Top 7 Accounts Receivable Automation Software Solutions for Microsoft Dynamics 365 Business Central in 2026

Sarah is the controller at a $40M manufacturing company running Microsoft Dynamics 365 Business Central. Every Monday morning, she opens a spreadsheet with 127 open invoices, sorts by due date, and starts making calls. Her DSO is 52 days. Three customers owe a combined $380,000 past 60 days. Her team spends 15 hours a week on manual collections: copying invoice numbers from BC, pasting them into email templates, tracking who responded, and logging notes back into the ERP. Most of her customers still pay by check because there is no online customer payment portal. When the CFO asks for a real time view of expected cash inflows, Sarah pulls a report from BC, exports it to Excel, and manually adjusts for the invoices she knows are disputed.

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This scenario is common among mid market companies using D365 BC. The ERP handles invoicing and basic aging reports, but it was never designed to automate the collections workflow or give customers digital payment options. The result is a growing gap between the ar process your finance team needs and the tools BC provides natively. That gap is where accounts receivable automation software fits in: purpose built platforms that connect to BC and handle everything from automated dunning to cash application to customer self service payments.

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This guide compares the top 7 accounts receivable management software solutions that integrate with Dynamics 365 Business Central, with a focus on what each platform actually does for finance teams running BC as their core ERP. We evaluate integration depth, collections management capabilities, payment processing features, and total value for small businesses and mid market organizations.

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47%

of AP teams say manual data entry is their biggest bottleneck (IOFM)

23 days

average invoice processing cycle without automation (Ardent Partners)

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Why Dynamics 365 Business Central Needs Third Party AR Automation

Dynamics 365 Business Central is a capable ERP for financial management, inventory, purchasing, and general ledger operations. But its native AR capabilities stop short of what modern finance teams need to manage the collection process efficiently. Understanding these gaps helps clarify why third party receivable automation software is not a luxury but a necessity for companies that want to get paid faster.

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What BC Does Natively (and Does Well)

D365 BC handles invoice creation, posting, and basic AR aging reports. You can generate invoices from sales orders, post them to the general ledger, and run aging schedules by customer. It supports multiple currencies, dimensions for cost allocation, and basic reminder letters (called "reminders" and "finance charge memos" in BC terminology). For companies with a small customer base and simple payment terms, these native tools may suffice.

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What Is Missing from Native BC

The gaps become obvious as your customer count grows past a few dozen active accounts. BC does not offer automated collections workflows with escalation logic. There is no customer payment portal where buyers can view invoices, make payments by ACH or credit card, or set up autopay. Cash application is entirely manual: your team opens the bank statement, matches payments to invoices one at a time, and posts the application in BC. There is no AI matching, no remittance parsing, and no automatic handling of short payments or deductions. The reminder letter feature is static and does not support multi step dunning campaigns, conditional logic, or customer segmentation. And reporting is limited to standard aging buckets with no predictive analytics for bad debt risk or payment behavior trends.

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What to Look for in AR Automation Software for D365 BC

Not every automation solution connects to Dynamics 365 Business Central the same way. Some offer deep, bidirectional integrations. Others provide basic data imports that require manual reconciliation. Here are the capabilities that matter most when evaluating best accounts receivable software for your BC environment.

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Integration Depth with D365 BC

The most important factor is how the platform connects to Business Central. Look for native API integration (not just flat file imports), bidirectional data sync so that payment applications post back to BC automatically, and GL posting that flows through without manual journal entries. The integration should pull customer master data, invoice details, payment terms, and aging data from BC, and push back cash application results, payment receipts, and customer activity logs. Ask whether the vendor has a published connector on Microsoft AppSource or maintains a direct API integration with the BC platform.

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Collections Automation and Dunning Workflows

Effective collections workflow automation goes beyond sending reminder emails. Look for multi step dunning sequences that escalate from friendly reminders to formal notices based on days past due, invoice amount, and customer payment history. The platform should support conditional logic (skip the reminder if a payment was received yesterday), customer segmentation (different workflows for your top 20 accounts versus everyone else), and task assignment for your AR team when an invoice requires personal follow up. This is the core of accounts receivable collections software: turning a manual, reactive process into a systematic, proactive one.

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Customer Payment Portal

A self service portal where customers can view open invoices, download statements, make payments by ACH, credit card, or wire, and set up autopay schedules. This is the single most effective way to reduce DSO because it removes the friction that causes customers to delay payment. Many customer payment delays are not about willingness to pay; they are about the inconvenience of cutting a check, mailing it, and waiting for it to clear. A portal with multiple payment options eliminates that friction entirely.

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Cash Application and Reconciliation

AI powered cash application matches incoming payments to open invoices automatically, even when remittance data is incomplete or the payment amount does not match exactly. Look for the ability to handle partial payments, overpayments, deductions, and cross invoice applications. The best platforms parse remittance advice from multiple formats (email, EDI, lockbox) and apply payments in BC without manual intervention, cutting the order to cash cycle by days.

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 The biggest mistake companies make when evaluating AR automation for D365 BC is choosing a platform with a generic ERP connector instead of a purpose built Business Central integration. A shallow integration creates more manual work than it eliminates.

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Top 7 Accounts Receivable Automation Software Solutions for D365 BC

Each of these platforms approaches accounts receivable automation differently. We evaluate them based on D365 BC integration quality, collections capabilities, payment portal features, cash application functionality, and overall fit for mid market companies.

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1. Centime

Centime is an all in one accounts receivable automation and cash management platform built by the team that created MineralTree (a leading AP automation provider). The platform combines collections management, customer payment portals, cash application, and cash flow forecasting in a single platform that integrates with D365 BC, NetSuite, Sage Intacct, and QuickBooks. Centime holds a 4.9 out of 5 rating on G2, reflecting strong customer satisfaction across its user base.

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Key Features for D365 BC Users:

AI Powered Collections Campaigns: Automated dunning sequences with multi step escalation rules. Configure campaigns by customer segment, invoice age, amount threshold, and payment history. The system sends reminders, follows up, and escalates to your AR team only when personal intervention is needed.
Customer Payment Portal: Branded self service portal where customers view invoices, download statements, and pay by ACH, credit card, or wire. Supports surcharge management for credit card payments so you can pass processing fees to customers who choose card payment.
Invoice Delivery Automation: Send invoices via email, portal, or PDF with automatic delivery confirmation and tracking. Supports batch invoice and payment processing for high volume AR operations.
Cash Application with AI Matching: Automatically matches incoming payments to open invoices using AI. Handles partial payments, overpayments, and deductions. Posts cash application results back to D365 BC without manual journal entries.
AR Aging Reports and DSO Tracking: Real time dashboards showing aging by customer, by segment, and by collector. Track DSO trends over time and identify at risk accounts before they become bad debt.
Collections Workflows with Escalation Rules: Assign tasks, set escalation triggers, and track collector performance. The collection process becomes measurable and manageable instead of ad hoc.
D365 BC Integration: Bidirectional sync with Business Central for customer data, invoices, payments, and GL posting. Centime already integrates with D365 for AP automation (confirmed on their integrations page), and the AR module uses the same connector infrastructure.
AR ROI Calculator: Available on the Centime website to help finance teams quantify the cost of manual AR processes and project savings from automation.

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What sets Centime apart is the combination of AR automation with cash flow forecasting in a single platform. Most AR tools tell you what is overdue. Centime also tells you when cash is expected to arrive based on customer payment patterns, giving controllers like Sarah a forward looking view of cash inflows that updates automatically as invoices are paid or become overdue.

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Learn more about Centime's AR capabilities: Centime Accounts Receivable Automation

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See Centime in action

Our innovative AR, AP and business banking solutions are powerful alone, and even better together.

Schedule a tailored demo with a Centime expert.

Book a demo

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2. Versapay

Versapay focuses on collaborative AR, emphasizing the relationship between buyers and sellers in the collection process. Their platform includes a customer portal for invoice and payment management, automated reminders, and cash application with AI matching. Versapay generates approximately 21,700 in monthly organic traffic, largely driven by educational AR content rather than product pages, which speaks to their content authority in this space.

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Versapay supports integration with multiple ERPs including Dynamics 365. Their collaborative approach lets customers communicate directly through the portal about disputes or questions, reducing back and forth emails. The platform is well suited for B2B companies with complex customer relationships where invoice and payment conversations happen frequently. However, Versapay's pricing tends to be higher than some alternatives, and some users report that the initial setup and ERP integration can take longer than expected.

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3. HighRadius

HighRadius is an enterprise grade accounts receivable automation platform with deep capabilities across the entire order to cash cycle. Their suite includes credit management, electronic invoicing, collections automation, cash application, and deductions management. HighRadius uses AI extensively across all modules, including predictive payment date modeling and intelligent task prioritization for collectors.

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For D365 BC users, HighRadius offers strong functionality but may be more than mid market companies need. The platform is designed for enterprise organizations processing tens of thousands of invoices monthly. Implementation timelines are typically longer (3 to 6 months), and the total cost of ownership reflects the enterprise positioning. If your company processes fewer than 5,000 invoices per month, HighRadius may be overkill for your finance teams. That said, for larger organizations running BC as part of a broader Microsoft ecosystem, HighRadius delivers comprehensive automation solution capabilities.

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4. Billtrust

Billtrust (now part of EVC) offers a complete order to cash platform that covers invoice delivery, online payments, cash application, and credit management. Their AI powered cash application engine is one of the most established in the market, with high match rates even for complex B2B payment scenarios involving deductions and short pays.

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Billtrust integrates with multiple ERPs and has experience with Dynamics environments. Their Business Payments Network (BPN) connects buyers and suppliers for electronic invoice and payment exchange, which can accelerate the ar process by eliminating paper invoices entirely. For mid market D365 BC users, Billtrust's strength lies in payment processing and cash application. Their collections module is solid but not as customizable as some alternatives when it comes to multi step dunning campaigns and customer segmentation.

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5. Quadient (formerly YayPay)

Quadient AR Automation (formerly YayPay) focuses specifically on collections management and automated collections workflows. The platform uses predictive analytics to prioritize collection efforts, showing AR teams which invoices are most likely to become delinquent and which customers need proactive outreach. This data driven approach to the collection process helps finance teams focus their time on the accounts that matter most.

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Quadient integrates with several ERPs including Dynamics 365. Their collections workflows are highly configurable, supporting conditional logic, customer grouping, and multi channel outreach (email, phone task assignment, letter generation). For companies where reducing DSO and preventing bad debt are the primary objectives, Quadient delivers strong results. The platform is lighter on payment processing features compared to Centime or Billtrust, so companies needing a full customer payment portal with ACH and card processing may need to evaluate whether Quadient covers all their needs.

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6. Tesorio

Tesorio combines accounts receivable automation with cash flow forecasting, making it one of the few platforms (alongside Centime) that bridges AR operations and treasury visibility. Their collections module includes automated dunning, customer segmentation, and performance tracking. The cash forecasting component uses payment pattern data from your AR to predict future cash inflows, giving CFOs a more accurate picture of liquidity.

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Tesorio supports Dynamics 365 and other major ERPs. The platform is popular with finance teams that want both operational AR automation and strategic cash visibility in one tool. Their forecasting accuracy improves over time as the AI learns your customers' payment behaviors. For D365 BC users who value the intersection of collections workflow automation and cash forecasting, Tesorio is worth evaluating. However, their customer payment portal capabilities are less developed than Centime's or Versapay's, and the platform is positioned more toward the upper mid market and enterprise segments.

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See Centime in action

Our innovative AR, AP and business banking solutions are powerful alone, and even better together.

Schedule a tailored demo with a Centime expert.

Book a demo

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7. Invoiced

Invoiced focuses on making the invoicing and payment experience as smooth as possible for both AR teams and their customers. The platform handles invoice delivery, online payments, automated collections reminders, and basic cash application. Invoiced is designed with small businesses and mid market companies in mind, offering a straightforward setup process and competitive pricing.

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Invoiced integrates with multiple ERPs and accounting platforms. Their Smart Chasing feature automates payment reminders based on configurable rules, and their payment portal supports ACH, credit card, and wire payments. For D365 BC users looking for a lighter automation solution that covers invoicing, payments, and basic collections without the complexity of an enterprise platform, Invoiced is a practical option. The trade off is less depth in cash application AI and collections management compared to platforms like Centime, HighRadius, or Quadient.

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AR Automation Solutions for D365 BC: Feature Comparison

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Feature Centime Versapay HighRadius Billtrust Quadient Tesorio Invoiced D365 BC Integration Native API, bidirectional API connector Enterprise API API connector API connector API connector API connector Collections Automation AI campaigns, escalation Collaborative AR AI prioritization Standard workflows Predictive analytics AI dunning Smart Chasing Payment Portal Full (ACH, card, wire) Collaborative portal Enterprise portal BPN network Basic portal Limited Full portal Cash Application AI matching AI matching AI (enterprise) AI (industry leading) Basic Pattern based Basic Credit Card Surcharging Yes No No Yes No No Yes Cash Flow Forecasting Built in No No No Predictive AR only Built in No Best For Mid market on D365 BC Collaborative B2B Enterprise (10K+ invoices) Order to cash Collections focused AR + treasury SMB invoicing G2 Rating 4.9/5 4.4/5 4.3/5 4.1/5 4.3/5 4.7/5 4.5/5

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How to Evaluate AR Automation for Your D365 BC Environment

Choosing the best accounts receivable software for your D365 BC instance requires more than reading feature lists. Here is how to structure your evaluation so you select a platform that actually delivers value for your finance teams.

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Questions to Ask During a Demo

When you see a demo of accounts receivable collections software, focus on these areas to separate marketing claims from actual capabilities:

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D365 BC integration: Is the integration native or through a middleware layer? How often does data sync? Does payment application post back to BC automatically or require manual journal entries?
Collections workflows: Can I create different dunning sequences for different customer segments? What conditional logic is available (e.g., skip a reminder if payment was received)? How are escalations handled?
Payment portal: What payment methods are supported? Can I pass credit card surcharges to customers? Is the portal branded with our company identity? Can customers set up autopay?
Cash application: What is the automatic match rate for your existing customers in this industry? How does the system handle partial payments and deductions? What remittance formats are supported?
Reporting and analytics: Can I track DSO by customer segment? Are there collector performance dashboards? Can I see predicted payment dates for open invoices?
Implementation: What is the typical timeline for D365 BC customers? Who handles the integration setup? What is the training process for our AR team?

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Implementation Timeline Expectations

For mid market companies running D365 BC, expect these general timelines for receivable automation software implementation:

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Weeks 1 to 2: D365 BC connector setup, customer data sync, and invoice import. Most platforms can have your data flowing within the first two weeks.
Weeks 3 to 4: Collections workflow configuration, dunning template creation, and customer segmentation rules. This is where you define how your automated collections will work.
Weeks 4 to 6: Payment portal setup, branding, and payment processing configuration (ACH, card, wire). Testing with a small group of customers before full rollout.
Weeks 6 to 8: Full go live, team training, and initial cash application tuning. The AI matching engine improves over the first 30 to 60 days as it learns your customer payment patterns.

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Enterprise platforms like HighRadius may take 3 to 6 months. Lighter platforms like Invoiced may be operational in 2 to 3 weeks. Centime, Versapay, and Quadient typically fall in the 4 to 8 week range for D365 BC implementations.

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See Centime in action

Our innovative AR, AP and business banking solutions are powerful alone, and even better together.

Schedule a tailored demo with a Centime expert.

Book a demo

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Top 7 Accounts Receivable Automation Software Solutions for Microsoft Dynamics 365 Business Central in 2026

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