8 best accounts receivable and payable software | AP & AR automation solutions

If you asked any finance team what slows them down the most, you’d probably hear the same thing: manual processes.

Whether it’s chasing approvals, entering invoice data, or reconciling payments, both accounts payable (AP) and accounts receivable (AR) can eat up hours every week.

That’s where automation helps. The latest accounts receivable and payable software streamlines both sides of the cash flow cycle. It captures and codes invoices, sends reminders, routes approvals, and gives finance teams real-time visibility into every transaction.

We’ve gathered tools that focus on accounts payable (AP), accounts receivable (AR), or both, so you can find the automation that best fits your finance team’s needs.

1. Rillion – Fast, flexible AI-enabled AP processing software
2. Sage Intacct – Unified financials for global companies
3. Quadient – AP/AR automation for the mid-market
4. Centime – Streamlined AP & AR
5. Invoiced – Centralized AR automation
6. Tipalti – Simplified global AP and payments
7. Younium – Accounts receivable for B2B
8. Stampli – Collaborative AP automation

8 best accounts receivable and payable software at a glance

Before we dive into the top eight AP & AR automation solutions, here they are at a glance:

1. Rillion — Fast, flexible AI-enabled AP processing software

Rillion is an AI-powered accounts payable (AP) automation software that helps finance teams digitize the entire AP workflow.

The platform’s built-in AI reads and codes invoice data with around 90% accuracy. It predicts the correct approval path and keeps payments moving without the manual back-and-forth. 

Approvers can review and approve invoices on either desktop or mobile, and all activity syncs instantly with over 50 leading ERPs, including NetSuite, Sage, Microsoft Dynamics, and SAP.

Rillion also makes it easy to manage AP across multiple entities, locations, or business units from one centralized dashboard. Your team will see faster month-end closes, fewer errors, and complete control over spend.

Rillion includes all the traditional features of an AP automation solution, with AI applied where it makes a real difference:

• Invoice capture: Intelligent invoice capture extracts data across invoice formats with ~90% accuracy and suggests correct general ledger codes based on past patterns.
• 3-way purchase order matching: Increase accuracy and compliance with automated 3-way PO matching.
• Approval workflows: Set customizable rules or AI-driven suggestions for automated approval workflows. Option for role-based approval rules.
• Automate payments: Rillion offers automated payments, including secure virtual cards and automated reconciliation
• In-depth reporting: Advanced reporting and analytics for spend visibility across entities
• Multi-entity management: Approve invoices, manage spend, and gain real-time visibility across multiple companies or locations from one screen.
• Virtual card payments with rebates: Securely pay vendors using virtual cards, reducing fraud risk.
• 50+ ERP Integrations: Sync invoices, approvals, and payments directly into 50+ leading ERPs (including Microsoft Dynamics, NetSuite, Sage Intacct, and SAP Business One), eliminating double entry and ensuring clean data for month-end close.
• Riley, the AI Assistant: Ask the built-in AI questions about invoices, suppliers, or workflows and get instant answers. 

Rillion’s stand-out feature — Multi-entity management

Rillion makes it easy to manage accounts payable across multiple entities or business locations from one centralized platform.

Unlike other systems where you have to switch between entities to view invoices, Rillion lets you see everything in one place. You get a single, unified view of all invoices across all your companies. That means no more logging in and out or jumping between screens. It’s a faster, smarter way to manage AP for complex organizations.

You can even connect multiple ERP systems, so each entity keeps its existing workflows and general ledger structure. At the same time, customizable approval rules let each location maintain local control, ensuring flexibility while still benefiting from centralized oversight.

Who is Rillion built for?

Rillion is best suited to mid-market companies processing 24,000+ invoices annually, particularly in industries like healthcare, manufacturing, and hospitality.

It’s especially valuable for organizations with multiple entities or subsidiaries that need consolidated visibility and streamlined accounts payable paperless workflows.

Rillion is for finance leaders who want to:

• Cut invoice processing and approval time with AI-driven automation, going 85% faster
• Centralize AP across multiple entities for better control and reporting
• Reduce fraud risk and payment errors with secure, automated vendor payments
• Eliminate manual double entry through seamless ERP integration (with 50+ leading ERPs)
• Give AP teams peace of mind with intuitive, user-friendly software
• Work with a trusted partner to implement AI across their finance processes, confidently and securely

Read about how Robinson Lumber Company processes 20 invoices in 15 minutes (a task that previously took 2 hours) to increase AP efficiency and accuracy.

2. Sage Intacct — Unified financials for global companies

Sage is known for being an ERP, but it also has AR and AP software. Its AI-powered AP automation workflows and PO matching improve your efficiency, and real-time financial reporting makes it easy to make important decisions.

It also has AR automation that offers seamless invoicing with automated invoice generation and reconciliation, secure online payment, outstanding balance tracking, and integrations with other software tools.

Key features in Sage Intacct’s AP/AR software include:

• Automated workflows: Handle recurring journal entries, approvals, and billing automatically, reducing manual work.
• Simplified reconciliation: Auto-match against information drafted by AI to save you time and hassle, simplifying month-end.
• Strong core GL & compliance controls: Role-based access, audit trails, and approvals keep finances secure and audit-ready.
• Flexible integrations: Add entities, users, or geographies seamlessly, with integrations into payroll, CRM, and business apps.
• Customizable dashboards & reports: Build role-specific dashboards and slice data any way you need to view data in real-time.

Sage Intacct’s stand-out feature — Control Insights

Sage Intacct’s Control Insights gives you the tools to manage your finances proactively, build financial resilience, and maintain reliable financial reporting with 26 key control indicators to fully assess your risk.

Sage Intacct offers real-time visibility into financial health and risk indicators, so that you are in control of finances and can see all areas of opportunity.

Who is Sage Intacct built for?

Sage Intacct is made for global, multi-entity firms that want to boost their AP productivity and simplify their processes. It’s best suited to project-based companies, such as CPAs, or financial services companies, as it can manage project costs, and keep projects running on time.

3. Quadient — AP/AR automation for the mid-market

Quadient connects accounts payable and receivable in one streamlined platform.

Its AP automation captures, codes, and routes invoices automatically while matching them to purchase orders for faster, more accurate approvals.

On the AR side, Quadient sends invoices digitally by email, or SMS, manages collections, and accepts payments online. Together, these tools help finance teams control cash flow and improve visibility across every transaction.

Key features in Quadient’s AP/AR software include:

• Automated payments: Set up automated payments to vendors to ensure timely payments and receive payments from customers smoothly.
• Customize approvals: Configure your approval processes based on department, location, project, or vendor.
• PO matching: Use Quadient’s 2- or 3-way matching to compare POs to invoices to ensure that all payments are approved and accounted for.
• Integrations: Integrate with ERP and accounting systems, including QuickBooks, Sage, and NetSuite.
• Real-time reporting: View a live report of your monthly accrual and search for any invoice, PO, or payment status.

Quadient’s stand-out feature — full AP workflow

Quadient AP Automation unifies the entire AP cycle in one place, from invoice capture to PO matching to payments.

It has an especially strong focus on PO matching. This helps prevent duplicate or fraudulent invoices and gives finance leaders greater confidence in every approval. 

Who is Quadient built for?

Quadient is built for mid-sized, growing businesses managing AP and AR across multiple entities or locations and looking to automate growing invoice volumes and customer payments with better visibility and control.

4. Centime — Streamlined AP & AR

Centime’s full AP & AR solution provides AI-powered AP with invoice capture, coding, PO matching, and approval routing. Its AR includes automated collection workflows, invoice delivery, and a branded customer portal.

With these two modules, your finance team reduces time spent on repetitive, manual tasks, pays suppliers smoothly, and gets paid faster.

Key features of Centime’s AP and AR automation software include: 

• Approval workflows: Customize your approval workflows by location, amount, or department to eliminate bottlenecks.
• Automated collections: Create fully customizable, automated reminders, follow-ups, and escalations tailored to due dates and balances.
• Supplier portal: Vendors can track payments through Centime’s self-service supplier portal.
• Customer portal: Customers can access a secure, branded portal to view and pay their invoices without any friction.
• Expense management: Control your company’s expenses with automated expense tracking and reporting.

Centime’s stand-out feature — Invoice delivery

Deliver invoices to customers automatically to speed up payments and reduce follow up. Once an invoice is created, your personalized, branded invoice is emailed to the client for payment, and if no payment method is added, Centime starts sending automated reminders.

On your end, Centime notifies you when invoices are delivered and opened, so you can track invoice statuses easily, and any manual follow-up is effective.

Who is Centime built for?

Centime is made for services companies that need to centralize their AP, AR, and expense management in one connected system. It helps IT and professional services businesses to streamline every aspect of their finances.

5. Invoiced — Centralized AR automation

Invoiced automates every step of the invoice-to-cash process with customizable workflows, smart payment reminders, and online payment options.

The result is fewer manual tasks, faster collections, and more predictable revenue. With everything centralized, your team can shorten payment cycles and stay on top of collections without the follow-up hassle.

Key features of Invoiced’s AR automation software include:

• Automated outreach: Set up automated outreach cadences with personalized messages and frequency.
• Self-serve portal: Customers can make payments, set up AutoPay, download receipts, and manage their subscriptions from the self-serve portal.
• Integrations: Invoiced offers integrations with ERPs, accounting systems, and has an API so you can link all your solutions together.
  Online payments: Customers can pay using ACH, BACs, direct debit, credit cards, iDeal, SEPA, and more.
• Reporting: Invoiced has pre-built reports, cash collection forecasting, and you can create your own personalized reports.

Invoiced’s stand-out feature — Automated dunning

Invoiced’s automated dunning enables you to build automated cadences with personalized messages and frequencies that work for your business, personalized with your branding.

Using the reporting feature, you can then analyze collections performance and identify where it can be improved.

Automated dunning frees your team from spending hours chasing payments, so they can focus on more strategic tasks to move your business forward.

Who is Invoiced built for?

Invoiced is made for companies that want to simplify billing, improve cash flow, and reduce manual work. It’s best suited to companies with subscription-based payments, such as software, or repeated payments, like marketing agencies, insurance, or law firms.

6. Tipalti — Simplified global AP and payments

Tipalti is accounts payable automation software designed for global businesses that want to simplify financial workflows and manage payments across entities, countries, and currencies.

Tipalti lets you automate everything from invoice capture and approval to suppliers’ payment. It also has integrations with ERPs, including NetSuite, Sage, Microsoft Dynamics 365, as well as with other popular software, including Slack, Bamboo, Google Workspace, and third-party credit cards.

Key features in Tipalti’s accounts payable automation software include:

• Full spend visibility: Track your spending across entities and sync with ERPs for clear, connected financial data.
• Multi-entity management: Consolidate your different locations with a centralized financial management tool.
• Global supplier management and compliance: Validate tax IDs across 62 countries automatically and screen against global compliance lists.
• Built-in financial controls: Prevent overspending with clear approval workflows, audit trails, and automated PO-matching.
• Supplier management: Suppliers can onboard in their own time with support in 27 languages.

Tipalti’s stand-out feature — Global payments 

Tipalti provides payments to over 200 countries and territories in 120 currencies with 50+ payment methods, including card, ACH, and more. Using Tipalti’s built-in payment rules, you avoid any mis-transfers and ensure flexible, secure payments.

Plus, proactive automated notifications keep suppliers informed throughout payment processing, so they know when their payment will arrive and if it fails.

Who is Tipalti built for?

Tipalti is made for global, multi-entity companies that want to streamline AP, simplify payments worldwide, control spending, and automate procurement. It’s most used by companies in adtech, e-commerce, gaming, business and financial services.

7. Younium — Accounts receivable for B2B

Younium simplifies subscription billing by automating invoicing, tracking every transaction, and giving your finance team full audit visibility from quote to cash.

With all recurring revenue data in one place, your B2B SaaS business can scale faster, reduce human mistakes, and close the books confidently every month.

Key features of Younium’s AR software include:

• Audit trail: Younium enables you to trace each financial transaction from quote-to-cash for stress-free audits.
• Reports: Use Younium’s out of the box reports or build your own custom reports.
• Global payments: Accept payments worldwide with Younium’s multi-entity, multi-currency system.
• Self-service portal: Offer a personalized, branded portal for customers to view and manage subscription details and adjust their billing information.
• Integrations: Connect Younium to your ERP, CRM, accounting system, or use its API to link your tech stack.

Younium’s stand-out feature — Subscription management

As well as providing AR, Younium also provides subscription management, so that you can manage the full customer lifecycle from one central platform.

You can input your full terms, including usage-based fees, discounts, and recurring pricing. Then you can build product plans that reflect your terms and accommodate customer-specific negotiated prices.

With this feature, your business can scale smoothly without needing to juggle complicated spreadsheets.

Who is Younium built for?

Younium is made for B2B SaaS businesses managing recurring revenue that want to speed up payments, improve financial insights, and simplify reporting.

8. Stampli — Collaborative AP automation

Stampli is an accounts payable software that treats every invoice like a conversation, not a file to be passed around. Comments, questions, and approvals sit right beside the numbers, so you’re not digging through email threads to figure out who signed off on what.

Stampli also aims to be flexible enough so that its accounts payable automated workflows match your processes. All invoices are automatically routed to the right approver to make your AP more efficient and flexible.

Key features in Stampli’s accounts payable automation software include:

• Multi-entity management: Set up customized rules for each subsidiary, manage vendors centrally, and have comprehensive reporting across locations.
• Vendor portal: Simplify vendor management with Stampli’s self-service vendor portal, where suppliers can view invoice statuses and update payment details.
• AI Copilot: Stampli’s AI Copilot Billy the Bot extracts and verifies information from each invoice, sends automated notifications, and continuously learns your patterns.
• AI PO matching: Stampli’s AI automatically performs exact header/line PO matching, and checks it against invoices.
• Mobile app: Approvers can use Stampli’s app to approve invoices on the go. It can also be used to request new Stampli cards and update limits.

Stampli’s stand-out feature — Billy the Bot

Billy the Bot converts free text into structured data, suggests GL coding, uses historical patterns to propose approvers, and automates invoice verification. It also doesn’t require any configuration on your part. 

Who is Stampli built for?

Stampli is made for multi-entity companies that manage high volumes of invoices in a complex AP system. It’s most used by audit-heavy teams needing audit trails per-invoice. Companies in government, agriculture, media, non-profit, and oil & gas especially benefit.

How to choose the best accounts receivable and accounts payable software for your business

Managing invoices, approvals, and collections by hand takes time that finance teams rarely have to spare.

The right accounts receivable and payable software can help you automate every stage of your financial workflow, from invoice capture and approvals to customer billing and payments, giving you back control over time, accuracy, and cash flow.

Each of the AP & AR automation solutions in this list offers something unique:

• Rillion: Fast, flexible AP automation for multi-entity companies. AI captures, codes, and routes invoices automatically for faster, more accurate closings.
• Sage Intacct: Unified financial management with advanced reporting and compliance tools. Ideal for global, multi-entity organizations.
• Quadient: End-to-end AP/AR automation with strong PO matching, real-time visibility, and configurable approval workflows.
• Centime: Unified AP, AR, and expense management in one platform to speed up collections and simplify supplier payments.
• Invoiced: Centralized AR automation with smart dunning and payment reminders to boost cash flow and reduce manual collections.
• Tipalti: Global AP automation with compliance built in. Supports 200+ countries, 120 currencies, and 50+ payment methods.
• Younium: AR and subscription management for B2B SaaS. Automates billing, renewals, and reconciliation for recurring revenue.
• Stampli: Collaborative AP automation powered by Billy the Bot. Simplifies communication and keeps invoice approvals flowing.

When evaluating your options, start by identifying where your bottlenecks lie, whether it’s manual invoice coding, delayed approvals, or inconsistent cash flow. Then, look for a solution that integrates easily with your ERP and scales with your business, without adding complexity.

If you’re looking for an intelligent platform that combines speed, visibility, and ease of use, Rillion stands out. It brings together the entire AP process, from invoice capture to approval to payment, in one intuitive system.

Discover how Rillion helps finance teams automate accounts payable and gain total control over spend.