How much does Lunos cost?

Pay as you go at 0.3% of collections with no base fee; Growth $15,000 a year up to $10 million collected; Enterprise quoted.

Does Lunos have SOC 2, SSO and role based access control?

Full under the Agentic Index verification standard. Lunos publishes public evidence of enterprise security and identity controls, covering a compliance posture such as SOC 2 or ISO 27001, single sign on (SSO or SAML), and role based access control (RBAC). Evidence basis: A SOC 2 Type 2 attested badge sits in the site footer next to a Vanta trust center at trust.lunos.ai, and the product FAQ states SOC 2 compliance with encryption in transit and at rest and no training on customer data. Sign in through the c. Graded from public evidence only against the Agentic Index 14 point capability taxonomy. No vendor pays for placement.

Does Lunos require human approval before an agent acts?

Full under the Agentic Index verification standard. Lunos publishes public evidence of human approval steps and guardrails, so an agent action can be held for review before it executes. Evidence basis: The customer sets the autonomy level per customer account across three named modes, Monitor, Suggest and Act, and the FAQ documents the mechanism: in Suggest mode every action requires approval, in Act mode the customer chooses which action. Graded from public evidence only against the Agentic Index 14 point capability taxonomy. No vendor pays for placement.

Does Lunos give you tracing and observability into agent runs?

Partial under the Agentic Index verification standard. Lunos publishes some public evidence of logging or observability, but narrower than full tracing and auditability across agent runs. Evidence basis: The customer can see what the agents did: every message is a real email in a two way thread, promises are turned into records, outcomes are recorded back in the ERP, and any action can be reviewed, adjusted or overridden, with the team loop. Graded from public evidence only against the Agentic Index 14 point capability taxonomy. No vendor pays for placement.

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Lunos

Q: What are the best alternatives to Lunos?

Based on documented capability coverage across the Agentic Index 14 point taxonomy, the closest alternatives to Lunos among enterprise operations agents are Kinter, Alloy.ai, Docyt, Maxima AI. Each is graded on the same public evidence, and no vendor pays for placement.

Also known as: Lunos AI, Lunos Inc.

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Enterprise operations agentindependentVerified 2026-09-07

Entry priceNo base fee; 0.3% of collections (Pay as you go)Full pricing detail

Multi-agent accounts-receivable suite (collections, disputes, cash application, and payment orchestration) with three autonomy modes, Slack-native.

Lunos is a team of AI agents that runs business to business accounts receivable the way an experienced AR professional would, across a company's existing stack rather than replacing it. Its agents cover the full receivables lifecycle and each handles a specific part while sharing context: an outreach agent chases every account with personalized two way messages and can find new finance contacts, a triage agent reads every incoming reply and works out what needs action, an updates agent turns replies into tracked promises and records, and a dispatch agent gets the right colleague on the case.

Dispute agents detect a dispute the moment it arrives, assemble the context and drive it to resolution. On the cash side, allocation and cash application agents match payments to customers and invoices, ask the customer directly when a payment is ambiguous rather than guessing, and sync clean journal entries back to the ERP. Portal agents learn how each customer wants to be invoiced, obtain access to their AP portals, submit each invoice the way that portal wants and confirm it landed, and payment orchestration agents move payers onto better rails across card, ACH and bank to bank.

An accounts payable agent runs the inbox from the other side. Control is explicit and per customer: the buyer chooses Monitor, Suggest or Act for each account, with every action requiring approval in Suggest mode and selected action types auto approved in Act mode, and any action can be reviewed, adjusted or overridden. Lunos connects to NetSuite, QuickBooks, Xero and Sage, Salesforce and HubSpot, Slack, email and payment providers, and is set up in an afternoon rather than as an implementation project.

It is SOC 2 Type 2 attested, encrypts in transit and at rest, and does not train on customer data, with SSO via Okta or any SAML provider on the Enterprise plan. Founded in 2024 in New York by Duncan Barrigan, formerly chief product officer at GoCardless, it raised a $5 million pre-seed co-led by General Catalyst and Cherry Ventures. Pricing starts with no base fee at 0.3% of collections, with a $15,000 annual plan above it. It does not publish an API, customer chosen models, or a deployment or residency option.

Vendor details

Canonical URL

https://www.lunos.ai

Subcategory

Finance — AR automation (multi-agent)

Company status

independent

Use cases & customers

Primary use cases

accounts-receivable automationcollectionscash applicationpayment orchestration

Target customers

finance teamsAR teams

Deployment options

SaaS

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

7.5 / 14 capabilities · 54%

Integrations & Tool Calling	Full
Named connections run to NetSuite, QuickBooks, Xero and Sage on the ERP side, Salesforce and HubSpot on the CRM side, plus Slack, email and payment providers, with custom integrations into the customer's own systems on the Enterprise plan. Agents act rather than read: they send outreach and replies from the customer's own email domain, take payments by card, ACH or bank to bank, obtain access to third party AP portals and submit invoices into them, and sync clean journal entries back to the ERP. SourceLunos, lunos.ai/ai-accounts-receivable-agents and lunos.ai/pricingread 2026-09-07
Workflow Orchestration	Full
Specialized agents work together across the full receivables lifecycle, sharing context and handing off: Triage reads an incoming reply and works out what needs action, Updates records the promise, Dispatch gets the right colleague on the case and keeps it moving, Resolution and Liaison drive a dispute to closure, and the cash application chain matches, applies and confirms before syncing journal entries to the ERP. The vendor frames this as agents that do the work rather than workflow software that speeds a person up, and each agent runs independently while sharing context when used together. SourceLunos, lunos.ai/ai-accounts-receivable-agents and lunos.ai/pricingread 2026-09-07
Knowledge Grounding & RAG	Partial
Lunos syncs the customer's ERP, CRM, email and payment providers into a single live AR picture, and agents read the context behind each account, payment history, open invoices and past conversations, before deciding what to do. That is a unified operational view assembled from connected systems and queried per customer. The view is the application's own data layer rather than a maintained retrieval structure over a knowledge corpus; no index, graph or embeddings layer is named anywhere, and nothing describes ingesting customer documents or policies into a queryable store. SourceLunos, lunos.ai/ai-accounts-receivable-agentsread 2026-09-07
Human Oversight & Guardrails	Full
The customer sets the autonomy level per customer account across three named modes, Monitor, Suggest and Act, and the FAQ documents the mechanism: in Suggest mode every action requires approval, in Act mode the customer chooses which action types are auto approved, and any action can be reviewed, adjusted or overridden. The pricing table lists you set what Lunos can do on its own as a feature on every tier, and agents escalate to a named colleague through the Dispatch agent and loop the team in over Slack. That is a configurable approve before send gate, scoped per account, on Lunos's own surface. SourceLunos, lunos.ai/ai-accounts-receivable-agents and lunos.ai/pricingread 2026-09-07
Security, Identity & Governance	Full
A SOC 2 Type 2 attested badge sits in the site footer next to a Vanta trust center at trust.lunos.ai, and the product FAQ states SOC 2 compliance with encryption in transit and at rest and no training on customer data. Sign in through the customer's identity provider is documented too: the pricing page names SSO via Okta or any SAML provider on the Enterprise plan, alongside multiple ledgers and portfolios split across users and per customer autonomy settings governing what agents may do on their own. Single sign on is on the Enterprise plan only, and because the trust center could not be read, the attestation rests on the vendor's own footer and FAQ. SourceLunos, lunos.ai/pricing and lunos.ai/ai-accounts-receivable-agentsread 2026-09-07
Observability & Auditability	Partial
The customer can see what the agents did: every message is a real email in a two way thread, promises are turned into records, outcomes are recorded back in the ERP, and any action can be reviewed, adjusted or overridden, with the team looped in over Slack. Board ready reporting covers DSO trends, aging breakdowns and root cause analysis. No record of why an agent acted, run trace, execution log or decision audit trail over agent behavior is documented; the reporting described is about the receivables book rather than about the agents, and seeing what happened is not reconstructing why. SourceLunos, lunos.ai/ai-accounts-receivable-agentsread 2026-09-07
Memory & State Persistence	Not documented
Agents read customer histories, adapt tone per relationship, track payment promises and work without forgetting anything, the vendor says, but no memory layer with a stated scope and lifetime is documented, and nothing states where memory lives or how a buyer deletes it for one customer. Getting smarter every day describes learning absorbed into the agents. The promises, replies and conversation records the Updates agent turns into records are the receivables data the product exists to maintain, so deleting them would delete the AR record, and the context agents share across the lifecycle is part of how they hand work to one another. SourceLunos, lunos.ai/ai-accounts-receivable-agentsread 2026-09-07
Deployment & Data Residency	Not documented
No hosting region, customer environment option or selection surface is published. The product, pricing and agent pages describe a hosted service connecting to the customer's ERP, CRM, email and payment providers and say nothing about where data sits, and the Vanta trust center at trust.lunos.ai could not be read. SourceLunos, trust.lunos.ai and lunos.airead 2026-09-07
Prebuilt Agents, Templates & Packs	Full
A named set of agents ships across the receivables and payables lifecycle, each doing its own job: Outreach chases customers and finds new contacts, Triage reads every email and works out what needs action, Updates turns replies into promises and records, Dispatch routes to the right colleague, Resolution and Liaison work disputes, Allocation matches payments to customers, Cash app applies them to invoices, Confirmation asks the customer when unsure, Onboarding learns how each customer wants to be invoiced, Set up obtains portal access, Upload submits invoices, and Optimization moves payers onto better rails. The FAQ says customers can start with one agent and add more later, and each works independently while sharing context when used together. SourceLunos, lunos.ai/pricing and lunos.ai/ai-accounts-receivable-agentsread 2026-09-07
Triggers & Channel Coverage	Full
Agents wake on a schedule, on events and through an inbound queue. Every day the agent analyzes every customer and sends the right message at the right time rather than firing one sequence. The dispute agent detects disputes the moment they arrive, and payments pulled from bank and payment providers drive allocation. The Triage agent reads every incoming email and decides what needs action, with Slack and the web app as further inbound surfaces. Live channels are email, Slack, the app and AP portals. The collections page lists phone and letter among live channels while the FAQ lists AI phone calls, letters and text messages as coming soon, so their status is unclear. SourceLunos, lunos.ai/ai-accounts-receivable-agentsread 2026-09-07
Model Flexibility & Routing	Not documented
The only model statement is the FAQ's assurance that customer data is never used to train AI models, which confirms providers exist without naming one. No model provider is published, and no customer or admin choice of model or routing is documented. SourceLunos, lunos.ai/ai-accounts-receivable-agentsread 2026-09-07
APIs, SDKs & MCP Extensibility	Not documented
Every connection Lunos names runs outward, reading from and writing to the customer's ERP, CRM, email and payment providers, and no API, SDK, MCP server or other developer surface for calling Lunos from outside is documented. Launch coverage described a planned embeddable agent for accounting and invoicing providers to put inside their own products, but no such interface is documented as shipped, and the partners program at lunos.ai/partners does not say whether it offers one. SourceLunos, lunos.ai/ai-accounts-receivable-agentsread 2026-09-07
Testing, Debugging & Optimization	Not documented
Changes to the agents have no documented evaluation harness, scored test cases, release gate or controlled optimization loop, though the product pages describe the product in detail. The Confirmation agent checks with a customer when it is unsure, which gates a single output rather than testing a change, and the published collection improvement figures are customer outcome claims rather than a measurement surface the buyer operates. SourceLunos, lunos.ai/ai-accounts-receivable-agents and lunos.ai/pricingread 2026-09-07
Browser & Computer Use	Partial
The portal uploads agent operates interfaces the vendor does not control, and the pricing table names the mechanism as a capability: a Set up agent gets portal access so the customer never logs in themselves, an Upload agent submits every invoice the way each portal wants, and the product page promises no more manual logins. How the agent drives the portal is not stated anywhere, nor what happens when a portal changes, and no hosted browser or session is described. SourceLunos, lunos.ai/pricing and lunos.ai/ai-accounts-receivable-agentsread 2026-09-07

The Agentic Index coverage score grades every vendor Full, Partial or Not documented 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

No base fee; 0.3% of collections (Pay as you go)

percentage of collections on the entry plan, flat annual fee banded by collections volume above it

Included quota

Pay as you go: all AR agents including chasing and portal uploads, QuickBooks and Xero integrations, Monitor, Suggest and Act modes set per customer, tone of voice control, capped at 3 users on a single entity and ledger. Growth adds the outreach agent finding new contacts, the customer's own email domain, NetSuite and Salesforce integrations and unlimited users. Enterprise adds custom system integrations, SSO via Okta or SAML, white glove onboarding and multiple ledgers split across users.

What is public

Nearly everything. Two of three tiers carry published figures, 0.3% of collections with no base fee on Pay as you go and $15,000 a year up to $10 million collected on Growth, with Enterprise quoted; a feature comparison table lists what each plan includes agent by agent, and an on page estimator suggests a plan from the customer's annual collections. Sign up is self serve on the entry plan.

Billing mechanics

Two shapes. The entry plan is outcome based, 0.3% of cash Lunos collects on assigned accounts with no platform fee and no per seat charge. Above it the model switches to a flat annual subscription banded by collections volume, $15,000 a year to $10 million collected, with Enterprise quoted.

Variable cost rationale

Cost is success-aligned - 0.3% of what Lunos collects - so exposure scales with AR volume, not seats.

Additional watchouts

The entry plan bills as a share of cash collected, so cost rises with a good month, and it caps at three users on one entity and ledger; NetSuite and Salesforce integrations and SSO sit on higher tiers, so an enterprise stack will not run on the entry plan.

Overage / add-ons

Cost tracks collections volume: the entry plan charges 0.3% of what Lunos collects on assigned accounts, and the vendor's own estimator bands plans by annual collections, Pay as you go up to $5m, Growth $5m to $10m, Enterprise above $10m.

Sales call required

Mixed (some tiers require a call)

Free / trial

Self serve sign up with no base fee on Pay as you go, charged only on collections for the accounts assigned to Lunos; no free plan is published

Lowest paid plan

Pay as you go, 0.3% of collections with no base fee

Commercial notes

AI AR-collections 'coworker' (founded by Duncan Barrigan, ex-GoCardless); targets finance teams (500-50,000 invoices/mo).

Key ambiguities

The Enterprise rate is negotiated, and which plan is cheaper depends on annual collections; the vendor's on-page estimator suggests one.

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

The Enterprise rate and any volume discount are quoted rather than published; the vendor's FAQ says tier changes and Enterprise discounts are arranged by contacting them.

Agentic Index verified 2026-09-07

Official pricing page

Related vendors

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.

Kinter7.5 / 14Fuller documented coverage on Observability & Auditability
Alloy.ai8.0 / 14Adds documented APIs, SDKs & MCP Extensibility
Docyt7.0 / 14Fuller documented coverage on Observability & Auditability
Maxima AI8.0 / 14Fuller documented coverage on Knowledge Grounding & RAG and Observability & Auditability
Nominal7.0 / 14Fuller documented coverage on Observability & Auditability
Pennant Technologies6.0 / 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

Compare Lunos with other vendors →Compare all enterprise operations agents →See where Lunos ranks →

Data confidence: high

Head to head

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