Upflow vs Gaviti (2026): An Honest Comparison for AR Teams

Disclosure: Abivo is our product and is not affiliated with Upflow or Gaviti. Facts about both tools come from their own websites as of October 2026. Check each vendor's site for the latest.

The short answer: Upflow is a B2B AR platform focused on the US mid-market, with collections agents and multi-channel outreach including calls. Gaviti is an invoice-to-cash platform for medium to large enterprises and shared service centers that works on top of any ERP. Pick Upflow for B2B finance teams with several collectors who want AI agents inside a shared AR workspace; pick Gaviti for mid-market and enterprise teams that want to keep their ERP as is and add an AR layer on top. If what your team actually needs is someone to follow up on every past due invoice by phone, text and email, an AI collections agent such as Abivo can work alongside either one, or on its own with your accounting system.

Upflow vs Gaviti at a glance

Upflow overview

Upflow describes itself as a B2B accounts receivable and Financial Relationship Management platform with AI agents. It says it serves B2B companies, with a stated focus on the US mid-market.

• Collections: Collections agents that reply to customers, log promise-to-pay dates, flag disputes and hand off to a person when not confident.

• Payments: B2B payments with a branded customer portal.

• Cash and insight: Cash application and payment matching, plus AR analytics and forecasting.

• Also included: Insights agents for AR analytics; embedded financing listed as coming soon.

• Systems: NetSuite, Sage Intacct, QuickBooks Online, Xero, Pennylane and Rillet; Chargebee, Zuora and Stripe Billing; Salesforce and HubSpot.

Best fit: B2B finance teams with several collectors who want AI agents inside a shared AR workspace. Looking at other options? See our Upflow alternatives guide.

Gaviti overview

Gaviti describes itself as an AI-powered, autonomous invoice-to-cash platform for accounts receivable. It says it serves medium to large enterprises and shared service environments.

• Collections: Collections automation with reminders, escalations, task prioritization and AI-optimized dunning workflows.

• Payments: Customer self-service payment portal with autopay, ACH and card.

• Cash and insight: AI cash application.

• Also included: Credit management and monitoring, dispute and deductions management, analytics and forecasting.

• Systems: Works with any ERP, on-premise or cloud, through pre-built connectors, without changing the ERP.

Best fit: Mid-market and enterprise teams that want to keep their ERP as is and add an AR layer on top. Looking at other options? See our Gaviti alternatives guide.

Key differences between Upflow and Gaviti

• Scope. Upflow: a B2B accounts receivable and Financial Relationship Management platform with AI agents. Gaviti: an AI-powered, autonomous invoice-to-cash platform for accounts receivable.

• Who it is built for. Upflow: B2B companies, with a stated focus on the US mid-market. Gaviti: medium to large enterprises and shared service environments.

• How customers are contacted. Upflow: email, SMS, calls and letters, including VOIP and calling agents with transcripts and summaries. Gaviti: dunning emails, escalations and the customer portal.

• Systems. Upflow names NetSuite, Sage Intacct, QuickBooks Online, Xero, Pennylane and Rillet; Chargebee, Zuora and Stripe Billing; Salesforce and HubSpot. Gaviti names Works with any ERP, on-premise or cloud, through pre-built connectors, without changing the ERP.

Which should you choose?

• Choose Upflow for B2B finance teams with several collectors who want AI agents inside a shared AR workspace.

• Choose Gaviti for mid-market and enterprise teams that want to keep their ERP as is and add an AR layer on top.

• Consider adding a collections agent if your bottleneck is not software features but the hours your team spends calling customers about past due invoices.

Where Abivo fits

Upflow and Gaviti are platforms your AR team works inside. Abivo is different: its AI agent, Kate, does the follow-up itself. Kate calls, texts and emails your customers about past due invoices, names the invoice details your customer needs (job, site, PO or billing period), covers every open invoice on an account in one message, records promises to pay and disputes, and hands disputes and sensitive replies to the person you name. It follows up with customers in over 50 countries and in French where customers prefer it.

Teams usually look at Abivo when they have three or more people chasing invoices and still cannot reach every account each week. Abivo works with QuickBooks and Xero, and with Chargebee after card retries, so it can run on its own or next to an AR platform you already use.

FAQ

Is Upflow or Gaviti better for a mid-sized B2B company?

It depends on scope and systems. Upflow says it serves B2B companies, with a stated focus on the US mid-market; Gaviti says it serves medium to large enterprises and shared service environments. Shortlist the one whose ERP list includes yours, then compare how each handles collections for your customer mix.

Does Upflow or Gaviti make phone calls to customers?

On its website, Upflow lists calling among its outreach channels. Abivo's AI agent makes the calls itself, along with texts and emails, so your team does not have to dial.

What is a good alternative to both Upflow and Gaviti?

For teams that want the follow-up done rather than another workspace to manage, Abivo is an AI collections agent that contacts customers by phone, text and email. See also our guides to the best accounts receivable software and the best AR collections software.

Want to hear how Kate would follow up on your own open invoices? Get started with Abivo.

Related guides: Upflow alternatives, Gaviti alternatives, best collections management software, best AI AR collections software.