Lunos
Multi-agent accounts-receivable suite (collections, disputes, cash application, and payment orchestration) with three autonomy modes, Slack-native.
Lunos is a multi-agent accounts-receivable suite covering collections, disputes, cash application, payment orchestration, and AP-portal uploads, with two-way conversational AI and three autonomy modes (Monitor, Suggest, Act), all Slack-native. It integrates NetSuite, QuickBooks, Xero, Sage, Salesforce, and HubSpot; founded by an ex-GoCardless founder on a $5M pre-seed, with a free tier and a Team tier at 0.3% of collected revenue.
Vendor details
Canonical URL
https://lunos.ai
Category
Enterprise operations agent
Subcategory
Finance — AR automation (multi-agent)
Use cases & customers
Primary use cases
Target customers
Deployment options
In practice
Your AR team chases overdue invoices one email at a time. Lunos runs collections with conversational AI, working the follow-ups across your customer base.
You're not ready to let AI act on receivables unsupervised. Lunos offers three autonomy modes, Monitor, Suggest, and Act, so you decide how much it does on its own.
Matching incoming payments to invoices is tedious month-end work. Lunos handles cash application and payment orchestration, reconciling what came in against what's owed.
Agentic Index coverage score
8.0 / 14 capabilities · 57%
| Integrations & Tool CallingThe platform integrates with accounting systems including QuickBooks, NetSuite, Xero and Sage Intacct plus CRMs and communication tools, syncing ERP, CRM and email into a single view and writing clean journal entries back to the ERP, Lunos founder interview 2026-07-22 and cash application page 2026-07-22 | Full |
|---|---|
| Workflow OrchestrationLunos runs a team of agents each trained on a specific part of receivables and working together, automating collections end to end by sending reminders, managing two way customer conversations, tracking payment promises, and escalating to humans when needed, with the cash application agent auto matching clear payments and syncing journal entries to the ERP, Lunos finance agents overview 2026-06-02 and founder interview 2026-07-22 | Full |
| Knowledge Grounding & RAGLunos syncs ERP, CRM and email into a single view so every message is grounded in actual relationship history and payment intent, with agents reading customer histories and pulling context from across connected systems before acting, Lunos collections analysis 2026-06-02 | Full |
| Human Oversight & GuardrailsCustomers choose between three explicit operating levels, running Lunos in Monitor, Suggest, or fully autonomous Act Mode, and agents escalate issues to humans when needed while keeping the team in control through Slack, Lunos founder interview 2026-07-22 and collections analysis 2026-06-02 | Full |
| Security, Identity & GovernanceNo security attestations, identity controls, or agent permission model was retrieved in this pass, Lunos product pages 2026-07-22 | Unable to verify |
| Observability & AuditabilityEvery payment promise is tracked and surfaced without manual oversight and the team stays in the loop through Slack, but agent run tracing, execution logging, or a decision audit trail was not documented, Lunos collections analysis 2026-06-02 | Partial |
| Memory & State PersistenceAgents read customer histories, adapt tone and timing per relationship, track every payment promise, and are described as working around the clock without forgetting anything, so conversational and commitment state persists across a customer relationship, Lunos launch coverage 2025-10-07 and collections analysis 2026-06-02 | Full |
| Deployment & Data ResidencyNo deployment options, regional hosting, or data residency controls were retrieved in this pass, Lunos product pages 2026-07-22 | Unable to verify |
| Prebuilt Agents, Templates & PacksNamed agents ship across the receivables and payables lifecycle covering collections, dispute management, reconciliation and cash application, AP portal uploads, payment orchestration, and accounts payable, each trained on a specific part of the process, Lunos product pages 2026-07-22 | Full |
| Triggers & Channel CoverageAgents work across email, phone calls and Slack alongside the web application, analyze every customer every day, and the dispute agent picks up disputes the moment they arrive rather than on a schedule, Lunos finance agents overview 2026-06-02 and launch coverage 2025-09-30 | Full |
| Model Flexibility & RoutingNo customer facing model choice, routing, or bring your own model capability was retrieved in this pass, Lunos product pages 2026-07-22 | Unable to verify |
| APIs, SDKs & MCP ExtensibilityLunos states it plans to create an embeddable agent that accounting, invoicing and CRM providers can put inside their own products, but that is stated as a plan rather than shipped and no API, SDK, or MCP surface was retrieved, Lunos launch coverage 2025-09-30 | Unable to verify |
| Testing, Debugging & OptimizationNo agent testing, simulation, or versioning tooling was retrieved in this pass, Lunos product pages 2026-07-22 | Unable to verify |
| Browser & Computer UseLunos ships an AP portal uploads agent that submits invoices into customers' own accounts payable portals on the seller's behalf, which is third party portal operation, but the underlying mechanism and any general browser or computer use capability were not documented, Lunos product pages 2026-07-22 | Partial |
The Agentic Index coverage score grades every vendor Full, Partial or Unable to verify against the same 14 buyer facing capabilities, from public evidence only. Each capability links to how all vendors in the index score on it. How this evidence is graded
Pricing
Starter $0 base (Suggest free first $100K collected/mo, then 0.3% on collections in Act mode) · Pro $200/mo + 0.3% · Enterprise custom
usage
Included quota
Starter/Team ($0 base): Monitor mode free (no AI actions); Suggest Mode free for first ~$100K collected/mo, then 0.3% on collected revenue (Act mode); core AR agent across email. Pro ($200/mo + 0.3%): Slack support, added configuration options. Enterprise (custom): multi-entity, tailored AI behavior, dedicated onboarding.
What is public
Lunos (lunos.ai - AI accounts-receivable (AR) collections agent: an autonomous 'AI coworker' that reads/responds to customer emails, runs follow-ups/collections, finds finance contacts, and handles disputes; 3 autonomy modes - Monitor/Suggest/Act; integrates NetSuite/QuickBooks/Xero/Sage/Salesforce/HubSpot/Slack/payment tools) publishes a revenue-share model. Starter: no monthly fee - Monitor mode free (no AI actions); Suggest Mode free for the first ~$100K collected each month; the 0.3% fee on collected revenue applies in Act mode ('start free, only pay when Lunos collects'). Pro: $200/mo + 0.3% on collected revenue (Slack support, more config). Enterprise: custom (multi-entity, tailored AI, volume discounts, onboarding).
Billing mechanics
Revenue-share / usage-based: a 0.3% fee on revenue Lunos collects in Act mode (no per-seat fees). Starter has no monthly platform fee (Monitor free; Suggest free for the first ~$100K collected/mo); Pro adds a $200/mo base on top of the 0.3%. Enterprise is custom-quoted with volume discounts.
Cost watchouts
Fee is a % of collected revenue - high-collections months cost more; Pro adds a $200/mo base; Enterprise volume discounts via sales.
Variable cost rationale
Cost is success-aligned - 0.3% of what Lunos collects - so exposure scales with AR volume, not seats.
Additional watchouts
Revenue-share model means cost tracks collections volume (not a flat SaaS line); confirm the exact free threshold + Enterprise rate for your AR volume.
Overage / add-ons
0.3% fee applies to collected revenue (Act mode) above the free Suggest threshold (~$100K/mo); cost scales directly with collections volume.
Sales call required
Mixed (some tiers require a call)
Commercial notes
AI AR-collections 'coworker' (founded by Duncan Barrigan, ex-GoCardless); targets finance teams (500-50,000 invoices/mo); competes with HighRadius, Upflow, Tabs, Growfin, Tesorio, Billtrust
Key ambiguities
Exact free-threshold framing varies by source (first ~$100K collected/mo on Suggest Mode vs 'start free, only pay when Lunos collects'); the 0.3% applies in Act mode; Enterprise rate negotiated.
Cancellation / refund
Starter is free to start (Monitor/Suggest; pay 0.3% only when Lunos collects in Act mode); Pro is self-serve $200/mo + 0.3%; Enterprise custom.
Support SLA / resale
Native integrations (NetSuite, QuickBooks, Xero, Sage, Salesforce, HubSpot, Slack, payment providers); Slack-based control; 3 autonomy modes
Missing data
Enterprise is custom (multi-entity, tailored AI, volume discounts). The 0.3% fee applies in Act mode (autonomous collection); Monitor mode is free (no AI actions) and Suggest mode is free for the first ~$100K collected/mo. Cost scales directly with collections volume rather than seats.
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Alternatives to Lunos
The closest documented capability profiles to Lunos among enterprise operations agents tracked by Agentic Index, ordered by similarity on the same 14 point evidence the rankings use. No vendor pays for placement.
- Bretton AI8.5 / 14Adds documented Security, Identity & Governance
- Town8.5 / 14Adds documented Security, Identity & Governance and Model Flexibility & Routing
- Basis6.0 / 14A lighter documented profile than Lunos
- Blue Yonder8.0 / 14Adds documented Security, Identity & Governance and Testing, Debugging & Optimization
- Polymr7.0 / 14Adds documented Security, Identity & Governance
- Ramp6.0 / 14A lighter documented profile than Lunos
Similarity is computed from each vendor's Agentic Index coverage score evidence, axis by axis, not from the totals. How this evidence is graded