Updated July 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral — no vendor pays for placement or ranking.
AR and collections automation for Dynamics 365 chases overdue invoices, applies incoming cash, manages disputes and gives customers a self-service payment portal, working from the receivables ledger in Finance & Operations or Business Central. Dynamics includes collections management and basic settlement; specialists add machine-learning cash application, dispute workflow and branded customer portals.
| Product | Best for | Pricing | Deployment |
|---|---|---|---|
| AI-powered order-to-cash platform for invoicing, payments… | Buyer-reported $20,000-$60,000/year, rising with invoice volume | Cloud | |
| Small business / Mid-market | From £199/month (Compact plan) | Cloud | |
| Mid-market / Enterprise | Quote-based; mid-market to enterprise AR band $50,000-$200,000/year | Cloud | |
| Mid-market / Enterprise | Quote-based | Cloud | |
| AI-powered accounts receivable automation for collections… | Tiered subscription (Standard, Pro, Expert), billed annually | Cloud | |
| Mid-market / Enterprise | Quote-based | Cloud | |
| Mid-market / Enterprise | Reported from about $50,000/year to $150,000+ | Cloud | |
| Accounts receivable automation platform for invoicing, co… | From about $299/month | Cloud | |
| AI-powered accounts receivable and collections automation… | £650 per user/month (BusinessPay tier, billed monthly; £545/month billed annually) | Cloud | |
| Cloud accounts receivable automation platform for collect… | Subscription, feature-based | Cloud | |
| Mid-market / Enterprise | Quote-based | Cloud | |
| Mid-market / Enterprise | Third-party estimate $50,000-$150,000+/year | Cloud |
Dynamics 365 Finance has a genuine collections management area — customer pools, ageing, collection agents and activity tracking — which is more than many ERPs ship and worth evaluating before you shop. Business Central is thinner, offering reminders and finance charges rather than a structured collections process.
Where both fall short is cash application at volume and dispute handling. If your customers pay one invoice per payment with clean references, Dynamics settles most of it automatically and a specialist adds little. If payments arrive as consolidated transfers against dozens of invoices, with short-payments and remittance detail buried in emails, machine-learning matching is where the return sits — and the vendors below differ enormously in how well they do it.
Dynamics 365 Finance includes credit and collections management — customer pools, collection agent worklists, ageing snapshots, activity logging and write-off workflow — plus settlement with configurable matching rules. Business Central offers reminders, finance charges and manual application, a noticeably lighter footprint. Neither ecosystem provides intelligent cash application that learns from your remittance patterns, structured dispute and deduction workflow with root-cause analysis, or a customer-facing portal for viewing and paying invoices. Those three gaps are what the specialists sell against, and they matter in proportion to your remittance complexity rather than your revenue.
SAP
Oracle
NetSuite
Dynamics 365+1
SageNetSuite+2SAPOracleNetSuiteDynamics 365SAPOracleNetSuiteDynamics 365NetSuiteSAPDynamics 365Sage+1NetSuiteOracleSAPDynamics 365+2SAPOracleNetSuiteDynamics 365NetSuiteSage IntacctDynamics 365QuickBooksNetSuiteXeroQuickBooksSage+2SAPNetSuiteSageDynamics 365+1SAPOracleNetSuiteDynamics 365NetSuiteSage IntacctDynamics 365OracleSAPOracleDynamics 365NetSuite+3Customer stories from the vendors compared above, summarised from their published case studies.
Equipment & Services · United States
DSO dropped from 38 to 20 days, AR balance cut in half to $10M, bad debt reduced to under $200K, $360K annual savings
Software/SaaS · Enterprise
Runs with Sage IntacctWithin 2 months reduced outstanding receivables by 11% and decreased DSO by 2 days, continues to drive down key metrics, shifted approach allowing focus on highest priorities and shrinking total A/R
Healthcare · SMB
Increased early credit card payments significantly, reduced requests for paper bills to less than 0.1% of patients, 80% of patients with balances under $50 paid via mobile, 200% increase in bills paid within 45 days
Facility Services · United States
$1M+ in annualized savings, processing 600K-650K payments/month, payment processing doubled to 40-45/hour, credit card virtual card team reduced from 16 to 2 people
Staffing · United States · Enterprise
ACH match rate tripled to 70%, 8 team members save 5+ hours/week, 2000+ hours productivity gains annually, 75% reduction in card costs
Building Materials · United States
$15M in annual surcharging savings, 7-8 collectors handle workload of 10, eliminated need to hire 2 credit managers, 100% electronic credit applications
Summarised from each vendor's published customer stories. Figures are the vendor's own claims, not independently verified by ERP Research. See all 23 Esker case studies →
A vendor-neutral shortlisting guide to AR & collections: how the 13 systems we track compare on capability, what to check before you sign, and the questions that separate a good fit from an expensive one.
AR & Collections Buyer's Guide
13 systems compared · 2026
ERP Research
Most vendors in this category price by quote, so there is no honest list price to quote you. Here is what actually drives your number — and how to get a real one.
4 of the 13 vendors we track in this category publish no list price at all.
List the specific AR & collections outcomes you need — volumes, workflows, countries, systems in the loop — and rank them. Vendor demos are optimised to reframe your requirements around their strengths; a written list keeps the evaluation yours.
Every vendor here “integrates with Dynamics 365” — the differences are in depth. Ask each to demo the integration against a realistic Dynamics 365 configuration: your entity structure, your fields, your transaction volumes, and what happens when a sync fails.
Look for Microsoft AppSource listing / ISV certification and a current listing on Microsoft AppSource. Certification doesn't guarantee fit, but it confirms the vendor keeps pace with Dynamics 365 releases — uncertified integrations are where upgrade breakage concentrates.
Ask for two reference customers on Dynamics 365 at your size and in your industry, and ask them what broke in the first year. Implementation quality varies more than product quality in the AR & collections category.
Compare subscription plus implementation plus internal effort — not headline price. Dynamics 365 accounts receivable automation pricing models differ (per user, per volume, per entity), so normalise every quote to your actual usage before comparing.
For a small team chasing a manageable ledger, often yes — pools, worklists and activity tracking cover the process, and it is included. The threshold is usually cash application rather than chasing: once unapplied cash is a recurring month-end problem, or disputes and deductions need structured workflow, native runs out. Business Central users hit that ceiling considerably sooner because its collections tooling is basic by comparison.
Straight-through match rate — the share of receipts applied with no human touch. Insist on a proof of concept using your own remittance data including the awkward cases: consolidated payments, short payments, missing references and emailed remittance advice. Headline rates in vendor decks come from clean portfolios and tell you nothing useful about yours.
Open invoices and customer master data flow out; applied receipts, adjustments and dispute records flow back. F&O integrations use Dataverse and OData APIs, Business Central uses its own API and AL extensions — genuinely different builds, so confirm which your vendor supports. Check write-back granularity: applications posting at invoice level with proper adjustment reasons, rather than summarised receipts that leave your team reconciling two ledgers.
This comparison currently covers 13 options that work with Dynamics 365, including Billtrust, Chaser, Emagia. Each links to a detailed profile with features, integrations, pricing and alternatives, and the directory is updated as the market changes.
Most vendors here quote rather than publish. Tell us your Dynamics 365 version, seat count and must-haves and we'll come back with an independent view of what it should cost — and which options are worth quoting against each other.