Top 5 best accounts receivable management software

Based on our analysis, we’ve compiled a list of the 5 best accounts receivable management software solutions. We highlight the key features, benefits, and considerations of each solution, so you can make an informed choice for your organization.

The 5 best accounts receivable management software

1. Payt

Payt is a scalable solution that focuses entirely on automated accounts receivable management. Payt is the market leader in accounts receivable management software in the Benelux.

Trustpilot score: Rating 4.6 / 5 based on approximately 1,213 reviews (excellent).

Services: Payt offers a complete SaaS platform for automated accounts receivable management. The system automates invoice and payment reminders while maintaining personal customer contact. With consistent follow-up and user-friendly payment options, invoices are paid on average 30–50% faster. The entire process, from the first invoice to the last payment reminder, can be managed within one central platform.

Additionally, Payt uses AI to further optimize processes. The system predicts which invoices are at increased risk of late payment, allowing organizations to intervene in a timely and targeted manner.

Integrations: Payt can be easily linked with existing accounting and industry-specific packages, such as Exact, Twinfield, and AFAS. This ensures the software knows exactly how and who to remind about outstanding invoices.

Pricing model: The company offers subscriptions based on invoice volume.

• Up to 30 invoices per month: € 39.95 per month.
• Up to 75 invoices per month: € 69.95 per month.
• Up to 250 invoices per month: € 159.95 per month.
• 250 to 1,000,000+ invoices per month: a quote is required.

The model offers unlimited access for all team members, with no per-user fees. Additionally, subscriptions can be canceled monthly, with no long-term contracts.

Suitable for: Payt is suitable for organizations of all sizes, from small SMEs to large corporations, active in various sectors such as healthcare, dental care, pharmacies, wholesale, and business services. The platform is used by thousands of organizations and more than 17,000 users, including accounting firms, healthcare institutions, wholesalers, and other professional service providers.

Unique features & benefits:

• Highly flexible workflows for customer-specific invoice follow-up.
• Customer portal where debtors can view invoices, ask questions, and pay directly.
• Notes and task functionality for internal collaboration around debtors.
• Use of AI to make the tool even more efficient for users.

Payt positions itself as one of the most complete accounts receivable management solutions on the market.

Security & certification: ISO 27001 certified and NEN 7510 certified for healthcare-related data. The platform undergoes scheduled external audits to ensure information security is in order. It fully complies with GDPR requirements and offers a data processing agreement.

2. Exact

Exact is an accounting platform that also offers accounts receivable management features such as sending reminders and monitoring outstanding items. For those already using Exact, it can be convenient to manage this within the same environment.

Trustpilot score: Rating 2.9 / 5 based on 588 reviews (average).

Services: Exact offers financial administration, ERP, CRM, and HR solutions in one platform. The goal is to efficiently automate business processes for entrepreneurs and accountants. More than 675,000 companies use Exact’s cloud software for accounting, payroll, and inventory, among other things. Integrations with external apps are actively developed to expand business software.

Integrations: Extensive own ecosystem with an App Center full of add-ons and integrations. APIs for linking with webshops, banks, POS systems, CRM, and industry solutions. Since Exact itself is the accounting system, linking with other accounting packages is usually unnecessary.

Pricing model: Subscription per product or module. New users can try Exact Online for 30 days for free, after which monthly cancellable contracts apply.

• Essentials: € 48.00 per month
• Plus: € 97.50 per month
• Professional: € 146.00
• Premium: from € 297.00 per month
• Enterprise solutions are quote-based (from approximately € 279.00 p/m).

Suitable for: From start-ups and freelancers to medium and large organizations. Many SMEs and accounting firms run their administration in Exact, but there are also solutions for larger, internationally operating organizations.

Unique features & benefits:

• All-in-one platform: accounting, logistics, CRM, HR, and more in one environment.
• Investments in new technology such as AI and machine learning for accounting and reporting.
• Special portals and tools for accountants to collaborate with clients.

Security & certification: Extensive Information Security Management System (ISMS), based on ISO 27001. Cloud services are provided with ISAE 3402 Type II reports for internal controls. Additionally, parts are ISO 9001 certified for quality management (support organization). Data is securely stored in certified data centers, and Exact is fully GDPR compliant with its own Trust Center and documentation.

3. Onguard

Onguard is part of Visma and a specialized provider of order to cash and credit management software for medium and large organizations.

Trustpilot score: No reviews available.

Services: Onguard provides a platform that supports the entire order-to-cash process: from risk assessment and invoicing to accounts receivable management and linking with collection partners. The software combines internal and external data, such as credit information, to provide insight into payment behavior and risks and improve working capital.

Integrations: Integrations with almost all common ERP and accounting systems such as SAP, Oracle, Microsoft Dynamics, and Exact. Additionally, connections with credit information providers and collection partners. The platform is typically implemented as an add-on on top of existing financial systems.

Pricing model: Onguard uses a usage-based pricing model with a fixed platform fee and a volume fee based on the number of processed invoices. Customers only pay for what they actually use. The model offers unlimited access for all team members, with no per-user fees. This allows the price to grow with the invoice volume and the needs of the organization. Exact rates are provided upon request.

Suitable for: Medium to large organizations with complex accounts receivable processes and large invoice volumes.

Unique features & benefits:

• From risk management to collection in one platform.
• Integration of credit insurers and collection partners in the process.
• Option to use solutions both hosted (cloud) and on-premise (e.g., CreditNext).

Security & certification: Part of the Visma Security Framework with an ISMS in accordance with ISO 27001. Cloud services are provided with ISAE 3402 Type II controls. Data is stored in EU data centers, secured and monitored 24/7. Onguard follows a Responsible Disclosure policy and concludes data processing agreements according to the GDPR.

4. Debitan

Debitan offers accounts receivable management software and additional support for SMEs looking to improve their follow-up.

Trustpilot score: No reviews available.

Services: Debitan provides an online platform that allows companies to automate basic processes within accounts receivable management, such as sending invoices, reminders, and dunning letters. The software also includes features for some additional administrative processes, including subscriptions, invoicing, and rental, making the system more widely applicable for SMEs.

In addition to the software, Debitan offers the option to have parts of the accounts receivable management performed by their team. Companies can also choose to deploy temporary support through the secondment of credit controllers.

Integrations: Plug-ins with AFAS, Mollie, Graydon/Grayhams, Rootline, and various online accounting packages. Through APIs, Debitan can integrate with email systems, payment providers, and other administrative software.

Pricing model: Debitan works with two types of pricing models: one for organizations that use the software themselves and one for companies that want to outsource (part of) the accounts receivable management.

Using the software yourself

• Starter package: € 34.95 per month
• Standard package: € 74.95 per month

Outsourcing to Debitan

• Pro: from € 199.95 per month
• Pro plus: from € 299.00 per month

Suitable for: Small to medium-sized enterprises (from freelancers and start-ups to about 50 employees). Suitable for various sectors, including employment agencies, law firms, webshops, real estate, and healthcare. Interesting for companies that want more control over their debtors without setting up a full credit management department.

Unique features & benefits:

• Strong hybrid approach: combination of software and human support.
• Modular and custom-oriented: additional modules and integrations possible for specific processes (e.g., order or real estate management).

Security & certification: Debitan offers its software as an online service and provides terms and conditions and a privacy policy in accordance with the GDPR. Specific security certifications, such as ISO 27001, are not explicitly mentioned on the website.

5. POM

POM is a fintech solution that supports organizations in digitally sending invoices and facilitating fast, user-friendly payments.

Trustpilot score: No reviews available.

Services: POM offers a platform for digital invoicing and payments, allowing organizations to create and send invoices in their own branding. The system supports multiple payment methods, such as iDEAL, Bancontact, and credit card, so customers can easily pay via QR codes or direct payment links.

Additionally, POM assists in the follow-up of outstanding invoices by sending automatic reminders and dunning letters. The follow-up process is supported by machine learning, improving the timing and effectiveness of reminders. This helps POM support companies in digitizing their invoicing process and speeding up payments.

Integrations: POM works modularly and API-first and integrates with various business and sector systems, including ERP solutions, insurance software, collection tools, payment service providers, and banking systems. The platform is also connected to social initiatives that support payment flows, making POM a good fit for existing workflows within organizations.

Pricing model: POM operates with an annual subscription determined based on the average number of invoices an organization sends per month. Subscriptions start at € 9.99 per month and include a fixed number of payment transactions, with maximum transaction costs of € 0.39 per payment.

Higher subscriptions offer more included transactions and a lower price per payment. Standard payment methods such as Bancontact and Payconiq are included, with payouts to one business account; additional accounts can be added for a one-time fee of € 99.00. The subscription is billed annually, automatically renewed, and can be adjusted monthly.

Suitable for: Large senders of invoices and bills: housing corporations, (health) insurers, telecom companies, government institutions, and other organizations that send large volumes of invoices. Also suitable for medium-sized companies looking to digitize their invoicing process and enhance payment convenience for customers.

Unique features:

• Self-learning collection: POM Collect uses business rules and machine learning for optimal order, timing, and channel of reminders.
• Extensive analytics and A/B testing to continuously improve payment behavior and conversion on payments.

Security & certification: High security standards due to payment traffic. Payments are made through a secure online payment environment with pre-filled data. POM works with PCI-DSS certified payment providers, uses encrypted data transports, and supports multi-factor authentication for portal access. The platform is GDPR compliant; privacy policy and data processing agreements are available. In combination with Mail to Pay, it operates according to modern security and compliance standards (such as ISO 27001/SOC-like frameworks within the group).