# Lunos vs Gaviti: which do AI models recommend for cash application, September 2026

Finance AI Recommendation Index, September 2026 Edition, Cash application. Zero of twelve models named Lunos first on the direct prompt; zero named Gaviti. Page: https://finance-ai-index.com/receivables/cash-application/lunos-vs-gaviti/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Lunos | 7% | #4 of 10 | 0% | 11 | 6 of 12 |
| Gaviti | 2% | #7 of 10 | 15% | 13 | 8 of 12 |

## The direct prompt, model by model

- Grok 4.1 Fast: neither first, one named (first choices: Esker) (alternatives: Billtrust, Gaviti, HighRadius, Quadient Accounts Receivable)
- DeepSeek V4 Flash: neither first, one named (first choices: Esker, HighRadius) (alternatives: Gaviti, Monk, Versapay)
- Llama 4 Maverick: neither first, one named (first choices: Upflow) (alternatives: Bluecopa, Cashbook, Chaser, Lunos)
- GLM 4.7 FlashX: neither first, one named (first choices: Esker, Kolleno) (alternatives: Chaser, Gaviti, Monk, Quadient Accounts Receivable, Serrala, Stuut, Transparency / Transformance, Versapay)
- Claude Haiku 4.5: neither named (first choices: Versapay) (alternatives: Billtrust, Paystand, Quadient Accounts Receivable, Upflow)
- GPT-5.4 mini: neither named (first choices: HighRadius) (alternatives: BlackLine Cash Application, Sidetrade)
- Gemini 3.5 Flash: neither named (first choices: Quadient Accounts Receivable) (alternatives: Stuut, Tesorio, Upflow, Versapay)
- Perplexity Sonar: neither named (first choices: HighRadius) (alternatives: Billtrust, Kolleno, Upflow)
- Mistral Small: neither named (first choices: Upflow) (alternatives: Bluecopa, Cashbook, Chaser)
- Qwen 3.7 Flash: neither named (first choices: HighRadius) (alternatives: AtoBi, BlackLine Cash Application, Trintech)
- Kimi K2: neither named (first choices: HighRadius) (alternatives: Billtrust, Chaser, Versapay)
- MiniMax M2.5: neither named (first choices: HighRadius) (alternatives: Monk)

## What the models said about Lunos

- "Best Pay-As-You-Go Solution: Lunos ... "I want zero monthly risk." | Lunos" (Qwen 3.7 Flash, budget prompt, first choice)
- "Lunos (backed by GoCardless/General Catalyst) is the strongest fit for mid-market" (DeepSeek V4 Flash, paraphrase prompt, first choice)
- "Lunos – Best overall for a free/very low-cost start" (DeepSeek V4 Flash, budget prompt, first choice)

## What the models said about Gaviti

- "lowest invoice-matching accuracy score (6.9/10) among major peers. If matching is your core problem, look elsewhere." (DeepSeek V4 Flash, paraphrase prompt, soft negative)
- "AI-powered cash application, but may be overkill for very small budgets" (MiniMax M2.5, budget prompt, soft negative)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all twelve models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.