Cleavr alternatives: 12 tools compared (October 2026)

Pennylane is a French accounting and finance platform for small and midsize companies and their accounting firms. It combines invoicing, bookkeeping, a business account and collaboration with the tax advisor, and uses AI to read receipts and propose bookings.

Key functions

• AI reads amount, date, supplier and tax rate from uploaded or photographed receipts
• AI creates a booking proposal with account assignment for each document

Compared with Cleavr

• Publishes a price (from €7 per month); Cleavr quotes on request.
• Offers a free trial; we found none for Cleavr.
• Can store data in the EU; Cleavr states no EU option.

Check before buying: The German website lists no prices, so request a quote and compare it with the French pricing page. Check whether your tax advisor will work in Pennylane or needs the DATEV export, and ask for the procedure documentation required under GoBD. Data is hosted with AWS in Ireland under GDPR; the processor list sits in the terms and the data processing details in the privacy policy, so review both with your data protection officer.

Upflow is accounts receivable software for mid-sized B2B companies, with a focus on the US market. It organizes collections, customer payments and cash application and adds AI agents that run outreach, match payments and report on customer payment health.

Key functions

• Insights Agent assesses customer health, cash forecasts and benchmarks
• Collections Agent runs multi-channel outreach grounded in receivables history
• Cash Application Agent matches complex payments

Compared with Cleavr

• Strong in the same markets as Cleavr: France.

Check before buying: Check which plan includes the agents you need, since the Collections and AP Portal agents start at Scale and cash application at Accelerate. Single sign-on is limited to Accelerate and Enterprise. Confirm that your accounting system is on the integration list for your plan; NetSuite and Sage Intacct start at Grow. The data protection addendum is published in the help center; ask which hosting region applies, since the privacy policy names processing in the United States and France.

Esker Accounts Payable is part of a French finance automation suite for large companies that receives invoices from every channel, captures and validates data with AI, suggests coding, flags anomalies and routes invoices for approval and ERP posting.

Key functions

• Esker Synergy AI captures invoice data from every channel and validates it
• Coding suggestions and anomaly detection along the invoice workflow, with human sign-off at each approval step
• Accounts Payable Agent answers natural-language questions about invoices and helps approvers act faster

Compared with Cleavr

• Strong in the same markets as Cleavr: France.

Check before buying: Esker does not publish prices, hosting regions, a DPA or a sub-processor list, so request them together with the security datasheet. Check which ERP connector fits your system and how approval workflows and audit trails meet your auditors' needs. For French entities, confirm coverage of the national e-invoicing mandate. For German entities, ask about a DATEV connection and GoBD documentation, since the website did not mention either when we checked in September 2026.

Quadient AR automation, formerly YayPay, is accounts receivable software for mid-sized B2B companies. It automates invoice delivery, collections, disputes, customer payments and cash application and uses machine learning to predict payment behavior and prioritize collections.

Key functions

• Machine learning payment predictions forecast when customers will pay
• Payer analysis assigns grades from A to E that route customers into collection workflows
• Automatic prioritization of collections by risk

Compared with Cleavr

• Strong in the same markets as Cleavr: France.

Check before buying: Request pricing, which Quadient does not publish, and check that your ERP version is on the integration list. Ask for SOC reports, hosting region and the data processing agreement, since the product page reviewed in September 2026 does not detail them. Note that accuracy figures for payment predictions are vendor statements and depend on your payment history data.

Lunos is an accounts receivable platform built around AI agents. It handles collections outreach, invoice disputes, cash application questions and contact research for B2B companies, from small teams on QuickBooks or Xero to enterprises with several entities.

Key functions

• The Collections Agent emails and calls customers with overdue invoices and records promises to pay
• The Dispute Management Agent answers invoice queries and creates promises to pay once a dispute is resolved
• A cash application agent requests missing remittance details and flags payments sent to the wrong account

Compared with Cleavr

• Publishes a price (from $15,000 per year); Cleavr quotes on request.
• Strongest elsewhere: United States.

Check before buying: Data is processed in the United States, and Lunos relies on the EU-U.S. Data Privacy Framework and standard contractual clauses for transfers, so European buyers should request a data processing agreement. The agents write to your customers in your name, so agree on tone, approval rules and escalation. SSO is limited to the Enterprise plan, and ERP connectors differ by plan.

Tabs automates the contract-to-cash cycle for B2B companies with usage-based, subscription or hybrid pricing. AI reads contracts to set up billing, and agents send invoices, follow up on payments and reconcile cash.

Key functions

• Reads terms from contracts, CRM and payment platforms and builds a Commercial Graph of billing terms and renewals
• Generates invoices directly from CRM data and signed contracts
• Agents handle payment reminders and follow-ups, with one-click approvals in Slack or email

Compared with Cleavr

• Publishes a price (from $2,000 per month); Cleavr quotes on request.
• Strongest elsewhere: United States.

Check before buying: Tabs is designed around US GAAP and ASC 606, so companies reporting under IFRS or local GAAP should check how revenue schedules map to their rules. Data may be stored and processed in the United States, and the subprocessor list is only available on request, so ask for it together with a data processing agreement. Multi-entity and international support are add-ons, which affects the price.

Adfin is a receivables and payments platform for small businesses and accounting firms in the UK. It syncs invoices from Xero or QuickBooks, collects payment by card, bank transfer or direct debit and uses AI to chase unpaid invoices.

Key functions

• Autopilot adapts the business's own chasing templates to each customer and sends reminders automatically
• Optimised Reminders choose timing, channel and cadence of reminders based on past payment behavior
• Cash MOT Report uses AI to analyze debtor days and the share of late payments and suggests improvements

Compared with Cleavr

• Publishes a price (from £0.20 usage-based); Cleavr quotes on request.
• Can store data in the EU; Cleavr states no EU option.
• Strongest elsewhere: United Kingdom.

Check before buying: Adfin is built for UK businesses and charges in pounds, so companies elsewhere should confirm that their currency and payment methods are supported. Check how the two-way sync with Xero or QuickBooks handles invoice and contact data. The website mentions hosting in Europe but names no provider, certificate or data processing agreement as of September 2026, so request these and the subprocessor list before connecting customer data.

Bakuraku is a back-office suite from LayerX Inc. in Tokyo for expense claims, incoming invoices, approvals, corporate cards and receivables. AI agents read receipts and invoices, pre-review claims against company rules and propose journal entries for Japanese accounting teams.

Key functions

• AI text recognition splits a photo of up to 100 receipts and reads them, including 35 foreign currencies
• AI reviews expense claims against internal policies and gives the first approval itself when confidence is high
• AI journal suggestions based on past entries, with automatic splitting by tax rate

Compared with Cleavr

• Publishes a price (from ¥30,000 per month); Cleavr quotes on request.
• Offers a free trial; we found none for Cleavr.
• Names 2 security certificates, Cleavr 0.

Check before buying: Bakuraku is designed for Japanese entities, tax rates and accounting systems, so it fits a subsidiary in Japan with English-speaking staff rather than a group-wide expense tool. The public pages do not name the hosting region; ask LayerX where data is stored. SSO and IP restrictions are offered, but the plan they require is not stated. The AI first approval changes your approval process, so agree the rules with internal audit.