Billtrust vs Gaviti

AR & collections head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.

	Billtrust	Gaviti
Starting price	Annual subscription plus payment processing, quote-based	Tiered subscription (Standard, Pro, Expert), billed annually
Deployment	Cloud	Cloud
Company size	—	—
Stated ERP integrations	NetSuite, SAP, Oracle Fusion Cloud, Microsoft Dynamics 365, Infor	NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct
Vendor	Billtrust	Gaviti

Our take

Where Billtrust leads

Stronger evidenced coverage on 11 of the 24 capabilities where they differ (led by straight-through cash posting and electronic invoice delivery).
Stated Oracle Fusion Cloud, Infor integration the alternative doesn't list.

Where Gaviti leads

Stronger evidenced coverage on 13 of the 24 capabilities where they differ (led by customer/account segmentation and collector task & workflow management).
Stated Sage Intacct integration the alternative doesn't list.

Where they differ

The 24 capabilities (of 52 in the AR & collections taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.

Capability	Billtrust	Gaviti
Customer/account segmentationCollections Management	Not evidenced	Core strength Customer segmentation for tailored collection strategies
Collector task & workflow managementCollections Management	Not evidenced	Core strength Collections activity tracking and audit trail
Straight-through cash postingCash Application	Core strength Straight-through posting for high-confidence matches	Not evidenced
Electronic invoice deliveryInvoicing & AP Portal Delivery	Core strength AI-driven invoice generation; delivery via email, portal, print/mail	Not evidenced
AP portal / buyer network deliveryInvoicing & AP Portal Delivery	Core strength Delivery to 260+ AP portals	Not evidenced
DSO / CEI dashboardsAnalytics & Forecasting	Not evidenced	Core strength DSO and collections KPI dashboards
Cash flow / receivables forecastingAnalytics & Forecasting	Not evidenced	Core strength
AI-driven collector prioritizationCollections Management	Core strength AI-driven collections workload prioritisation	Partial Collector task prioritization and worklists; not explicitly described as AI-driven
Partial and bulk payment handlingCash Application	Not evidenced	Supported
Deduction reason-code classificationDispute & Deduction Management	Not evidenced	Supported Automated deduction code recognition; deduction categorization
AutoPay / scheduled paymentsCustomer Self-Service & Payments	Not evidenced	Supported Autopay setup
Surcharge & interchange fee managementCustomer Self-Service & Payments	Not evidenced	Supported Zero-fee ACH and credit card processing
Customizable invoice templatesInvoicing & AP Portal Delivery	Supported	Not evidenced
E-invoicing compliance (Peppol / clearance)Invoicing & AP Portal Delivery	Supported Peppol and e-invoice clearance network support	Not evidenced
Aging & risk reportingAnalytics & Forecasting	Not evidenced	Supported Aging and risk reporting
Collector performance analyticsAnalytics & Forecasting	Supported Collections performance analytics	Not evidenced
Generative-AI assistantAI & Automation Platform	Not evidenced	Supported AI assistant for workflow and customer insights
Agentic AI workflowsAI & Automation Platform	Supported AI agents for high-volume collections email handling	Not evidenced
NLP email classificationAI & Automation Platform	Supported AI agents handling high-volume collections email	Not evidenced
Multi-channel outreachCollections Management	Supported Automated reminders and dunning sequences	Partial Personalized reminder workflows; multi-channel breadth (SMS/calls) not documented
Credit risk scoringCredit Management	Core strength Predictive credit risk scoring	Supported Customer credit risk scoring
Dispute & deduction loggingDispute & Deduction Management	Supported Customer self-service dispute and query tools	Core strength Dispute logging and routing
Cross-team resolution workflowDispute & Deduction Management	Partial Customer-facing dispute submission; full cross-team workflow not detailed	Supported Dispute submission and resolution workflow; resolution tracking
Multiple simultaneous ERP connectionsPlatform & ERP Connectivity	Supported Connectors span SAP, Oracle, NetSuite, Dynamics and Infor	Core strength Support for connecting multiple ERPs simultaneously

Both grade identically on the other 28 capabilities — see each product's full profile: Billtrust, Gaviti.

Billtrust vs Gaviti — FAQs

Is Billtrust or Gaviti better for ERP integration?

Both state integrations with NetSuite, SAP, Microsoft Dynamics 365. Billtrust additionally lists Oracle Fusion Cloud, Infor. Gaviti additionally lists Sage Intacct. Always verify the connector against your ERP version with a reference customer.

Which is cheaper, Billtrust or Gaviti?

Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.

Get pricing for both

Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Billtrust and Gaviti should each cost you — and whether a third option belongs on your shortlist.

Related comparisons

Billtrust vs Gaviti

AR & Collections — full capability comparison

erpresearch.com · Independent ERP software comparison
erpresearch.com/erp-add-ons/ar-collections/billtrust-vs-gaviti

	Billtrust	Gaviti
Starting price	Annual subscription plus payment processing, quote-based	Tiered subscription (Standard, Pro, Expert), billed annually
Deployment	Cloud	Cloud
Company size	—	—
Stated ERP integrations	NetSuite, SAP, Oracle Fusion Cloud, Microsoft Dynamics 365, Infor	NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct
Vendor	Billtrust	Gaviti

Collections Management

Capability	Billtrust	Gaviti
Automated collections workflows	Core strength — AI-driven collections workflows and prioritisation	Core strength — Automated, personalized payment reminder workflows
AI-driven collector prioritization	Core strength — AI-driven collections workload prioritisation	Partial — Collector task prioritization and worklists; not explicitly described as AI-driven
Customer/account segmentation	Not evidenced	Core strength — Customer segmentation for tailored collection strategies
Multi-channel outreach	Supported — Automated reminders and dunning sequences	Partial — Personalized reminder workflows; multi-channel breadth (SMS/calls) not documented
Promise-to-pay tracking	Not evidenced	Not evidenced
Collector task & workflow management	Not evidenced	Core strength — Collections activity tracking and audit trail
Payment plans / instalments	Not evidenced	Not evidenced
Managed / outsourced AR service	Not evidenced	Not evidenced

Cash Application

Capability	Billtrust	Gaviti
Multi-channel remittance capture	Core strength — Remittance data capture across formats and channels	Core strength — Remittance data capture from multiple payment channels
AI-based payment-to-invoice matching	Core strength — Confidence-based AI/ML payment-to-invoice matching	Core strength — AI-driven payment-to-invoice matching
Straight-through cash posting	Core strength — Straight-through posting for high-confidence matches	Not evidenced
Exception handling workbench	Supported — Exception queue and workbench for low-confidence matches	Supported — Exception queue for unmatched or partial payments
Partial and bulk payment handling	Not evidenced	Supported
Multi-currency cash application	Not evidenced	Not evidenced
Automated ERP cash/GL posting	Supported — Automated payment reconciliation with the ledger	Supported — Near-real-time sync of invoices, payments and customer data

Credit Management

Capability	Billtrust	Gaviti
Credit risk scoring	Core strength — Predictive credit risk scoring	Supported — Customer credit risk scoring
Digital credit application workflow	Supported — Automated credit application workflows	Supported — Credit application workflows
Credit bureau / insurer integration	Not evidenced	Not evidenced
Credit limit monitoring & alerts	Supported — Credit limit monitoring and alerts	Supported — Credit limit monitoring
Order hold/release automation	Not evidenced	Not evidenced

Dispute & Deduction Management

Capability	Billtrust	Gaviti
Dispute & deduction logging	Supported — Customer self-service dispute and query tools	Core strength — Dispute logging and routing
Deduction reason-code classification	Not evidenced	Supported — Automated deduction code recognition; deduction categorization
Cross-team resolution workflow	Partial — Customer-facing dispute submission; full cross-team workflow not detailed	Supported — Dispute submission and resolution workflow; resolution tracking
Backup documentation retrieval	Not evidenced	Not evidenced
Root-cause dispute analytics	Not evidenced	Not evidenced

Customer Self-Service & Payments

Capability	Billtrust	Gaviti
Self-service customer payment portal	Core strength — Online Buyer Payment Portal for self-service payment	Core strength — Self-service invoice visibility
Online payment acceptance	Core strength — Card, ACH and other B2B payment types	Core strength — Zero-fee ACH and credit card payment acceptance
AutoPay / scheduled payments	Not evidenced	Supported — Autopay setup
Multiple payment method support	Supported — Business Payments Network for processing	Supported — ACH and credit card
Surcharge & interchange fee management	Not evidenced	Supported — Zero-fee ACH and credit card processing
White-labelled / branded portal	Not evidenced	Not evidenced

Invoicing & AP Portal Delivery

Capability	Billtrust	Gaviti
Electronic invoice delivery	Core strength — AI-driven invoice generation; delivery via email, portal, print/mail	Not evidenced
AP portal / buyer network delivery	Core strength — Delivery to 260+ AP portals	Not evidenced
Recurring / subscription billing	Not evidenced	Not evidenced
Customizable invoice templates	Supported	Not evidenced
E-invoicing compliance (Peppol / clearance)	Supported — Peppol and e-invoice clearance network support	Not evidenced

Analytics & Forecasting

Capability	Billtrust	Gaviti
DSO / CEI dashboards	Not evidenced	Core strength — DSO and collections KPI dashboards
Cash flow / receivables forecasting	Not evidenced	Core strength
Aging & risk reporting	Not evidenced	Supported — Aging and risk reporting
Collector performance analytics	Supported — Collections performance analytics	Not evidenced
Custom report builder	Not evidenced	Not evidenced
Peer benchmarking	Not evidenced	Not evidenced

AI & Automation Platform

Capability	Billtrust	Gaviti
Generative-AI assistant	Not evidenced	Supported — AI assistant for workflow and customer insights
Agentic AI workflows	Supported — AI agents for high-volume collections email handling	Not evidenced
Payment behavior prediction	Not evidenced	Not evidenced
NLP email classification	Supported — AI agents handling high-volume collections email	Not evidenced

Platform & ERP Connectivity

Capability	Billtrust	Gaviti
Prebuilt ERP connectors	Core strength — 40+ direct/certified ERP and bank connectors; certified SAP ECC/S4HANA connectivity	Core strength — Direct API pulls for cloud ERPs; SFTP/email ingestion for on-premise ERPs
Multiple simultaneous ERP connections	Supported — Connectors span SAP, Oracle, NetSuite, Dynamics and Infor	Core strength — Support for connecting multiple ERPs simultaneously
Open API / developer platform	Not evidenced	Not evidenced
CRM integration	Not evidenced	Not evidenced
Multi-entity / multi-currency support	Not evidenced	Not evidenced
iPaaS / integration-platform connectivity	Not evidenced	Not evidenced

“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo. Sourced from vendor documentation and marketplaces; verify against your ERP version. © ERP Research — independent, no vendor sponsorship.