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Top Rated Accounts Receivable Software with Online Payments in 2026

Verified reviewer profile picture
Verified reviewer profile picture

All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: April 2026

Online payments simplify the process of receiving payments, offering customers multiple ways to pay invoices securely. This reduces manual effort, speeds up collections, and helps manage cash flow effectively. Our reviewers in accounts receivable software rated this feature as important.

5 Best Accounts Receivable Software with Online Payments

Product
User rating
Starting price
FreshBooks logo
4.5
(4.5K)
21
flat rate/per month
Melio logo
4.2
(401)
25
per user/per month
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month
QuickBooks Enterprise logo
4.5
(20.6K)
2210
flat rate/per year
Xero logo
4.4
(3.2K)
25
flat rate/per month

See other top Accounts Receivable products with online payments

How we picked the 5 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the Accounts Receivable software category. They also needed to have sufficient reviews about online payments, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for up to three products based on our proprietary ratings and reviews: Highest rated, Highly rated for online payments, and Highly rated for free version. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 5 best products

FreshBooks logo
Reviews Sentiment
 
 
 
1-2(82)
3-4(1,768)
5(2,656)
Key Features
Accounting4.5
General Ledger4.4

User insights about the online payments feature

Reviewers highlight FreshBooks' online payments as quick, easy, and versatile, allowing clients to pay directly through invoices or links. They appreciate the integration with Stripe and the ability to accept various payment methods. However, some users mention issues with financial institution compatibility and delays in fund transfers.

See related user reviews

“This is the best part of the system. We can send invoices via email, or send a link, or add in a checkout portal. It's easy for my clients to make immediate payments to get started. ”
RM

Rachel M.

CEO

“Online payments in FreshBooks are again easy and liable to records on the platforms. Clients can pay through links or invoices in numerous ways and methods, which is in fact, another feature for FreshBooks, the variety of payment methods. ”
MC

Mohamed C.

Lecturer

Starting price
21flat rate /
per month
Pros and Cons based on 4,506 verified reviews

Cloud accounting accessibility

Efficient invoicing capabilities

Tailored for small businesses

Minimal learning curve

Effective freelancer tools

Reliance on internet connection

Limited bank integration

High costs for larger teams

Frequent technical issues

See pros and cons details
Melio logo
Reviews Sentiment
 
 
 
1-2(61)
3-4(77)
5(263)
Key Features
Accounting4.0
General Ledger2.2

User insights about the online payments feature

Users find Melio's online payments feature easy to use, secure, and efficient for sending and receiving payments. They appreciate the integration with QuickBooks and the ability to set up automatic ACH payments. However, some reviewers report slow processing times and poor customer support, particularly for international payments.
Verified reviewer profile picture

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“We have a few vendors with large bills that we use online payments for and Melio takes all the hassle about getting payments to them quickly and easily with no delay.”
AP

Amy P.

Accounting Manager

“I love that Melio can process customer payments online for me with a simple shareable link!”
Verified reviewer profile picture

Ginger B.

Court reporter

Starting price
25per user /
per month
Pros and Cons based on 401 verified reviews
Verified reviewer profile picture

Efficient integration workflow

Seamless accounting integration

Intuitive user interface

Unreliable email support

Issues with money transfers

Inconsistent customer service

See pros and cons details
QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(456)
3-4(3,151)
5(4,778)
Key Features
Accounting4.5
General Ledger4.4

User insights about the online payments feature

Reviewers indicate that QuickBooks Online's online payments are convenient, secure, and integrate well with other payment portals. They appreciate the ability to accept credit/debit cards and ACH payments directly from invoices. Some users report high fees and challenges with setup, but overall, they find it time-saving and efficient.

See related user reviews

“This is another very important aspect to Quickbooks because it helped our clients to be able to easily make payments and helped us to stay organized with those payments. Clients are more likely to make payments on time if it's an easy process.”
CD

Christina D.

Secretary

“I really like this feature it makes online payments very convenient and done in one place. Bank reconciliations during month end are also easier done because transaction are connected to Quickbooks.”
KS

Kit S.

Resulter

Starting price
38flat rate /
per month
Pros and Cons based on 8,385 verified reviews

Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details
QuickBooks Enterprise logo
Reviews Sentiment
 
 
 
1-2(352)
3-4(7,713)
5(12,545)
Key Features
Accounting4.6
General Ledger4.5

User insights about the online payments feature

Reviewers appreciate QuickBooks Enterprise's online payments for their speed, ease of use, and multiple payment options, including credit cards and ACH transactions. They report that it saves time and eliminates the need to visit the bank. However, some users have experienced issues with the merchant service and integration with banks, affecting payment processing.
Verified reviewer profile picture

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“Online payments is a quick and easy way for me to deposit and receive payment in seconds. Anything you would like to purchase on quickbooks has no hidden fees and ready to use when you need it ”
Verified reviewer profile picture

Erika C.

CNA

“I like that I can can accept electronic payments via credit cards and also ACH transactions from invoice or email.”
AA

Adam A.

IT Technician

Starting price
2210flat rate /
per year
Pros and Cons based on 20,610 verified reviews
Verified reviewer profile picture

Comprehensive expense tracking

Ideal for small businesses

Effective financial management

Streamlined bookkeeping

Efficient tax management

Frequent issue resolution challenges

Slow performance speed

Disruptive software updates

High cost concerns

Unreliable customer service

See pros and cons details
Xero logo
Reviews Sentiment
 
 
 
1-2(159)
3-4(1,155)
5(1,955)
Key Features
Accounting4.6
General Ledger4.4

User insights about the online payments feature

Users report that Xero's online payments are easy to use, flexible, and integrate well with various payment methods like PayPal and Stripe. They appreciate the convenience of paying directly from invoices and the time saved on manual reconciliation. Some reviewers mention occasional allocation issues, but overall, they find it user-friendly and efficient.

See related user reviews

“ Xero allows customers to make payments online via credit card, PayPal, or other methods, making it easier for customers to pay quickly and securely.”
DN

Debbie N.

Manager

“Taking online payments through payment processor integration is very easy. I have already integrated my payment gateway and my clients view the invoice and pay them on one screen.”
AA

Abhishek A.

CEO

Starting price
25flat rate /
per month
Pros and Cons based on 3,269 verified reviews

Cloud accounting accessibility

Customizable dashboard

Effective bookkeeping tools

Accessible learning resources

User-friendly interface

Slow issue resolution

Poor customer support

Limited inventory management

Lack of live support

Underdeveloped mobile access

See pros and cons details

Other Top Rated Accounts Receivable Software with Online Payments in 2026

QuickBooks Enterprise logo
Category Leaders

Enterprise accounting, FSM and inventory management solution

QuickBooks Desktop Enterprise is an accounting software for small businesses which provides users with real-time access to customer, employee, and vendor information. The software includes tools for managing inventory, shipping, sales orders, pricing, tasks, invoicing, reporting, and more.

Read more about QuickBooks Enterprise

Users also considered
QuickBooks Online logo

Accounting and business management software

QuickBooks Online automatically updates the Accounts Receivable accounts in your chart of accounts as soon as you write an invoice or receive a payment from a client.

Read more about QuickBooks Online

Users also considered
FreshBooks logo
Category Leaders

Invoice and accounting software tailored to small businesses

FreshBooks helps you collect payments from your customers by creating, sending and tracking invoices, sending payment reminders and accepting card payments.

Read more about FreshBooks

Users also considered
Xero logo
Category Leaders

Cloud-based accounting software for small businesses

Use Xero to send custom invoices, track invoices, set up recurring invoices, add instant online payment links in invoices for payment via PayPal or credit card.

Read more about Xero

Users also considered
NetSuite logo

AI-powered cloud-based business management suite

Automate invoice delivery, payment processing, and collections management with NetSuite’s AI-powered cloud accounting software. Automatically post order transactions to general and AR ledgers, with accurate tax calculations on each invoice, for rapid, precise tax processing and billing.

Read more about NetSuite

Users also considered
QuickBooks Online Advanced logo

Accounting & business management for small businesses

Streamline accounts receivable with automated invoicing, payment tracking, and real-time reporting for optimized cash flow management.

Read more about QuickBooks Online Advanced

Users also considered
BQE CORE Suite logo
Category Leaders

Cloud-based firm management tool for A&E firms.

BQE CORE is a cloud-based software designed specifically for architecture and engineering firms. The platform integrates accounting, invoicing, project management, and resource planning features that streamline operations across entire organizations. BQE CORE enables firms to track time and expenses, manage projects profitably, and access real-time financial data through a centralized system that eliminates the need for multiple software solutions.

Read more about BQE CORE Suite

Users also considered
Avaza logo

All-in-one, client-focused project management for teams.

Access multi-currency expense tracking, budgeting and billing all in one app with Avaza. Available in the cloud, from any device.

Read more about Avaza

Users also considered
Patriot Accounting logo
Category Leaders

Cloud-based accounting and payroll software

Patriot Accounting is an online accounting solution that allows businesses to track and manage transactions, import bank transactions, reconcile accounts, send estimates & invoices & more.

Read more about Patriot Accounting

Users also considered
Zoho Books logo
Category Leaders

Online accounting software for businesses of all sizes

Zoho Books is an online accounting software designed to streamline back office operations, automate workflows, and allow secure collaboration with accountants

Read more about Zoho Books

Users also considered
Holded logo
Category Leaders

ERP, Accounting, Invoicing & more for freelancers and SMBs.

It's a cloud-based invoicing software for freelancers, SMBs and accountant offices to control all aspects of their business and optimise their management.

Read more about Holded

Users also considered
Sage Intacct logo

Best-in-class Cloud ERP for Finance

Sage Intacct accounts receivable helps companies increase cash flow by automating invoicing, collection processes and reporting.

Read more about Sage Intacct

Users also considered
Synder logo

Reconcile multichannel sales & recognize revenue with ease.

Synder helps SME and MidSize up sync, record and recognize online sales and subscriptions in QuickBooks, Sage Intacct or Xero. The platform ensures accurate reconciliation across multiple platforms and offers easy invoicing, transaction categorization and instant data analytics.

Read more about Synder

Users also considered
Spendesk logo

Smart, trackable spending at work. From Approvals to Zen.

Spendesk is the smart way to manage your business spending. Flexible payments, approvals, expenses, invoices and accounting — all together for the first time.

Read more about Spendesk

Users also considered
BILL Accounts Payable & Receivable logo

BILL, a leader in financial automation software for SMBs

Get paid up to 3X faster with Bill.com's magically simple accounts receivable solution. Bill.com sends automated invoices and reminders to your customers.

Read more about BILL Accounts Payable & Receivable

Users also considered
PaySimple logo

Payments today. Partners for Tomorrow.

PaySimple is the leading payments management solution for service-based businesses, powering the cashflow of over 20,000 companies nationwide.

Read more about PaySimple

Users also considered
vcita logo

Appointment scheduling and reminder solution

vcita is an all-in-one business management app designed with small businesses in mind, helping teams manage clients, schedule, billing and administration. The platform includes a CRM to manage client records, online scheduling to book appointments and manage team calendars, billing and invoicing tools, and a client portal for customers to book, pay, and communicate with the business.

Read more about vcita

Users also considered
Online Check Writer logo

Software for managing payments and accounting operations

OnlineCheckWriter.com is check printing software and a B2B payment platform with 30+ business payment tools. Pay and get paid with checks, eChecks, ACH, wires, international payments, and credit cards. Connects with QuickBooks, Xero, and more.

Read more about Online Check Writer

Users also considered
Sage Accounting logo

Accounting software for small businesses

Sage Accounting is an accounting system for small business owners. It has features to help users forecast their cashflow, send and track invoices and act on real-time reporting. Users can manage their business from anywhere, at any time, from the cloud and with mobile functionality. Sage Accounting application is available for iOS and Android.

Read more about Sage Accounting

Users also considered
Invoice Ninja logo

More than Invoicing. Powerful Apps to Run Your Business!

Create. Send. Get Paid.

Invoice Ninja is the leading small-business platform to invoice, accept payments, track expenses & time tasks. Designed for freelancers and small to medium size businesses, Invoice Ninja is a suite of apps to help you get paid.

Read more about Invoice Ninja

Users also considered
Invoicely logo

Free Online Invoice Software for Small Businesses

invoiceky enables freelancers and small businesses to create, send and manage an unlimited number of simple and professional looking invoices.

Read more about Invoicely

Users also considered
Melio logo

Accounts payable platform for businesses of all sizes

Melio simplifies AP/AR for businesses of all sizes, enabling you to pay vendors both domestically and internationally via bank transfer or card—even if cards aren’t accepted. Easily sync with QuickBooks and Xero, automate scheduling, and configure approval workflows.

Read more about Melio

Users also considered
Invoice2go logo
Category Leaders

Create & send professional invoices across every device

Invoice2go is the all-in-one tool that helps you run your small business. Manage customer relationships, send invoices, accept payments, improve cash flow, create an online presence, and so much more. Start your free trial today!

Read more about Invoice2go

Users also considered
authorize.net logo

Payment processing across multiple channels

authorize.net supports payment processing by helping businesses accept credit card and eCheck payments online, in person, via mobile devices, and more. The product offers a range of features, including online payments, mobile point of sale, virtual point of sale, phone payments, eCheck payments, digital invoicing, and fraud protection. It provides account updater and recurring payments capabilities to help businesses manage payments.

Read more about authorize.net

Users also considered
TPS Cloud Axis logo

Practice management software designed for accountants

TPS Cloud Axis offers a full suite of practice management functions from time and billing, through WIP and AR as well as complete workflow and employee scheduling.

Read more about TPS Cloud Axis

Users also considered

Key features for Accounts Receivable software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Accounting: Reviewers appreciate robust accounting features for accurate financial tracking, customizable reports, automated processes, and easy integration with various financial data sources. 97% of reviewers rated this feature as important or highly important.
  • General Ledger: Users highlight the general ledger's comprehensive tracking, ease of creating and reviewing entries, and its role in accurate financial reporting and reconciliation. 94% of reviewers rated this feature as important or highly important.
  • Invoice Processing: Reviewers value the ease of creating, managing, and automating invoices, as well as the ability to integrate with other systems for efficient billing and payment tracking. 94% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users mention customizable templates, automated reminders, and seamless tracking of payments as key benefits for managing customer billing and invoicing efficiently. 94% of reviewers rated this feature as important or highly important.
  • Bank Reconciliation: Reviewers highlight automated bank reconciliation, the ability to identify discrepancies, and real-time transaction matching as essential for maintaining accurate financial records. 93% of reviewers rated this feature as important or highly important.
  • Expense Tracking: Users appreciate the ability to categorize and track expenses, integrate with bank accounts, and attach receipts, which ensures accurate financial management and easy reporting. 91% of reviewers rated this feature as important or highly important.