--- type: Software Buyer's Guide title: AR Collect vs Biller Genie in 2026, Compared description: AR Collect and Biller Genie compared for 2026 on billing model, late fee grain, published price, verified reviews and ledger coverage. Two QuickBooks-first AR tools, head to head. resource: https://accounting.events/reviews/ar-collect-vs-biller-genie/ tags: [ar collect vs biller genie, biller genie vs ar collect, quickbooks ar app, ar collect pricing, biller genie pricing, ar automation software] timestamp: 2026-08-27 --- **AR Collect and Biller Genie are the two QuickBooks-first receivables tools that publish a price, and a ledger and a meter separate them. AR Collect reaches every QuickBooks Desktop edition from Pro through Enterprise, in any year, at $29.95 a month. Biller Genie reaches Desktop through a separate connector and charges $49.95 a month plus 0.50% of every invoice it collects.** Neither charges by user, so the honest unit for comparing them is the open invoice rather than the seat. Priced that way the two diverge fast, because one of them is fixed inside a band and the other rises with every dollar that moves through it. **Related guides:** [the best Biller Genie alternatives](/reviews/best-biller-genie-alternatives/), [AR automation for QuickBooks](/reviews/best-accounts-receivable-software-quickbooks/), [how much you can charge in late fees](/resources/how-much-can-i-charge-late-fees/) A US small business waited 29.1 days to be paid in June 2026 and settled 8.3 days past due, on Xero Small Business Insights data, with the distance between the fastest and slowest states wider than either figure suggests on its own. Hold on to 8.3 days. It is the number that decides whether the only late fee on this page is worth anything to you. ## AR Collect and Biller Genie compared: the table Two rows carry the decision: how each tool bills, and whether a late fee exists at all. The rest of the table describes how much product sits behind each price. | | [Biller Genie](#biller-genie) | [AR Collect](#ar-collect) | | Revenue fit | Not published; the bill scales with the value collected | Not published; the price band is set by open-invoice count | | Billing model | Monthly fee plus 0.50% of invoices collected, capped at $1,500 a month | Flat monthly price by open-invoice band, no percentage | | From (monthly) | $49.95 plus 0.50% of invoices collected | $29.95 | | Ledger integrations | QuickBooks Online, QuickBooks Desktop, Xero, AccountingSuite | QuickBooks Online, every QuickBooks Desktop edition, Xero | | Late fee grain | Yes (one global rule, add-on); nothing is late until 30 days past due | None found | | Reminder grain | Yes (one global cadence per account) | Yes (per customer group) | | SMS | None found | None found | | Statements | Yes (as a reminder type) | Yes (daily, weekly or monthly, with invoice PDFs attached) | | Payment plans | Yes (the customer requests, the merchant approves) | No (promise to pay only) | | Payments | Yes (card and ACH through its own merchant stack, with surcharging and dual pricing) | Yes (card and ACH, with surcharging and no card fee added by the vendor) | | Rated | 4.8 from 26 on Capterra, 3.0 from 4 on G2, 2.33 from 3 on the Xero App Store | 4.0 from 2 on G2, 5.0 from 1 on Capterra, no Xero App Store reviews yet | | Last verified | Aug 2026 | Aug 2026 | A footnote on three phrases used strictly above. Where a vendor prints no figure, the cell reads “Not published”. Where a capability could not be confirmed from the vendor’s own materials, it reads “Not verified”. Where nothing in those materials points either way, it reads “None found”, which is a statement about the evidence rather than about the product. ## What AR software for QuickBooks Desktop has to do A Desktop file is not a cloud ledger with an older interface. It changes what a receivables tool has to be capable of, which is why the shortlist for a Desktop business is so short. QuickBooks Desktop keeps its data in a company file on a machine you control, in a format that changes between editions and between years. A tool that connects has to talk to that file rather than to a hosted API, and it has to keep talking to it when the business moves from Pro to Premier, or from a 2021 file to a 2024 one. Most of the receivables category solved that problem by not supporting Desktop at all. What a Desktop business needs is unglamorous. Open invoices have to come out of the file reliably. Reminders have to go out on a schedule without anybody opening QuickBooks that morning. Statements have to carry the invoice PDFs, because a Desktop customer usually has nowhere to log in and look. A payment taken online has to come back and close the invoice in the file rather than sit in a report waiting to be keyed. The part most Desktop businesses go without is the charge. QuickBooks Desktop can assess a finance charge, but somebody has to run it, and running it every month against the accounts that deserve it is exactly the task that slips. Only one of the two tools here raises the charge for you, and it will not do it before day 30. Neither tool reaches Sage, NetSuite or Dynamics 365, so this is a comparison inside the QuickBooks and Xero world rather than a shortlist for the whole category. ## 1. Biller Genie Best for US small businesses that want invoicing, reminders and card and ACH collection in one tool, at $49.95 a month plus 0.50% of invoices collected ### What is it best for? For a US small business on QuickBooks or Xero that wants the invoice raised, chased and paid inside one tool, and can carry a percentage of what it collects to get it. **Fits:** US small businesses on QuickBooks Online, QuickBooks Desktop, Xero or AccountingSuite with steady card and ACH volume. No revenue band is published; the bill scales with the value collected **Regions:** United States. Founded 2019 with the software launched in 2020, head office in Orlando and an engineering office in Belfast **Entry cost:** $49.95/mo plus 0.50% of invoices collected, capped at $1,500/mo, with no contract and cancellation any time. ACH is an add-on at $0.50 a transaction with a $20 monthly minimum and a $25 setup fee; paper mail is $1.50 a reminder plus $0.25 an extra page. As at August 2026, verify current pricing **Rated:** 4.8 from 26 reviews on [Capterra](https://www.capterra.com/p/176347/Biller-Genie/reviews/), latest June 2025; 3.0 from 4 on [G2](https://www.g2.com/products/biller-genie); 2.33 from 3 on its [Xero App Store](https://apps.xero.com/us/app/biller-genie) listing, where one reviewer reports a duplicate-charge sync fault worth about $25,000 **Awards:** Inc. 5000 number 259, 2024 **Runs on:** QuickBooks Online through a two-way sync, QuickBooks Desktop through a separate connector, Xero, AccountingSuite, and more than 20 US payment gateways **Late fees and interest:** Yes, through a Late Fee Manager add-on. An invoice is not treated as late until it is 30 days past due, then charges recur on a 30-day schedule and post to a finance charge account. There is no interest calculation and nothing varies by customer **Does best:** Surcharging and dual pricing with their own checkout flows, with the fee reconciled back to the ledger automatically Biller Genie does considerably more than AR Collect does, and it is worth being specific about what the extra buys. It raises and delivers the invoice from the accounting file, runs six reminder types up to and including a warning about an upcoming late fee, posts paper mail as an option, and takes card and ACH payments through a branded portal with autopay, per-customer thresholds and bulk invoice grouping. The payment stack is where the depth is: more than 20 US gateways, surcharging and dual pricing with dedicated checkout flows and the fee reconciled back to the ledger automatically, a virtual terminal and check capture. Payments are the business Biller Genie is actually in. Its QuickBooks Desktop route is a separate connector rather than part of the two-way QuickBooks Online sync, which is worth pressing on in a demo if Desktop is the file you run. The Online integration is the one the product is designed around. The half percent is earned by routing processing through Biller Genie’s own merchant services. That is the condition attached to the price, and it means a business with a processor it already likes is being asked to change two things at once. **Limitations with Biller Genie.** The percentage is charged on money collected rather than on work done, so the bill grows with a good month and stops growing only at the $1,500 cap, reached at $300,000 collected. Against a competitor charging a flat $29.95, the percentage on its own passes that entire monthly price at about $9,000 collected. Reminder timing is set once for the whole account and cannot be varied for a specific customer. There is no SMS channel at all, and paper mail is charged per item. The late fee will not fire until an invoice is 30 days past due, and there is no interest calculation behind it. Card and ACH processing has to run through the vendor’s own merchant stack. The G2 and Xero App Store scores sit well below the Capterra one, and the Xero listing carries a duplicate-charge report worth about $25,000. ## 2. AR Collect Best for QuickBooks Desktop and QuickBooks Online businesses that want low-cost reminders on a flat price, from $29.95 a month ### What is it best for? For a business running any edition or year of QuickBooks Desktop that wants scheduled reminders, statements with the invoices attached, and a pay-now page, at the lowest published price in the category. **Fits:** Small businesses on QuickBooks Desktop, QuickBooks Online or Xero. No revenue band is published; the price band is set by how many invoices are open, starting at 500 **Regions:** United States. The vendor publishes no company details, and support is answered on a New York area number. The Xero App Store listing was added in April 2025 **Entry cost:** $29.95/mo for up to 500 open invoices and $44.95/mo for up to 1,500, each including one user with unlimited customers and unlimited emails. Extra users are $4.95/mo and extra companies $29.95 on QuickBooks Online or $35.95 on QuickBooks Desktop. The 5,000-invoice tier is listed with no printed price and the 10,000-invoice tier is quoted on request. A 30-day trial runs with no card. As at August 2026, verify current pricing **Rated:** 4.0 from 2 reviews on [G2](https://www.g2.com/products/arcollect/reviews), both February 2022; 5.0 from 1 review on [Capterra](https://www.capterra.com/p/233202/AR-Collect), December 2022; no reviews yet on its [Xero App Store](https://apps.xero.com/us/app/ar-collect) listing **Awards:** None found **Runs on:** QuickBooks Online, every QuickBooks Desktop edition from Pro through Enterprise and any year, Xero **Late fees and interest:** None found. Late fees and interest are not mentioned anywhere in the vendor's materials **Does best:** QuickBooks Desktop coverage across any year and any edition from Pro through Enterprise, which almost nothing else in the category reaches The reach into QuickBooks Desktop is why AR Collect is on this page at all. It connects to any year and any edition from Pro through Enterprise, which very little else in the category does, and it does it at $29.95 a month for up to 500 open invoices. The product itself is deliberately narrow. Open invoices come across from the file, customers sit in groups, and each group is tied to a template series and a schedule that sends advance notices before the due date and past-due notices after it. A bulk smart email goes to every past-due customer behind a filter, and replies are tracked back against the customer record. Statements run daily, weekly or monthly with the invoice PDFs attached, which counts for more on Desktop than on a cloud ledger because the customer has nowhere to log in and check. Card and ACH payments run through the portal with a surcharging option, and the vendor adds no card fee of its own on any gateway. There is no installment plan. What there is instead is a promise to pay: an amount and a date recorded against the customer, listed in a commitment report over any date range, flagged in an exception report when the date passes unpaid, quoted back inside the reminder email, and fed into the cash flow forecast. **Limitations with AR Collect.** No late fees and no interest of any kind, no SMS, no installment plan beyond the promise-to-pay record, and no AI anywhere in the product. Three public reviews exist in total and all three date from 2022, so there is no recent evidence of how it performs at volume. The vendor publishes no company details at all, and support answers on a New York area number. Pricing stops being published above 1,500 open invoices, and every extra user and every extra company file is charged on top. ## Cost per open invoice at 100, 500 and 1,500 invoices Neither vendor charges per user, so the useful unit is the open invoice. Priced that way, the gap between the two is not a percentage, it is a multiple. | Open invoices | Average invoice | Collected that month | AR Collect | Biller Genie | Cost per open invoice | | 100 | $500 | $50,000 | $29.95 | $299.95 | $0.30 against $3.00 | | 100 | $2,000 | $200,000 | $29.95 | $1,049.95 | $0.30 against $10.50 | | 100 | $10,000 | $1,000,000 | $29.95 | $1,549.95 (capped) | $0.30 against $15.50 | | 500 | $500 | $250,000 | $29.95 | $1,299.95 | $0.06 against $2.60 | | 500 | $2,000 | $1,000,000 | $29.95 | $1,549.95 (capped) | $0.06 against $3.10 | | 500 | $10,000 | $5,000,000 | $29.95 | $1,549.95 (capped) | $0.06 against $3.10 | | 1,500 | $500 | $750,000 | $44.95 | $1,549.95 (capped) | $0.03 against $1.03 | | 1,500 | $2,000 | $3,000,000 | $44.95 | $1,549.95 (capped) | $0.03 against $1.03 | | 1,500 | $10,000 | $15,000,000 | $44.95 | $1,549.95 (capped) | $0.03 against $1.03 | The model assumes the open invoices turn over once inside the month, so the collected value is the invoice count multiplied by the average invoice. AR Collect is $29.95 up to 500 open invoices and $44.95 up to 1,500, and publishes nothing above that. Biller Genie is $49.95 plus 0.50% of the value collected, with the percentage capped at $1,500, so its column stops moving at $300,000 collected. Card processing sits outside both columns, as do Biller Genie’s $25 ACH setup fee, $20 ACH monthly minimum, $0.50 an ACH transaction and $1.50 a paper reminder plus $0.25 an extra page, and AR Collect’s $4.95 extra user and $29.95 or $35.95 extra company file. Published pricing as at August 2026; verify before you rely on these figures. Change the two inputs below to match your own ledger. Worked example. On $80,000 collected in a month with 900 open invoices, Biller Genie costs $449.95 that month and AR Collect costs $44.95, so AR Collect is $405.00 a month cheaper, or $4,860.00 a year. The page carries an interactive calculator for other amounts. Biller Genie is $49.95 plus 0.50% of the value collected, with the percentage capped at $1,500 a month, which is reached at $300,000 collected. AR Collect is $29.95 up to 500 open invoices and $44.95 up to 1,500, and publishes no price above that. Card processing costs sit outside both figures. Published pricing as at August 2026; verify current pricing before you use these numbers. The two columns behave differently because only one of them is a software price. AR Collect charges for a band of invoices, so it is flat until the band changes and then flat again. Biller Genie charges for money moved, so it behaves like a merchant fee, and a business with a small number of large invoices ends up paying the most per invoice of anybody on this page. Card processing is the line neither column shows, and the one most likely to change the answer. AR Collect charges nothing on top of whichever gateway you already run, so your existing rates carry over untouched. Biller Genie’s rates arrive with the product, because the processing has to move to it. ## Which QuickBooks editions and years each one reaches This is the row that removes one of the two tools for a great many businesses, so it is worth stating precisely rather than as a tick in a table. AR Collect connects to QuickBooks Online and to every QuickBooks Desktop edition from Pro through Enterprise, in any year. Its materials name no version cut-off and there is no separate Desktop product to buy. Biller Genie connects to QuickBooks Online through a two-way sync built on webhooks with a scheduled background job behind it, and reaches QuickBooks Desktop through a separate connector. The Online integration is the one the product is built around, and the Desktop one is the one to ask about. Both also connect to Xero. Biller Genie’s US Xero App Store listing carries three reviews at 2.33; AR Collect’s listing, added in April 2025, has none yet. Biller Genie adds AccountingSuite, which nothing else here reaches. A third-party directory lists AR Collect against Sage Accounting. The vendor’s own materials do not confirm it, so this page treats it as not verified rather than repeating it. For NetSuite, Sage Intacct or Dynamics 365, neither tool is the answer. The order to work in for a Desktop business: confirm the edition and the year in writing, confirm what happens to the connection when the file is upgraded, and confirm whether the Desktop connector is included in the price or sold separately. ## The 30-day fee floor against an 8.3-day average Only one of these two raises a late fee, and the question worth asking is not whether it exists but when it is allowed to fire. Biller Genie’s Late Fee Manager is an add-on, switched on for the whole account. The merchant sets the schedule, the frequency, the amount and the terms shown to the customer, and the charge posts to a finance charge account in the ledger. Nothing is treated as late until it is 30 days past due, and from that point the charge recurs every 30 days and stacks. Set that against the figure at the top of this page. The average US invoice settles 8.3 days past due. A fee that cannot fire before day 30 has already missed most of the invoices a small business would describe as late, and it lands only on the accounts that were heading for trouble anyway. Whether that matters depends on what you wanted the fee to do. As a recovery instrument aimed at a handful of stubborn accounts, day 30 is a reasonable place to start. As a behavioral lever that teaches a customer to pay on time, day 30 teaches nothing, because the customer who pays at day 8 never sees it. In the United States a late fee is a term of your contract rather than a statutory entitlement, so the rate and the trigger are yours to set within what state law allows, and neither tool constrains you in law. What Biller Genie constrains is the grain: one rule for the whole account, first charge at day 30, no interest calculation behind it, nothing that varies by customer. AR Collect raises nothing at all, so on that side the charge is added by hand in QuickBooks or not at all. **Biller Genie:** A fee, not interest. One rule for the whole account, first charge at 30 days past due, then every 30 days. Flat-versus-percentage handling is not documented, and nothing varies by customer. **AR Collect:** None found. Late fees and interest do not appear anywhere in the vendor's materials, so any charge has to be raised by hand in QuickBooks. ## Promise to pay, or an installment plan Neither tool builds a schedule for you the way a dedicated payment plan product would, and the two substitutes behave differently on the day the money is due. A Biller Genie plan starts with the customer. They request installments through the portal, the merchant approves or rejects the request, and from then the money has dates against it and a saved method to run against them. An AR Collect promise to pay starts with the same conversation and ends in a record rather than a schedule. The amount and the date go against the customer, a commitment report lists every promise made across a chosen date range, an exception report shows the ones that passed unpaid, the promise is quoted back inside the reminder email, and the figure feeds the cash flow forecast. The difference is who has to act on the date. Biller Genie takes the money. AR Collect tells you the money did not arrive, and somebody picks up the phone. Neither is invoice finance. On both tools the receivable and the credit risk stay with you. A finance provider settles the invoice in full and carries the risk itself, which is a different purchase from either of these. ## Common questions What a QuickBooks business asks when these two are on the same shortlist: what each one costs per invoice, which QuickBooks files they reach, and what happens when an invoice goes past its terms. ### Is AR Collect or Biller Genie better? Neither is better outright. Biller Genie is the fuller product, with invoicing, a card and ACH stack and a late fee, and it charges $49.95 a month plus 0.50% of invoices collected. AR Collect is reminders, statements and a portal on a flat $29.95 a month, with no late fee at all. The choice is whether taking payment inside the tool is worth a share of everything you collect. ### Which one works with older QuickBooks Desktop versions? AR Collect connects to any QuickBooks Desktop year and any edition from Pro through Enterprise, with no version cut-off named in its materials. Biller Genie reaches Desktop through a separate connector rather than through the two-way QuickBooks Online sync it is built around. Confirm your exact edition and year with the vendor in writing before committing either way. ### How much do AR Collect and Biller Genie cost? AR Collect is $29.95 a month for up to 500 open invoices and $44.95 for up to 1,500, plus $4.95 for each extra user and $29.95 or $35.95 for each extra company file. Biller Genie is a single plan at $49.95 a month plus 0.50% of invoices collected, capped at $1,500 a month, with ACH and paper mail charged as add-ons. Both figures are as at August 2026; verify current pricing. ### What does each one cost per open invoice? At 500 open invoices AR Collect works out at about $0.06 an invoice, whatever the invoices are worth, because its band price does not move with value. Biller Genie at the same invoice count works out between about $2.60 and $3.10 an invoice depending on the average invoice value, because its percentage rises with the money collected until the $1,500 cap. ### Do AR Collect and Biller Genie apply late fees? Biller Genie does, through a Late Fee Manager add-on that treats an invoice as late at 30 days past due and then charges every 30 days on one global rule. AR Collect does not: no late fee or interest function appears anywhere in its materials, so any charge is raised by hand in QuickBooks. ### Do AR Collect and Biller Genie work with Xero as well as QuickBooks? Both do. AR Collect covers QuickBooks Online, every QuickBooks Desktop edition and Xero. Biller Genie covers QuickBooks Online, QuickBooks Desktop through a separate connector, Xero and AccountingSuite. Confirm your exact ledger and edition before committing. ### Does either tool send SMS reminders? No. Neither publishes an SMS channel. Biller Genie sends email and, as a paid add-on, paper mail. AR Collect sends email only. ## What was checked, and what could not be Both vendors publish a price, which is unusual in this category and is what makes the arithmetic above possible. What could not be established is who one of them is. Biller Genie’s figures were read from its own pricing page in August 2026, including the $1,500 cap, ACH at $0.50 a transaction with a $20 monthly minimum and a $25 setup fee, and paper mail at $1.50 a reminder plus $0.25 an extra page. The same page shows the single 2026 plan was consolidated out of three older tiers at $19.95, $49.95 and $299.95, which carried percentages from 1.00% down to 0.25%. AR Collect’s bands came from its own page: $29.95 to 500 open invoices, $44.95 to 1,500, a 5,000-invoice tier listed with no printed price, a 10,000-invoice tier quoted on request, and a 30-day trial that runs without a card. What could not be checked is AR Collect itself. The vendor publishes no company details, no registered address and no team, and support answers on a New York area number. Three public reviews exist across G2 and Capterra, all from 2022, and the Xero App Store listing added in April 2025 carries none, so there is no recent evidence of the product in use and none at all from anyone running 1,500 open invoices through it. The open item on the other side is the Biller Genie Xero App Store listing, which carries 2.33 from three reviews, one of them reporting a duplicate-charge sync fault worth about $25,000. That is one reviewer rather than a pattern, and it is printed here rather than averaged away because a single report of duplicated charges against a payments product is worth a direct question in the demo. A third-party directory lists AR Collect as connecting to Sage Accounting, which the vendor’s own materials do not confirm, so the page marks it not verified rather than repeating it. Neither company was contacted, neither saw this page before it went up, and neither paid to be on it. Alternatives ### Best Biller Genie alternatives Five Biller Genie alternatives on enforcement, price and reviews. By accounting system ### Best AR automation for QuickBooks The tools that pick up where QuickBooks Online stops, ranked. Late fees ### How much can I charge in late fees? What a late fee can legally be, and how to set the rate. Buyer's guide ### Best accounts receivable software The pillar guide: pick by size and accounting system, with a recommendation matrix.