Summary
Credit control software pricing runs from about $10 a month for a statements-only tool, through £45 to £49 a month for small-business chasing, up to £199 to £899 a month on turnover bands and $650 per user a month on per-seat platforms, with enterprise suites by quote. Four 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 $259 a month (£199 in the UK) under £4m turnover.
- Kolleno: Best for enterprise finance teams that budget per seat, from $650 per user a month ($545 on annual billing), sold above $1m turnover.
What does credit control software cost per month?
Credit control software costs from £45 a month at the small-business end to several thousand a month on per-user platforms: Satago from £45, Paidnice from £49, Chaser from £199, Kolleno from $650 per user, and Upflow by quote.
Statements-only tools such as Statey start lower, at $10 a month per Xero organisation. The enterprise suites, HighRadius, Sidetrade and Esker, publish no price and quote by volume and modules.
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.
- Paidnice and Satago publish fixed tiers, and Paidnice meters the tier on invoice volume alone.
- Extras such as SMS, credit checks, implementation and payment processing are charged on top of most of these prices.
The vendor table below lists each entry price in the vendor's own published currency; the lowest published chasing price is Satago at £45 a month, with Paidnice at £49.
| 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 50; £51 first user then £35 each on Xero and Sage 200 (USD from $25) | Per user | Dispute and promise-to-pay tracking on Sage |
| Chaser | $259 a month (£199 in the UK) under £4m turnover; £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), above $1m turnover | Per user | Bank-file matching for finance teams |
| Upflow | Quote only; the pricing page's structured data lists Starter at $333 | Gross invoice value, quote-led | AR analytics on a billing stack |
| HighRadius, Sidetrade, Esker | Quote only | 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, HighRadius, Sidetrade and Esker publish no price at all, so budgeting for them starts with 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 four denominators: company turnover bands (Chaser), per user (Kolleno, Credit Hound), quote-led tiers by gross invoice value (Upflow), or a fixed price by invoice volume (Satago, Paidnice).
Each of the four pricing models 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 four models only invoice volume tracks the work done, and the two vendors using it, Satago and Paidnice, start at £45 and £49 a month.
| Model | Your bill rises when | Used by |
|---|---|---|
| Turnover bands | Company revenue crosses a threshold | Chaser, Access Collect |
| Per user | Anyone else needs access | Kolleno, Credit Hound |
| Quote-led tiers | The renewal conversation says so | Upflow, HighRadius, Sidetrade, Esker |
| Fixed, by invoice volume | You actually send more invoices | Satago, Paidnice |
Paidnice's £49 ($69) fixed tier includes late fees, interest and payment plans, which a statements-only tool such as Statey does not, and a quote-led renewal can change without any change in workload.
Credit control starts at the due date. In the latest Xero Small Business Insights month the share of invoices paid late runs from 4.3% in Australia to 11.4% in Canada, with the UK and the US both at 8.3%.
| Country | Paid late | Year on year |
|---|---|---|
| Australia | 4.3% | -2.7 pts |
| New Zealand | 5.1% | -0.5 pts |
| UK | 8.3% | -0.9 pts |
| US | 8.3% | -0.1 pts |
| Canada | 11.4% | +0.8 pts |
Source: Xero Small Business Insights, June 2026. See the full data on the Paidnice accounts receivable statistics dashboard.
The rate is steady, so the work is continuous rather than seasonal.
What does Chaser charge each month?
Chaser, best for letters, calls and credit checks, costs from $259 a month (£199 in the UK) on Compact, banded by annual revenue. Compact covers turnover under £4m, Core is £599 a month under £10m and Complete £899 under £100m, all GBP prices ex VAT, 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, in US dollars, and the plan is only sold above $1m turnover. The higher tier is $1,245 per user above $10m turnover (minimum two users, $995 on annual billing), with custom enterprise plans above $100m. Final pricing is quoted after a demo.
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 50 and Sage Accounting customers, and £51 for the first user plus £35 per extra user on Xero and 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 50.
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, and it publishes no list price on any of its five tiers. Its pricing page lists five tiers, Starter, Grow, Scale, Accelerate and Entreprise, 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, starts at £49 a month ($69 in the US) for 150 monitored invoices 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 4,000+ invoices 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.
- 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 credit checks through Creditsafe on the Custom plan, metered monthly on top of the 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 three of the four 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 ($650/user) | ~$1,950 | ~$3,250 | 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.
Is credit control software priced differently in the UK?
Credit control software is priced in pounds for most UK buyers, because Chaser, Satago, Access Collect and Credit Hound all publish GBP list prices, and Chaser states its GBP prices ex VAT.
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: the denominator, the next threshold, the add-ons, the currency, the contract and the seat count.
- What is the denominator? Turnover, seats, invoice value or invoice volume. Everything else follows from this.
- What happens at the next threshold? Get the number for the tier above you in writing before you need it.
- Which features cost extra? SMS, phone, portals and specialist services are commonly priced separately.
- What currency is the quote in? Kolleno and Upflow quote in dollars, Chaser and Satago in pounds. A comparison that mixes them without converting is wrong from the first row.
- Is there a contract or a lock-in? An annual discount lowers the price but makes leaving harder.
- Who else needs access, and what does each of them cost? Per-seat models turn visibility into a line item.
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.
Questions buyers ask next
Buyers comparing credit control software prices usually ask two follow-up questions: what to budget, and whether any tool is free. Each answer below uses the published figures from the vendor table, such as Paidnice at £49 a month and Chaser from $259.
What is a realistic monthly budget for credit control software?
A realistic credit control software budget is £45 to £49 a month for small-business chasing, £199 to £899 on turnover bands and $650 per user on per-seat platforms. Statements-only tools such as Statey cost $10 a month, and the pricing model behind the number 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.
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