A financial relationship management platform that helps B2B finance teams get invoices paid faster with collections automation, a payment portal, and real-time AR dashboards.
upflow.io
Alternatives to
Lunos AI
Best alternatives to Lunos AI in 2026
Instead of hiring two separate people, one to chase money owed to you and another to pay the bills you owe, Lunos gives you AI agents that handle both sides of that job, working through Slack, email, or its own app. Lunos covers AR (collections, dispute resolution, cash application, invoice delivery) and AP, integrating with QuickBooks and NetSuite, accessible via Slack, email, or a web app. Pricing is transparent and tiered: Pay As You Go (0.3% commission on collections up to $5M, max 3 users), Growth ($15k/year for up to $10M in collectibles, unlimited users), and Enterprise (custom, for $10M-$1B+ in collections).
Quick comparison of Lunos AI alternatives
| # | Tool | Best for | Price |
|---|---|---|---|
| 1 | Équipes finance B2B qui gèrent les impayés et veulent réduire leur DSO, de la startup à l'entreprise établie | — | |
| 2 | CFO, contrôleurs de gestion et équipes AR d'entreprises mid-market à enterprise à fort volume de factures B2B | — | |
| 3 | Organisations enterprise avec un volume significatif de créances clients | — | |
| 4 | Startups financées, de la pré-amorçage à la Série C+, qui veulent externaliser compta et finance | — | |
| 5 | E-commerce, agences, freelances, marketing d'affiliation, santé, startups Web3, grossistes, agences de voyage | — | |
| 6 | Éditeurs de logiciels compta/RH, banques, émetteurs de cartes, prestataires de paie externalisée voulant intégrer la gestion de notes de frais sans la développer | — | |
| 7 | Équipes finance enterprise/mid-market, responsables voyages et équipes AP dans des entreprises multinationales | — | |
| 8 | Équipes trésorerie d'entreprises mid-market à grande taille avec opérations multi-entités, multi-banques et multi-devises | — | |
| 9 | Entreprises mid-market (10-250M$ de revenu) en santé, construction, manufacturing, services pro et IT | — | |
| 10 | Cabinets comptables, processeurs de paiement, entreprises gérant des prélèvements/virements SEPA, développeurs cherchant à automatiser | — | |
| 11 | Entreprises SaaS/e-commerce à facturation récurrente subissant des faux déclins de paiement | — | |
| 12 | Marchands Shopify/WordPress, créateurs, coachs, formateurs, instructeurs fitness et petites entreprises monétisant des événements | — |
#1
- ✓ Real free tier, not just a limited trial
- ✓ White-label customer payment portal (card, ACH, wire)
#2
An AI-driven order-to-cash platform that automates accounts receivable, cash application, and collections for enterprise finance teams.
tesorio.com
- ✓ AI-automated payment matching (cash application)
- ✓ Real-time cash flow forecasting
#3
An AI agent that autonomously handles accounts receivable — chasing payments, resolving disputes, and applying cash — instead of a human collections team doing it manually.
stuut.ai
- ✓ Autonomous AI agent, not just automated reminders
- ✓ Handles disputes and deductions, not only follow-ups
#4
An AI-powered bookkeeping and finance-ops platform that combines automated transaction categorization with real human accountants reviewing the books, for funded startups.
zeni.ai
- ✓ Combines AI with real human financial experts, not just software
- ✓ Full range: bookkeeping, fractional CFO, tax, payroll
#5
A business banking platform offering corporate cards, treasury tools, and crypto services for startups and small businesses, with a genuinely free starting tier.
slash.com
- ✓ Genuinely usable free tier
- ✓ Unlimited virtual cards even on the free plan
#6
A white-label expense management engine that banks, payroll platforms, and accounting software embed under their own brand instead of building expense tracking from scratch.
findity.com
- ✓ Card-agnostic — works with any existing bank card, no proprietary card program required
- ✓ AI receipt capture plus automatic mileage and per diem calculation
#7
Travel and expense management software combining expense tracking, travel booking, AP automation, and payments with AI-powered receipt processing across 100+ countries.
emburse.com
- ✓ Travel + expenses + AP + payments in one system
- ✓ Compliance coverage across 100+ countries
#8
An AI-powered treasury management platform giving finance teams real-time visibility into cash across multiple banks, entities, and currencies.
embat.io
- ✓ Real-time multi-bank/multi-entity/multi-currency cash visibility
- ✓ Automated bank reconciliation
#9
An all-in-one platform combining accounts payable, accounts receivable, cash flow forecasting, and expense management for mid-market finance teams.
centime.com
- ✓ AP, AR, cash forecasting, and expenses in one platform
- ✓ Billed by invoice volume, not per seat
#10
Turns an Excel or CSV file of payments into valid SEPA XML files for European bank transfers and direct debits — the file format banks require but that's painful to build by hand.
generatesepa.com
- ✓ Conversion Excel/CSV/JSON → XML SEPA valide en quelques clics
- ✓ Validation IBAN et génération de mandats de prélèvement
#11
A payment-recovery service that automatically re-attempts declined card charges through smarter routing, and only charges you a commission on the money it actually recovers.
smartretry.com
- ✓ Tarification 100% à la performance
- ✓ Distingue déclins récupérables et non-récupérables
#12
Ecommerce + scheduling platform letting Shopify and WordPress merchants sell appointments, events, and training alongside products.
servv.ai
- ✓ Intégration native Shopify/WordPress
- ✓ Configuration IA des événements
FAQ about Lunos AI alternatives
- What is the best alternative to Lunos AI in 2026?
- Based on our selection, Upflow is the best alternative to Lunos AI in 2026. A financial relationship management platform that helps B2B finance teams get invoices paid faster with collections automation, a payment portal, and real-time AR dashboards.. See our full ranking above to compare all options.
- Is Lunos AI free?
- Lunos AI is a paid tool. Several alternatives in our selection offer free or freemium versions.
- How many alternatives to Lunos AI are there?
- mySelectas has listed 12 alternatives to Lunos AI in the Payments, Billing & Ops category. Our selection is updated regularly to include the best options available.