AI credit control software uses AI to write and send your invoice reminders, reply to customers who respond, and flag accounts that are slipping. The most AI-heavy tools run autonomous agents built for high-volume finance teams. This guide looks at both ends of the spectrum.
What AI actually does in credit control
Strip away the marketing and AI shows up in credit control in a few concrete places:
- Writing reminders that sound human. Instead of a stiff template every customer learns to ignore, AI drafts reminders that read like a person wrote them.
- Reading and answering replies. When a customer writes back with “can you resend the invoice?” or “we’ll pay Friday,” AI can understand what they mean and reply.
- Flagging accounts that are getting worse. AI watches payment patterns and surfaces the customers who are quietly drifting from slow to a problem.
- Handling the admin. Logging promises to pay, following up in the existing email thread rather than starting a fresh one, and keeping a clear to-do list of who to chase next.
The heaviest tools go further still, running autonomous agents that resolve disputes end to end and match incoming payments to invoices.
What AI won’t do is make a customer pay who has decided not to. Someone still owns the awkward conversation and the relationship behind it.
The tools with real AI features, compared
Three tools are worth knowing if AI is what you’re after. They sit at very different points on the scale of how much the AI does on its own.
| Tool | What the AI does | How much it runs on its own | Best for | Starting price |
|---|---|---|---|---|
| Trove | Drafts human-sounding reminders, writes responses and handles chasing admin | You stay in control; the AI assists | UK small businesses on Xero | £50/month (fixed) |
| Lunos.ai | Agent suite covering collections, dispute management and cash application; reads replies and adapts | Adjustable, from monitor to fully autonomous | B2B finance teams | 0.3% of collected revenue |
| Paraglide | Agents reply to billing queries, chase, resolve disputes and capture promise-to-pay dates in the finance inbox | Runs largely on its own (agentic) | High-volume mid-market and enterprise B2B teams | On request |
Facts checked June 2026 against each vendor’s published site.
Trove: the lightest AI
Trove is Xero-native and built for UK small businesses. Its AI is deliberately bounded: it keeps reminder emails sounding human rather than robotic, drafts replies for you, and takes care of the chasing admin (e.g. extracting and logging expected payment dates). You keep control of the relationship and the calls that matter. It doesn’t run an autonomous agent that negotiates with your customers on its own.
Despite more limited AI, it’s still featured in the A to Z of AI Accounting Software. Furthermore, this level of AI is reflected in the price. Trove is fixed at £50/month, sends from your own email domain so messages don’t get spam-filtered.
Best for: an owner or small team on Xero who wants chasing to feel human and take less time, without handing the whole conversation to a bot.
Lunos.ai: an AI coworker you can dial up or down
Lunos runs a suite of AI agents across the receivables process: collections, dispute management, and cash application. The collections agent reads customer replies, understands intent, tracks every promise to pay, and adjusts its follow-ups, with Slack-native approvals and daily summaries. You can dial the autonomy up or down per customer, from watching only, to suggesting actions, to acting on its own.
Pricing is 0.3% of collected revenue on the entry plan, with a $200/month add-on to send from your own email address.
Best for: B2B finance teams who are starting to implement more AI into their processes.
Paraglide: agentic AI for teams going all in
Paraglide builds AI agents that work inside the finance inbox around the clock. Rather than sending one-way reminders, its agents hold two-way conversations with customers: answering invoice questions, following up when someone goes silent, resolving disputes, and capturing details like PO numbers and promise-to-pay dates. It connects to ERP, CRM and billing systems and is aimed squarely at high-volume B2B finance teams, with customers like Choco and Ardoq. Pricing isn’t published; you request a quote.
Best for: mid-market or enterprise finance teams whose shared inbox is overflowing with billing queries, not a small business on Xero.
How much AI do you actually need?
More AI isn’t automatically better for a small business. The agentic tools earn their keep when you’ve got hundreds or thousands of invoices, a shared finance inbox full of questions, and a steady stream of disputes to resolve. That’s a finance-team problem.
If you’re a small business, a lighter tool may solve the problem. The percentage-of-revenue and quote-on-request models the heavier tools use tend to suit bigger businesses, and can get expensive and unpredictable as you grow.
The honest version: match the amount of AI to the size of the problem.
Frequently asked questions
Will customers know an AI wrote the reminder? With a good tool, no. The point of AI drafting is that reminders read like a person wrote them, in your tone and from your email address, rather than an obvious template.
Does AI credit control software work with Xero? It varies. Trove is Xero-native and built around it, and Lunos.ai lists Xero among its integrations. Paraglide is more ERP-focused and aimed at larger stacks, so it’s less of a fit if Xero is your whole system.
Is this different from a full accounts receivable platform? Yes. Credit control is the chasing layer, getting invoices paid. A full AR platform also handles invoicing, payments and reconciliation. Some AI tools reach into that wider territory; a small business on Xero usually only needs the chasing.
Do I actually need AI to chase invoices? No. Plain automation already saves you most of the manual effort. AI mainly earns its place on the wording and the replies, keeping reminders human and handling the back-and-forth, which is where chasing tends to feel like a chore.
For the wider picture, see our guide to credit control software for UK small businesses and our round-up of affordable credit control software.
Trove is credit control software for UK small businesses on Xero. Its AI keeps your reminders sounding human and handles the chasing admin, while you stay in control of the customer relationship. It runs a free 30-day trial and connects to Xero in about five minutes.
