Kolleno alternatives: 12 tools compared (October 2026)

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 Kolleno

• Has a free plan; Kolleno does not.
• Can store data in the EU; Kolleno states no EU option.
• Different pricing model: usage-based instead of per user.

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.

Chaser is receivables software for small and mid-sized businesses that automates payment reminders by email, SMS and phone. It adds AI that writes reminder emails, flags risky debtors and predicts when invoices will be paid.

Key functions

• AI Email Generator writes payment reminder emails
• AI Debtor Risk Insights analyzes customer payment behavior
• Payment Prediction estimates when open invoices are likely to be paid

Compared with Kolleno

• Different pricing model: flat fee instead of per user.
• Names fewer security certificates: 1, Kolleno 3.
• Strong in the same markets as Kolleno: United Kingdom.

Check before buying: Check which revenue tier applies to you, since plans are limited by company revenue and the Compact plan allows four users. Receivables forecasting is part of the Complete plan. Confirm that your accounting system syncs invoices and payments both ways. Chaser hosts on Google Cloud Platform and MongoDB Atlas and holds SOC 2 Type II; ask which region stores your data and request the data processing agreement.

GoCardless is a London-based platform for collecting recurring and one-off payments by direct debit and bank payment, used by finance teams to get paid on time, with machine learning that retries failed payments and screens out risky payers.

Key functions

• Success+ uses machine learning to retry failed payments on the best day
• Protect+ models trained across the GoCardless network identify risky payers and route them to verification
• Protect+ models pick up new fraud signals over time

Compared with Kolleno

• Different pricing model: usage-based instead of per user.
• Names fewer security certificates: 1, Kolleno 3.
• Strong in the same markets as Kolleno: United Kingdom.

Check before buying: Model your transaction volume against the percentage fees, caps and international surcharges, and ask for the monthly price of Success+ and Protect+, which the pricing page does not show. Check that your accounting or billing system is among the integrations, how payouts are reconciled, and request the data processing agreement and details on data hosting, which the security page does not name.

Client engagement software for accountants covering proposals, engagement letters, onboarding and recurring billing via Xero.

Key functions

• AI Proposals turns recorded client conversations into drafted proposals.

Compared with Kolleno

• Strong in the same markets as Kolleno: United Kingdom.

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 Kolleno

• Different pricing model: usage-based instead of per user.
• Names fewer security certificates: 1, Kolleno 3.
• 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 Kolleno

• Different pricing model: flat fee instead of per user.
• Names fewer security certificates: 1, Kolleno 3.
• 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.

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 Kolleno

• Strongest elsewhere: Japan.

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.

Bectran is an order-to-cash platform for B2B companies that sell on credit, such as distributors and manufacturers. It covers credit applications, credit decisions, receivables, collections, payments and cash application, supported by a set of AI tools for credit, risk and collections.

Key functions

• Extracts clean payment data from remittances in any format for cash application
• Assesses customer creditworthiness automatically and calculates a dynamic risk score
• Dunning Doctor rewrites collection emails with language trained on real B2B payment data

Compared with Kolleno

• Names fewer security certificates: 1, Kolleno 3.
• Strongest elsewhere: United States.

Check before buying: Bectran does not name its hosting region, a public data processing agreement or a subprocessor list, and it relies on the EU-U.S. Data Privacy Framework for transfers. European buyers should ask for these documents before loading customer financials. Credit scoring affects business customers, so check which data sources feed the score. Several AI tools sit in the Enterprise tier, so confirm which ones your package includes.