Best outsourced accounts receivable services for small businesses (2026)

The best outsourced accounts receivable option for a small business depends on one question: do you want a person to manage, a team that runs the work for you, or software your own team runs? This list covers 13 real options for US small and mid-sized businesses in 2026, grouped by model: outsourcing firms, remote staff and virtual assistant firms, done-for-you managed services, a finance-expert marketplace, and AR software.

Dull publishes this list. We've included ourselves, and we've tried to describe everyone fairly, including when another option is a better fit. Nobody paid to be included, and there are no rankings or scores.

How we chose

• They serve US small and mid-sized businesses and describe AR, billing or collections work on their own website.
• Their service is publicly documented. Every description below comes from the provider's own website, read on November 12, 2026, and links to it.
• We only list prices a provider publishes itself. Otherwise we say "pricing on request".
• We haven't been a customer of these providers. Treat this as a starting shortlist, then ask each one the questions in "How to choose" below.

Within each group, providers are listed alphabetically.

The options at a glance

Outsourcing firms (BPO)

Business process outsourcing firms run a defined process for you with their own team, usually with delivery centers in more than one country. They suit work that's steady and well documented.

ARDEM

ARDEM offers business process outsourcing and managed operations covering data entry, accounts payable and receivable, and finance and accounting. Its site describes workflow management, quality review, exception handling and reporting, with automation run inside clients' existing systems, and says it has supported business operations since 2004. Pricing: on request. Best for: a defined AR process you want run end to end by an established firm.

Cogneesol

Cogneesol provides finance and accounting outsourcing, including order-to-cash (the closest match to AR), procure-to-pay and record-to-report. It lists offices in the USA, Canada, India, Australia and the UK, and highlights residential real estate, insurance and pharma clients. Pricing: on request. Best for: order-to-cash work in the industries it focuses on.

Invensis

Invensis offers AR outsourcing that covers invoicing, cash application, payment matching, overdue reminders and collections, dispute handling, credit memos, and aging and AR reports. Its site says it has operated since 2000 and lists an office in Lewisville, Texas. Pricing: on request. Best for: a broad AR scope handled by one provider.

QX Global Group

QX Global Group provides finance and accounting outsourcing, with a published case study covering credit control and accounts receivable. It describes nearshore and farshore delivery centers, a footprint across the UK, US and India, and clients including accounting firms, recruitment, property management and manufacturing businesses. Pricing: on request. Best for: larger finance functions and accounting firms adding capacity.

Remote staff and virtual assistant firms

These firms give you a person, often full-time, who works in your tools and takes direction from you. You get flexibility, but you still train, manage and check their work.

Near

Near is a recruiting and staffing firm that sources remote professionals in Latin America for US businesses, including accounts receivable specialists, bookkeepers and controllers. Hires are full-time, with either a one-time placement fee or a monthly fee that covers payroll and compliance. Pricing: no figures published; its site says "Free to interview. Only pay if you hire." Best for: hiring a full-time AR specialist without hiring locally.

Stealth Agents

Stealth Agents provides dedicated, full-time AR virtual assistants who work in your accounting tools, such as QuickBooks, NetSuite or FreshBooks. Its AR page lists invoice delivery, payment reminders, dispute handling, customer contact about payments, aging reports and reconciliation. Pricing: the AR page lists rates "starting at $10/hr" and "starting at $15/hr" in different sections (as listed November 12, 2026). Best for: a dedicated assistant you direct day to day.

Wishup

Wishup describes itself as a remote outsourcing platform supplying virtual assistants and bookkeepers to founders, startups and small businesses. Assistant profiles on its site carry Indian flags and US time-zone tags, and it lists a US office in Dover, Delaware. Pricing: no rates published on its homepage. Best for: combining bookkeeping and admin help with AR follow-up.

Done-for-you managed services

A managed service takes the work itself, not just a seat. You agree what gets done and the rules, and the provider is responsible for doing and checking it.

Dull

Dull takes over AR work in your own tools (QuickBooks, Xero, your CRM or a shared spreadsheet): invoices out, payments matched, overdue accounts chased by email and the aging report kept current. AI does the routine records and a person reviews every exception, so nothing is guessed, and anything involving money waits for your approval. It's month to month and usually live in about a week. Pricing: a flat monthly fee, quoted on a 15-minute call. Best for: covering an empty AR or billing seat without hiring or managing someone. Not the best fit if: you need phone collections (the standard pilot doesn't call your customers), you want a person on your own team, or you need payments made for you. Dull is new: its one customer story so far is CleanSL8.

Supporting Strategies

Supporting Strategies provides outsourced bookkeeping and back-office services, including accounts receivable and collections, invoicing, accounts payable with approval workflows and payroll administration. Its team is US-based, with local offices, and it notes that it isn't a CPA firm. Pricing: on request. Best for: a US-based bookkeeping partner that also handles AR.

Finance-expert marketplace

Paro

Paro matches businesses with finance experts and firms for bookkeeping, fractional CFO work, FP&A, and tax and compliance. It's based in Chicago. Pricing: on request after a consultation. Best for: when the real gap is a bookkeeper or controller, not only AR follow-up.

Software instead of a service

AR software automates reminders, payment matching and reporting. It can be cheaper than people, but someone on your team still sets it up, watches it and handles the replies and disputes.

Chaser

Chaser is accounts receivable and credit control software that connects to Xero, QuickBooks and Sage. It automates payment reminders by email, SMS and automated phone calls, and adds a customer payment portal and cash flow forecasting. It also offers Chaser Care, a done-for-you service with a dedicated credit control specialist. Pricing: see Chaser's pricing page. Best for: automating reminders straight from your accounting software.

Upflow

Upflow is an AR automation platform with insights, collections, cash application and payments tools, and integrations with ERPs including NetSuite and QuickBooks Online. Pricing: a free "Discover" plan for AR insights; paid plans are tiered by annual invoiced revenue and quoted (as listed November 12, 2026). Best for: finance teams that want visibility and automated follow-up.

Versapay

Versapay automates invoice-to-cash, including invoicing, payment matching, collections and reconciliation, for finance teams on ERPs such as NetSuite, Sage Intacct and Microsoft Dynamics 365. It names manufacturing, wholesale distribution and professional services as focus industries. Pricing: on request. Best for: ERP-based companies with high invoice volumes.

How to choose

1. Decide who does the work. A person you manage (remote staff), a team that's responsible for it (managed service or BPO), or software your own team runs.
2. Ask who checks the work. Mistakes in AR cost cash. Ask what happens when an invoice or payment doesn't match, and who sees it before your customer does.
3. Check phone collections. If your customers only pay after a call, make sure the provider makes calls.
4. Check your tools. The provider should work in your accounting system, not move you to theirs.
5. Read the contract terms. Monthly or annual, notice period, and how pricing changes as volume grows.
6. Ask about access and data. What logins they need, who can see your customer data, and how access is removed when you stop. Our security page shows how we answer those questions.

If you're deciding between hiring and outsourcing, see our alternative to hiring an AR clerk, with BLS pay data, or compare the main options side by side.

Frequently asked questions

What is an outsourced accounts receivable service?

A company that takes over some or all of your AR work: sending invoices, applying payments, chasing overdue accounts and keeping the aging report current. Some give you a dedicated person to manage, some run the work as a managed service, and some sell software that automates parts of it.

How much does outsourced AR cost?

It depends on the model. Remote staff firms usually charge by the hour or a monthly rate for a full-time person, outsourcing firms usually quote per project, and AR software is usually a subscription. Most providers on this list quote on request, and we only list prices that providers publish themselves.

Is outsourced AR software or a service?

Either. Software like Chaser, Upflow and Versapay automates reminders and payment matching, but your team still runs it. A service or remote staff firm does the work for you. Some businesses use both.

Why is Dull on this list if Dull wrote it?

Because Dull offers outsourced AR and it would be odd to leave it out. We've said so at the top, put Dull in its group rather than first, and described where other options are a better fit.

Will an outsourced AR service call my customers?

Some do and some don't. Several staff and BPO firms offer phone collections. Dull's standard pilot chases overdue accounts by email and in your systems, not by phone, so if phone collections matter most, pick a provider that offers them.