Summary
Chaser vs Satago comes down to size and channels. Chaser suits established UK businesses past £4m turnover that want email, SMS, letters and calls with Creditsafe checks, from £199 a month. Satago suits smaller firms, often on Sage 50, that want credit reports and invoice finance beside email chasing, from £45 a month or £25 inside Sage 50.
- Paidnice: Best for enforcing payment terms on Xero or QuickBooks Online at any size up to $50m a year, from £49 a month ($69), priced by invoice volume, not turnover or seats.
- Chaser: Best for established UK businesses past £4m turnover that need letters, calls or bureau credit checks, from £199 a month.
- Satago: Best for small firms on Sage 50 that want credit reports and invoice finance with their chasing, from £45 a month (£25 inside Sage 50).
Credit control software guide▾
Your accountant suggests Chaser, and your Sage 50 account manager tells you Satago comes included with some Sage 50 subscriptions. Both chase overdue invoices by email. Here is what each one charges for, who it is built for, and which fits your ledger and size.
Who are Chaser and Satago built for?
Chaser is built for established UK businesses past £4 million turnover that chase across several channels. Satago is built for small and mid-sized firms that want credit reports and access to invoice finance beside their reminders.
Chaser
Chaser is credit control software that chases by email, SMS, posted letters and automated calls, and runs Creditsafe credit checks.
Its plans are banded by annual turnover: Compact under £4m, Core under £10m and Complete under £100m. It has been on the Xero App Store since 2015 and connects to Xero, QuickBooks Online, Sage 50, Sage 200, Sage Intacct, NetSuite and Business Central.
Satago
Satago pairs email reminders with Risk Insights (credit scores, suggested credit limits and alerts) and single or whole-ledger invoice finance. It connects to Sage, Xero, QuickBooks, KashFlow and FreeAgent. Inside Sage 50 it runs as an embedded app from £25 a month, and its standalone plans run £45 to £200 a month.
What are the main differences between Chaser and Satago?
Chaser and Satago differ most on channels, credit data and finance. Chaser chases on four channels and sells credit checks per credit. Satago includes credit reports in each plan and offers invoice finance, which Chaser does not.
| What is compared | Chaser | Satago |
|---|---|---|
| Channels: how a reminder reaches the customer | Email, SMS, posted letters, automated calls | Email on every plan; SMS on Premium and Platinum |
| Credit data: how you check a customer | Creditsafe reports, £2 to £3 a credit, sold on Chaser billing | Credit reports included: 25, 100 or unlimited by plan |
| Finance: cash against unpaid invoices | None | Single invoice finance and whole-ledger finance |
| Done-for-you chasing | Chaser Care, bundled from £899 a month | None as a Satago service; accountants can run it for clients |
| Late fees | Four calculation types under one set of rules | Optional late fee added to reminder emails |
| Priced by | Your annual turnover | Plan tier and allowances |
Satago wins on finance and included credit data. If you want to draw cash against a slow invoice, Satago offers it in the same app.
Its help docs say the credit tools and chasing come with finance at no extra cost (Satago credit control). Credit reports are part of every Satago plan, so a small team checking new customers does not buy credits.
Chaser wins on channels and service. Posted letters and automated calls are on Chaser's channel list, and Chaser Care adds a dedicated AR specialist who makes calls and handles disputes. Satago's pages name email and SMS only.
What do Chaser and Satago have in common?
Chaser and Satago both sync invoices from Xero, QuickBooks and Sage, run scheduled email reminders against overdue invoices, take card payments from the reminder and offer a free trial.
- Ledgers: both list Xero, QuickBooks and Sage. Chaser adds Sage 200, Sage Intacct, NetSuite and Business Central.
- Payments: Chaser Pay takes card, open banking, Apple Pay and Google Pay. Satago takes card and buy now pay later on Premium and Platinum.
- Trials: Chaser offers 10 days on its Xero listing, with no card. Satago offers 14 days.
- Reviews: Chaser is rated 4.98 from 374 reviews on the Xero App Store, and Satago 4.93 from 92.
How much do Chaser and Satago cost a month?
Chaser costs £199, £599 or £899 a month by turnover band. Satago costs £45, £80 or £200 a month standalone, or £25 to £45 inside Sage 50. Chaser takes 10% off for yearly billing, and Satago charges ten months for a year.
| Plan | Monthly | Billed yearly | What sets the plan | Main limits |
|---|---|---|---|---|
| Chaser Compact | £199 | £179 a month | Turnover under £4m | 4 users, 30 templates, 4 workflows |
| Chaser Core | £599 | £539 a month | Turnover under £10m | Unlimited users, multi-entity |
| Chaser Complete | £899 | £809 a month | Turnover under £100m | Adds an account manager and AR forecast |
| Satago Basic | £45 | £450 a year | Allowances | 25 credit reports, 100 email reminders a rolling 30 days, no sending from your own email |
| Satago Premium | £80 | £800 a year | Allowances | 100 credit reports, unlimited email, 100 SMS, your own email, card payments |
| Satago Platinum | £200 | £2,000 a year | Allowances | Unlimited credit reports, 1,000 SMS, account manager |
| Satago in Sage 50 | £25 or £45 | Not published | Sage 50 subscription | Unlimited users and chasing; 3 or 25 credit reports a year |
Chaser meters its extras. SMS costs £0.05 to £0.07 a message, letters £1.25 to £1.50, calls £0.05 to £0.08, and Creditsafe checks £2 to £3 a credit. Credit checks need Chaser billing, so a Xero App Store subscriber must move billing first (Chaser help). Chaser Care bundles cost £899, £1,599 or £2,099 a month.
Satago's limits sit in the allowances. Basic caps email reminders at 100 a rolling 30 days, so a business sending more than about 25 reminders a week needs Premium. Satago Plus inside Sage 50 is included with selected Sage 50 subscriptions through a Sage account manager.
Below £4m turnover, Satago is the cheaper of the two at every tier. Chaser Compact at £199 is close to Satago Platinum at £200, and the two buy different things: Chaser buys channels and users, Satago buys credit reports and SMS volume.
How do late fees work on Chaser and Satago?
Chaser calculates late fees four ways under one set of rules, and Satago adds an optional late fee, calculated within statutory limits, to its reminder emails. Neither tool runs different fee rules for different customer groups.
Chaser's four types are a fixed amount, the Bank of England base rate (UK only, accruing daily), a daily percentage and a one-time percentage. You can combine them and set the days overdue. The rules apply across the account or to selected debtors, not per schedule, and no fee applies to payment-plan invoices (Chaser help).
The UK Late Payment of Commercial Debts (Interest) Act 1998 allows base rate plus 8% on a business debt, plus £40, £70 or £100 fixed compensation by invoice size. One rule for every customer charges the same to accounts on negotiated terms. The late fees page shows how Paidnice sets a policy per customer group.
Which is better on Sage 50, Xero or QuickBooks Online?
On Sage 50, Satago is the lower-cost route because it runs inside Sage 50 from £25 a month. On Sage 200, Sage Intacct, NetSuite or Business Central, Chaser connects and Satago does not list them. On Xero or QuickBooks Online, both connect.
- Sage 50: Satago's embedded app gives unlimited users and chasing. Chaser syncs Sage 50 UK on its standard plans. See credit control software for Sage.
- Sage 200 and the ERPs: Chaser is the one of the two that connects.
- Xero and QuickBooks Online: both connect, and so does Paidnice. The Xero view is in credit control software for Xero.
Should you choose Chaser or Satago?
Choose Chaser if you are past £4 million turnover and want letters, calls or a done-for-you service. Choose Satago if you are smaller, on Sage 50, or want invoice finance and credit reports in one plan.
| Your situation | Start with | Why |
|---|---|---|
| Past £4m, customers ignore email | Chaser | Letters and automated calls, Creditsafe checks, Chaser Care |
| Under £4m on Sage 50 | Satago | Runs inside Sage 50 from £25 a month, unlimited users |
| Need cash before customers pay | Satago | Invoice finance in the same app |
| On Sage 200, Intacct, NetSuite or Business Central | Chaser | Satago does not list these systems |
| On Xero or QuickBooks Online, customers ignore your terms | Paidnice | Late fees per customer group, priced by invoice volume |
Which tool fits an owner, a credit controller or an accountant?
An owner chasing alone gets the most from Satago's included allowances, a credit controller gets more from Chaser's channels and workflows, and an accountant can run either for clients.
- Owner or founder: Satago Basic at £45 covers 100 reminders a rolling 30 days and 25 credit reports. Check the email cap against your monthly invoice count.
- Credit controller: Chaser Core adds unlimited users and multi-entity; Compact caps you at 4 users and 4 workflows. Letters and calls cover the customers who never open email.
- Accountant or bookkeeper: Chaser runs a partner channel for practices, and Satago's platform lets accountants run credit control for clients. Our guide for accountants compares the practice options.
Where does Paidnice fit next to Chaser and Satago?
Paidnice fits a Xero or QuickBooks Online business whose payment terms get ignored. It runs reminders, statements, late fees, payment plans and escalation, from £49 a month ($69), priced by invoice volume, not by revenue.
Paidnice sets a different late fee and interest policy for each customer group, auto-indexes the UK base rate and posts the charge to the ledger. Customers pay from the reminder through Stripe or Pinch, with deposits and auto-pay; instalment plans start on Pro. Paidnice is credit control software that enforces your payment terms.
Paidnice runs native credit checks from each customer's payment behaviour on every plan, and Creditsafe bureau checks through the API on its Custom plan only. Paidnice has no Sage 50 or Sage 200 connection. A Sage 50 business that wants Paidnice can consider moving to Xero or QuickBooks Online.
Chaser's price rises with your turnover, and Satago's with your allowances. Paidnice prices by invoice volume, so you pay for the work Paidnice does, not for the size of your business.
The wider field is in our credit control software comparison. For each tool on its own, read Chaser pricing and alternatives and Satago alternatives.
How we compared Chaser and Satago
We weighed five criteria, and the weights add up to 100%.
- Price and what it scales on (25%): each vendor's own pricing page.
- Channels and credit data (25%): each vendor's product pages and help docs. We count shipped features only.
- Ledger fit (20%): each vendor's integrations page.
- Late fees (15%): each vendor's help docs, on how the charge is calculated and who it applies to.
- Reviews (15%): the UK Xero App Store, with the review count beside each score.
Frequently asked questions
Is Satago cheaper than Chaser?
Yes, Satago is cheaper than Chaser at each entry point. Satago starts at £45 a month standalone and £25 inside Sage 50, and Chaser starts at £199 a month for turnover under £4m. Satago Platinum at £200 is close to Chaser Compact, and the two buy different things: credit reports and SMS against channels and users.
Does Chaser or Satago include credit checks?
Both offer credit data, sold in different ways. Satago includes credit reports in every plan, from 25 a month on Basic to unlimited on Platinum. Chaser sells Creditsafe reports at £2 to £3 a credit, and only on Chaser billing. Paidnice runs native checks from payment behaviour on every plan and Creditsafe on Custom.
Does Chaser offer invoice finance like Satago?
No, Chaser does not offer invoice finance. Satago offers single invoice finance and whole-ledger finance in the same app as its reminders. Chaser routes escalated debt to a partner collection agency and sells Chaser Care, a done-for-you chasing service, from £899 a month.
Which is better for a business on Sage 50?
Satago is the lower-cost choice on Sage 50, because it runs inside Sage 50 from £25 a month with unlimited users. Chaser also syncs Sage 50 UK, from £199 a month, and adds letters and calls. Paidnice does not connect to Sage 50.
Can Chaser or Satago charge statutory late payment interest?
Both can add a charge, under one set of rules each. Chaser calculates base-rate interest, fixed fees and percentages across the account or for selected debtors. Satago adds an optional late fee, within statutory limits, to its reminder emails. Paidnice runs a different policy per customer group and posts the charge to Xero or QuickBooks Online.
Do Chaser and Satago offer a free trial?
Yes, both offer a free trial. Chaser lists a 10-day trial with no card on its Xero App Store page, and Satago offers 14 days. Paidnice has no time-limited trial: sign-up is free and the first 20 actions are free, with no card.
What other credit control tools should I compare with Chaser and Satago?
Compare Paidnice for Xero and QuickBooks Online, Credit Hound for Sage 200, and Kolleno or Upflow for NetSuite finance teams. All of them are side by side, with prices and ledgers, in the full credit control software comparison.
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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