Chaser vs Upflow vs Invoiced vs Gaviti: Comparing AR Automation Tools for Growing Finance Teams

Accounts receivable (AR) automation software replaces manual chasing with scheduled reminders, collections workflows, payment links and reporting. The goal is shorter days sales outstanding (DSO) and fewer hours spent on spreadsheets. These four tools target small and mid-sized finance teams, so the comparison below focuses on what matters at that scale: setup time, price and integrations.

Late payment is a legal as well as a cash problem in some markets. The EU's Late Payment Directive (2011/7/EU) sets default payment terms and compensation rules for commercial transactions, and any tool that collects card or bank payments should align with the PCI Security Standards Council requirements. We compared the tools using data from the SaaSPodium AR automation category and vendor documentation, including the official Upflow site.

Overview: what these four tools do

All four automate the follow-up that finance teams do by hand: sending reminders, tracking promises to pay, escalating overdue accounts and reporting on DSO. They differ in price point, depth of payment features and how much they assume you have an ERP.

Chaser positions itself on automated credit control and has the lowest listed starting price in this group. Upflow focuses on a modern, collaborative approach to B2B receivables, combining collections with payment options. Invoiced targets mid-market companies and combines AR automation with invoicing and customer-facing portals. Gaviti emphasizes collections automation for small and medium teams.

Each integrates with accounting systems, but the supported list differs, so confirm that your ledger and billing tools appear on the vendor integration page before committing.

Collections workflows and automation

Look for configurable reminder sequences, customer segmentation, escalation rules and shared inboxes. Chaser and Upflow emphasize automated, customizable follow-ups; Invoiced adds workflow depth for larger invoice volumes; Gaviti focuses on prioritizing accounts so collectors work the right invoices first.

What a strong workflow includes

• Multi-step reminders that adjust tone and channel by days overdue.
• Promise-to-pay tracking so collectors know what was committed and when.
• Dispute handling that routes issues to sales or operations without losing the invoice.
• Account-level prioritization based on balance, age and payment history.

Run a pilot using last quarter's overdue invoices. Measure how many reminders go out automatically, how many replies need human attention and how quickly disputes close. Tools differ most in these details, not in the feature checklist.

Payments, portals and cash application

Payment features separate the tools. Upflow and Invoiced emphasize ways for customers to pay online, Chaser concentrates on reminders and credit control, and Gaviti centers on collections intelligence. Confirm payment methods, fees and cash application support during your demo.

Faster payment depends on removing friction. A payment link in every reminder, a self-service portal for statements and saved payment methods all shorten the time to cash. Cash application, the matching of incoming payments to open invoices, saves further time but is often tied to higher plans or ERP integrations.

Because card and bank data are sensitive, ask how each vendor handles card storage and whether it relies on a certified payment processor. The PCI Security Standards Council link above explains the baseline requirements merchants and service providers must meet.

Pricing and ROI

SaaSPodium lists Chaser from $39, Upflow from $400 and Invoiced from $500, while Gaviti uses quote-based pricing. Prices are as of November 2026 and may vary by invoice volume, users and modules, so ask for a written quote based on your own numbers.

Judge cost against the working capital you free. Two numbers matter: the DSO reduction you can realistically achieve and the revenue that DSO applies to.

For example, a company with $12 million in annual revenue that cuts DSO by five days releases roughly $164,000 in cash one time (12,000,000 ÷ 365 × 5). Whether that justifies the subscription depends on your cost of capital and the staff hours recovered. Treat vendor benchmarks as marketing claims until you test them on your own data.

Integrations and implementation

Plan for a two-to-six-week rollout covering ERP sync, customer data cleanup, workflow design and collector training. Confirm integrations with your accounting system, CRM and email platform, and check whether the sync is two-way and how often it runs.

Poor customer contact data is the most common delay. Clean billing contacts first, then import open invoices, then switch reminders on in stages, starting with a friendly sequence for current accounts. For related finance automation, see how teams approach AP automation for mid-sized companies and our guide to cash flow management software, which pair naturally with AR tools.

Security, controls and reporting

Finance data is sensitive, so check role-based access, audit trails, single sign-on and data retention before you buy. Reporting should show DSO, aging buckets, collector activity and promise-to-pay accuracy so managers can coach the team and forecast cash with confidence.

Ask each vendor for its security documentation and whether independent audit reports are available under NDA. Confirm who can edit reminder templates, who can write off balances and how every change is logged. Good reporting then closes the loop: weekly aging trends, the share of invoices paid within terms and the top overdue customers give finance leaders a factual basis for credit decisions.

Pros and cons

Chaser is affordable and focused; Upflow is modern and collaborative; Invoiced offers broader invoicing and portal depth; Gaviti brings collections prioritization. The tradeoffs are narrower scope, higher entry price or quote-based pricing that makes early comparison harder.

• Chaser: low listed entry price and quick setup; fewer enterprise-grade controls.
• Upflow: collaborative and payment oriented; higher listed starting price.
• Invoiced: invoicing, automation and portals together; the highest listed starting price in this set.
• Gaviti: collections-first focus; pricing requires a sales conversation.

Who should choose which

Pick Chaser if you are a small team that wants reminders running this week, Upflow if you want collaboration and payments, Invoiced if you also need invoicing and portals, and Gaviti if prioritizing accounts is your biggest challenge. Enterprises should also review HighRadius and BlackLine AR.

Browse the full set, including Chaser, Upflow, Invoiced and Gaviti, plus enterprise options such as HighRadius and BlackLine AR. Then request demos with your own invoice data and compare results side by side.

Frequently Asked Questions

How much does AR automation software cost?
SaaSPodium lists Chaser from $39, Upflow from $400 and Invoiced from $500, with Gaviti quote based. Final pricing depends on invoice volume, users and modules, so request a written quote and confirm whether implementation or payment fees are extra.

How long does it take to implement an AR automation tool?
Most small and mid-sized teams need roughly two to six weeks, covering accounting integration, contact cleanup, reminder design and training. Start with a pilot group of customers, then expand once reminder tone and escalation rules perform well.

Will AR automation actually reduce DSO?
It often helps by making follow-up consistent and early, but results vary by customer mix and invoice quality. Set a baseline DSO, pilot with a subset of accounts and compare results after one or two billing cycles before extrapolating savings.