By system & fit
Stand alone accounts receivable software and simple accounts receivable software that works with the accounting system you already have
Most companies that search for stand alone accounts receivable software are not trying to leave their accounting system. QuickBooks, Xero or NetSuite already does the books well. What it does not do is the receivables work in between: noticing which invoices are about to slip, sending the second and third reminder on time, texting the customer who never opens email, reading the reply that says the invoice went to the wrong AP inbox, and matching the payment when it finally lands. A standalone AR tool takes that work off the ledger and leaves the ledger alone.
AccountsReceivable.ai is built that way. On Starter it connects to QuickBooks Online or Xero, reads every open invoice and billing contact, and runs an escalating sequence for each one: an email before the due date, a text from your own Twilio number once it is past due (sent only in the customer's daytime hours), and firmer follow-ups as it ages. Every queued message checks the live balance first, and when a payment arrives it is matched and written back against the invoice. Growth adds NetSuite, Sage Intacct, Business Central and Acumatica plus a live AI phone call for invoices that stay quiet. Starter is 299 USD a month, or 149 USD a month billed annually, with no percentage of what gets collected.
If you would rather not connect anything yet, export your open invoices or the A/R aging report as a CSV and drop it into the tool above. You get the aging, the customers most likely to pay late and the exact reminder each one would receive, in a few minutes. That is also the honest test of whether you need separate AR software at all: if the list it shows you is short and current, the reminders built into your accounting system are probably enough.
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 standalone AR software
Your ledger stays the ledger
Invoices are still created in QuickBooks, Xero or NetSuite, your chart of accounts does not move, and your accountant keeps the same file. The AR software reads open invoices and contacts, and the only thing it writes back is the payment against the invoice it belongs to. There is no data migration, no parallel set of books and no month-end reconciliation between two systems.
The follow-up your accounting system skips
Built-in reminders in QuickBooks Online and Xero send an email on a schedule and stop there. They do not text, do not escalate the wording, do not read the reply and do not know that a customer promised to pay on Friday. A standalone AR tool runs the whole sequence per invoice and logs every promise, resend request and dispute so the next step happens without anyone remembering it.
Simple enough to run in an afternoon
Simple accounts receivable software should not need an implementation partner. Connect QuickBooks Online or Xero, or upload a CSV, review the default sequence, change the wording you want, and switch it on. There are no seats to count and no modules to license. A controller can see the full aging, the next message for every invoice and what came back, on one screen.
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.
- Connects to QuickBooks Online or Xero on Starter, NetSuite, Sage Intacct, Business Central and Acumatica on Growth
- Or works from a CSV export of open invoices, with nothing connected
- Email before the due date, then SMS from your own Twilio number in the customer's daytime hours
- Live balance check before every message, so paid customers are never chased
- Payments matched and written back against the invoice in your accounting system
- Flat monthly fee, no seats and never a percentage of what gets collected
- 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
Stand alone accounts receivable software compared with the reminders already in your ledger
What each option keeps, how it chases and what it publishes about price. Vendor figures are taken from each vendor's own pricing page where one exists; confirm before you buy.
| Option | Works with your ledger | How it chases | Published price |
|---|---|---|---|
| QuickBooks Online reminders | It is the ledger | Scheduled email reminders | Included in your QuickBooks plan |
| Xero invoice reminders | It is the ledger | Email reminders on set days | Included in your Xero plan |
| NetSuite dunning letters | It is the ledger | Dunning letters by email or print | Included, set up through a SuiteApp |
| Paidnice | Xero, QuickBooks Online and Stripe on published tiers | Email and SMS, automatic late fees | From 69 USD a month for 150 invoices |
| Chaser | QuickBooks Online, Xero, Sage Intacct and others | Automated reminder schedules | From 259 USD a month for US companies, banded by revenue |
| Chargezoom | QuickBooks Online and Desktop | Payment links, dunning from the Plus tier | Plus from 95 USD a month, banded by processing volume |
| Invoiced by Flywire | QuickBooks Online and Desktop, Xero, NetSuite, Sage Intacct | Reminders and a payment portal | Not published |
| Versapay, Billtrust, HighRadius | ERP-led; none names QuickBooks or Xero on its integrations page | Portal, dunning and cash application | Custom quotes only |
| AccountsReceivable.ai | QuickBooks Online or Xero on Starter; NetSuite, Intacct, BC, Acumatica on Growth; or a CSV | Email, SMS from your Twilio number, AI calls on Growth | 299 USD a month, or 149 billed annually |
Swipe the table sideways to see every column
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 standalone AR software
Explore more
More ways finance teams collect with AccountsReceivable.ai
Accounts receivable outsourcing services
The done-for-you alternative to an AR clerk, an offshore team or an agency.
Learn moreAR software for small business
Enterprise-grade AR for a team that does not have an AR team.
Learn moreAR software for QuickBooks
Sits on top of QuickBooks and does the chasing it does not.
Learn moreGo deeper
Related pages for teams choosing AR software
Accounts receivable software for small business
The Starter setup for one entity and up to about 100,000 USD a month invoiced.
Read the comparisonAccounts receivable software for QuickBooks
What the QuickBooks Online connection reads, chases and writes back.
Read the comparisonAccounts receivable automation for Xero
Escalating reminders and payment write-back on top of a Xero file.
Read the comparisonAR software for QuickBooks Desktop
Which vendors actually connect to Desktop and Enterprise, not just Online.
Read the comparisonBest accounts receivable automation software
The wider market, compared on ledgers, channels and published price.
Read the comparisonAccounts receivable automation pricing
Every plan and what it includes, with invoice limits.
Read the comparisonPaidnice pricing
The invoice-banded rate card and which ledgers each tier includes.
Read the comparisonChaser pricing
The US rate card, banded by company revenue, and what each tier adds.
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