Biller Genie vs Upflow: choose Biller Genie if you are a US small business that wants invoicing, chasing, a late fee and card and ACH payments in one tool; choose Upflow if a finance team manages collections by metric and can work with a quote. They are priced at opposite ends of the category, and neither one charges per user.
Biller Genie’s last reported price, from third-party listings, is a formula: $49.95 a month plus 0.50% of every invoice collected, capped at $1,500; Biller Genie now hides its prices, so request a quote. Upflow publishes nothing at all, on any of its five tiers.
That makes the usual side-by-side impossible, because one number is a rate and the other is a quote. The work on this page is turning them into the same kind of number, finding where the two lines cross, and being clear about what you are buying on each side of that point.
One vendor charges a rate, the other issues a quote, so the two headline prices cannot be set side by side as they stand.
Biller Genie was last reported by third-party listings at $49.95 a month plus half a percent of everything it collects, capped at $1,500, which is reached at $300,000 collected in a month; it now hides its prices, so request a quote. Upflow prints nothing on any of its five tiers. Making those two comparable is what this page is for.
What accounts receivable software is (and what it is not)
Accounts receivable software works the invoices a business is owed, from reminder to payment. Both tools here connect to Xero and QuickBooks Online, send reminders, run a branded customer portal for card and ACH payments, and report on what is still outstanding.
Each goes further in one direction. Biller Genie adds invoice delivery, paper mail, surcharging and a late fee add-on that fires at day 30. Upflow adds multi-step workflows with SMS, cash application, and collections analytics such as countback DSO against best possible DSO.
What it is not:
- Not the ledger. QuickBooks Online, QuickBooks Desktop, Xero or NetSuite holds the books. Biller Genie books its late fee to a finance charge account there, and Upflow routes fees to the ERP.
- Not the payment processor by default. Biller Genie pushes its own merchant services, but its docs say you can connect your own gateway. Upflow takes payments as a Stripe partner.
- Not an interest calculator. Neither product calculates interest. Biller Genie’s fee is a charge on one rule for every customer.
- Not the billing system for subscriptions. Upflow connects to Stripe Billing, Chargebee and Zuora, where subscription invoices are raised.
It sits between the ledger and the customer. Invoices come in from the accounting file, and reminders, payments and reports go back out.
A percentage of collections against an unpublished quote
Neither vendor charges per seat, which removes the variable that usually decides these comparisons and leaves a reported rate facing a sales conversation.
Biller Genie’s last reported price is a formula you can run yourself. Take $49.95, add half a percent of whatever the tool collects for you that month, and stop at $1,500 for the percentage.
Type in last month’s collections and you have an estimate of next month’s bill. Biller Genie now hides its prices, so confirm the rate in a quote before you rely on it.
Upflow’s price is a conversation. Nothing is printed on any tier, and quotes are set by gross invoice value tier. The $440 figure for Grow and $880 for Scale are last-verified third-party figures, not published by the vendor, so they are a place to start negotiating rather than a price.
So the order on this page came out of four questions rather than a feature count: how much of the price can be pinned down before a sales call, what the bill does as the business grows, whether a late fee exists inside the product, and how much verified review evidence stands behind each one.
Biller Genie takes the first, because its last reported rate is a formula you can run, and the third. Upflow takes the fourth outright, at 4.8 from 233 G2 reviews against a Xero App Store listing that carries 2.33 from 3. The second question is the crossover, and it has a number.
Biller Genie and Upflow compared: the table
Two rows decide this and neither is a feature: what each vendor can be pinned to on price, and whether a late fee exists inside the product at all.
| Biller Genie |  |
|
|---|---|---|
| Best for | US small businesses paying for collections out of what they collect | Finance teams that manage collections by metric |
| Revenue fit | Not published; the bill scales with the value collected | Not published; quoted in five tiers by gross invoice value, from up to $10m to above $100m |
| Billing model | Monthly fee plus 0.50% of invoices collected, capped at $1,500 a month (last reported; now hidden, request a quote) | Not published at any tier; every paid plan is a sales quote |
| From (monthly) | $49.95 plus 0.50% of invoices collected (last reported; now hidden, request a quote) | Not published; Grow last verified at $440 and Scale at $880, now quote-only |
| Ledger integrations | QuickBooks Online, QuickBooks Desktop, Xero, AccountingSuite | Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora |
| Late fee grain | Yes (one global rule, add-on); nothing is late until 30 days past due | No (via your ERP only) |
| Reminder grain | Yes (one global cadence per account) | Yes (multi-step workflows by invoice age, behavior and risk profile) |
| SMS | None found | Yes (in workflows, alongside email and letter) |
| Statements | Yes (as a reminder type) | Portal PDF statement, no scheduled send |
| Payment plans | Yes (the customer requests, the merchant approves) | No (promise to pay and customer-initiated part payments only) |
| Payments | Yes (card and ACH; pushes its own merchant services, but its docs say you can connect your own gateway; surcharging and dual pricing) | Yes (ACH, cards and direct debit through the portal, with autopay) |
| AI | None found; the automation is rules-based | Yes (cash application, promise-to-pay detection, dispute signals) |
| Collections analytics | Dashboard level | Countback DSO against best possible DSO, collection effectiveness, at-risk rate above 90 days, aging |
| Rated | 4.8 from 27 on Capterra, 3.0 from 4 on G2, 2.33 from 3 on the Xero App Store | 4.8 from 233 on G2, 4.5 from 15 on Capterra, 5.0 from 1 on the Xero App Store |
The rating row carries counts as well as scores because the two review bases are not the same size or the same age: 233 reviews on one platform against 26, 4 and 3 on three others, with the lowest of those three attached to a reported sync fault. Averaging them would hide the disagreement, so all of them are printed.
1. Biller Genie
Best for a US small business that would rather pay for collections out of what it collects, last reported at $49.95 a month plus 0.50%
What is it best for?
For a US small business that would rather pay for collections out of the money collected than negotiate a subscription, on QuickBooks Online, QuickBooks Desktop, Xero or AccountingSuite.
- 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
- Last reported by third-party listings at $49.95/mo plus 0.50% of invoices collected, capped at $1,500/mo, with no contract and cancellation any time; Biller Genie now hides its prices, so request a quote. The same listings last reported ACH as an add-on 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.
- Rated
- 4.8 from 27 reviews on Capterra, latest June 2025; 3.0 from 4 on G2; 2.33 from 3 on its Xero App Store listing, where one 1-star review says "Working with Biller Genie has been a headache"
- Awards
- Inc. 5000 number 259, 2024
- Runs on
- QuickBooks Online through a two-way sync, QuickBooks Desktop through a separate connector, Xero, AccountingSuite, and named gateways including USAePay, Maverick, Sola, Authorize.Net, Elavon and PayPal
- 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 is a payments product with receivables automation attached, and its last reported price says so. The subscription is small and the vendor’s return grows with the value of the invoices it settles for you, which is a merchant-services model rather than a software one.
What the money buys is a whole billing loop. Invoices are raised and delivered from the accounting file, six reminder types run from upcoming payment through to upcoming late fee, paper mail goes out as an option, and the customer pays in a branded portal with autopay, per-customer thresholds and bulk invoice grouping.
Behind that sit named gateways including USAePay, Maverick, Sola, Authorize.Net, Elavon and PayPal, surcharging and dual pricing with dedicated checkout flows, a virtual terminal and check capture.
Biller Genie pushes its own merchant services, but its site and docs say you can connect your own gateway, and they name USAePay, Maverick, Sola, Authorize.Net, Elavon and PayPal. Ask which processor a quote assumes, because the card and ACH rates on that processor belong in the price comparison as much as the subscription line does.
Installment plans follow the same logic as the rest of it: the customer requests them through the portal and the merchant approves or rejects each request, rather than the finance team building a schedule up front.
Limitations with Biller Genie. The percentage is levied on money collected rather than on work done, so a strong month costs more than a weak one and, on the last reported rate, the climb stops only at the $1,500 cap, reached at $300,000 collected. The price is no longer published, so the real figure needs a quote.
Reminders run on one cadence for the whole account, with no way to treat a difficult customer differently from an easy one. SMS does not exist as a channel, and every paper reminder is billed individually. The late fee waits until day 30 and has no interest calculation behind it.
The vendor pushes its own merchant services, so check whether a quote assumes them; its docs say you can connect your own gateway instead. Its three review scores disagree with one another, the Capterra figure sitting far above the G2 and Xero App Store ones, and two of the three reviews behind the lowest score give 1 star.
Best suited for: A US small business on QuickBooks Online, QuickBooks Desktop, Xero or AccountingSuite that wants to pay for collections out of what it collects. The drawback is one reminder cadence for every customer, no SMS and a late fee that cannot fire before day 30.
2. Upflow
Best for finance teams that manage collections by metric, quoted in five gross invoice value tiers from up to $10m to above $100m
What is it best for?
For a finance team that will accept a quote-only vendor because the reporting is the reason it is buying, on Xero, QuickBooks Online, NetSuite or Sage Intacct.
- Fits
- B2B finance teams that manage by metric, quoted in five tiers by gross invoice value, from up to $10m on Starter to above $100m on Enterprise
- Regions
- United States and Europe. Founded in Paris in late 2018, head office now in New York, with around 500 customers in more than 30 countries
- Entry cost
- Not published. Upflow prints no figure on any tier and quotes five tiers by gross invoice value. Its pricing FAQ mentions a free Discover plan for analytics, but it is not among the plan cards. Grow was last verified at $440/mo and Scale at $880/mo, and both are now quote-only.
- Rated
- 4.8 from 233 reviews on G2, latest June 2026; 4.5 from 15 on Capterra; 5.0 from 1 on its Xero App Store listing
- Awards
- None found
- Runs on
- Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee and Zuora, with a public API
- Late fees and interest
- No, via your ERP only. Upflow's own documentation points the job back to the ERP, and there is no native calculation
- Does best
- Collections analytics, with countback DSO against best possible DSO, collection effectiveness and an at-risk rate above 90 days
Upflow is a different kind of purchase for a small buyer. No figure is printed on any tier and quotes are set by gross invoice value tier, so the cheapest way to find out what it costs is to spend an hour on a call.
What that buys is the measurement layer, and it is the deeper half of this comparison: countback DSO set against best possible DSO, collection effectiveness, at-risk balances above 90 days, aging and billing-cohort cash forecasting, on dashboards filtered by workflow, country or account manager and scheduled out by email.
The chasing is a multi-step workflow rather than one cadence, sequencing email, SMS, letter, call and task steps against invoice age, customer behavior and risk profile, with a branded portal where the customer pays, disputes or sets a promise to pay.
The AI work sits in cash application: payments matched to invoices with suggestions and rules, promises detected from replies, dispute signals surfaced.
Limitations with Upflow. No native late fees, so any fee goes back to your ERP, and there is no interest calculation anywhere. No payment plans, only customer-initiated part payments and promises to pay. Statements are a PDF the customer downloads from the portal; there is no scheduled statement send.
Automatic actions fire once a day and on business days only. Sending through your own SMTP disables open and click tracking, and the QuickBooks link polls every five minutes with payments landing in Undeposited Funds for manual reconciliation. Its last reported prices were $440 a month for Grow and $880 for Scale in 2024, now hidden, request a quote.
Best suited for: A finance team on Xero, QuickBooks Online, NetSuite or Sage Intacct that buys for the reporting and accepts a quote-only vendor. The drawback is that no price is published, with no native late fees, no payment plans and no scheduled statements.
The crossover: what you have to collect before Biller Genie costs more
One last-reported rate against one last-verified quote. The arithmetic below is the only way to make them comparable, and it is arithmetic rather than a vendor claim.
Biller Genie was last reported at $49.95 plus 0.50% of the value collected. Upflow’s Grow tier was last verified at $440 a month and Scale at $880, and both are now quote-only. The Biller Genie line crosses Grow at about $78,000 collected in a month, and crosses Scale at about $166,000.
On $80,000 collected in a month, Biller Genie costs $449.95 and Upflow’s last verified Grow price is $440.00, so Upflow is $9.95 a month cheaper, or $119.40 a year.
On $80,000 collected in a month, Biller Genie costs $449.95 and Upflow's last verified Grow price is $440.00, so Upflow is $9.95 a month cheaper, or $119.40 a year.
The first line is Biller Genie’s last reported rate, $49.95 plus half a percent of the value collected, and the percentage stops at $1,500 a month once $300,000 has been collected.
Upflow’s last reported prices were $440 a month for Grow and $880 for Scale, now hidden, request a quote, so treat the Upflow line as an estimate.
Biller Genie now hides its prices too, so request a quote. Neither line includes what the card processing itself costs. Check current pricing with the vendor before you use these numbers.
Below the crossover Biller Genie is cheaper, and it is very much cheaper for a business collecting a modest amount, because the fixed part of its last reported price is $49.95 and the percentage is small.
Above the crossover the percentage keeps climbing until $300,000 collected in a month, where the cap lands at $1,500. From there Biller Genie’s price is flat and Upflow’s is whatever the band says it is.
What sits on each side of that crossing is not the same product, which is the reason to run the numbers rather than pick the lower line. Under it you are buying invoicing, chasing, a late fee and a card and ACH stack. Over it you are buying measurement, and the fee and the payment rails come from somewhere else.
Card processing is the part neither column shows. Biller Genie pushes its own merchant services, though its site and docs say you can connect your own gateway, so ask which processor its quote assumes; those card and ACH rates are part of the decision as much as the subscription is.
Upflow takes ACH, cards and direct debit through the portal as a Stripe partner, so those rates come from the processor you already use.
Two phrases in the table above carry a fixed meaning where a price should be. “Not published” means the vendor prints no figure anywhere public. “Not documented” means the vendor does not document the capability. A figure that came from a third party rather than from the vendor is labeled last verified.
What Upflow’s free Discover tier is, and is not
A free tier from a vendor that publishes no price draws a lot of attention, so it is worth being exact about what it does and what it does not do.
Discover shows you your own collections numbers: countback DSO against best possible DSO, collection effectiveness, at-risk balances, aging and benchmarking. It runs no collection automation of any kind, so it sends nothing to anybody and chases nobody.
It is not a trial, and Upflow says so itself. A trial is the paid product with a clock on it. Discover is a permanent, narrower product, so nothing you configure inside it is chasing that will switch on when you upgrade.
It is also not among the plan cards. Upflow’s pricing FAQ mentions a free Discover plan, but the plan cards list only the five paid tiers, so confirm it is still offered before you plan around it.
What it is genuinely good for is one job: establishing what your collections performance actually is before deciding whether the problem is worth software at all. A business that runs Discover for a quarter and finds its countback DSO is three days off best possible has learned something more useful than either product on this page would have sold it.
Biller Genie has no free tier to compare it with. What it has instead is no contract and cancellation at any time, which is a different kind of low commitment: on the last reported rate you pay $49.95 and the percentage for the month you used it, and stop.
A fee at 30 days, or no fee at all
Biller Genie applies a late fee through an add-on, on one global rule, and treats nothing as late until it is 30 days past due. Upflow applies none inside the product. Neither one calculates interest.
In the United States a late fee is a term of your contract rather than an entitlement in law, so the rate and the trigger are yours to set within what state law allows.
That makes the grain of the software the whole question: how soon a fee can fire, how often it repeats, and whether it can differ between one customer and another.
Biller Genie’s Late Fee Manager is switched on per account. The merchant sets the schedule, the frequency, the amount and the terms shown to the customer, and the charge books to a finance charge account in the ledger. Nothing is treated as late until day 30, and from then the fee recurs every 30 days and stacks.
The 30-day floor is worth testing against your own aged debtors before the feature is counted as a reason to buy.
Xero Small Business Insights puts the average US invoice at 8.3 days past due when it finally settles, so a mechanism that cannot fire until day 30 never reaches most of what a small business would call a late invoice. It reaches the accounts that were going to be difficult anyway.
Upflow documents the job in the ERP instead, in a NetSuite article, so the fee is raised where the ledger lives and Upflow reports on what happens next. For a team on NetSuite that is a workable split. For a team on Xero or QuickBooks Online it means the fee is manual.
- Biller Genie
- A charge, not interest. A single rule covers the account, the first charge lands at day 30, and it repeats every 30 days from there. Whether the amount can be a flat sum or a percentage is undocumented, and it is the same for every customer either way.
- Upflow
- Nothing native. The documentation routes late fees to the ERP, so the charge is created there and Upflow measures what follows rather than causing it.
Installments belong here rather than in a section of their own, because they follow the same pattern. A Biller Genie plan is requested by the customer through the portal and approved by the merchant, so the money has dates against it.
Upflow has no plans at all: only a promise to pay, detected automatically from the customer’s reply since December 2025, and ad-hoc partial payments allowed in the portal since August 2025. Both record an intention and leave the follow-up with a person.
Which accounts receivable software fits your use case?
Pick the row that matches the job in front of you. Each names the tool on this page that does that job and the reason from the sections above.
| Use case | Start with | Why |
|---|---|---|
| Invoicing, chasing and card and ACH payments in one tool | Biller Genie | Invoice delivery, six reminder types, a branded portal and named gateways such as USAePay and Authorize.Net |
| Collections reported by metric | Upflow | Countback DSO against best possible DSO, collection effectiveness and an at-risk rate above 90 days |
| Collecting less than about $78,000 a month | Biller Genie | On the last reported rate it costs less than Upflow’s last verified Grow price below that point |
| SMS reminders | Upflow | SMS is a workflow step; Biller Genie publishes no SMS channel |
| A ledger on QuickBooks Desktop or AccountingSuite | Biller Genie | Upflow lists no route for either |
| NetSuite or Sage Intacct, or billing in Stripe Billing or Chargebee | Upflow | Biller Genie does not list them |
Common questions
What buyers ask when a last-reported rate and an unpublished quote end up on the same shortlist: where the two lines cross, what the free tier includes, and which product charges anybody for being late.
Is Biller Genie or Upflow better?
They solve different halves of the job. Biller Genie sends the invoice, chases it, charges a late fee and takes the card or ACH payment, last reported at $49.95 a month plus 0.50% of invoices collected (now hidden, request a quote).
Upflow measures collections, applies no fee and is now quote-only (last reported at $440 for Grow and $880 for Scale in 2024).
How much do Biller Genie and Upflow cost?
Biller Genie was last reported by third-party listings at $49.95 a month, plus 0.50% of what it collects for you, with that percentage capped at $1,500; it now hides its prices, so request a quote. ACH and paper mail are billed separately.
Upflow publishes no price on any tier and quotes five tiers by gross invoice value; Grow was last verified at $440 a month and Scale at $880, and both are now quote-only.
At what point does Biller Genie cost more than Upflow?
On Biller Genie’s last reported rate and Upflow’s last verified Grow price of $440 a month, Biller Genie passes it at about $78,000 collected in a month, and passes the $880 Scale figure at about $166,000.
Below that Biller Genie is cheaper, and the gap is widest for a business collecting very little. The percentage stops growing at $1,500 a month, which is reached at $300,000 collected.
Do Biller Genie and Upflow apply late fees?
Biller Genie does, through the Late Fee Manager add-on. Nothing counts as late until day 30, and from there the charge repeats every 30 days under a single rule covering every customer. Upflow does not: its documentation points late fees back to your ERP, and there is no native calculation in the product.
Is Upflow’s free plan a trial?
No. The Discover tier is analytics and benchmarking only, with no collection automation, and Upflow states it is not a trial. The pricing FAQ mentions it, but it is not among the plan cards, so it is a way to see your own numbers rather than a way to test the chasing.
Do Biller Genie and Upflow send SMS reminders?
Upflow does, as one step type in a workflow alongside email and letter. Biller Genie does not publish an SMS channel at all: it sends email and, as a paid add-on, paper mail.
Which ledgers does each one reach?
QuickBooks Desktop is Biller Genie only, through a separate connector, and Upflow lists no Desktop route. On QuickBooks Online both connect, with Biller Genie syncing two ways through webhooks and Upflow pulling one way on a five-minute poll, landing payments in Undeposited Funds and capping custom fields at three text-only fields.
AccountingSuite is Biller Genie only; NetSuite, Sage Intacct, Stripe Billing, Chargebee and Zuora are Upflow only.
How these two prices were established
Neither vendor prints a price now, which is why every figure above carries a label saying where it came from.
Biller Genie’s site prints no price, so its numbers are the last reported by third-party listings: $49.95 a month, 0.50% of invoices collected, a $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.
One listing still showed three tiers at $19.95, $49.95 and $299.95, with percentages from 1.00% down to 0.25%, so the current plan structure is unconfirmed. It now hides its prices; request a quote.
Upflow prints nothing either, so its figures could not come from the vendor. The $440 Grow and $880 Scale rates are third-party figures, and they are labeled as such every time they appear rather than being presented as prices. Where a number could not be established at all, the cell says so instead of estimating one.
Ratings were read from Capterra, G2 and the Xero App Store with the count and the platform attached to each.
Biller Genie’s three scores disagree sharply, at 4.8 from 27, 3.0 from 4 and 2.33 from 3, and two of the three reviews behind the lowest score give 1 star. All three are printed rather than averaged, because the average would hide the thing worth knowing.
Neither company paid for its place on this page.
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