BilagPilot vs Chazy: A Chazy Alternative for Controlled Receipt Chasing

By , founder of BilagPilotPublished Last reviewed

Chazy is a good product doing the same job we do, and in some respects it is further along: it has been listed on the Xero App Store since January 2026 and is generally available there, which our Xero connection is not yet. This page tries to be useful rather than flattering to us.

Two automation philosophies compared: optional AI approval against a mandatory human review gate

Short answer

This is the closest comparison on this site. Chazy and BilagPilot both start from undocumented transactions in the ledger, both chase the client automatically, and both push approved documents back. They differ on how much they will do without you.

Chazy’s Xero App Store listing offers “optional AI approval/rejection” — “let AI automatically process compliant documents or keep full control yourself” — alongside OCR, UK invoicing compliance checks, fraud-risk checks and automatic delivery into Xero. BilagPilot’s AI can suggest a match or flag a problem, but it never links, approves, rejects or sends a file. The review gate is not optional. Which of those is a feature and which is a liability depends entirely on your firm.

Two automation philosophies

Strip away the feature lists and the products encode two different answers to one question: how much of the accountant’s judgement should the software be allowed to exercise?

Chazy: let the AI clear the easy ones

Chazy positions itself as “your AI junior assistant”, and the analogy is apt. Its listing describes OCR extraction of counterparty, date, amount and invoice number; verification of documents against UK invoicing requirements; fraud-risk detection; custom validation rules you define; and then optional AI approval or rejection of documents that pass. Approved documents go into Xero automatically as Files, Bills or Invoices, matched to transactions.

The bet is that most documents are unambiguous, that a well-specified rule set can identify which, and that a firm gains more from not looking at the easy ninety per cent than it risks from the occasional miss. Chazy also lets you turn this off and keep full control, so the philosophy is a default rather than a constraint.

BilagPilot: the machine suggests, the accountant decides

BilagPilot’s AI review runs after a file is finalised and may suggest a match, a classification, or a rejection with supporting evidence. Every result stays for manual review. It never links a file to an item, never approves or rejects, never chooses account or tax treatment, and never sends a document to the ledger on its own.

The bet is the opposite: that the cost of an incorrect document reaching a client’s ledger, and of not knowing it happened, exceeds the time saved by not looking. For a firm whose name is on the accounts, an unbroken chain of human decisions is worth paying for in minutes.

Feature-by-feature comparison

Systems connected

Chazy
Xero. Listed on the Xero App Store for the United Kingdom, since January 2026.
BilagPilot
QuickBooks Online, Xero, Sage Accounting, FreeAgent. Sage generally available; the other three in pilot as of 17 August 2026.

What it detects

Chazy
Unreconciled transactions across all connected Xero bank accounts, with no account limit. Can also chase transactions in any status, including reconciled.
BilagPilot
Posted transactions with no attachment: Xero spend money and bills; equivalents on the other three ledgers.

Where you start a chase

Chazy
From Xero Bank Transactions, via a 'Start Chazy' button, editing the list before sending.
BilagPilot
From BilagPilot, where the synced list is already grouped by client and period.

Client channels

Chazy
Email or WhatsApp.
BilagPilot
Email or SMS, to a scoped expiring link.

Client login

Chazy
Not required.
BilagPilot
Not required.

Reminders

Chazy
Automatic, with deadline tracking and 'intelligent reminders and notifications that adapt as deadlines approach'. Chazy writes the emails.
BilagPilot
Automatic, escalating, consolidated per client, stopping on any response. You keep the templates.

OCR and extraction

Chazy
Yes — counterparty, date, amount, invoice number.
BilagPilot
AI assistance suggests matches and flags problems. Not an extraction product.

Validation

Chazy
Compliance checks against UK invoicing requirements, fraud-risk detection, and custom validation rules you define.
BilagPilot
File type by content signature, size, count and quota checks; AI may flag a problem for a human to judge.

Who approves

Chazy
Optional AI approval and rejection of compliant documents, or full manual control.
BilagPilot
A human, always. Approval cannot be delegated to the AI.

Delivery to the ledger

Chazy
Documents are matched to transactions and posted automatically into Xero as Files, Bills or Invoices.
BilagPilot
Approved documents are attached to the transaction. Never creates, edits or posts an entry.

Rejection handling

Chazy
AI can reject non-compliant documents automatically under your rules.
BilagPilot
A human rejects with a reason that reaches the client and reopens the item into the cadence.

'No receipt exists'

Chazy
Not described in the listing.
BilagPilot
An explicit state, with the client's explanation recorded against the item and the period able to complete honestly.

Price

Chazy
Free for the first month, no setup fee and no card. Pay-as-you-go after that, with unlimited clients; the full breakdown is given on a demo call.
BilagPilot
Subscription, published. 14-day trial, no card.

Where each option wins

Chazy wins when

  • You are a UK Xero practice and want a Xero app that is generally available today, not in pilot.
  • You want maximum automation and are willing to let AI clear compliant documents.
  • OCR and UK invoicing compliance checks are part of what you are buying, not just collection.
  • Your clients respond on WhatsApp.
  • You want to start from inside Xero, with a button on the bank transactions screen.
  • You need to chase reconciled transactions as well as unreconciled ones.
  • You prefer pay-as-you-go with unlimited clients to a per-client subscription.

BilagPilot wins when

  • You need a review gate that cannot be turned off, and an audit trail showing a person made each decision.
  • You work across more than one ledger and want one queue for all of them.
  • You want the client's explanation captured when a receipt genuinely does not exist, as its own state.
  • You want your own wording in client messages rather than AI-written ones.
  • You want a published price without a demo call.
  • You need the tool to be demonstrably incapable of posting to the ledger — a procurement requirement in some firms.

Which is the better fit?

Three questions decide it, in this order.

1. Are you Xero-only, in the UK? If yes, Chazy is a serious contender and is generally available on the Xero App Store today, which our Xero connection is not. If you are on QuickBooks, Sage or FreeAgent, or on more than one, Chazy is not an option and this becomes straightforward.

2. Would you let software approve a document into a client’s ledger?Answer honestly rather than aspirationally. If your instinct was “no”, buy the tool whose default matches that instinct, because a control you intend to keep switched on is better than one you have to remember to switch on. If it was “yes, for routine items”, Chazy will save you more time.

3. What do you need to prove afterwards? If your files must show a named person deciding on each document, that shapes the answer more than any feature. If they need to show that a rule set was applied consistently, automation is a legitimate answer to that too.

Good fit for BilagPilot

  • Multi-ledger practices — QuickBooks Online, Xero, Sage Accounting or FreeAgent, in one queue.
  • Firms with a mandatory human review step they do not want configurable.
  • Practices that need the unavailable-receipt state recorded properly for the file.
  • Firms outside the UK, where Chazy is not listed.

Poor fit for BilagPilot

  • UK Xero-only firms wanting the most automation possible. Chazy is built for exactly that.
  • Firms wanting OCR extraction and invoicing compliance checks as part of the same purchase.
  • Anyone whose clients only answer on WhatsApp.
  • Practices needing a generally available Xero connection this month — ours is in pilot.

Sources

Everything on this page that describes another company’s product, or a rule set by HMRC, comes from that organisation’s own published material. Each entry below records the date this page last checked it, because these change without notice.

  1. Chazy on the Xero App Store — features, workflow, optional AI approval, delivery to Xero, pricing plans, listed January 2026

    Xero App Store · checked 17 August 2026

  2. Chazy — product overview, channels and validation claims

    Chazy · checked 17 August 2026

  3. BilagPilot integrations: ledgers, detection method, file-back and readiness

    BilagPilot · checked 17 August 2026

  4. BilagPilot security: review, approval and what the AI is not permitted to do

    BilagPilot · checked 17 August 2026

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If you want the review gate kept shut

BilagPilot's AI suggests and flags. It never links, approves, rejects or sends a document to your ledger on its own. Every file passes a human decision before it reaches a transaction — and the audit trail shows who made it.

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