rate highest. Gaviti came at receivables from the collections desk instead, and its depth is in how work gets assigned, sequenced, escalated and measured. If you sat a collector in front of both for a week, the Gaviti user would have more control over the cadence and better reporting on their own effectiveness, while the Quadient AR user would have a better answer to when a given account is likely to pay.
Payment matching is the clearest measured gap between them
This is the one place where the third-party review data separates them decisively rather than by preference. On G2 comparison scoring at the time of writing, Quadient AR rates around 8.3 on matching invoices and payments while Gaviti sits near 6.9, and Quadient AR also leads on variance analysis and cash flow tracking. That gap matters more than it sounds. B2B remittance is messy: a single ACH covering eleven invoices, a customer who short-pays and nets a credit, a wire with a reference number that matches nothing in your ledger. If a meaningful share of your cash arrives that way, weak matching quietly turns into unapplied cash, and unapplied cash turns into your collectors chasing customers who have already paid. That is the fastest way to lose credibility with your accounts. Ask both vendors to run a match rate test against a real month of your own bank and remittance data rather than accepting a headline percentage.
ERP fit: on-premises coverage is Gaviti's real differentiator
Most receivables platforms assume you are on a cloud ERP, because building and maintaining connectors to on-premises systems is unglamorous work. Gaviti markets ERP compatibility across both cloud and on-premises systems as a deliberate differentiator, alongside multi-currency support for companies with entities in several countries. Quadient AR concentrates on the mainstream cloud stack: NetSuite and Sage Intacct are its best-documented connections, plus Microsoft Dynamics, QuickBooks and a Salesforce CRM integration. Neither answer is better in the abstract. If you run NetSuite or Sage Intacct and nothing else, Quadient AR is connecting to a system it knows well and you should expect a short integration. If you have an older on-premises ERP, a recent acquisition still on its own system, or three entities on three stacks, Gaviti is more likely to have a real answer instead of a services project. Whichever way you lean, get the vendor to name the specific connector and say in writing which fields sync in which direction, because a read-only nightly export is a very different thing from a live two-way sync.
Neither one picks up the phone, and that is where late invoices actually sit
Both platforms will send a reminder, escalate internally, and show you an aging bucket going the wrong way. Neither makes a live collections phone call. That is not a criticism of either product, it is close to a category boundary: Quadient AR, Gaviti, Versapay, Billtrust, HighRadius, FIS GETPAID and Tesorio all stop at digital outreach and hand the phone work back to your team. Sidetrade is the one notable exception, since its Aimie agent places autonomous outbound calls. The trouble is that the invoices costing you the most are precisely the ones automated email has already failed on. An invoice at 60 days past due, three ignored reminders deep, does not need a fourth reminder. It needs someone to reach the person who approves payment and get a commitment. If you buy either of these platforms, be honest in the business case about who is going to make those calls, because the software will surface the list and then wait for a human. That gap is the reason a done-for-you collections layer often sits alongside a platform like these rather than instead of one.
Looking at just one of them in more depth? Read our Quadient AR alternative and Gaviti alternative breakdown, or the wider roundup of the best accounts receivable automation software.
Good questions
Quadient AR vs Gaviti, answered
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Still just need the invoices chased?
If your invoices go out fine and customers simply pay late, AccountsReceivable.ai chases every one across email, SMS and live AI calls, applies the cash and cuts your DSO. Flat fee, and we never take a cut of what we collect.
Works with QuickBooks, Xero, NetSuite and Sage · bank-grade security · no percentage of collections