The Best Order-to-Cash (O2C) Software Platforms for 2026

The order-to-cash process should be a straight line. However, for most mid-market companies, it’s anything but. Orders sit in one system, invoices in another, and the finance team spends half its time chasing updates instead of managing risk or cash flow.

Modern O2C platforms are built to close those gaps. They connect orders, invoicing, collections, and cash application in one place so you can see every step from order raised to cash in the bank.

In this article, we’ll walk through the 5 top order-to-cash platforms for 2026—Kolleno, Esker, HighRadius, SAP Ariba, and Oracle Order Management Cloud—and highlight where each one is strongest.

The 5 Top O2C Platforms in 2026

The five platforms below lead the pack in 2026, helping finance teams bring control to the order-to-cash cycle and improve cash flow.

1. Kolleno – AI-powered order-to-cash for modern finance teams

Kolleno is an AI-driven accounts receivable and collections platform that brings credit control, collections, payments, and cash application into one unified order-to-cash hub. It connects to your ERP, accounting, and CRM systems so the finance team sees a single, real-time view of invoices, payments, and customer communications.

For businesses that want to improve cash flow and cut DSO without hiring more collectors, Kolleno gives you structured workflows, AI agents, and a branded customer payment experience.

Key features

• End-to-end AR and collections automation, from dunning workflows to task queues and dispute handling
• AI Agent and AI Copilot to automate cash application, match payments to invoices, and reduce manual data entry
• Branded customer payment portal with multiple payment methods, statements, and invoice access in one place
• Built-in credit risk management to automate credit checks and monitor portfolio risk in real time
• Native integrations with major ERPs and accounting tools (NetSuite, QuickBooks, MS Dynamics, Xero, Sage and more) for fast implementation and clean data flows

G2 rating: 4.9*

2. Esker – Unified order-to-cash and source-to-pay

Esker offers a broad automation platform that covers both order-to-cash and source-to-pay. Its O2C suite focuses on digitising customer orders, invoicing, collections, and cash allocation so finance and customer service teams spend less time on manual follow-up and more time on exceptions.

It’s a good fit for mid-market and larger organisations that want one platform to manage AR, credit and collections, and order management across multiple entities.

Key features

• Order-to-cash solution suite that accelerates cash collection and helps strengthen customer relationships
• AR automation for invoicing, collections, and cash application, including strong document management and OCR
• Integrated payment processing and cash-flow management tools to give visibility over incoming cash
• Connectors for ERP and accounting systems, helping remove data silos and reduce manual rekeying
• Analytics on collections performance and cash-flow trends to support finance decision-making

G2 rating: 4.3*

3. HighRadius – Autonomous order-to-cash for complex AR

HighRadius is positioned as an “Autonomous Finance” platform for the office of the CFO, with strong coverage of order-to-cash, treasury, and record-to-report. Its O2C capabilities span credit, e-invoicing, collections, cash application, and deduction management, aimed at organisations with high volumes and complex AR.

For mid-market companies with enterprise-grade complexity, it offers deep automation and predictive analytics, but typically with a longer implementation.

Key features

• AI-driven order-to-cash automation across credit, invoicing, collections, cash application, and deductions
• Autonomous cash application with high auto-match rates and exception management, reducing manual posting
• Cash-forecasting modules that use transaction data to improve working-capital visibility and accuracy
• Integrations with 50+ ERPs and finance systems, including SAP, Oracle, Workday, and Sage
• Advanced analytics for collections performance, dispute drivers, and O2C KPIs

G2 rating: 4.3*

4. SAP Ariba – Network-driven invoicing and payables in the O2C chain

SAP Ariba sits on the procurement and payables side of the broader order-to-cash value chain. It’s best known as a procure-to-pay and spend-management platform, but its invoice management, payment management, and supplier network capabilities are highly relevant for businesses that want tight control over the “cash out” side of the cycle.

Mid-market and enterprise organisations use Ariba to connect with suppliers, digitise invoicing, and automate approvals, which helps create a more predictable and auditable end-to-end flow of orders, invoices, and payments.

Key features

• Buying and invoicing modules that automate procure-to-pay workflows and reduce manual processing
• Digital invoice management over a global business network, improving visibility and early-payment discount capture
• Contract and spend-management tools to control supplier terms and monitor compliance
• Integrations with SAP and non-SAP ERP systems to centralise supplier, order, and invoice data
• Strong audit trails and compliance controls across sourcing, contracting, and invoice approvals

G2 rating: 4.1*

5. Oracle Order Management Cloud – Core order orchestration in the O2C flow

Oracle Order Management Cloud focuses on order capture, orchestration, and fulfilment. It’s designed to improve order execution across the order-to-cash process, with predefined integrations to other Oracle Cloud modules and external systems.

For organisations already invested in Oracle’s cloud stack, it provides a central hub for managing order flows, monitoring availability, and coordinating fulfilment decisions that directly affect revenue recognition and customer experience.

Key features

• Order-to-cash-oriented order management with rules-driven orchestration policies and workflows
• Global availability and fulfilment monitoring to improve promise dates and margin on each order
• Prebuilt integrations with other Oracle Cloud applications (inventory, manufacturing, logistics, finance)
• Support for complex order types, multi-channel selling, and EDI order capture
• Reporting and analytics on order status, fulfilment performance, and profitability drivers

G2 rating: 3.3*

Key features to look for in an O2C platform

The right order to cash software should give you control over the entire order to cash process. It needs to move orders, invoices, accounts receivable, and the cash process through one consistent cash process flow, not add more admin on top.

When you compare platforms, look for these features first:

• Strong integrations: Your O2C platform should integrate with the rest of your systems, such as your ERP, billing systems, CRM, and accounting software. That’s how you track key performance indicators like days sales outstanding (DSO), days sales outstanding DSO, days sales, and outstanding invoices accurately.
• Automation where cash moves: Look for automated systems that handle automated invoice generation, payment reminders, payment matching, and routing overdue accounts to the right owner.
• Robust credit and risk controls: A good platform should support real credit management. That means setting appropriate credit limits, monitoring credit limits against exposure, and tying this to live behaviour on each customer’s account. Done well, it keeps risky customers in check, supports healthier cash management, and gives finance leaders early warning before arrears pile up.
• Built-in dispute and exception handling: Your tool should capture customer disputes inside the O2C process, route them to the right owner, and track resolution so they don’t stall the whole flow. That supports continuous improvement in how you bill, ship, and collect.
• Customer-friendly payment experience: Portals and emails should show when a customer places an order, what’s due, and how to make a timely payment.
• Insight for finance and operations: Finally, make sure the system surfaces the link between the O2C flow and operational efficiency. Good tools show how the cash O2C process interacts with inventory management, credit, and cash management.

Final thoughts

Order-to-cash software turns a fragmented, error-prone chain of orders, invoices, and payments into a single, controlled flow that protects cash and keeps the business moving.

If you’re ready to implement an order-to-cash solution, look no further. Kolleno unifies credit control, collections, payments, and cash application in one place, then uses AI to remove the manual work that slows finance teams down. The result is a platform that shortens DSO, tightens risk control, and improves cash flow without increasing headcount.

While other tools offer breadth, few match Kolleno’s depth in AR automation, its clean integrations with major ERPs, or its ability to give customers a clear, frictionless way to pay.If you want an O2C platform that tightens your cash process and strengthens customer relationships at the same time, book a demo with Kolleno and see it in action.