The 6 Best AI Debt Collection Software in 2025

Most finance teams didn’t sign up to become full-time debt collectors. Yet as accounts receivable processes get more complex, so do the demands on internal teams.

That’s where AI-powered collection software comes in.

These platforms offer a range of benefits. They help automate routine tasks that slow you down—like sending payment reminders or sorting through account data—while also providing advanced analytics to improve cash flow predictability. 

In this article, we’ll walk you through six software solutions that are transforming how businesses manage overdue payments and streamline their debt collection efforts.

The Best AI-Powered Collection Solutions

If you’re still relying on spreadsheets or manual follow-ups to chase payments, you’re leaving money on the table. Today’s leading AR platforms use artificial intelligence to streamline the entire collections process—from identifying at-risk accounts to triggering the right follow-up at the right time.

Below, we’ve rounded up six of the best AI-powered debt collection tools in 2025. Whether you’re a growing finance team or an enterprise AR leader, these platforms offer smart automation, predictive insights, and faster paths to cash.

1. Kolleno

Kolleno offers a unified AR and collections platform powered by AI. Its AI-powered system helps finance teams recover debts faster, with less manual effort. Rather than relying on rigid workflows or guesswork, Kolleno’s AI agent analyzes payment history, customer behaviour, and risk levels to prioritize follow-ups and suggest the next best action for each account.

Key Features:

• AI‑Powered Collections: Prioritizes high-risk accounts using behavioral insights & predictive analytics
• Cash‑Flow Forecasting: Compares estimated vs actual receipts, with historical data for forecasting
• Customer Portal: Self-service access for invoices and documentation
• Seamless Integrations: Real-time syncing across ERPs, CRMs, banks and finance systems
• Reporting & Tracking: Robust dashboards for DSO tracking, task management, variance analysis

G2 Rating: 4.9*

2. HighRadius Accounts Receivables

HighRadius delivers Autonomous Finance for CFOs. It automates order-to-cash using AI, machine learning, NLP, and RPA. It’s trusted by over 1,000 global companies (e.g., P&G, Unilever) to reduce manual work, cut DSO by an average of 10%, and improve cash application by 90%

Key Features:

• Credit Management: AI-led credit limits, history tracking, integration with major rating agencies (Experian, D&B)
• Invoice Matching & Cash Application: Automates remittance matching, exception handling with >90% accuracy
• Collections Prioritisation: Segments late payments (30/60/90 days), delivers personalized messaging (email, SMS)
• Advanced Analytics & Reporting: Identifies at-risk customers, monitors KPIs like collections effectiveness
• Workflow & ERP Integration: Seamless workflows (reconciliation, approvals) and plug-and-play integration with SAP, Oracle, QuickBooks, etc.

G2 Rating: 4.3*

3. Gaviti

Gaviti specializes in invoice-to-cash automation. It boosts AR efficiency by reducing late payments—some customers report a 50% drop within six months. The platform enhances cash flow and fosters better customer relationships through transparent, automated AR workflows.

Key Features:

• Collections & Credit: AI tools manage payment cycles, credit limits/history, and automate late-payment outreach
• Incomplete Payment Handling: Identifies and tracks partial payments; supports bulk invoice delivery
• Insights & Analytics: Benchmarks DSO by region and company size; dashboards track AR performance
• Scaling & Compliance: Designed for high-volume use, with compliance control features
• ERP/Accounting Integration: Syncs with major systems; supports approvals, reconciliation workflows, reporting modules

G2 Rating: 4.4*

4. Tesorio

Tesorio offers an AI-powered cash flow performance platform that automates collections, billing, and cash application. It consolidates data, predicts payments, and boosts AR efficiency. Users report strong ROI: recovered cash within six months and streamlined workflows that free staff for higher-value tasks.

Key Features:

• AI-Driven Collections Forecasting: Predicts payment timing and prioritizes outreach based on historical behaviour
• Intelligent Campaign Automation: Automates dunning emails, task lists, and follow-up workflows
• Cash Flow Insights: Real-time dashboards track collections performance, aging buckets, and at-risk invoices
• Customer Payment Portal: Allows customers to view, manage, and pay outstanding invoices directly
• ERP and CRM Integration: Connects with major systems like NetSuite, QuickBooks, and Salesforce for seamless data syncing

G2 Rating: 4.7*

5. Esker

Esker is an enterprise-grade order‑to‑cash automation platform with strong AI support for AR. It automates invoicing, payments, credit management, and collection tasks—ideal for large organisations, especially those on NetSuite.

Key Features:

• AI-Powered Workflow Automation: Uses OCR and NLP to automate data extraction, invoice validation, and exception handling.
• Predictive Collections Management: Forecasts payment delays and recommends next best actions using Esker Synergy AI.
• E-Invoicing & Digital Delivery: Sends invoices across multiple formats and channels, with tracking and confirmation.
• Performance Analytics Dashboards: Provides AR leaders with real-time insights into DSO, dispute reasons, and agent productivity.
• Deep ERP Integration: Designed to work seamlessly with platforms like NetSuite, SAP, and Microsoft Dynamics.

G2 Rating: 4.3*

6. InDebted

InDebted is a digital debt collection agency powered by ML. It offers a customer-first, omnichannel experience aimed at boosting recovery while maintaining positive customer relationships. InDebted optimizes outreach by preference and boosts automation through AI decisioning.

Key Features:

• Machine Learning Decision Engine: Tailors messaging cadence, tone, and channel to maximize recovery outcomes.
• Omnichannel Communication: Reaches customers via SMS, email, phone, WhatsApp, and web chat.
• Customer-Centric Design: Prioritizes respectful, personalized outreach to preserve brand reputation.
• Global Compliance Standards: Built to meet ISO 27001, GDPR, PCI DSS, and other regulatory requirements.
• Real-Time Performance Monitoring: Tracks engagement rates, collections success, and operational KPIs in one dashboard.

G2 Rating: 4*

Why Kolleno Is the Best AI-Powered Collection Software

When it comes to automating the debt recovery process, few platforms offer the same balance of power, precision, and usability as Kolleno. Built specifically for finance teams, Kolleno uses artificial intelligence to optimize every stage of your collections workflow—without adding complexity.

Unlike traditional debt collection software, Kolleno doesn’t just send out payment reminders. It prioritizes accounts based on risk, tracks payment behaviours, and automates the entire follow-up process. That means fewer overdue invoices, reduced manual effort, and faster access to the cash already owed to you.

Kolleno also integrates seamlessly with existing accounting systems, CRMs, and payment platforms. Its real-time analytics dashboards offer deep insights into DSO, outstanding debts, and collection performance—giving finance leaders the visibility they need to make faster, better-informed decisions.

If you’re looking for the right debt collection software to enhance operational efficiency, recover debts quicker, and simplify accounts receivable processes, Kolleno stands out as the best debt collection software in 2025.

How Does AI Speed Up Collections?

AI reshapes the debt collection process by doing what humans can’t—analyzing thousands of data points in seconds, spotting payment patterns, and automating actions at scale. Instead of chasing every overdue invoice the same way, finance teams can focus their collection efforts where they’ll have the biggest impact. Here’s how it works:

Prioritizes the Right Accounts

AI reviews payment history, customer behaviour, and account data to flag which accounts are most likely to delay or default. This helps teams recover outstanding debts more efficiently by focusing on high-risk cases first.

Automates Routine Tasks

From sending payment reminders to escalating overdue accounts, AI handles the repetitive tasks that typically slow teams down. This frees up staff to focus on exceptions, not chasing routine payments.

Enhances Cash Flow Predictability

AI-powered software provides real-time analytics on overdue payments, helping finance leaders better forecast cash flow. Instead of relying on static reports, teams get dynamic insights that reflect current customer activity.

Optimizes Collection Strategies

By learning from past outcomes, AI continuously improves its approach—suggesting the best time, tone, and channel to contact each customer. This leads to faster recoveries and fewer broken promises.

Integrates with Existing Systems

Modern collection software connects directly with your existing financial systems and accounting platforms, pulling in real-time data and reducing manual effort across your accounts receivable processes.

Final Thoughts

AI is no longer a future-facing feature—it’s the backbone of efficient debt collection. The right debt collection software transforms your collections operations, helping you prioritize accounts, recover debts, and maintain healthy cash flow.

If your team is still relying on manual processes or juggling disconnected tools, now’s the time to upgrade. Kolleno offers the best debt collection software for finance teams that want to work smarter, not harder.

Ready to see how it works? Book a demo with Kolleno and discover how AI can transform your collections process.