Billing & AR is a core operational responsibility of the modern finance function, included as a key category within the "Operations" pillar of CFO Techstack's interactive App Map 2.0.
Billing and Accounts Receivable supports consistent cash collection as businesses scale, including the creation of invoices and managing customer billing.
This category covers apps that automate billing and subscription workflows, streamline payment collection, and manage collections on overdue invoices while maintaining clear visibility over receivables.
To help identify the best apps for Billing & AR, State of the Stack 2026 provides the following:
- Featured App: The app with the highest number of appearances in our How I Stacked It case study series.
- Notable Mentions: Other high-performing apps frequently cited by our community.
Featured App: GoCardless
In the Billing & AR category we’re delighted to recognise GoCardless as our Featured App, appearing in 7 tech stacks to date.
GoCardless's consistent presence across real finance leader tech stacks is a strong signal of the role they’re playing in helping teams scale billing & AR processes with Xero + Mayday at their core.
Below, GoCardless shares how they’re helping finance teams:
“GoCardless for Xero helps finance teams scale by turning invoicing into predictable, automated bank payments.
GoCardless is a global bank payment company. Each year we process US$130bn+ of payments across 30+ countries through direct debit, real-time payments and open banking. We help customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees.
Our partner integrations with accounting and billing software such as Xero allow businesses to automatically collect payments directly within the platforms you use everyday.
This makes billing and reconciliation a breeze, freeing up valuable time so you can focus on what you do best.
Tom Metcalfe, Director of Global Partnerships at GoCardless, said:
'We’re incredibly excited to be part of the ecosystem. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments. By connecting into other innovative, API-first platforms like Mayday, we can bring seamless, secure and cost-effective bank payments to everyone.'"
We’re also pleased to recognise Stripe, Maxio and Chaser as notable mentions, featured in 6, 5 and 3 tech stacks respectively.
Modern finance teams can leverage these Billing & AP apps to reduce manual follow-ups and build a scalable, low-friction receivables engine that grows alongside the business without adding operational complexity.
This article is an extract from CFO Techstack's State of the Stack 2026.
Read the full report by downloading it here.
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