Gaviti vs Upflow

QuickBooks Online

QuickBooks Desktop

Xero

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

QuickBooks Desktop provides a comprehensive business management solution that integrates accounting, payroll, inventory, and multiple company management functionalities. The software offers industry-specific editions tailored for manufacturing, wholesale, contractors, and accountants, with features like advanced reporting, job costing, and automated pricing rules. Users can enhance their experience with cloud hosting capabilities that enable remote access and team collaboration.

Xero is an award-winning online accounting software designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Simplify business admin and get a range of financial insights to help you make better decisions for your business.

Gaviti is a B2B Autonomous Invoice to Cash solution that uses automation technology and AI to automate repetitive and make everything else controllable and predictable. Gaviti provides A/R teams with solutions for credit management, collections management, dispute management, and cash application.

Accounting

Accounting Integration

Accounts Receivable

ACH Payment Processing

Activity Dashboard

Aging Tracking

Alerts/Notifications

Approval Process Control

Audit Trail

Automated Notices

Automated Scheduling

Bank Reconciliation

Billing & Invoicing

Billing Portal

Borrower Management

Bulk Send

Business Process Automation

Cash Flow Management

Cash Management

Check Processing

Client Management

Contact Database

Contact Management

Credit Card Processing

Credit Note

Credit Reporting

Customer Statements

Customizable Reports

Customizable Templates

Data Import/Export

Data Visualization

Discount Management

Dunning Management

Electronic Payments

Email Templates

File Encryption

Financial Analysis

Financial Reporting

Forecasting

General Ledger

Historical Reporting

In-House Collections

Invoice Creation

Invoice History

Invoice Management

Invoice Processing

Monitoring

Multi-Currency

Multi-Language

Multiple User Accounts

Online Invoicing

Online Payments

Partial Payments

Payment Collection

Payment Management

Payment Processing

Process/Workflow Automation

Projections

Purchasing & Receiving

Real-Time Analytics

Real-Time Data

Real-Time Reporting

Receivables Ledger

Recurring/Subscription Billing

Reminders

Reporting/Analytics

Reporting & Statistics

Risk Analysis

Risk Assessment

Risk Management

Self Service Portal

Template Management

Third-Party Integrations

Transaction Management

User Management

Workflow Management

Gaviti

Web-based

Android

Upflow

Account Receivable Specialist

Being the AR person, having a report that list all open invoices and/or customers with a balance with the contact info allows my day to go more smoothly.

Operations Director

I like the ability to look up my bills and see what I owe prior to the bills being loaded into my online payment portal.

Billing Cooridinator

We can add notes to invoices and actually do multiple notes to mulitple orders at the same time.

Accounts Receivable Specialist

Sometimes I am looking at a brand new invoice for a company, so there are no notes attached to it, but I know that on previous invoices I left notes, but I am unable to access those notes while looking at the newest invoice.

I wish there was an ability to see the notes, pdfs, etc of all past open invoices of a company while looking at a more recent invoice of that company.

Job Cost Analyst

Gaviti does a much better job at tracking invoices and dates than native ERP systems, and particularly does a better job at logging notes and correspondence both with the customer and with internal team members.

Having it set to automatically reach out to past due customers, multiple times if necessary.

President and COO

I wish it had realtime updates and/or syncs with accounting system so that payments posted are reflected immediately.

account receivable specialist

What I liked most about Gaviti was how it streamlined the entire collections workflow in one place.

Bookkeeper

i cannot view what to pay b/c i only have a small section of the page to view it.  

Assistant Controller

That we were forced to use Bluesnap as our credit card processor and could not use the one we already had in place.

VP, Finance and HR

I only use it to pay vendor invoices, but I have no cons to speak of using it in that manner.

Overall, it helped improve efficiency, accountability, and consistency across the AR process

I can hardly see the bills with the way they are listed at the bottom.  

Accounts receivable Analyst

I also appreciate the customizable workflows—it feels like it’s really tailored to how I work. Plus, the ability to integrate with other tools we’re already using makes everything run more smoothly.

Collections Specialist

I know everyone else likes that invoices disappear after they are paid but I would like it if we could access paid invoices and previous notes for a history on the customer.

Staff Accountant

It does not match any other reports from other accounting software.

Accountant

Sometimes notifications go out to customers that should not.

It doesn't even show the entire line and then you have to scroll.

My main complaint with Gaviti is the lagging.  

AR Manager

Instead you have to look at the notes to see what the AR Rep is doing then under Activity to see the emails.

It creates and maintains an invoice history for every single invoice.

The main drawback for me was the initial setup and learning curve.

Easy to locate accounts, ability to review any and all notes from previous users to get a broader look at any prior or consistent issues.

It would save me time from having to look under two tabs to see the whole picture.

Accounts Receivable Analyst

This saves tons of time and reduces errors.

Credit Collections Analyst

Administrator

It also does not allow me to copy from fields.

I can quickly gather what collection efforts have been made on every invoice in the system.

I am using this because of one of our supplier's decision to use this.  

Collection Analyst

some clients systems send emails from Gaviti to SPAM; sometimes client's have issue accessing their accounts

Account Receivable

It is extremely slow during business times (I understand that the time is heavy on the server, but I feel as though it should function a bit better given the nature of gaviti)

Collections analyst

Automatically sends invoices and reminders.  

Accounts Receivable Representative

I like the reports that can be generated as well as being able to have the emailed to myself on a scheduled basis

Overall, Gaviti has fit in with my daily responsibilities.

It should interface with salesforce so we do not have to touch it.

Senior Accounts Receivable Specialist

Being able to send email from one co-worker to another is also another amazing feature!

The speed is just a bit of an issue when it takes 10 minutes to save one note.

I just love the number of things it can help me do faster to make work a lot easier and more efficiently.

Missing / conflicting account information.

I like that we can keep all our notes in one place instead of using spreadsheets

Invoicing Specialist and Accounts Receivable Support

Awesome way to keep notes on Accounts Receivables.

It took a little time to get fully comfortable with all the features, and I wished there was a bit more guidance or tutorials to speed up that learning curve.

Better now that we can notate and tag and flag multiple rather than having to do it individually

Regional Contract Administrator

I appreciate the communication viewable from the customer directly uploading from emails.

Adjustments of workflows to match customer base.

invoices disappearing after payment is kind of wonky.

Account Receivable Represenative

Ability for more users added slows speed down even further.

Cash Application Specialist

I would like it to have more filters to search for information.

Invoices

Payments

Performance and Speed

Email Reminders

Notes

Customer Support

Tracking and Reporting

Features

Account Access

Report Generation

Mid-size Business

Large Enterprises

Small Business

PayPal

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Venmo

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Stripe

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Upflow is an accounts receivables software that helps B2B companies improve their debt collection. 
It provides key metrics and schedules automated payment reminders. It integrates easily with accounting software (Quickbooks, Xero, Chargebee, Netsuite, etc.) and offers different payment options.

Gaviti vs Upflow Comparison (2026)

Gaviti

Upflow

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives