The Best 6 Accounts Receivable Solutions for SAP 4/HANA

SAP S/4HANA forms a strong foundation for enterprise financial operations. But to improve performance across receivable accounts, many businesses turn to specialized tools that offer deeper automation and better visibility into customer payment behaviors, dispute management, and cash flow forecasts.

The six solutions below offer seamless integration with SAP S/4HANA and support both standard and advanced processes—from automating payment reminders to tracking overdue invoices and optimising payment terms.

The Best Accounts Receivable Software for SAP/4HANA Users

SAP S/4HANA offers powerful core functionality—but many finance teams need more flexibility, automation, and visibility when it comes to accounts receivable. That’s where integrated AR solutions come in. The right tool doesn’t just streamline collections—it enhances your cash flow, reduces reliance on manual processes, and gives your team the data it needs to act with confidence.

Below, we’ve profiled six AR platforms that work seamlessly with SAP S/4HANA. Each offers proven integration, strong customer reviews, and features designed to support more efficient, insight-driven financial management.

1. Billtrust

Billtrust provides a comprehensive AR platform designed to streamline every step of the invoicing and payment process for SAP S/4HANA users. With an SAP-certified connector, implementation requires minimal IT effort. Finance teams can centralize billing, automate cash application, and optimize payment workflows—all while keeping customer interactions smooth. Billtrust consistently ranks as a G2 Leader in Accounts Receivable Automation and is recognized for its ease of use and strong support.

Key features:

• SAP-certified connector for S/4HANA & ECC—reduces custom IT setup
• AI-driven cash application for high straight-through matching
• Automated invoicing and email/SMS reminders
• Online payment portal supporting multiple methods
• Analytics dashboards for AR aging, DSO, and performance trends

G2 rating: 4.4*

2. Kolleno

Kolleno delivers an advanced AR ecosystem for SAP S/4HANA users. It automates dunning, customer outreach, payments, reconciliation, and reporting—all within a single platform. The official integration ensures real-time update of customer and payment data in S/4HANA. Finance teams benefit from AI-driven insights, task prioritization, and deeper visibility into cash flow performance.

Key features:

• Seamless SAP S/4HANA integration with payment portal and auto-reconciliation
• AI-powered prioritization to guide collector workflow
• Built-in communications (email/SMS) and dunning automation
• Custom dashboards tracking cash flow, aged receivables, and dispute cases
• Complete audit trail of payment events and customer interactions

3. Quadient AR (formerly YayPay)

Quadient AR enhances SAP S/4HANA with predictive and personalized accounts receivable automation. It adds machine-learning-driven collection orchestration, customer portals, and real-time cash forecasting. With 94% payment prediction accuracy and deep SAP integration, Quadient improves AR visibility and efficiency for mid-to-large enterprises.

Key features:

• Direct SAP S/4HANA integration with invoice sync and KPI tracking
• Machine learning predicts payment dates with ~94% accuracy
• Configurable collection workflows tailored by segment or spending history
• Self-service customer portal for invoice review and payments
• Dashboard view of cash flow, DSO trends, dispute status, and AR KPIs

4. Kapittx

Kapittx is an AI-powered receivables solution designed to reduce Days Sales Outstanding (DSO) by automating the entire AR process—invoice distribution, follow-ups, collections, dispute resolution, and reconciliation—within an SAP S/4HANA environment. It adapts to your unique business needs and provides real-time analytics that help improve cash flow and team efficiency. The integration ensures core transactional data flows smoothly between systems.

Key features:

• End-to-end automation of invoice-to-cash cycles
• AI-guided collaboration tools for collections and disputes
• Analytics dashboard for monitoring cash flow and DSO
• Seamless SAP S/4HANA integration—no manual export/import
• Reduced operational errors and write-offs

5. Peakflo

Peakflo offers both AR and AP automation, with a certified connector for SAP S/4HANA. It accelerates cash inflows through automated reminders, multi-payment options, customer self-service portals, and intelligent cash application. Finance teams typically report cutting DSO by 10–20 days and eliminating over 1,000 hours per month.

Key features:

• SAP S/4HANA connector for real-time data sync
• Multi-channel payment reminders and customer segmentation
• Customer portal with invoice visibility and payment options
• AI-assisted reconciliation and cash application
• Dashboards tracking man-hours saved, DSO, and performance metrics

6. BlackLine Invoice‑to‑Cash

BlackLine’s Invoice‑to‑Cash solution—powered by Rimilia—supercharges AR processes in SAP S/4HANA. It automates cash application, collections, disputes, e-invoicing, and credit risk monitoring. Certified by SAP Integration and Certification Center, it offers a robust, scalable architecture designed to improve close-to-cash cycles and increase accuracy.

Key features:

• SAP-certified integration for seamless data exchange
• AI-driven cash application and invoice matching
• Advanced collections management and dispute resolution
• E-invoicing, credit risk scoring, and audit-ready workflows
• Analytics dashboards for invoice-to-cash cycle monitoring

Key Features To Look For in a Debt Collection Solution

Choosing the right AR automation tool isn’t just about chasing late payments. It’s about strengthening your entire accounts receivable process, from invoicing and reconciliation to credit risk assessment and dispute management. The best platforms integrate seamlessly with SAP S/4HANA, eliminate manual work, and help finance teams improve accuracy, speed, and visibility across their financial operations.

Here are the key features to prioritize.

Seamless SAP S/4HANA integration

Your AR solution should connect directly with SAP, without middleware or custom builds. Look for tools that sync customer master data, invoice data, and payment history in real time. This ensures your business partner records and customer accounts are always up to date and audit-ready.

Automated workflows and payment reminders

Manual follow-ups waste time and lead to inconsistent results. A strong platform should enable automated invoice reminders, escalation workflows, and templated outreach that aligns with your payment terms. These automations help ensure more timely collections and reduce your outstanding invoices.

Cash application and reconciliation

The ability to automatically post incoming payments and match them to open invoices is critical. This reduces manual reconciliation and improves cash flow forecasts. Tools with built-in AI or robotic process automation can streamline this further, improving both accuracy and speed.

Dispute and credit management

Handling dispute management and credit limits within the AR system reduces back-and-forth across tools. Look for features that help your team resolve customer disputes, flag overdue payments, and assess customer creditworthiness based on real-time transaction and customer payment behavior.

Dashboards and reporting tools

Clear, accessible reporting enables better decision-making. Prioritize platforms that offer configurable dashboards for tracking accounts receivable KPIs, aging balances, overdue receivables, and customer-level risk. Visibility into this data allows teams to act early, manage credit risk, and reduce bad debt write-offs.

Why Kolleno Is the Leading Accounts Receivables Solution for SAP S/4HANA Users

Kolleno is purpose-built for finance teams that need control, visibility, and speed in their accounts receivable processes. Unlike generic platforms, it integrates directly with SAP S/4HANA, syncing critical data like customer master records, invoices, and payments in real time. That connection reduces friction and keeps your systems aligned without manual input.

What sets Kolleno apart is how it prioritizes work. The platform uses behavioural data to identify which accounts need attention and when. Collectors get clear next steps, not just task lists. Communication is handled in-platform, with every action recorded against the customer account.

Kolleno also gives finance leaders clarity. You can see where cash is tied up, where credit limits are being stretched, and which accounts are drifting into risk territory. The data isn’t buried—it’s structured to support action.

If your team is still working around the limitations of SAP’s native AR tools, Kolleno offers a direct path to faster decisions and fewer delays. It doesn’t just plug into your system. It strengthens it.

Final Thoughts

Managing accounts receivable inside SAP S/4HANA doesn’t have to involve workarounds or manual effort. The right solution integrates cleanly, reduces delays, and gives your team the tools to act early—whether that’s resolving disputes, accelerating customer payments, or managing credit risk.

Each tool we’ve covered supports receivables management in a different way. But for teams looking to simplify their workflow and get results fast, Kolleno offers the ideal solution. Ready to boost your cash flow and increase visibility? Book a demo of Kolleno to get started.