AR automation platforms for B2B dunning

For a high-volume B2B accounts receivable team handling many small-balance accounts, I’d prioritize platforms that automate multi-step dunning across both email and SMS, segment customers by invoice age or balance, and stop reminders automatically when payment is received.

The strongest shortlist is Upflow, Chaser, Kolleno, and AccountsReceivable.ai. If you want more industry-specific workflows or two-way text conversations, ClearReceivables is also worth evaluating. These platforms vary in how deeply they automate the follow-up process and how well they fit different accounting systems.upflow.io+3

Platforms to evaluate

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1. Chaser

(Best starting point for small-balance accounts)

Automates recurring email and SMS reminders on customizable schedules, with payment links that make it easier for customers to settle invoices directly from their phones. You can tailor cadences by customer and invoice.www.chaserhq.com+2

Why it fits: Straightforward, repeatable payment chasing without requiring a collector to handle every account manually.

Website

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2. Upflow

(Best for rules-based scale)

Builds multi-step dunning workflows using email, SMS, calls and letters. Rules can segment accounts by days overdue, payment history, invoice status and risk, helping a lean team focus on exceptions rather than every invoice.upflow.io+1

Why it fits: Particularly compelling if your portfolio is large enough to need differentiated collection strategies and centralized reporting.

Website

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3. Kolleno

Supports invoice- and customer-level workflows across email, SMS and phone, with automated reminders triggered by due dates, overdue status and risk profile. Its customizable workflows also support internal task management and centralized communication history.www.kolleno.com+1

Why it fits: Good for teams that want more sophisticated workflow branching and account-level collection controls.

Website

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4. AccountsReceivable.ai

Automates pre-due and overdue follow-ups, escalating from email to SMS and, on eligible plans, AI phone calls. It also tracks promises to pay and offers invoice reconciliation capabilities.upflow.io+4

Why it fits: Worth evaluating if you want to automate not only reminders but also routine follow-up and payment tracking.

Website

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5. ClearReceivables

Offers a 20-step email and SMS sequence, two-way SMS conversations, payment-promise tracking and automatic follow-ups. Its published pricing is $199/month, with unlimited invoices and team members. It supports CSV invoice imports.clearreceivables.com+1

Why it fits: Attractive for a cost-conscious team that wants a simple, high-volume reminder engine without per-invoice fees. Check its contractor and SaaS-oriented workflows against your B2B use case.

Website

Quick comparison

Sources: vendor product pages and documentation.www.chaserhq.com+4

My recommendation

I'd start with Chaser and Upflow, then add ClearReceivables if keeping software costs predictable is a major priority.

For your use case, don't evaluate these tools on reminder automation alone. During demos, verify these five capabilities:

• Automatic stop rules: reminders stop as soon as the invoice is paid or credited.
• Balance-based economics: no prohibitive per-invoice or per-message fees when chasing thousands of small balances.
• Account segmentation: different cadences for small balances, repeat late payers and disputed invoices.
• Two-way messaging: customer replies and payment promises are captured rather than lost in an inbox.
• Accounting integration: reliable synchronization with your ERP or accounting system, including payment status and contact data.

One important distinction: a platform that automates sending SMS isn't necessarily able to interpret replies or resolve disputes automatically. Confirm both capabilities separately.

Which accounting system does your team use — NetSuite, QuickBooks, Sage, Microsoft Dynamics, or something else? That will help narrow this list to the best-fit platforms for your existing workflow.

For a large portfolio of small-balance B2B accounts, I’d prioritize AR automation software built around automated collections, multichannel dunning, and self-service payment rather than a traditional enterprise collections platform.

The goal is to collect many relatively small invoices at low cost per account, without requiring staff to chase customers manually. Email should be the default channel, SMS should provide timely reminders for appropriate contacts, and the system should automatically escalate overdue accounts based on payment behavior.

What I’d look for

• Automated dunning: configurable reminders before and after due dates, with escalating frequency and tone.
• Email + SMS: native support for both channels, including delivery tracking and customer replies.
• Payment-aware workflows: automatically stop reminders when payments arrive or disputes are opened.
• Self-service payments: payment links, hosted portals, and convenient ways to resolve balances.
• High-volume economics: pricing that works for thousands of low-value invoices without excessive per-account or per-message fees.
• B2B integrations: sync with your ERP, accounting platform, and CRM.

Recommended AR automation platforms

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1. Chaser

(Best starting point)

Best for: High-volume invoice chasing with straightforward email and SMS automation.

Chaser supports customizable reminder schedules, automated SMS and email, payment portal links, and workflows that stop chasing after payment. Its schedules can combine reminders before the due date, overdue follow-ups, and post-payment messages.www.chaserhq.com+2

Why it fits: A strong candidate when your main goal is to automate routine follow-ups across a large portfolio without losing the personal feel of B2B communications.

Check before buying: SMS usage costs, pricing at your invoice volume, and whether its integrations support your accounting system.

Chaser website ·SMS reminders

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2. Upflow

Best for: B2B portfolios that need rules-based, multichannel collections.

Upflow supports automated workflows using email, SMS, calls, and letters. You can segment accounts by payment behavior, overdue days, invoice status, and risk, then tailor the collection sequence to each segment. It also covers cash application and payments.upflow.io+2

Why it fits: Particularly worth evaluating if you want more sophisticated account segmentation and escalation rules instead of sending the same reminder cadence to every customer.

Check before buying: Whether the workflow complexity is justified for your small-balance accounts, and the total cost of implementation and ongoing usage.

Upflow website ·Automated collections

How I’d compare them for your use case

These are feature-based recommendations, not a verified pricing or implementation comparison. Both vendors should confirm the exact capabilities available in the plan they quote you.

The dunning workflow I’d implement

For small-balance B2B accounts, I’d start with a simple, mostly automated sequence and escalate only when needed.

1. 3 days before due date — Email

   Friendly reminder with invoice details and a payment link.

2. 1 day overdue — Email

   Short payment request with a copy of the invoice and a direct way to pay.

3. 7 days overdue — SMS + email

   Brief text reminder with a secure payment link, where appropriate.

4. 14 days overdue — Automated escalation

   Stronger reminder, account-specific follow-up, or an internal task for exceptions.

5. Payment received — Stop dunning

   Automatically suppress further reminders and send a confirmation.

The exact cadence should be adjusted to your contractual payment terms, customer preferences, and historical payment behavior. SMS should be used only where you have the appropriate contact information, permissions, and compliance controls.

My recommendation

Start by evaluating Chaser, then compare it with Upflow. Ask both vendors to demonstrate your actual workflow using a representative sample of small-balance accounts.

The most important commercial metric is your total cost per successfully collected invoice, including software fees, SMS charges, implementation, and the remaining manual work—not simply the monthly subscription price.

One question would help me narrow this down further: Which accounting or ERP system do you use today? For example, NetSuite, QuickBooks, Sage, Microsoft Dynamics, or a custom billing platform. Integration compatibility can substantially change which solution is the best fit.