Lunos Alternative: When a Phone-First AI Collections Agent Fits Better
How Abivo and Lunos differ for AR teams with 3 or more collectors, and which fits a team whose time goes into follow-up calls.
Sia Ghazvinian
Co-Founder & CEO
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Lunos is an AI platform for accounts receivable that covers collections, disputes, cash application, AP portal uploads and payments, with autonomy modes you set per customer. Teams usually look for a Lunos alternative when most of their collectors' week goes into phone follow-up, or when they want an agent that calls, texts and emails customers today and hands their own people only the accounts that need judgment. This page explains how Abivo and Lunos differ so you can tell which one fits.
Disclosure: Abivo is our product. Facts about Lunos come from Lunos's own website as of October 2026.
Short answer: both products use AI agents for collections. Choose Lunos if you want collections, dispute management, cash application and AP portal uploads in one AI platform, with Monitor, Suggest and Act modes per customer. Choose Abivo if your biggest cost is routine follow-up, especially phone follow-up, and you want an AI agent that calls, texts and emails customers about overdue invoices now.
Abivo vs Lunos at a glance
Abivo | Lunos | |
|---|---|---|
Core idea | AI collections agent that does the follow-up | AI partner for receivables across collections, portals and cash application |
Outreach channels | Phone, text and email | Two-way email; Lunos says AI phone calls, letters and text messages are coming soon |
Control | Cadence per account or segment, pause a single invoice, flag accounts to a named owner | Monitor, Suggest or Act modes, set per customer |
Beyond collections | Dashboards, aging, alerts, audit trail | Dispute management, cash application, AP portal uploads, payment orchestration, cash flow forecast |
ERP and accounting | NetSuite, Sage Intacct, Microsoft Dynamics 365, SAP, QuickBooks, Xero, Chargebee, CSV | NetSuite, QuickBooks, Xero, Sage, Salesforce, HubSpot, Stripe |
Best for | AR teams with 3 or more collectors whose week goes into routine follow-up | Finance teams that want several AR workflows run by AI agents in one platform |
Where Lunos is the better fit
- You want cash application, dispute management and AP portal uploads in the same platform as collections.
- You want to move each customer gradually from monitoring to suggestions to automatic action.
- Your customers respond well to email and you do not need phone follow-up today.
Where Abivo is the better fit
- Your collectors spend the week on the phone. Kate calls, texts and emails customers about overdue invoices in your brand, on a steady cadence, and logs every conversation with an outcome.
- You want control over sensitive accounts. Set cadence per account or segment, pause follow-up on one invoice, and flag accounts so sensitive replies go to a named owner.
- Your customers need specifics. Reminders name the job, site, PO or billing period, and one message can cover all open invoices on an account.
- You want a clean handoff. Disputes, refusals and requests to speak to someone go to your team. Your collectors can pause or take over any customer at any time.
At OFS Group, a fire protection company, the team went from four collectors on the phones to one while recovering $842,518 in four months and cutting DSO by more than 30 days. Read the OFS Group case study.
Other Lunos alternatives worth a look
See our comparisons of Monk, Upflow, Chaser and Kolleno, and our guide to the best collections software for AR teams with 3 or more collectors.
Frequently asked questions
Does Abivo make phone calls?
Yes. Kate calls, texts and emails customers about overdue invoices and hands disputes to your team.
Can I use Abivo with NetSuite or QuickBooks?
Yes. Abivo connects to NetSuite, Sage Intacct, Microsoft Dynamics 365, SAP, QuickBooks, Xero, Chargebee and CSV.
Is Abivo a fit for a team of three or more collectors?
Yes. That is where routine follow-up takes the most hours, and where Kate frees collectors for disputes and key accounts.
Want to see Kate on your own open invoices? Book a demo.
