Summary
Credit control software automates invoice reminders, escalation and debtor tracking so a business gets paid on time. Compared by size, Paidnice suits Xero and QuickBooks businesses up to $50m a year, Chaser suits established UK firms past £4m that need letters or credit checks, and Kolleno suits NetSuite or SAP teams above $1m turnover.
- Paidnice: Best for enforcing payment terms on Xero or QuickBooks Online at any size up to $50m a year, from $69 a month (£49), priced by invoice volume, not turnover or seats.
- Chaser: Best for established UK businesses past £4m turnover that need letters, calls or credit checks, from $259 a month (£199), priced on annual revenue.
- Kolleno: Best for finance teams above $1m turnover on NetSuite or SAP with bank payments to match, from $650 per user a month.
- Upflow: Best for B2B finance teams managing by DSO on a subscription billing stack; price on request, quoted by gross invoice value.
Which credit control software is best for each business size?
Credit control software automates invoice reminders, escalation and payment tracking, and the best pick depends on your ledger, your annual revenue and whether you need credit checks. Published entry prices run from $25 to $650 a user a month.
- Paidnice: best for enforcing payment terms on Xero or QuickBooks Online at any size up to $50m a year, from $69 a month (£49), priced by invoice volume.
- Chaser: best for established UK businesses past £4m that need letters, calls or credit checks, from $259 a month (£199), priced on annual revenue.
- Satago and Credit Hound: best for Sage users; Satago from £25 a month inside Sage 50 (its published GBP price), Credit Hound at $25 to $454 a user a month.
- Kolleno and Upflow: best for finance teams above $1m that match bank payments or manage by DSO; Kolleno from $650 per user a month, Upflow quoted by invoice value.
- HighRadius, Esker and Sidetrade: best for enterprises on SAP, Oracle or Dynamics, with prices quoted on request.
| Vendor | Best for | Price from | Size fit | Ledgers |
|---|---|---|---|---|
| Paidnice | Enforcing payment terms, late fees on the ledger | $69 / £49 a month, by invoice volume | Any size up to $50m a year, or 50,000 invoices a year | Xero, QuickBooks Online; ERPs on Custom |
| Chaser | Letters, calls and credit checks past £4m | $259 / £199 a month, by annual revenue | Up to £4m, £10m, £100m | Xero, QuickBooks, Sage, NetSuite, SAP |
| Kolleno | Bank-file matching on NetSuite or SAP | $650 per user a month | Above $1m turnover | Xero, QBO, Sage Intacct; NetSuite and SAP on Enterprise |
| Upflow | DSO analytics on a subscription billing stack | Quote, by gross invoice value | Up to $10m to above $100m | Xero, QBO, NetSuite, Sage Intacct |
| Satago | Sage 50 users who want credit reports with chasing | £25 a month in Sage 50, £45 standalone (GBP only) | Small and medium-sized businesses | Sage, Xero, QuickBooks, FreeAgent |
| Credit Hound | Sage 50 and Sage 200 teams | $25 to $454 a user a month | No published gate | Sage, Xero; no QuickBooks Online |
| Access Collect | Businesses already on Access Financials | £3,600 a year (GBP only), by revenue band | £10m to £30m on Professional | Access's own ledger only |
What is the difference between credit control and credit management software?
Credit control software chases customers you have already given credit to, while credit management software decides who gets credit and how much, through credit checks, limits and onboarding.
Chaser, Satago and Kolleno cover both jobs with credit checks or credit reports. Paidnice covers both on its Custom plan, through Creditsafe.
Credit control software and accounts receivable automation are the same category. UK buyers say credit control; US vendors say accounts receivable automation or order-to-cash. The shortlist is the same either way, and so are the gates.
| Label | What it covers | Where it is used |
|---|---|---|
| Accounts receivable automation | The whole invoice-to-cash process | US, and enterprise vendors everywhere |
| Credit control | Everything involved in collecting overdue invoices, credit limits included | Mainly the UK |
| Debtor management | The UK's credit control under an antipodean name | Australia and New Zealand |
| Dunning | Only the scheduled reminder sequence itself | US, and billing-platform documentation |
What are the core features of credit control software?
Credit control software automates invoice reminders, runs escalation workflows, hosts a customer portal, tracks disputes and links to your ledger so the business gets paid on time. Credit checking, late fees and bank-file cash application are where the credit control apps diverge.
Among Paidnice, Chaser, Kolleno and Upflow, entry prices run from $69 a month by invoice volume to $650 a user a month by seat, a nine-fold spread for the same core job.
Every tool here syncs invoices from your ledger or ERP and runs reminders against anything overdue. Shortlist on three parts above that: late fee computation, bank-payment matching and credit checks before you extend terms.
Kolleno and Upflow read bank files. Chaser and Kolleno run credit checks. Chaser and Paidnice compute late fees, and Paidnice varies them per customer group and posts them to the ledger.
Paidnice runs external bureau credit checks through Creditsafe on its Custom plan only; Essentials and Pro rate payers internally from their own payment history, and it reads no bank files. Paidnice includes payment forecasting and cohort forecasting on every plan at no extra charge, where Chaser meters AR forecasting at £9 a month and cash-flow forecasting at £20.
The measurable output of credit control software is the time it takes to get paid, which Xero Small Business Insights reports every month.
| Country | Days to be paid | Year on year |
|---|---|---|
| Australia | 20.3 days | -4.3 days |
| New Zealand | 23.2 days | -0.9 days |
| US | 29.1 days | +1.6 days |
| UK | 29.3 days | -0.3 days |
| Canada | 29.5 days | +1.9 days |
Source: Xero Small Business Insights, June 2026. See the full data on the Paidnice accounts receivable statistics dashboard.
Dunning on a subscription billing stack is covered in credit control for B2B SaaS.
Should you buy credit control software or outsource credit control?
Credit control software suits a business with someone to own the ledger, and an outsourced credit control service suits a business with no credit control capacity of its own.
Chaser Care, from £324 a month, does the chasing for you, and Satago sells credit control as a service. A collection agency works after both, once a debt is escalated.
How do Paidnice, Chaser, Kolleno and Upflow compare on features?
Paidnice, Chaser, Kolleno and Upflow all sync invoices from Xero and QuickBooks Online and chase by email and SMS. They differ on price, the denominator behind it, the turnover gate, late fees, bank-file matching and credit checks.
| Capability |  Paidnice |  Chaser |  Kolleno |  Upflow |
|---|---|---|---|---|
| Published price from | $69 / £49 a month | £199 a month | $650 per user a month | $440 a month iUpflow's last published price. Upflow now quotes by gross invoice value. |
| Real monthly minimum | $69 / £49 | £199 | $650; $2,490 on Plus | $440 iUpflow's last published price. Upflow now quotes by gross invoice value. |
| Priced by | Invoice volume | Your revenue | Seats and turnover gate | Gross invoice value |
| Size fit | Any size up to $50m a year, or 50,000 invoices a year | £4m, £10m, £100m, Custom | Above $1m to above $1bn | Up to $10m to above $100m |
| Per-seat fee | None | Extra user £10 | Per seat | Unlimited seats |
| Ledgers and ERPs | Xero, QBO; ERPs on Custom | Xero, QBO, Sage, ERPs | NetSuite, SAP, Xero, QBO | NetSuite, Xero, QBO |
| Customer channels | Email, SMS; letters on Pro, on request | Email, SMS, post, calls | Email, SMS, calls | Email, SMS, letters |
| Late fees and interest | Per customer group | One global rule | Not published | Via ERP only |
| Bank-file matching | None | None | BAI2, NACHA, ISO 20022 | Auto-match and rules |
| Credit checks and risk | Creditsafe on Custom; internal payer rating on Essentials and Pro | Checks and monitoring | Bureau integrations | Scoring only |
| Payment plans | Deposits and instalments | Chases the invoice date | Weekly to bi-monthly | None |
| Automatic statements | Incl. parent and child | Monthly, fixed day | Portal only | Not published |
| Dispute management | Exclude by reference | Flag and manage | Reason codes | Track and surface |
| Customer portal | Yes | Yes | Yes | Yes |
| How you try it | 20 free actions, no card | 10-day trial, demo to buy | No trial published | Free plan, sales-gated |
| Rated | 5.0 (83), Xero store | 4.98 (374), Xero store | 4.9 from 99, G2 | 4.8 from 233, G2 |
| Best for | Late fees on the ledger | Letters and phone calls | Bank-file matching | AR analytics depth |
Yes The capability is documented and holds without a workaround.
Partial It works, with a constraint that matters: one global rule, an ERP dependency, or a fixed send day.
None The capability is absent from the vendor's documented feature list.
Not published The vendor documents nothing either way, so the answer is unknown.
What are the turnover gates, seat minimums and real monthly minimums?
Chaser's £199 plan stops at £4m revenue. Kolleno starts above $1m turnover and charges per seat, so its real entry for auto-reconciliation is $2,490. Upflow bands by gross invoice value.
Chaser is priced on annual revenue. Compact at £199 ($259 in the US) covers up to £4m with four users and £10 for each extra user. Core at £599 covers up to £10m and Complete at £899 up to £100m, both with unlimited users.
Kolleno gates by turnover, then charges per seat. BusinessPay is $650 per user a month ($545 annual) above $1m, with a one-seat minimum, so three seats cost $1,950. Business Plus is $1,245 per user above $10m with two seats, a real entry of $2,490 a month.
Upflow bands by gross invoice value. Starter covers up to $10m, Grow $25m, Scale $50m, Accelerate $100m and Entreprise above that, with unlimited seats. Every tier is now quote only; the last published prices were $440 a month on Grow and $880 on Scale.
Paidnice prices by invoice volume. Plans step from 150 invoices on Essentials at $69 / £49 to 4,000 on Pro at $799, with Custom from $999. Paidnice fits any size up to $50m a year, or 50,000 invoices a year, with no per-seat fee.
Metered extras change the real cost. Chaser's published add-on prices bill SMS at £0.05 to £0.07, credit checks at £2 to £3, AR forecasting at £9 a month and cash-flow forecasting at £20. Paidnice bills SMS at $0.10 / £0.05 and each extra entity at $29 / £19, covered in credit control across multiple Xero companies.
The plan-by-plan ladder for every vendor is in credit control software pricing.
Who is each credit control app built for?
Paidnice is built for a business on Xero or QuickBooks whose payment terms get ignored. Chaser is built for a business that needs letters, calls or credit checks. Kolleno is built for a finance team above $1m turnover with bank payments to match. Upflow is built for recurring-revenue B2B finance teams.
PaidnicePaidnice: accounts receivable automation for Xero and QuickBooks Online, best for a business whose payment terms get ignored, from $69 / £49 a month, priced by invoice volume.
Paidnice fits any business from its first invoice up to $50m a year, or 50,000 invoices a year. Essentials includes two team members, and Pro and Custom include unlimited users.
Paidnice connects to Xero and QuickBooks Online out of the box, and to NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on Custom.
Paidnice sends reminders and statements, posts late fees and interest per customer group as invoices on the ledger, and runs payment plans, a payment portal and an approval step on every action. Finance teams are covered in choosing credit control software for a finance team.
ChaserChaser: one of the oldest UK credit control suites, best for an established business past £4m that needs letters, calls or credit checks, from $259 a month (£199), priced on annual revenue.
Chaser plans are set by annual revenue: Compact up to £4m, Core up to £10m and Complete up to £100m, then custom pricing. Chaser was founded in the UK in 2014.
Chaser connects to Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, NetSuite, Dynamics 365 and SAP, from a list of 25 or more systems.
Chaser chases by email, SMS, posted letters and automated calls, runs credit checks, and routes escalated debt to a partner collection agency. Chaser Care, from £324 a month, does the chasing for you.
KollenoKolleno: an AI order-to-cash platform, best for a finance team above $1m turnover with bank payments to match, from $650 per user a month.
Kolleno plans are set by turnover: BusinessPay above $1m, Business Plus above $10m, Enterprise above $100m and Enterprise Plus above $1bn, with seat minimums of one, two, two and four.
Kolleno connects to Xero, QuickBooks Online and one Sage Intacct account below Enterprise, and to NetSuite, SAP, Oracle and Dynamics on Enterprise.
Kolleno reads BAI2, NACHA and ISO 20022 bank files, parses remittance emails and runs a native NetSuite SuiteApp, so cash is matched as well as chased.
UpflowUpflow: an accounts receivable analytics platform, best for B2B finance teams on a subscription billing stack; price on request, quoted by gross invoice value.
Upflow plans are set by annual gross invoice value, from Starter up to $10m to Entreprise above $100m. Every Upflow tier is quote only, with unlimited seats.
Upflow connects to Xero, QuickBooks on a one-way sync polled every five minutes, NetSuite and Sage Intacct, plus Stripe Billing, Chargebee and Zuora.
Upflow reports Countback DSO, Collection Effectiveness Index (CEI), at-risk rate and billing-cohort forecasting. Upflow's last published prices were $440 a month on Grow and $880 on Scale.
Kolleno includes SMS and call allowances on its Enterprise tiers. Paidnice sends email and SMS, posts letters on Pro and above on request, and pushes team alerts to Slack, Teams, Discord, Telegram or WhatsApp over a webhook.
The full Xero tool-by-tool comparison is in credit control software for Xero.
Where do Satago, Credit Hound, Access Collect and Sidetrade fit?
Satago and Credit Hound fit businesses on Sage, Access Collect fits businesses already on Access Financials, and Sidetrade, HighRadius and Esker fit enterprises on SAP, Oracle or Dynamics.
Satago: best for Sage 50 users who want credit reports with their chasing, from £25 a month inside Sage 50, Satago's published GBP price. The standalone app runs £45 to £200 a month per company, pairs chasing with invoice finance, and connects to Sage, Xero, QuickBooks and FreeAgent.
Credit Hound: best for Sage 50 and Sage 200 teams buying through a reseller, at $25 to $454 a user a month. Credit Hound, from Draycir, prices per user, connects to Sage and Xero, and has no QuickBooks Online connector. No late fee or interest feature is published.
Access Collect: best for businesses already on Access Financials or Dimensions, from £3,600 a year, Access's published GBP price, with unlimited users. Access Collect runs only inside The Access Group's own ledger. Professional, at £6,600 a year, covers £10m to £30m revenue.
Sidetrade, HighRadius and Esker: best for enterprises on SAP, Oracle, NetSuite or Dynamics, with prices quoted on request. None of the three lists a Xero or QuickBooks Online connector.
How does Paidnice charge late fees and statutory interest on the ledger?
Paidnice runs two optional charge types on the same customer group: an Invoice Late Fee per overdue invoice, and a Statement Interest Charge per customer against the whole overdue balance.
Policies sit under customer groups, so several run at once. One group can charge Bank of England base rate plus a percentage, another a flat fee, another nothing. Compounding is on by default, through the "Include previous interest charges" toggle, so simple interest is the deliberate choice.
The Paidnice base rate toggle applies the correct base rate for each six-month block an invoice spans. The £40, £70 and £100 fixed compensation posts as its own line item, set out in the UK late payment fees guide.
Statement interest recalculates at the moment the statement is sent, so the figure the customer opens is accurate that morning. Adjust for Credit calculates on the net balance when the customer holds credit.
The fee posts as a real invoice in Xero or QuickBooks Online, Draft or Approved. A fee posted as an invoice enters the customer's AP system, their aged payables and their payment run. The posted fee is a receivable with a tax treatment and an income account, and can be netted against a credit note.
Neither ledger charges the interest for you. The request has sat on the Xero ideas board since 29 March 2012 with 1,114 votes and the status Accepted, and Xero's response of 7 July 2025, from Community Manager Kelly Munro, states there are no committed plans.
What you are entitled to charge is set out in how much you can charge for late fees. Where a late fee belongs in a reminder sequence is covered in Paidnice's dunning process guide.
What are the limitations of each credit control app?
Paidnice runs bureau credit checks on Custom only and reads no bank file, Chaser runs one global late fee rule, Kolleno sets a $1m turnover floor with seat minimums, and Upflow has no payment plans.
The limitation, Paidnice. Essentials and Pro have no bureau credit check, only an internal payer rating; Creditsafe checks are on Custom. Paidnice does no bank-file cash application. NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central sit on Custom, from $999 / £749.
The limitation, Chaser. Late fees run under one global rule for the whole account. It cannot vary by schedule or customer group, and applies no fee to payment-plan or partially paid invoices. Statements are monthly on a fixed day with recipients and senders you cannot change, and there is no bank-file matching. A demo comes before purchase.
The limitation, Kolleno. Per-user pricing with seat minimums and a $1m turnover floor sets a high entry cost for a small business. No late fee or interest feature is published, and no trial is published either. The tutorial depth is NetSuite-first, and Xero and QuickBooks coverage is thin.
The limitation, Upflow. No payment plans: customers can pay a partial amount or log a promise to pay. Upflow late fees exist through your ERP only, with no native computation. Automatic actions fire once a day on business days at one org-level time, and the free plan covers AR visibility only and is not a trial.
What do the reviews say about each credit control app?
Chaser is the most reviewed of the credit control apps, at 4.98 from 374 reviews on the Xero App Store, and Kolleno, Upflow and Paidnice each hold 5.0 there, from 18, one and 83 reviews.
| App | Xero App Store | Capterra |
|---|---|---|
| Paidnice | 5.0 from 83 reviews | 4.9 from 14 reviews |
| Chaser | 4.98 from 374 reviews | 4.9 from 45 reviews |
| Kolleno | 5.0 from 18 reviews | 5.0 from 8 reviews |
| Upflow | 5.0 from 1 review | 4.5 from 15 reviews |
Scores from different review platforms are not comparable, so each credit control app is shown per platform.
Which credit control software has a free trial?
Chaser publishes a 10-day trial and still requires a demo before you can buy. Kolleno publishes no trial. Upflow's free tier is sales-gated. Paidnice has a free action period: the first 20 actions are free, with no time limit and no card.
Chaser offers a 10-day trial and requires a demo before purchase; payment plans are not available on the Chaser trial.
Kolleno publishes no trial and is quote-led, with onboarding bundled into the plan.
Upflow has a free plan for AR visibility with no collection automation; the Upflow free plan is not a trial and needs a sales call first.
Paidnice has no free trial and no clock. Paidnice sign-up is free, the first 20 actions are free, there is no time limit and no credit card, and no demo is needed to buy.
Trial terms across the wider market, and what to test inside one, are in credit control software free trials.
Which credit control software is right for your ledger and size?
Paidnice for enforcing terms on Xero or QuickBooks, Chaser for letters, calls and credit checks, Satago or Credit Hound for Sage, Kolleno for NetSuite and SAP reconciliation, Upflow for AR analytics.
Shortlist by annual revenue first. Each band names the apps whose own published gate covers it. Upflow gates on gross invoice value, not revenue.
| Your annual revenue | Shortlist | The published gate |
|---|---|---|
| Up to $1m | Paidnice, Chaser Compact, Satago, Credit Hound | Paidnice fits any size; Chaser Compact covers up to £4m; Satago and Credit Hound publish no revenue gate |
| $1m to $10m | Paidnice, Chaser Compact or Core, Kolleno BusinessPay, Upflow Starter | Chaser up to £4m and £10m; Kolleno above $1m; Upflow Starter up to $10m of invoices |
| $10m to $50m | Paidnice, Chaser Complete, Kolleno Business Plus, Upflow Grow or Scale, Access Collect | Paidnice up to $50m; Chaser up to £100m; Kolleno above $10m; Upflow up to $50m of invoices; Access Professional £10m to £30m |
| Above $50m | Chaser Complete, Kolleno Business Plus or Enterprise, Upflow Accelerate, HighRadius, Esker, Sidetrade | Chaser up to £100m, then custom; Kolleno Enterprise above $100m; the enterprise suites quote on request |
Xero or QuickBooks, terms ignoredPaidnice fits. Reminders, statements and optional late fees on the ledger, a different policy per customer group, from $69 / £49 a month. No per-seat fee.
NetSuite or SAP, above $10mKolleno fits. Remittance parsing, BAI2, NACHA and ISO 20022 matching and NetSuite journal entries are the reasons to pick it. Auto-reconciliation starts on Business Plus, which needs two seats, so budget $2,490 a month.
SaaS billing, managing by metricUpflow fits. Countback DSO, CEI, at-risk rate and billing-cohort forecasting, with Stripe Billing, Chargebee and Zuora connections. From $440 a month on Grow, $880 on Scale iUpflow's last published price. Upflow now quotes by gross invoice value..
Sage 50 or Sage 200Look at Satago or Credit Hound. Satago runs inside Sage 50 from £25 a month with credit reports included. Credit Hound covers Sage 50 and Sage 200 from $25 a user a month. Chaser also syncs Sage 50, Sage 200 and Sage Intacct.
Past £4m, needs letters or callsChaser fits. Email, SMS, physical letters, automated calls and credit checks, priced on annual revenue, with Compact from £199 a month ex-VAT up to £4m. SMS, letters, calls and credit checks are metered on top.
To try Paidnice on your own overdue invoices: connect Xero or QuickBooks Online and set one reminder policy on one customer group. The first 20 actions are free, with no credit card.
Paidnice has head-to-heads for the pairs on this list: Chaser against Kolleno on the real monthly cost of each, Chaser against Upflow on late fees and fit, and Kolleno against Upflow on turnover gates.
For the wider field, read the best Chaser alternatives, the best Kolleno alternatives and the best Upflow alternatives. Paidnice's own credit control software covers reminders, statements and late fees on a Xero or QuickBooks ledger.
Accounting practices running credit control for clients have their own comparison in credit control software for accountants. The Paidnice page for practices is credit control software for accountants and bookkeepers.
Paidnice insightPaidnice launched in 2022 with late fees as the product's first job, and it is accounts receivable automation that enforces your payment terms. Customers cut their average wait for payment in half, within 30 days. Mechanics on the late fees page.
Questions people ask about credit control software
Seven questions buyers ask when they hold a shortlist of credit control tools, from the basic toolset to tracking customer payments.
What is credit control?
Credit control is the work of deciding how much credit to give a customer and then collecting what they owe on time: setting terms, checking new customers, chasing overdue invoices, escalating them and charging for lateness where the terms allow it. Credit control software automates the chasing, escalation and charging steps against the invoices in your ledger.
What are the tools of credit control?
Automated reminders on a schedule, escalation workflows, a customer payment portal, dispute tracking, statements, payment plans, credit checks and late fees or statutory interest. Chaser and Kolleno run credit checks, Kolleno and Upflow match bank files, and Chaser and Paidnice compute late fees, with Paidnice varying them per customer group.
What is the most popular accounts receivable software?
Review volume is the closest public signal. On the Xero App Store, Chaser holds 4.98 from 374 reviews, Paidnice 5.0 from 83, Kolleno 5.0 from 18 and Upflow 5.0 from one. Capterra scores are in the reviews section above.
What is the best software for credit reports?
Credit reports belong to credit management. Chaser sells credit checks as metered credits, Satago bundles credit reports into every plan, Kolleno connects bureau data, and Paidnice runs Creditsafe checks on its Custom plan, with your own Creditsafe account or Paidnice-supplied access.
What is the best debt collection software?
Debt collection is a separate category from credit control, and none of these credit control apps is a collections agency. Chaser routes escalated debt to a partner agency on a success fee. Kolleno, Upflow and Paidnice stop at the point where you would instruct a collector. Credit control software works before that point, and a collections agency after it.
How to manage accounts receivable effectively?
Set the payment terms, chase on a schedule, escalate through named senders as the debt ages, and charge for lateness so the invoice costs something to ignore. Our dunning process guide sets out the sequence, and automatic customer statements in Xero covers the monthly balance step.
How to keep track of customer payments?
Tracking comes down to how quickly payments are applied against your ledger. Kolleno reads bank files and parses remittance emails, Upflow auto-matches with rules and a bank-CSV upload, Chaser marks invoices paid in Xero and QuickBooks Online without bank-file matching, and Paidnice does no cash application. Ageing is covered in 30, 60 and 90 day ageing on Xero statements.
Stop chasing invoices.
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