Summary
Credit control software costs £45 to £49 a month for small-business chasing (Satago, Paidnice), £199 to £899 a month on turnover bands (Chaser, from £199 under £4m turnover), $650 a user a month on per-seat platforms (Kolleno) and a last reported $440 to $880 a month at Upflow, where current prices are hidden and must be requested. Statements-only tools start at $10 a month. Five models set the number, and the model decides how the bill grows.
- Paidnice: Best for a fixed price that follows invoice volume, from £49 a month ($69 in the US) for 150 invoices, priced by invoice volume, not revenue, with no per-seat fee.
- Satago: Best for UK small businesses that want credit reports bundled into the chasing tool, from £45 a month on three fixed tiers (£45, £80 and £200).
- Chaser: Best for letters, calls and credit checks on a revenue-band budget, from £199 a month under £4m turnover ($259 in the US), then £599 and £899 by turnover band.
- Kolleno: Best for enterprise finance teams that budget per seat, from $650 per user a month ($545 on annual billing), with plans set by turnover band.
You ask three vendors what their credit control software costs. One asks for your turnover, one counts your users, and one wants a call before it names a price. Here is what each vendor charges, what makes each bill rise and what to ask before you sign.
What does credit control software cost per month?
Credit control software costs £45 to £49 a month for small-business chasing (Satago, Paidnice), £199 to £899 a month on turnover bands (Chaser, from £199 under £4m turnover), $650 a user a month on per-seat platforms (Kolleno) and a last reported $440 to $880 a month at Upflow, where current prices are hidden and must be requested. Statements-only tools such as Statey start at $10 a month per Xero organisation.
HighRadius was last reported at $50,000 to $150,000 or more a year, and its current prices are hidden and must be requested. Sidetrade and Esker publish no price, and we found no reliable reported figure, so request a quote.
AR automation is another name for this category, so these prices also answer what AR automation costs. The small-ledger example sets those prices against the cash a 12-day fall in DSO would release.
Three things set the number a vendor gives you: company turnover, invoice volume and the number of users who need a login.
- Chaser sets its monthly price by bands of company turnover.
- Kolleno and Credit Hound charge a monthly price for each user.
- Satago publishes fixed tiers per company, set by feature allowances (credit reports, emails, SMS).
- Paidnice publishes fixed tiers metered on invoice volume alone.
- Extras such as SMS, credit checks, implementation and payment processing are charged on top of most of these prices.
What is each vendor's entry price?
The lowest published chasing price is Satago at £45 a month, with Paidnice at £49, and each price below is in the vendor's own currency.
| Vendor | Entry price | Priced by | Best for |
|---|---|---|---|
| Paidnice | £49 a month (US$69, AU$99, NZ$109 ex GST) for 150 invoices | Invoice volume | Late fees, interest and reminders on the Xero or QuickBooks ledger |
| Statey | $10 a month (£8 in the UK) per Xero organisation | Flat, per organisation | Statements only |
| Satago | £45 a month, then £80 and £200 (published in GBP) | Fixed tiers | Credit reports with chasing, UK |
| Credit Hound Cloud | £20 per user a month on Sage Accounting; £51 first user then £35 each on Sage 50 and Xero; £82 then £50 on Sage 200 (USD from $25) | Per user | Dispute and promise-to-pay tracking on Sage |
| Chaser | £199 a month under £4m turnover ($259 in the US); £599 under £10m; £899 under £100m | Turnover band | Letters, calls and credit checks |
| Access Collect | £3,600 a year Essential; £6,600 Professional (published in GBP) | Revenue band, unlimited users | Access Financials users, as a native module |
| Kolleno | $650 per user a month ($545 annual), under £1M turnover | Per user | Bank-file matching for finance teams |
| Upflow | Last reported $440 (Grow) and $880 (Scale) a month; current prices are hidden and must be requested. The pricing page's structured data lists Starter at $333 | Gross invoice value, quote-led | AR analytics on a billing stack |
| HighRadius | Last reported $50,000 to $150,000 or more a year; current prices are hidden and must be requested | Volume, seats and modules | ERP-scale order-to-cash |
| Sidetrade, Esker | No price reported; request a quote | Volume, seats and modules | ERP-scale order-to-cash |
Satago costs £45 a month on Basic, then £80 on Premium and £200 on Platinum, all published in GBP. Upflow was last reported at $440 (Grow) and $880 (Scale) a month in 2024, and HighRadius at $50,000 to $150,000 or more a year. Current prices for both are hidden and must be requested. Sidetrade and Esker publish no price, so request a quote.
Verify current pricing with each vendor before you budget. Chaser and Kolleno are compared line by line in Chaser vs Kolleno, and Chaser's bands against cheaper options in the Chaser pricing breakdown.
How much does credit control software cost by pricing model?
Credit control software is priced on one of five things: company turnover bands (Chaser), per user (Kolleno, Credit Hound), quote-led tiers by gross invoice value (Upflow), fixed tiers by feature allowance (Satago), or a fixed price by invoice volume (Paidnice).
Each pricing model answers "what am I paying for?" differently, and the bills diverge as turnover, headcount or invoice count grows (see the three-year table below).
Of the five models only invoice volume tracks the work done, and the one vendor using it, Paidnice, starts at £49 a month. Satago's fixed tiers are set by credit report, email and SMS allowances per company, not by invoice count.
| Model | Your bill rises when | Used by | Typical monthly price |
|---|---|---|---|
| Turnover bands | Company revenue crosses a threshold | Chaser, Access Collect | £199 to £899 (Chaser) |
| Per user | Anyone else needs access | Kolleno, Credit Hound | $650 a user (Kolleno); £20 to £51 a user for Sage Accounting, Sage 50 and Xero (Credit Hound) |
| Quote-led tiers | The renewal conversation says so | Upflow, HighRadius, Sidetrade, Esker | Upflow last reported $440 and $880; current prices hidden, request a quote |
| Fixed tiers, by feature | You need more credit reports, emails or SMS | Satago | £45 to £200 per company |
| Fixed, by invoice volume | You actually send more invoices | Paidnice | £49 to £599 |
Paidnice's £49 ($69) fixed tier includes late fees, interest and reminders, which a statements-only tool such as Statey does not, and a quote-led renewal can change without any change in workload.
What does Chaser charge each month?
Chaser, best for letters, calls and credit checks, costs from £199 a month under £4m turnover ($259 in the US) on Compact, banded by annual revenue. Compact covers turnover under £4m, Core is £599 a month under £10m and Complete £899 under £100m, with custom pricing above that and 10% off for annual billing.
Two things to check before comparing on the £199 figure. The Compact band caps users at four, and crossing £4m in revenue moves you to £599 regardless of whether your usage changed. Adding Chaser Care, the outsourced credit-control service, brings the combined bill to £899 on Compact, £1,599 on Core and £2,099 on Complete.
What does Kolleno charge per seat?
Kolleno, best for finance teams matching bank payments, costs $650 per user a month on its entry plan, for businesses under £1M turnover: the price is in US dollars and the turnover band in pounds. Business Plus is $1,245 per user for £1M to £100M turnover (minimum two users, $995 on annual billing), with custom Enterprise plans from £100M (minimum three users). Prices are published, and Kolleno asks for a demo before you buy.
What does Credit Hound charge per user?
Credit Hound Cloud, best for dispute and promise-to-pay tracking on Sage, costs £20 per user a month for Sage Accounting customers, £51 for the first user plus £35 per extra user on Sage 50 and Xero, and £82 plus £50 on Sage 200.
The pricing page also offers USD, EUR, CAD, AUD and ZAR, with the US band running from $25 per user. The PayThem payment-links module is £38 a month on every tier, and the on-premise edition sold through resellers has no public price.
Why does seat-based pricing punish a small finance team?
Per-user pricing charges for every person who logs in, so a finance team of five pays five times the seat price. Kolleno at $650 per user a month is the clearest example; Credit Hound charges £20 per user on Sage Accounting and £51 for the first user on Sage 50 or Xero.
Paidnice charges no per-seat fee on any plan: Essentials includes two team members, and Pro and Custom include unlimited users. Practices paying per client ledger should read the accountants' pricing guide, where each client organisation is priced on its own invoice volume.
What does Upflow charge, and why is it quote-only?
Upflow suits finance teams running a subscription billing stack. Its last published prices were $440 a month on Grow and $880 on Scale, and its current prices are hidden and must be requested. Its pricing page lists five tiers, Starter, Grow, Scale, Accelerate and Enterprise, gated by annual gross invoice value, and every one of them says "ask for a quote".
The page's structured data lists Starter at $333 and Grow at $833 a month, and the previously published list prices were $440 on Grow and $880 on Scale.
Upflow's pricing FAQ mentions a free Discover plan, but it is not among the plan cards; it is analytics only, with no collection automation, and Upflow's own wording is that it is not a trial.
What does Satago charge on each tier?
Satago, best for UK small businesses that want credit reports bundled into the chasing tool, costs £45 a month on Basic, £80 on Premium and £200 on Platinum, all published, fixed prices in GBP.
The tiers differ on credit reports (25, 100 and unlimited a year), email reminders (100 a month on Basic, unlimited above) and SMS (100 a month on Premium, 1,000 on Platinum). Sage 50 subscribers can get an embedded edition from £25 a month.
What does Paidnice charge, and how is the tier metered?
Paidnice, best for late fees and interest posted to the ledger, is credit control software priced by invoice volume, starting at £49 a month ($69 in the US) for 150 new invoices a month and 600 emails with two team members.
Pro tiers step by invoice volume: £74 for 300 invoices, £129 for 600, £199 for 1,000, up to £599 for 4,000, every Pro tier with unlimited users, custom-domain sending and payment plans.
Custom plans, for ERP and custom integrations at any invoice volume, start at £749, with no per-seat fee and no contract on any plan.
Paidnice counts the new invoices produced each month, in your own currency with hard-coded local prices rather than converted ones. Quotes and estimates count towards the plan limit, so 150 invoices plus 100 quotes a month is a Pro 300 plan.
The late fee invoices Paidnice raises do not count. See every Paidnice plan and price in your currency on the pricing page.
At 150, 500 and 2,000 invoices a month the bill is £49, £129 and £349 (US$69, $179 and $489).
Every plan includes late fees and statutory interest, reminders, statements, escalations and cohort forecasting; Pro adds custom-domain sending, payment plans and unlimited users. Signing up is free, the first 20 actions are free, and no credit card is required, which is the model examined in credit control software free trials.
What hidden costs does credit control software have?
The sticker price on most credit control software leaves out four things: metered channels, implementation, credit checks and payment processing. Each one has a published figure somewhere in the category. For an ERP, implementation means admin time: NetSuite AR automation implementation and Business Central setup.
- SMS, calls and letters. Chaser meters SMS at £0.05 to £0.07 a message, calls at £0.08 a credit-minute and letters at £1.25 to £1.50. Paidnice charges SMS at $0.10 (£0.05) a message and posted letters at US$2.00 each (£1.50 in the UK), printing and postage included, on the Pro plan and up by request.
- Implementation and ERP setup. Kolleno states that extra charges may apply for integrations, customisations and add-ons, and bundles three hours of onboarding only from its $1,245 tier. Access Collect and Credit Hound publish no setup fee. Paidnice Custom plans include an implementation specialist and custom ERP integrations in the plan price.
- Credit checks per report. Chaser charges £2 to £3 a check. Satago bundles 25, 100 or unlimited reports a year by tier. Paidnice runs native credit checks from payment behavior on every plan, and Creditsafe bureau checks on the Custom plan.
- Payment fees on pay-now links. Chaser Pay takes 2.00% + 20p on UK cards and 3.40% + $0.30 on US cards. Upflow's Payments module is $390 a month plus 3.5% + $0.30 a card payment. Credit Hound's PayThem module is £38 a month. Paidnice takes payment through your own Stripe or Pinch Payments account.
What does each pricing model cost as the business grows?
Under the turnover, per-user and quote-led models the bill rises because the company grew, not because the chasing workload did. Take a business at £3m revenue with a three-person finance function sending 250 invoices a month, growing to £9m and five people over three years, with invoice volume roughly doubling.
| Model | Year one | Year three | Why it moved |
|---|---|---|---|
| Turnover bands | £199 | £599 | Revenue crossed £4m |
| Per user (Kolleno Business Plus, $1,245/user) | ~$3,735 | ~$6,225 | Two more seats |
| Quote-led | Quoted | Re-quoted | Renewal negotiation |
| Invoice volume (Paidnice) | £74 | £129 | Invoices doubled |
Over three years the turnover-band bill triples from £199 to £599 and the per-user bill rises by two seats, while the invoice-volume bill moves from £74 to £129 because the invoice count doubled.
What does AR automation cost a small business?
AR automation for a small ledger of 80 invoices a month costs £540 to £2,388 a year on prices vendors publish in pounds. On that ledger, a 12-day fall in days sales outstanding (DSO), the gap between businesses in our data, would release about £15,800 of cash, against £588 for a year of Paidnice Essentials.
Take a UK business that sends 80 invoices a month at an average of £500. That is £40,000 a month and £480,000 a year, with one person chasing. Dollar prices stay in dollars here because those vendors publish them that way.
| Plan for this ledger | A month | 12 months |
|---|---|---|
| Satago Basic (100 email reminders a month) | £45 | £540 |
| Paidnice Essentials (150 invoices) | £49 | £588 |
| Credit Hound on Xero, one user | £51 | £612 |
| Chaser Compact (under £4m turnover) | £199 | £2,388 |
| Upflow Grow, last reported price | $440 | $5,280 |
| Kolleno entry plan, one user | $650 | $7,800 |
Upflow's current prices are hidden and must be requested. The extras listed earlier, such as SMS, letters and card fees, come on top.
How fast does AR automation pay back?
AR automation pays back first in cash, once faster payments land: on this ledger each day of DSO holds about £1,315, so a £588 year of Paidnice Essentials equals under half a day of DSO.
Reminders and late fees shorten the wait. Businesses that run reminders and late fees together have a DSO of about 27 days. With no automation switched on, DSO is about 39 days.
That 12-day gap compares different businesses rather than one business before and after, so treat it as a target for your own ledger. On £480,000 a year, 12 days would release about £15,800 once.
Released cash reaches you sooner and is separate from profit. The gain in profit comes from interest you stop paying on borrowing, late fees collected and staff time moved to other paid work.
Late fees are optional. A UK supplier can add a £40 fixed sum to a late business invoice under £1,000, so two sums paid in a month cover the £49 fee.
Three steps give your own payback:
- Cash released: annual billing, divided by 365, multiplied by the DSO days saved.
- Yearly gain: cash released multiplied by your borrowing rate, plus late fees collected and staff time you reuse.
- Payback in months: the plan's yearly cost, divided by the yearly gain, multiplied by 12. ROI is the gain minus the cost, divided by the cost.
Is credit control software priced differently in the UK?
Credit control software is priced in pounds for most UK buyers, because Satago (from £45 a month), Chaser (from £199), Access Collect (from £3,600 a year) and Credit Hound (from £20 a user) all publish GBP list prices.
Kolleno and Upflow publish their prices in US dollars, while Paidnice hard-codes a GBP price of £49 a month rather than converting from dollars and Statey shows £8 a month to UK accounts.
What should you ask a credit control software vendor before you sign?
Six questions, put to the vendor in writing, expose how a credit control software quote will move: what the price follows, the next threshold, the add-ons, the currency, the contract and the seat count.
- What does the price follow? Turnover, seats, invoice value or invoice volume. Everything else follows from this.
- What happens at the next threshold? Chaser's next band moves £199 to £599, so get the next number in writing.
- Which features cost extra? Chaser meters SMS at £0.05 to £0.07 a message and letters at £1.25 to £1.50.
- What currency is the quote in? Kolleno and Upflow quote in dollars and Satago in pounds. Chaser publishes pounds, US dollars, euros, Australian and New Zealand dollars. A comparison that mixes them without converting is wrong from the first row.
- Is there a contract or a lock-in? An annual discount, 10% at Chaser, makes leaving harder.
- Who else needs access, and what does each of them cost? Each extra Kolleno seat adds $650 a month.
Eligibility and feature fit across the same vendors is covered in credit control software compared by turnover, seats and cost, and the sub-£100 end of the market in the UK small-business shortlist.
If nobody owns the chasing at all, price the tool against the attention it needs, which is the argument in running credit control when nobody's job is chasing invoices.
What do buyers ask next about credit control software prices?
Buyers comparing credit control software prices usually ask what to budget, from £45 a month, and whether any tool is free.
What is a realistic monthly budget for credit control software?
A realistic budget depends on what sets the price: £45 to £49 a month for small-business chasing, £199 to £899 on turnover bands, and $650 a user on per-seat platforms. Statements-only tools such as Statey cost $10 a month, and the pricing model decides what the same business pays in year three.
Is there free credit control software?
Free credit control software is rare: Upflow's Discover plan is free but analytics only, with no collection automation, and Paidnice sign-up is free with no card and the first 20 actions free with no deadline. Statey runs a 32-day trial and Chaser a 10-day trial.
How we chose and priced the vendors
The vendor table covers tools across all five pricing models, from a $10 statements tool to quote-only enterprise suites. Three criteria carry weights that add up to 100%, and each is a column of the table.
- Entry price (40%): each vendor's own pricing page, read as plain text, in the currency the vendor publishes.
- Priced by (35%): the same pricing pages, on what the bill scales with: turnover, users, invoice value, allowances or invoice volume.
- Best for (25%): each vendor's product and help pages.
HighRadius is shown at its last reported price. Sidetrade and Esker publish no price, so they are shown as quote only. Upflow's $440 and $880 are its last list prices, reported in 2024.
The weights are our editorial judgment.
Read the transcript: Credit control software pricing: the 5 models (2026)
Credit control software is priced five ways, and only one of them follows the number of invoices you chase. This video explains the five models, what each one costs today, the apps that can support you, Paidnice among them, and which model fits the size of business you are.
Here is what we cover. One, why the pricing model matters more than the headline price. Two, the five models: turnover bands, per user, quote led, fixed tiers, and invoice volume.
Three, the apps that can support you. Four, one business over three years, priced each way.
The headline price is the year one price. The model decides the year three price. A bill tied to turnover rises when you win business.
A bill tied to seats rises when you hire. A quote led bill renews as a negotiation, not a published figure. Only a bill tied to invoice volume rises with the actual work: the number of invoices being chased.
Ask how the price moves before you ask what it is.
Chapter two, the five models. Model one, turnover bands. Chaser prices by your annual revenue: £199 a month under £4m, £599 under £10m, £899 under £100m, then custom.
The entry tier is capped at four users. Adding its outsourced credit control service brings the combined bill to £899 on the entry tier and £2,099 on the top tier. It suits a company happy to pay for its size rather than its usage.
Model two, per user. Kolleno charges $650 per user per month, $545 on an annual plan, for businesses under £1m in turnover. From £1m to £100m it is $1,245 per user, with a two user minimum.
A three person credit team at that size pays about $3,735 a month before anyone chases an invoice. Credit Hound also charges per user, from £20 a month. This model suits a dedicated credit team with full time seats.
Model three, quote led. Upflow has five tiers set by annual invoice value, and every one of them says ask for a quote. Its last reported prices were $440 a month on Grow and $880 on Scale.
Current prices are hidden and must be requested. The free plan is analytics only, with no collection automation. You disclose your size to get a number, and the number is quoted again at renewal.
Fine for a business that negotiates every contract. Hard to budget for anyone else.
Model four, fixed tiers by feature. Satago publishes three tiers at £45, £80 and £200 a month per company. The tiers differ on credit reports, emails and SMS.
Your bill rises when you need more of those, not when you send more invoices.
Model five, fixed pricing by invoice volume. Paidnice starts at £49 a month, US$69, AU$99 or NZ$109 excluding GST, for 150 monitored invoices, 600 emails and two team members. Pro runs from £74 for 300 invoices to £599 for 4,000, with unlimited users.
Prices are set in local currency, not converted. Priced by invoices, no per seat fee, no contract.
Chapter three: the apps. Paidnice suits a business that wants its bill to follow its invoice count rather than its turnover or its headcount. It is priced by the work: invoices monitored a month, in your own currency, with reminders, SMS, statements, late fees and interest on every plan, and payment plans from the Pro plan, for Xero and QuickBooks Online.
It exists to automate fees and run the whole process end to end at a low price. Other apps also serve this market, each for a particular buyer. Chaser has turnover bands from £199, for a business that wants letters, calls and credit checks.
Satago has fixed tiers from £45, with credit reports as the draw. Kolleno costs $650 a seat, for finance teams matching bank payments. Upflow was last reported at $440 a month, and its current prices are hidden, for a team on a subscription billing stack.
Pick the model that rises with your work.
Chapter four. Take a £3m business with a three person finance team and 250 invoices a month. Three years on it turns over £9m, has five people, and the invoice count has roughly doubled.
On turnover bands the bill goes from £199 to £599, because revenue crossed £4m. Per user, from about $3,735 to about $6,225, because of two more seats. Quote led, from quoted to quoted again.
Fixed tiers stay the same until you need more credit reports, emails or SMS. On invoice volume, Paidnice goes from £74 to £129, because the invoices doubled. The features are not like for like, so compare how each bill moves.
Five models: turnover, seats, quotes, fixed tiers, and invoice volume. Only one of them rises with the number of invoices you chase. The figures come from each vendor's pricing page, or the last reported price where a vendor hides it.
The full tables are in the article at paidnice.com.
Paidnice features in this article
About the editorial team
Denym started Paidnice in 2022 after customers paying late left his own business short on payroll. He has led it to $1 billion collected on time across more than 1 million invoices, and writes about credit control, late fees and getting paid on Xero and QuickBooks.
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