Let Your ERP Handle Transactions while Billtrust Empowers AR Automation

Enterprise Resource Planning (ERP) systems have long been the backbone of finance operations. They’re excellent tools for managing transactions, maintaining records, and supporting enterprise-wide operations. But when it comes to managing financial risk and customer relationships for accounts receivable (AR) organizations, even the most robust ERP systems can fall short in key areas like:

1. Holistic control and real-time data visibility
2. Compliance and delivery gaps
3. Manual collections and credit processes
4. Lack of AI and predictive intelligence for financial risk
5. Complexity in multi-ERP environments

This is when the ERP dilemma strikes: Should you customize your ERP system to meet AR needs, or invest in a purpose-built AR automation software that works with ERPs? If you’re struggling with this question, don’t miss our guide, “AR Automation: Customize Your ERP or Buy Software?”

In landing an answer, many finance leaders determine that their internal IT team isn’t prepared with the expertise and capacity to customize the ERP into a specialized AR system. Instead, they decide to augment their ERP with AR software.

That’s when they turn to Billtrust.

Augmenting Your ERP: Why Billtrust Is the Right Partner

Billtrust doesn’t replace your ERP system, rather it elevates it with AI-driven automation and insights purpose-built for finance teams. Augment your ERP with advanced capabilities delivering better visibility across every AR function, more invoicing and payment options, and hyper-flexible integrations — all surrounded by a superior service experience.

With 40+ connectors (including certified connections for SAP ECC and S/4HANA), Billtrust integrates seamlessly into your existing ERP system(s). Our solutions can migrate with your system upgrades. So when you’re ready to shift from ECC to S/4HANA, our solution ports over with minimal effort. Plus, our platform works with 260+ AP portals for instant electronic invoice delivery.

Here’s how Billtrust helps you build stronger customer relationships while your ERP handles the back-end transactions:

Invoicing that Delights

• Deliver electronic invoices to 260+ AP portals
• Ensure compliance with international tax mandates and eInvoicing requirements
• Offer branded payment portals for a seamless online client experiences and automation
• Offload manual work with print and mail services

More Payments Flexibility

• Accept multiple payment methods, including virtual credit cards
• Enable surcharging to offset credit card processing fees
• Maintain PCI DSS compliance without lifting a finger
• Use payment behavior analytics to refine financial strategies

Cash Applications Powered by AI

• Achieve up to 95% match rates with confidence-based matching
• Get granular line-item match rates to reduce exception handling
• Continuously improve with machine learning powering your AR automation

Collections and Credit 10X Faster

• Automate credit reviews and approvals for faster business growth
• Forecast cash flow with AI predictive intelligence
• Speed collections with Agentic Email and prioritize tasks based on invoice value

Unmatched AI Leadership

Billtrust’s AI is powered by the industry’s largest financial data network—processing over $1 trillion in payments annually. This gives our clients access to insights and benchmarking data that no other AR automation platform can match. Explore other ways Billtrust’s Agentic AI stands apart from startups.

“I would say that Billtrust is top tier when it comes to AI.”

Becki Hamilton, Sr. Manager Cash Applications, WillScot
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Ready to learn more about why ERPs aren’t always the best tool for enabling modern AR operations? This is where our eBook can give you all the insights. Here’s a quick look at the reasons why.

Where ERPs Fall Short of Accounts Receivable Automation

ERP systems are designed to be generalists. They’re built to manage a wide range of business functions, from procurement to payroll. But AR is a customer-facing financial function that demands agility, AI intelligence, and personalization. It’s not just about processing invoices; it’s about building trust and accelerating payments to optimize cash flow. While every ERP is different, here’s where many ERP systems struggle to meet the needs of modern AR teams:

1. Holistic Control and Real-Time Visibility

ERP systems often silo AR data across modules—like credit, collections, payments—making it difficult to get a real-time, holistic view of all events. This data fragmentation slows decision-making and weakens financial control.

Billtrust, by contrast, centralizes AR data into a unified ecosystem. This enables real-time insights, intelligent credit policies, and behavior-based payment strategies that strengthen customer relationships and reduce risk.

2. Compliance and Delivery Gaps

ERPs typically lack the agility needed to keep up with evolving eInvoicing regulations and global tax mandates. They also offer limited invoice delivery options and rarely integrate with third-party AP portals, making it difficult to cater to the needs of B2B buyers.

Billtrust fills these gaps with automated compliance tools, support for 260+ AP portals, and branded billing and payment portals that make it easier for customers and AR teams:

• Buyers can access and pay invoices or file disputes using digital online services
• AR teams can automate payment processing, PCI DSS compliance, and cash application matching procedures

3. Manual Collections and Credit Processes

Most ERPs rely on static reports and require collectors to send payment reminders and email follow-ups manually. Credit approvals are also rarely automated, resulting in slower approvals and credit line allocations.

Billtrust automates credit and collections processes with:  

• AI-driven workflows and task prioritization that speed responsiveness
• Virtual assistants helping collectors manage their email inbox and draft informed replies
• Real-time insight for performance management, buyer behavior trends, and predictive analytics

This not only accelerates payments and cash flow but also improves the customer experience by reducing delays in financial services.

4. Lack of AI and Predictive Intelligence for Financial Risk

ERPs may flag risks, but they rarely offer predictive insights or AI-generated recommendations. In contrast, Billtrust’s platform is powered by Agentic AI and acts like a financial autopilot, detecting anomalies, spotting trends in buyer payment behavior, forecasting cash flow, and guiding strategic decisions.

Imagine asking a ChatGPT-style assistant, “Which customers are most likely to delay payment next quarter?” and getting a data-driven answer. What if you had new ways to optimize your credit strategy, leveraging AI intelligence to extend credit to drive sales or pull back to minimize bad debt? Those are just a few examples of Billtrust’s groundbreaking AI advancements in AR.

5. Complexity in Multi-ERP Environments

If your company has grown through acquisitions, you likely have multiple ERP systems to manage. This compounds complexity and makes it nearly impossible to consolidate vast amounts of AR data and performance metrics. Without industry-wide standards for ERP data structures and reporting formats, integration is the only way to manage complex environments holistically.

Let Your ERP Take Care of Transactions and Billtrust Take Care of AR

AI-enabled AR isn’t just about getting paid. It’s about how you engage with your customers. It’s about delivering a personalized experience that builds trust and buyer confidence. Your ERP is great at managing transactions. But when it comes to managing customer relationships through AR operation, you need software that’s purpose-built for the job.

Let your ERP handle transactions. Let Billtrust handle your AR automation.