Kolleno Payments
Managing receivables inside SAP is critical, but it’s only half the job. Without the right tools to automate the debt collection process, businesses risk rising bad debt, late payments, and strained customer relationships.
The best debt collection software does more than send payment reminders. It integrates directly with your SAP system, reduces manual tasks, and uses real-time analytics and machine learning to improve recovery rates. These platforms also enhance your credit and collections processes, enabling teams to act faster and smarter, without disrupting existing systems.
In this article, we highlight the top software solutions in 2025 that combine AI-driven automation, AR automation, and seamless integration with SAP S/4HANA to help you manage cash flow and reclaim control over your outstanding invoices.
The Top Debt Collection Software Compatible with SAP S/4HANA in 2025
Managing receivables inside SAP S/4HANA is only half the battle. Without the right collections tools, finance teams face delays, missed follow-ups, and revenue left on the table. The best debt collection software connects directly to SAP, giving you full visibility and control over your collections process, without adding more admin.
Below are the top tools in 2025 that integrate seamlessly with SAP S/4HANA.
1. Kolleno
Kolleno offers full AR automation with a smart, SAP-compatible, AI-powered collections engine. Built for modern finance teams, it helps you track, chase, and collect overdue payments—automatically. With its SAP S/4HANA integration, Kolleno keeps customer records, invoice statuses, and payment communication fully in sync.
The platform uses intelligent workflows to prioritize outreach, flag disputes, and surface accounts that need attention. Whether you’re managing hundreds or thousands of invoices, Kolleno helps you speed up recovery and reduce manual work.
Key features:
- Native SAP S/4HANA integration with real-time data sync
- AI-powered prioritisation and automated follow-ups
- Dispute detection and tracking
- Multi-channel communication (email, SMS, calls)
- Full audit trail of collection activity
G2 rating: 4.9*
2. Gaviti
Gaviti is a collaborative AR and collections platform that integrates directly with SAP environments via certified connectors. It centralizes the entire collections workflow, from invoice tracking to dispute resolution, while keeping key data aligned with SAP S/4HANA.
The platform uses smart prioritisation logic to segment customers, optimize follow-up strategies, and ensure collections efforts are timely and effective. It also includes a customer-facing portal for faster approvals and cleaner communication.
Key features:
- SAP integration for invoice and payment sync
- Centralized collections dashboard with task automation
- Smart account prioritisation based on risk and age
- Built-in customer portal for dispute resolution and updates
- Reporting tools for team performance and recovery metrics
G2 rating: 4.4*
3. Esker
Esker offers a powerful collections and AR automation platform with certified integration for SAP S/4HANA. Its solution embeds directly into your ERP, letting teams manage collections without toggling between systems.
With AI-driven workflows, Esker helps finance teams prioritize high-risk accounts, send personalized outreach, and automate dispute follow-up. Its real-time dashboards make it easy to track open receivables, escalation status, and collector productivity—all within a SAP-compliant framework.
Key features:
- SAP-certified S/4HANA integration
- Intelligent collections workflows and dispute tracking
- Automated reminders and communication history
- Real-time reporting across accounts, teams, and regions
- Built-in compliance and audit-ready logging
G2 rating: 4.3*
4. SAP S/4HANA Collections & Dispute Management (Standard Module)
SAP’s built-in Collections & Dispute Management module offers a robust set of features natively embedded in the S/4HANA platform. It centralizes receivables, automates dunning processes, and allows teams to track dispute cases in the same interface they use for credit and payments.
This module is ideal for businesses that want to keep everything within the SAP ecosystem without relying on third-party integrations. It’s especially effective for organisations with mature internal credit control and collections teams.
Key features:
- Native to SAP S/4HANA (no external integration needed)
- Automated dunning and escalation workflows
- Dispute case tracking linked to invoice and payment records
- Seamless connection to SAP’s credit management and billing systems
- Strong control for audit and compliance teams
G2 rating: 4.5*
5. Tesorio
Tesorio is a cash flow and collections platform with deep ERP integrations, including SAP S/4HANA. Designed to help finance teams act proactively, Tesorio uses AI to forecast cash collections, automate outreach, and manage dispute resolution workflows from a single dashboard.
Its integration ensures customer and invoice data is always aligned with your ERP, reducing friction and enabling faster cash recovery without losing visibility into context or payment behaviour.
Key features:
- SAP S/4HANA connector for clean data sync
- Predictive collections based on payment history and behaviour
- Automated follow-ups and dispute flagging
- Custom templates and messaging rules
- Built-in analytics for team performance and cash forecasting
G2 rating: 4.7*
What to Look for in a Debt Collection Software
Not all debt collection software is built for SAP environments or for the complexities of modern receivables management. If you’re looking to enhance your credit and collections processes in 2025, it’s critical to choose a tool that fits your stack, scales with your team, and supports intelligent automation.
Here’s what to prioritize when evaluating a solution.
Seamless Integration with SAP S/4HANA
Choose software with certified or proven integration options for SAP S/4HANA. A seamless integration ensures your collections workflows align with core business processes, without relying on workarounds or duplicate systems.
Look for tools that sync customer payments, outstanding invoices, dispute statuses, and contact history directly into your SAP ERP or SAP ECC environment.
AI-Driven Automation and Smart Workflows
Manual follow-ups and rule-based chasing only go so far. The best tools now use machine learning to prioritize accounts, trigger custom automated workflows, and adapt to payment behaviours over time.
This reduces effort on manual tasks, helps resolve overdue accounts more quickly, and supports informed decision making—especially in high-volume environments.
Real-Time Analytics and Business Intelligence
You need more than a list of overdue items—you need insights. Look for tools with real-time analytics dashboards that show collector performance, payment trends, dispute reasons, and customer risk levels.
Strong business intelligence capabilities help teams identify bottlenecks and generate reports that support forecasting and strategic planning.
Automated Cash Application
A solid collections platform should also support automated cash application. Matching incoming payments to outstanding invoices reduces delay and improves accuracy, while freeing teams from tedious reconciliations.
Integrated cash application also improves the visibility of cleared balances across finance, credit, and collections teams.
Data Security and Compliance
Collections involve sensitive customer data, financial records, and communications. Choose a platform that meets enterprise-grade data security standards and supports audit trails, role-based access, and regulatory compliance across regions.
Why Kolleno Is the Best Debt Collection Software Compatible with SAP S/4HANA
Kolleno combines intelligent automation with deep SAP integration, making it the leading choice for modern finance teams looking to improve receivables management. Designed specifically for businesses that use SAP S/4HANA, Kolleno helps you streamline every part of the debt collection process—from initial outreach to final resolution, without disrupting your existing systems.
Its seamless integration with SAP means all your customer payments, outstanding invoices, and collection activities are automatically synced in real time. That eliminates manual data entry, keeps your records accurate, and gives your team full visibility into what’s been paid, what’s overdue, and what needs attention.
What sets Kolleno apart is its use of AI-driven automation and machine learning to optimize follow-ups. The platform learns from payment behaviours, prioritizes high-risk overdue accounts, and tailors payment reminders based on what’s most likely to drive results. That reduces your days sales outstanding while freeing up your team to focus on high-value work.
Kolleno also offers robust real-time analytics and business intelligence tools. You can track collector performance, spot problem accounts early, and generate reports to guide your strategy. All this is wrapped in a clean, modern user experience designed to boost productivity and make adoption frictionless.
If your goal is to cut bad debt, increase recoveries, and improve how your team handles debt management inside SAP—Kolleno is the tool to beat.
Final Thoughts
The pressure on finance teams to accelerate collections, reduce risk, and maintain strong customer relationships has never been higher. If you’re running SAP S/4HANA, the right debt collection software can transform your approach, from manual chasing and delayed insights to intelligent automation and real-time control.
Each tool we’ve covered offers value, but platforms like Kolleno stand out for their ability to blend AI-driven automation, deep SAP integration, and powerful analytics into a single solution. That means fewer manual tasks, faster access to customer payments, and smarter, data-led decisions—without disrupting your core business processes.
As you look to optimize your receivables management in 2025, choose a platform that fits your workflows, supports your growth, and strengthens every part of your credit and collections processes. Ready to see how Kolleno works for yourself? Book a demo today.
