The Best Collection Software: Comparing Highradius vs. Gaviti vs. Kolleno

Collection software should help you get paid faster and manage risk more effectively. But not all platforms are built with finance teams in mind.

Some tools are bloated with features you don’t need. Others fall short when it comes to automation, reporting, or usability.

In this article, we compare three leading options—HighRadius, Gaviti, and Kolleno—to help you find the right fit for your team. If you’re rethinking your approach to accounts receivable, this is a good place to start.

What to Look for in Modern Collection Software

Before comparing platforms, it’s worth stepping back. What do modern finance teams actually need from their collection software? It’s not just about chasing payments—it’s about reducing friction, gaining better insight, and supporting your broader financial operations.

Here are the capabilities that matter most when evaluating your next solution.

• Automation That Works Without Supervision: Look for software that doesn’t just send reminders, but intelligently handles follow-ups, tracks status, and escalates when needed—without constant input from your team.
• Reliable ERP Integration: Your collection platform should sync with your existing ERP systems to avoid duplicate data, lost context, or extra reconciliation work.
• Real-Time Visibility Into Cash Flow: Waiting for weekly reports isn’t good enough. You need live dashboards that show what’s owed, what’s coming in, and where the bottlenecks are.
• Strong Security and Compliance: With sensitive financial data flowing between systems, built-in security is non-negotiable. Look for encryption, role-based access, and audit readiness.
• Smart Cash Application: Automating cash application helps reduce manual matching, eliminate errors, and close the books faster—with less frustration at month-end.
• User Experience That Doesn’t Slow You Down: A clean, intuitive interface matters more than feature bloat. Your team should be able to log in and act—without a 3-week onboarding process.
• Actionable Reporting and Forecasting: It’s not just about collecting what’s owed. The right software should help you improve cash flow forecasting, reduce risk, and support faster, smarter decisions.

Comparing HighRadius, Gaviti, and Kolleno

Each of these tools solves a version of the same problem: how to help finance teams collect cash faster and manage receivables more efficiently. But their approaches—and the teams they suit—are very different.

Let’s take a closer look at what each platform offers.

HighRadius

HighRadius is a heavyweight platform built for large enterprises with complex needs. It offers a wide suite of products spanning cash application, collections, deductions, and credit management. While the platform is powerful, it’s also heavy to implement and often requires significant IT involvement to maintain and customize.

For businesses that already run on large-scale ERP systems and need detailed configuration, HighRadius delivers deep automation and strong analytics—but it’s not designed for speed or simplicity.

Key Features:

• AI-powered cash application 
• Automated dunning workflows with custom rules and triggers
• Integrated credit scoring and customer risk profiling
• Native integrations with SAP, Oracle, and other enterprise platforms
• Advanced reporting and dashboards for global finance teams

Best For: HighRadius is best for enterprise finance teams operating across multiple geographies, business units, or ERPs. It suits businesses with the resources to support a complex implementation—and the patience to wait for ROI over the long term.

Gaviti

Gaviti is a mid-market collections platform focused on helping finance teams improve follow-ups and reduce manual tasks in the accounts receivable process. It offers workflow automation, email sequencing, and payment tracking—all within a clean, user-friendly interface.

Unlike enterprise platforms, Gaviti doesn’t aim to overhaul your entire AR function. Instead, it gives teams a faster way to get organized, automate reminders, and track customer responses—all without relying on IT.

It’s a solid option for companies looking to bring structure to their cash collection efforts without the overhead of a full-scale implementation.

Key Features:

• Customisable follow-up workflows with email sequencing
• Centralized customer communication history
• Dashboard views to monitor outstanding invoices and follow-up status
• Simple, low-friction onboarding and implementation
• Basic reporting tools for tracking team activity and response rates

Best For: Gaviti is best for small to mid-sized finance teams that need help automating communications and improving internal coordination. It works well for companies that don’t need deep cash application tools or advanced forecasting—but want to move beyond spreadsheets and email chains.

Kolleno

Kolleno is an all-in-one collections platform built for modern finance teams. It combines AI-powered automation, clean design, and real-time data into a single tool that’s powerful, fast to implement, and easy to use. Unlike platforms that focus on just one part of the AR process, Kolleno covers everything from follow-ups to reconciliation—without the complexity of an enterprise system.

It’s designed specifically for finance professionals, not developers or IT teams. That means intuitive dashboards, seamless ERP integration, and workflows that work straight out of the box. Whether you’re managing a growing portfolio or chasing faster cash flow, Kolleno gives you visibility, structure, and control.

Key Features:

• End-to-end accounts receivable automation, including smart reminders and escalation flows
• AI-powered cash application tools to match payments to invoices automatically
• Real-time dashboards showing cash status, response rates, and high-risk accounts
• Predictive insights to support cash flow forecasting and risk reduction
• Bank-grade security and audit-friendly controls
• Fast setup with native integration into common ERP systems

Best For: Kolleno is best for finance teams that want powerful automation without a painful rollout. It’s ideal for both large enterprises and growing teams. Basically, any team that needs structure and visibility but doesn’t want to spend months on configuration. If you’re looking for smarter AR management that supports your day-to-day work and long-term strategy, Kolleno is the standout choice.

Why Top Teams Are Choosing Kolleno

Gaviti helps with follow-ups. HighRadius offers deep customization for large enterprises. But Kolleno stands out for one simple reason: it strikes the right balance.

It gives finance teams the automation capabilities they need—without the overhead they don’t. You get structured workflows, smart cash application, and clear visibility into cash flow. Everything connects cleanly with your ERP systems, and implementation doesn’t take months.

Kolleno doesn’t just automate tasks—it improves your entire accounts receivable process. From reducing manual work to improving data accuracy, it’s designed to support real teams doing real work. You don’t need IT to get started. You don’t need a change management project to roll it out.

And while other platforms specialize in one area—collections, credit risk, or reconciliation—Kolleno brings it all together in a single, user-friendly platform that scales as your business grows.

For finance teams that want to move faster, respond to issues sooner, and take control of their financial operations, it’s the smart choice.

Final Thoughts

The right collection software depends on your team’s size, structure, and goals. HighRadius works for large enterprises with complex systems. Gaviti suits smaller teams focused on improving follow-ups.

But if you want end-to-end automation, faster implementation, and tools your finance team will actually use—Kolleno offers the best of both worlds.

It’s built for clarity, speed, and control. And it’s helping more teams modernise their AR management without slowing down their day-to-day work.Want to see how Kolleno could work for your team? Book a demo today.