The Best Debt Collection Software Compatible With SAP Business One

Unpaid invoices don’t just strain cash flow—they choke it. And when you’re managing accounts receivable processes through SAP Business One, collections can still fall through the cracks. That’s where integrated debt collection software comes in. 

The right tools will have a transformative impact on your finance function, automating reminders, driving timely payments, reducing manual tasks, and giving your team full control over the collections process.

In this guide, we’ve reviewed the best debt collection software that works with SAP Business One, helping you get paid faster and improve cash flow.

Why SAP Business One Users Need Integrated Collections Tools

Growing businesses live or die by their cash flow. When invoices go unpaid, or payments drift into the bad debt category, managers spend precious time chasing unpaid invoices instead of serving customers. SAP Business One automates many accounting and inventory tasks, but accounts receivable teams still struggle with manual processes such as updating spreadsheets, matching payments, sending reminders, and logging calls. These reactive activities can delay cash collection and hide real-time insights into outstanding invoices.

Modern receivable processes are increasingly automated. Instead of handling manual data entry or piecemeal payment reports, advanced software integrates with the ERP, recognizes patterns in payment behaviors and triggers automated invoice reminders. Self-service payment portals let customers manage their outstanding payments without contacting finance teams. When combined with AI and machine learning, these tools forecast payment dates, improve cash flow management, and free staff to handle complex disputes rather than pushing paper.

Below we explore the leading accounts receivable automation platforms that integrate with SAP Business One. Each tool offers slightly different strengths, from sophisticated credit management engines to real-time analytics, but all aim to improve cash flow, reduce human error, and eliminate manual reconciliation. 

The 5 Best Debt Collection Software Compatible With SAP Business One

The following solutions are well-known in the receivables space and have proven integrations with SAP Business One. For each tool we outline a brief description, key features and the latest G2 rating (with links to their review pages). 

1. Kolleno

Kolleno is a specialist accounts receivable automation platform built to help finance professionals reduce manual tasks and get paid faster. It integrates with ERP systems such as SAP Business One and NetSuite, plus payment processors like GoCardless and Adyen.

Kolleno uses AI and machine learning to prioritize high-risk accounts, automate payment reminders and reconcile payments without manual intervention. The platform combines email, SMS and phone call workflows so collectors can manage every outstanding invoice from a single dashboard. The company emphasizes a customer-centric approach with clear communication and multiple payment methods.

Key features:

• AI-driven collection workflows – The software analyzes payment trends to prioritize outreach and sends automated invoice reminders at optimal times. Wave goodbye to manually chasing unpaid invoices. It also predicts when customers will pay and provides detailed cash flow forecasting.
• Task management and customer portal – Collectors use built-in workflow tools to schedule follow-ups. Clients can log into a self-service payment portal to pay outstanding invoices, view statements, and choose from multiple payment options.
• Automated payment matching – Kolleno automatically matches payments against invoices, reducing manual data entry and payment discrepancies. Real-time analytics give finance professionals visibility over cash application and help track payment history.
• Integrations and security – The platform integrates with SAP Business One, NetSuite, QuickBooks and other accounting systems. It also connects to payment gateways for card, ACH and bank transfers, and provides role-based access controls for secure data handling.

G2 rating: 4.9*

2. HighRadius

HighRadius offers an enterprise-grade collections management solution built on an AI-enabled platform. The software plugs directly into SAP systems and is designed for global, multi-entity organizations that manage hundreds of thousands of accounts.

HighRadius automatically segments customers by risk, recommends optimal outreach strategies and uses machine-learning algorithms to predict payment dates. For companies using SAP Business One, the platform synchronizes invoice data and payment statuses to provide real-time visibility and centralize collection efforts.

Key features:

• AI-powered risk scoring – The system identifies high-risk customers and suggests tailored strategies to reduce bad debt. Predictive models estimate when payments will arrive so teams can improve cash flow and adjust cash flow forecasting.
• Seamless SAP integration – HighRadius offers pre-built connectors for SAP Business One and other ERP systems, enabling cash application processes to be automated and eliminating duplicate data entry. It supports complex, multi-currency and multi-entity environments.
• Automated collections workflows – Users can set up templated dunning campaigns, schedule calls, and track collections process tasks across departments. The system can also handle invoice disputes and link them back to the ERP.

G2 rating: 4.3*

3. Payference

Payference is a cloud-based AR automation tool that emphasizes real-time cash management and forecasting. The platform integrates with SAP Business One, NetSuite and other accounting systems, as shown by the sign-up form where SAP Business One appears as an integration option.

Payference aims to accelerate collections by combining automated payment matching, AI-driven risk scoring and a self-service customer portal. The company is recognized as a G2 High Performer, though its overall rating is slightly lower than some competitors.

Key features:

• Self-service portal – Customers can view invoices, pay online using credit cards, ACH or other multiple payment methods, and download statements. This reduces the need for manual outreach and improves customer relationships.
• AI/ML for payment prediction – Payference uses machine learning to forecast when payments will arrive and flags high-risk accounts so collectors can focus on high-value tasks.
• Automated cash application – The platform matches remittances to invoices and posts them back to SAP Business One, eliminating manual reconciliation. Users also benefit from configurable invoice templates, automated reminders and a consolidated dashboard that displays payment history and payment trends.
• Real-time analytics – Payference offers dashboards for financial operations, collections performance and cash flow forecasting, giving finance teams instant real-time visibility into financial records.

G2 rating: 4.8*

4. Billtrust

Billtrust is a veteran player in the B2B order-to-cash space. The company offers a comprehensive suite for invoice delivery, payment processing, cash application and credit management. Billtrust’s integrated cloud platform helps organizations automate invoice presentation across email, EDI and customer portals, accept payments through multiple channels and apply cash intelligently to open invoices.

Its Business Payments Network (BPN) enables touchless interactions with buyers’ accounts payable portals, helping suppliers get paid faster while reducing operational costs.

Key features:

• Multi-channel invoice delivery – Billtrust distributes invoices via email, paper mail and AP portals around the world, using integrated addresses and remittance details to ensure timely payments.
• Secure payment acceptance – The platform supports ACH, credit cards, wires and EFTs through a single interface, with fraud-prevention controls and configurable approval workflows. It also offers a customer portal where buyers can view and pay invoices.
• Intelligent cash application – Billtrust’s Cash Application module gathers remittance data from over 175 AP channels and automatically applies payments to invoices, reducing manual posting and speeding up cash collection.
• AI-based credit management – The software uses machine learning to predict credit risk, expedite credit approvals and proactively adjust credit limits, helping companies maintain financial health.

G2 rating: 4.4*

5. Esker

Esker is a global automation provider known for its flexible credit-to-cash platform. The software can automate one or all areas of the receivable cycle, including credit management, invoice delivery, collections, payment and cash application processes.

Esker integrates with any ERP system and synchronizes invoices and payment statuses back to SAP Business One, ensuring end-to-end visibility. The platform supports multi-language, multi-currency and multi-site environments, making it suitable for international organizations.

Key features:

• Flexible automation – Companies can start with a single module, such as invoice delivery or automated reminders, and gradually automate more of the collections process.
• Centralized dashboards – Real-time dashboards provide KPIs on overdue invoices, outstanding payments, payment discrepancies and team workload, giving finance leaders insight into financial health and efficiency.
• Global capabilities – Esker’s platform supports multiple currencies and languages, ensures compliance with local regulations and connects teams across geographies.
• ERP integration – Once a customer invoice is validated in SAP Business One, Esker securely transmits it to customers and synchronizes the payment status and AR files back into the ERP.

G2 rating: 4.3*

Why Kolleno Is the Top Choice

The five solutions above all streamline receivable processes in different ways, but Kolleno stands apart for mid-market businesses looking for a modern, user-friendly platform. Several factors make Kolleno the most compelling option.

Customer-centric design

Unlike legacy systems that feel built for the finance department, Kolleno prioritizes the end customer experience. Its self-service portal allows buyers to view invoices, choose from multiple payment methods and pay at their convenience, reducing friction and improving customer relationships. Integrated communications via email, SMS and phone keep clients informed without bombarding them with duplicate messages.

AI-powered workflows to improve cash flow

Kolleno’s machine-learning engine predicts which invoices are most likely to become overdue and recommends the best times to send payment reminders. This proactive approach helps teams reduce days sales outstanding, ensure timely payments, and smooth out cash flow. The AI also matches payments to invoices automatically, minimising human error and saving countless hours of reconciliation.

Ease of integration and flexibility

Kolleno offers pre-built connectors for SAP Business One and other accounting software, so implementation is quick and does not require heavy IT support. Finance teams can start with automated collections and gradually adopt advanced features such as credit management insights and cash flow forecasting as they grow.

Transparent analytics

Real-time dashboards show collectors exactly how much cash is coming in, which customers are at risk, and what tasks need attention. These insights empower finance professionals to make data-driven decisions and allocate resources effectively.

While HighRadius and Billtrust cater to very large enterprises and Esker offers broad functionality, Kolleno provides the right balance of advanced automation and usability for organizations running SAP Business One. Its higher G2 rating reflects customers’ satisfaction with the platform’s intuitive interface and responsive support.

Final Thoughts

Managing receivables within SAP Business One doesn’t have to involve repetitive tasks, manual data entry or guesswork. The debt collection software listed above offer powerful ways to automate reminders, streamline cash application, and gain real-time visibility into financial records.

For companies that need a modern, user-friendly solution that integrates quickly with SAP Business One, Kolleno is the top choice. Its AI-powered workflows, customer-centric design and superior user ratings enable finance professionals to focus on strategic work while ensuring timely payments and healthy cash flow.

If you’re looking to streamline collections and make life easier for your finance team, Kolleno is the best option. Book a demo today to get started.