Choose accounts receivable software by the point where your process breaks. Chaser is a sensible shortlist when an existing finance team needs structured invoice follow-up. Upflow is relevant when collections coordination must scale across people and entities. Kolleno deserves attention when payment, dispute and reconciliation work need a shared operating workspace. Invoiced connects a wider invoice-to-cash workflow with Flywire payments, while Centime is useful when AR work should stay close to an existing ERP. A reminder being sent is not the same as an invoice being resolved and the payment being posted correctly.
What the buying decision includes
This comparison concerns incoming customer money. The accounting system should still explain the invoice balance, credits and recorded payment. Decide which system owns a disputed invoice, a promised payment date, a partial payment and an unmatched receipt. If those states remain split across inboxes, a faster reminder schedule can simply create more confusion. Compare the collection workflow and the final cash-application handoff together, and distinguish software capability from outsourced collections services or payment-processing terms.
| Product | Shortlist when | Package boundary | Question that changes the choice |
|---|---|---|---|
| Chaser | The main problem is consistent follow-up | Revenue bands, users/workflows and optional managed service | Who pauses or resolves a disputed balance before reminders continue? |
| Upflow | A team needs coordinated collections at scale | Invoiced-revenue and new-invoice allowances; edition gates | Which tier includes portals, API, multi-entity views and cash application? |
| Kolleno | Collections, payments and exceptions need one workspace | ERP family, entity count, user minimums and tier | Is the quote for payment acceptance or the complete AR workflow? |
| Invoiced | Invoice-to-cash and global payments belong together | Tailored implementation, ERP integration and payment terms | Who handles matching exceptions and the final ledger posting? |
| Centime | AR should sit close to the existing ERP | Exact ERP-supported AR scope and related modules | Can finance resolve an exception without creating a second balance record? |
Chaser
Chaser combines automated payment reminders with receivables visibility, payment options and communication records. The practical fit is a finance team keeping its accounting platform while improving how overdue invoices are followed up. Its current site also distinguishes the software from Chaser Care, a managed service. Decide whether you need a better workflow for existing staff or additional people doing the collections work; those are different purchases. Chaser official source.
Current Compact, Core and Complete packages vary by company revenue, users and automation scope. Compact lists four users and four automated receivables workflows; Core expands those allowances and supports multi-entity work. Pricing varies by country, currency and monthly or annual billing, with Care separately offered. A low-volume company can still need a higher package because of its revenue or entity structure. Ask for the applicable local band and any communication or service charges rather than comparing a single headline amount. Chaser official source.
Upflow
Upflow brings collections, analytics, payments and cash application into a connected financial-relationship suite. That breadth is useful when the collection team must coordinate with sales or account owners while finance retains the ledger. It does not establish that every buyer receives every suite component. The workflow should make the next responsible person and the reason an account is blocked clear, rather than simply giving more people the same aging report. Upflow official source.
Upflow prices current plans by annual invoiced revenue and new-invoice volume with unlimited user seats. Starter lists up to 40,000 new invoices per year; Grow adds a branded customer portal, REST API and multi-entity dashboards; higher tiers add further agents and controls. A team needing automated cash application should confirm the relevant entitlement, rather than treating the entry collections package as the whole suite. High invoice volume and high invoiced revenue can each affect the proposal, even when user count does not. Upflow official source.
Kolleno
Kolleno organizes collections, customer payments, disputes and cash application. This makes it relevant when collectors and finance operations need a shared view of the work around an invoice. Keep the distinction between an accepted payment, a matched receipt and a reconciled ledger entry explicit. A common workspace is useful only if the correct person can resolve the exception and the accounting record receives the result. Kolleno official source.
The pricing matrix separates Business Pay, Business Plus, Enterprise and Enterprise Plus. Payment-focused entry scope is not the same as the workflow automation in higher offers. ERP families, one versus multiple accounts/entities, and minimum user counts also vary. The rendered pricing text combines monthly, annual and per-user labels, so no numerical subscription total is inferred here. Request a written configuration naming the ERP connector, entities, users, collections automation and reconciliation scope before comparing the proposal with another vendor. Kolleno official source.
Invoiced
Invoiced by Flywire covers invoicing, collections, cash application, reporting and payments. Its documented ERP connections and embedded global payments make it relevant to a business whose problem extends beyond chasing an invoice. Separate the integration that reads invoice data from the workflow that applies a receipt and resolves a short payment. The wider invoice-to-cash scope can be valuable when payment methods and cross-border collection are part of the requirement. Invoiced official source.
The current product page is demo-led and does not provide a universal public subscription tariff. Define ERP and entity scope, payment countries and methods, implementation and posting responsibility in the proposal. Software fees, payment-processing charges and currency conversion should be itemized separately. Claims about average DSO improvement are vendor marketing, not a predicted outcome for your team; this comparison makes no collection-speed or savings promise. Invoiced official source.
Centime
Centime describes AR automation embedded in QuickBooks, NetSuite and Sage Intacct, including invoice delivery, collection campaigns, a customer payment portal, cash application and reconciliation. That positioning fits a finance team that wants operational work anchored to its existing ERP. Confirm the actual connector and product rather than assuming every ERP listed elsewhere in the broader Centime platform supports the same AR workflow. Centime official source.
Centime also offers accounts payable, cash-flow forecasting and banking-related products. Those adjacent modules may be useful, but an AR purchase should specify exactly which are included and which payment services carry their own terms. Its current AR product page does not establish a universal subscription tariff. Obtain scoped pricing and clarify how disputed balances, unapplied cash and credits return to the ledger before treating the proposal as a complete receivables solution. Centime official source.
Which purchase fits your operation?
Choose the platform that closes the gap between a collection action and a correct accounting result. Chaser and Upflow are strong shortlists for collections coordination; Kolleno for a shared exception workspace; Invoiced for a broader payments-connected workflow; and Centime for ERP-centered AR operations.
A company with few overdue invoices may be better served by improving its existing accounting workflow before adding another system. A multi-entity business with disputes and unmatched payments has a different requirement even if the same number of reminders is sent. Compare the necessary edition, ERP connection and payment terms on the same scope, and make the handoff owner visible. Software cannot ensure that a customer pays or replace decisions about disputed obligations.
For related decisions, compare accounting systems and accounts payable automation.
By Toolverly Editorial, with AI-assisted research and drafting. Product information checked October 28, 2026.
Photo by Jakub Żerdzicki on Unsplash. Read about our publication or send a correction.