Upflow gives you a platform. Modern does the work.

Upflow is an accounts receivable platform it calls Financial Relationship Management: collections workflows and AI agents, cash application, a branded payments portal and AR dashboards. It launched in France, started with SaaS companies and focuses on the US mid-market, with more than 50 people across the US, Europe and India.

Upflow's Discover plan is free and covers AR dashboards and insights, not collections. Its paid plans are quote only, banded by annual invoiced revenue from up to $10M to over $100M, each with a yearly commitment. SMS, calls and letters carry usage fees, and Upflow Payments adds a $390 monthly platform fee plus 3.5% and $0.30 per card payment.

The Insights Agent comes with every plan. The Collections Agent and AP Portal Agent start on Scale, for up to $50M in invoiced revenue, and the Cash Application Agent on Accelerate, for up to $100M. Upflow lists its agents as subject to fair usage.

Modern is priced on your business volume, with no setup fee and no cut of what you collect. You start with a 3-month pilot, guided by a forward deployed engineer, then move to a 12-month agreement. Book a demo for a quote against your AR aging.

We found no MYOB or Pronto connector. Upflow lists native integrations with NetSuite, Sage Intacct, Xero, QuickBooks Online, Pennylane, Rillet, Zuora, Chargebee and Stripe Billing, with Microsoft Dynamics 365 Business Central and SAP S/4HANA marked coming soon, and custom integrations on quote. Modern works with any ERP, including MYOB, Pronto and SAP Business One.

It is built for the US, Europe and the UK. Its bank feeds connect banks in North America, the EU and the UK, its payments portal takes cards, ACH, SEPA, BACS and wire, and its fees are shown in US dollars or pounds. We found no Upflow listing on the Australian Xero App Store. Modern works with teams worldwide, Australia included.

Yes. Modern offers a payment portal and puts a pay link on every invoice, so customers pay by ACH, card, wire or check through the payment processors you already run. Each payment is matched and posted back to your ledger.

If you run NetSuite or Sage Intacct, bill mostly in the US or Europe, or want a free plan and self-serve setup, Upflow is a strong pick. If you run MYOB, Pronto or another ERP, submit invoices to many AP portals, or want the chasing, matching and disputes done for you, Modern fits better.

Most teams go live in days. A forward deployed engineer connects your ERP, imports open invoices and maps your current Upflow workflows, then Modern runs with approvals on before you switch Upflow off. Time the cutover to your yearly renewal.

Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you.