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Top Rated Accounts Receivable Software with Free

Last updated: October 2026

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75 software options

Upflow logo

Get paid faster. Build better customer relationships.

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Upflow is an accounts receivables software that helps B2B companies improve their cash 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.

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Melio logo

Accounts payable platform for businesses of all sizes

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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.

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PayPal Invoicing logo

Free online invoice creation and sending

PayPal Invoicing is a free solution for creating and sending online invoices within a PayPal Business account. The tool allows users to create custom-branded invoice templates, populate billing details, track payments, view billing histories, schedule invoices, accept partial payments, and more.

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Square Point of Sale logo

iPad & Android point of sale (POS) system

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

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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.

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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.

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Mercury logo

Banking for startups and growing companies

Mercury helps businesses manage accounts receivable by sending invoices, collecting payments, and tracking outstanding balances in one place, with clear visibility into incoming cash.

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Nickel logo

Stop getting nickel-and-dimed, get Nickel and done.

The only payments processor built for industry, ACH transactions are always free, and card processing rates are competitive (2.9%). Nickel automatically syncs with your QuickBooks, mails checks on your behalf, can generate unique payment links tied to invoices, and so much more.

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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.

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Pipefy logo

Cloud-based no-code workflow automation for enterprises

Gain full visibility and stop losing money. Simpler and more organized than email and spreadsheets, Pipefy will keep your due dates on track.

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Anchor logo

Streamlines billing for effortless payments

Anchor is an autonomous billing platform that automates the entire process of getting paid by clients from end to end. The system streamlines proposals, invoicing, payment collection, and reconciliation through pre-approved payment methods and no-touch invoicing. Businesses can manage client relationships with adjustable agreements while the platform automatically syncs with QuickBooks Online for streamlined financial record-keeping.

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Metaprise logo

Global Leader in AI-Powered AR/AP Solutions

AI-driven AR/AP solutions that help businesses optimize cash flow, automate tasks, and manage global transactions.

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Qonto logo

The finance solution that energizes SMEs and freelancers.

Qonto is the leading European business finance solution with over 450,000 customers.
The company makes day-to-day banking easier for SMEs and freelancers by offering an online business account combined with finance tools, such as invoicing, bookkeeping, and spend management.

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Approveit logo

Automate approval workflows across your entire company!

Approveit automates approval workflows right in Slack or Email. Integrations with XERO, QuickBooks, Freshbooks, Jira, and over 3000 apps through Zapier help to avoid routine manual tasks. Submit and approve requests anytime, in one place!

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ZipBooks logo

Accounting and online invoicing software

ZipBooks is a cloud-based accounting software that caters to the bookkeeping and accounting needs of small to medium-sized businesses and bookkeeping firms. The solution offers core accounting, financial reporting, online invoicing, expense tracking, credit card processing, and more.

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ReliaBills logo

We Help Businesses Get Paid.

Automate and electronically send invoices and track payments. Unlimited customers, invoices and email... all for Free! Upgrade to Plus to accept payments.

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Fiskl logo

Multi-currency global accounting software for small business

Trusted by over 170,000 SMEs globally, Fiskl is the award-winning fintech solution for easily managing business finances via mobile, with AI-powered multi-currency accounting, extensive payment integrations, multi-language invoicing, automated reporting, and country-specific tax compliance.

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Altoviz logo

Boost your business

Altoviz is a cloud-based billing and invoicing solution, which helps small to large businesses manage online payments, expenses, accounting procedures, and more. The platform offers various features such as activity tracking, treasury, pre-made templates, document management, and quoting.

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Open logo

Banking and financial operations management platform

Open is a cloud-based software designed to help startups and small to midsize enterprises manage payments, virtual accounts, cash, invoices, taxes, expenses, and more via a unified portal. The platform includes payroll management functionality, which enables businesses to track employees’ attendance and leaves, create payslips, and analyze reports for reference.

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Cheqbook logo

Smart Online Accounting

Cheqbook is fast and easy to pick up for business owners while having the pro features that accountants and bookkeepers need. We can save business owners two weeks a year through our patent pending import and smart categorization.

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CaseManager logo

Customizable contact center solution for excellence

A customizable contact center solution that streamlines operations by enabling team creation, case segmentation, custom fields, field read/write access, automated workflows, flexible document generation, reporting, and enhanced customer engagements, available on-premise or in the cloud.

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Carol logo

Debt collection and accounts receivables solution

Carol is an automated accounts receivable platform that helps businesses follow up and collect overdue and unpaid invoices. The solution lets stakeholders automate the entire debt collection process, from sending escalating reminders to managing disputes, counter-offers, and payment plans.

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Dokapi logo

Cloud-based & AI-driven document processing platform

IxorDocs is a cloud-based, AI-driven platform for automated financial document processing, known for its OCR technology and efficiency in handling various document types.

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Forwardly logo

AI-powered payments built for modern businesses and firms

Forwardly is an AI-native business payments platform that automates bill pay, receivables, and cash flow management. Send and receive instant payments, sync across accounting tools, and gain real-time financial visibility with no monthly fees.

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Horsebills logo

Bookkeeping solution for equine industries

Cloud-based bookkeeping software for equine industries that streamlines billing and payments between horse vendors and owners

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