Summary
Chaser and Upflow are both accounts receivable automation platforms, but they serve different-sized businesses. Chaser suits UK companies past £4 million turnover with a credit controller; Upflow suits US-billing SaaS finance teams that manage by metric. Chaser computes late fees and Bank of England base-rate interest inside the tool; Upflow computes neither and leaves fees to your ERP.
- 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 UK companies past £4m turnover that want credit checks with the chasing, from £199 a month.
- Upflow: Best for US-billing SaaS finance teams that manage by metric; price on request, with Starter listed at $333 a month in its pricing page data.
Who are Chaser and Upflow built for?
Chaser and Upflow are both accounts receivable automation platforms, but they serve different-sized businesses: Chaser suits UK companies past £4 million turnover with a credit controller, and Upflow suits US-billing SaaS finance teams that manage by metric.
| Chaser | Upflow | |
|---|---|---|
| Target audience | UK companies past £4m turnover with a credit controller | US-billing B2B and SaaS finance teams that manage by metric |
| Core strength | Email and SMS chasing, credit checks, Bank of England interest | DSO and collection effectiveness reporting, cohort cash forecasting |
| Pricing model | Published, £199 to £899 a month on turnover bands | Not published; every tier is quoted by sales |
| Key integrations | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 | NetSuite, Sage Intacct, Xero, QuickBooks, Stripe Billing, Chargebee, Zuora |
Chaser is the legacy UK product, organised around chasing by email and SMS with credit checks alongside. Chaser also includes a built-in route to third-party debt collection if automated reminders do not work, a step neither Upflow nor Paidnice offers inside the tool. It sells UK-first and through accountants and bookkeepers, and its entry plan caps you at four users and one connected inbox.
Upflow is bought for its reporting: countback days sales outstanding against best possible DSO, collection effectiveness, at-risk balances over ninety days, and cash forecasting by billing cohort. Its own customer wall names B2B software companies such as Front, Lattice and Vercel. For a ten to fifty person business with no controller, neither is an obvious fit. Our Chaser alternatives guide and Upflow alternatives guide cover the tools that price below both.
Price is easier to compare than results, so start with the outcome. Xero Small Business Insights measures the wait both tools target.
| 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.
How much do Chaser and Upflow cost in 2026?
Chaser publishes £199, £599 and £899 a month. Upflow last published $440 a month on Grow and $880 on Scale; every current tier is quote only.
The two figures are not comparable: Chaser's are list prices from its own pricing page, and Upflow's come from TrustRadius and two other software directories.
- Chaser Compact, £199 a month
- Turnover to £4m. Four users, thirty templates, four schedules, one connected inbox. Excludes VAT.
- Chaser Core, £599 a month
- Turnover to £10m. Unlimited users, templates and schedules, multi-entity, call recording.
- Chaser Complete, £899 a month
- Top published tier. Cap unconfirmed: Chaser's own pages state both £100m and £200m.
- Upflow Starter, Grow, Scale, Accelerate and Entreprise
- Not published, and every tier on the pricing page routes through a Let's talk button. TrustRadius, SaaSworthy and GetApp recorded USD 440 and USD 880 a month for its earlier Grow and Scale tiers, never confirmed by Upflow, and the pricing page's structured data lists Starter at $333 and Grow at $833 a month. Upflow's $390 a month is the fee for its Payments add-on, not a platform subscription. Ask for a sterling quote.
- Paidnice Essentials $69, Pro to $799, Custom from $999 a month
- Banded on monthly invoice volume, not revenue. Essentials is $69, £49, for 150 invoices. Pro runs 300 to 4,000 invoices at $99 to $799, £74 to £599. Custom starts at $999, £749. Every figure is published, and there is no per-seat charge on any plan.
Chaser used to price by invoice count, at $49 a month for 50 invoices; that list is withdrawn, and its entry price on the current £199-a-month, turnover-banded structure is roughly four to five times higher for a comparable small business.
Do Chaser's and Upflow's size bands measure the same thing?
Chaser bands its tiers on company turnover and Upflow bands on annual gross invoice value, which is the total you invoice customers in a year.
For most B2B businesses the two figures are close, because most turnover is invoiced. They split when revenue arrives by card or cash at the point of sale and never becomes an invoice: that revenue counts toward Chaser's turnover band and not toward Upflow's invoice value band. Upflow's bands run up to $10m, $25m, $50m and $100m, then above $100m.
How do Chaser, Upflow and Paidnice compare feature by feature?
Chaser, Upflow and Paidnice differ on what each bands its price on, whether the tool computes late fees itself, how it handles UK statutory interest, and how often reminders can send.
| Capability | Chaser | Upflow | Paidnice |
|---|---|---|---|
| Best for | UK companies past £4m turnover that want credit checks with the chasing | US-billing SaaS finance teams that manage by metric | Xero and QuickBooks Online businesses that want payment terms enforced |
| Size fit | To £4m on entry; top tier £100m or £200m, unconfirmed | Five bands by gross invoice value, up to $10m on Starter to above $100m | Any size up to $50m a year, or 50,000 invoices a year |
| Price from | £199 (GBP, ex VAT) | Price on request; page data lists Starter $333, Grow $833 | $69 / £49 at 150 invoices, to $799 / £599 at 4,000 |
| Pricing basis | Company turnover band | Annual gross invoice value band | Monthly invoice volume |
| Ledger | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 | NetSuite, Sage Intacct, Xero, QuickBooks, Stripe Billing, Chargebee, Zuora | Xero, QuickBooks Online |
| Native late fees | ✅ Basic: four calculation types, one global rule for the whole account | ❌ No, ERP only | ✅ Yes, per customer group: invoice fee and statement interest, posted to the ledger |
| UK base-rate interest | ✅ Yes, base-rate calculation type, same global rule | ❌ No | ✅ Yes, auto-indexed to the base rate |
| Payment plans | Yes, per invoice | ❌ No; part payments and promises to pay | ✅ Yes |
| Send cadence | Scheduled steps; only the final overdue step repeats | Once daily, fixed org time, business days only | Per policy, per customer group |
| Try before you buy | 10-day trial, demo required before you can buy | ❌ No trial. FAQ mentions a free Discover plan, not a listed plan card; analytics only and sales-gated | Free sign-up, first 20 actions free, no time limit, no card |
| Credit checks | ✅ Metered per check | ❌ Light credit scoring only | ⚠️ Creditsafe on Custom only; escalation to a named controller, then a director, on every plan |
| Reporting depth | Customer insights and DSO; AR forecast is a £9 a month add-on | ✅ Deepest here: countback DSO against best possible DSO, collection effectiveness, cohort forecasting | Analytics and cohort forecasting; fewer metrics than Upflow |
| Rating |  4.98 (374), Xero App Store |  4.8 (233), G2 | 5.0 (83), Xero App Store |
"Not published" means the vendor prints no figure. Prices are published or last-verified from-prices; verify current pricing on each vendor's site. Ratings come from the named review platforms.
Can Chaser and Upflow charge late fees and statutory interest?
Chaser can charge late fees and Bank of England base-rate interest, but under one global rule for the whole account. Upflow computes no fees at all and points you at your ERP.
The Late Payment of Commercial Debts position allows base rate plus eight per cent on a commercial debt, plus fixed compensation. A tool that does not compute the charge leaves the calculation to you or to your ERP.
Chaser can, but only in a basic form. Four calculation types run under one global rule for the whole account. The rule cannot vary by customer group or by schedule, so a key account on negotiated terms is charged exactly like a repeat late payer. It skips partly paid invoices and invoices on a payment plan, and line-item sync back to the ledger is Xero only.
Upflow cannot. Its own guidance points at applying late payment fees in NetSuite, so the computation, the posting and the tax treatment all happen outside Upflow. Where those escalation steps belong is covered in our guide to the dunning process.
Paidnice runs a different rule per customer group. An invoice late fee charges per overdue invoice, and a statement interest charge runs on the whole overdue balance. Both run on the same group, and different groups run different policies at once.
The Bank of England toggle auto-indexes to the base rate in force for each six-month period an invoice spans. The £40, £70 or £100 fixed compensation goes on as its own line item, and every charge posts to Xero or QuickBooks Online as a draft or approved invoice.
💡 Paidnice insight
A late fee creates leverage only once it is a posted invoice on the ledger. That is the point at which it enters your customer's payables system, their aged creditors report and their next payment run. A fee computed inside a chasing tool but never posted stays outside that system.
How do Chaser and Upflow send reminders, and on which ledgers?
Upflow's automatic actions fire once a day, at a fixed organisation-level time, on business days only. Chaser sends from your own Gmail or Outlook mailbox on every plan.
If your credit control runs on a tighter cadence than one action a day, Upflow's send window is a hard constraint. Chaser's mailbox connection makes reminders read as a person, with the trade-off that it inherits that mailbox's sending limits and its bounce reputation.
Upflow defaults to its own sending infrastructure. A custom subdomain or your own SMTP server is supported, and own SMTP switches off open and click tracking, so choosing your own server costs you the send-level reporting.
Paidnice authenticates the domain instead of the mailbox. On the Pro plan you publish DNS records once for your top-level domain, then any address on it sends: accounts@ on the due date, a named controller at 7 to 14 days, a director at 21 days. No mailbox is connected, so no mailbox send cap is inherited.
QuickBooks Online decides this for some buyers. Upflow's QuickBooks integration is one-way and polled every five minutes with no webhooks, payments land in Undeposited Funds needing manual reconciliation, and custom fields cap at three text-only. On Xero both tools are solid; our guide to credit control software for Xero sets out what a native two-way sync should look like.
Where do Chaser, Upflow and Paidnice fall short?
Chaser's ceiling is its single global fee rule, Upflow's is its missing fee engine, and Paidnice's is its two-ledger limit on standard plans.
Chaser: the limitation. Chasing is email and SMS only. One global late-fee rule that cannot vary by customer group, no fees on partly paid or payment-plan invoices, statements monthly only on a fixed day, and a £199 entry price that rose roughly four to five times in the last repricing. SMS and credit checks are metered on top. The trial runs ten days and a demo is required before you can buy.
Upflow: the limitation. No native late fee or interest computation, no payment plans, once-daily weekday-only sends, an own-SMTP option that disables tracking, a one-way polled QuickBooks integration, and prices that appear nowhere on its pricing page. Upflow's pricing FAQ mentions a free Discover plan, but it is not among the plan cards: it is a sales asset, not a usable free product, analytics only, not a trial, and you talk to sales before you can use it.
Paidnice: the limitation. Xero and QuickBooks Online only on standard plans, so NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central need the Custom plan. Paidnice does have cohort forecasting, but it does not do bank-file cash application, credit bureau checks are Creditsafe on Custom only, and Upflow reports on more metrics, countback DSO against best possible DSO and collection effectiveness among them.
How does Paidnice charge statutory interest per customer group?
Paidnice runs two charge types on the same customer group: an invoice late fee per overdue invoice, and a statement interest charge on the whole overdue balance.
Paidnice is accounts receivable automation that enforces your payment terms, built for Xero and QuickBooks Online. It is credit control and debtor management for finance teams doing up to $50m a year that need a robust accounts receivable system, priced fairly, with no contracts or lock-ins.
It is priced on monthly invoice volume rather than revenue, which removes the turnover-versus-invoice-value question. Essentials is $69 a month, £49 in sterling, hard-coded rather than converted, for 150 invoices and two team members. Pro adds unlimited users, and there is no per-seat charge on any plan. Multiple fee policies run at once under different customer groups.
Compounding is on by default: a new policy includes previous interest charges unless you switch that off. If the customer holds credit on the account, the charge is calculated on the net balance. Statement interest recalculates when the statement sends, so the figure your customer opens is accurate that morning.
Paidnice won New Zealand Small Business App of the Year at the Xero Global App Awards 2026, and Global Small Business App of the Year in 2025. It is rated 5.0 from 83 Xero App Store reviews. There is no time-limited free trial: signing up is free, the first twenty actions are free with no time limit, and no card is needed.
Should you choose Chaser, Upflow or an alternative to both?
Choose Chaser if you are a UK company past £4 million that needs credit checks, and Upflow if you are a SaaS finance team whose problem is measurement. If neither fits, pick a tool priced on invoice volume.
- Need credit checks in the same tool as the chasing? Chaser. Nothing else here covers that.
- Is the problem measurement rather than getting paid on terms? Upflow. Its pricing FAQ mentions a free Discover plan, but it is not among the plan cards; it is a sales asset, so you speak to sales before you can use it.
- Need fees and statutory interest charged automatically, per customer group, on Xero or QuickBooks Online? Paidnice, from $69 a month, £49, with no revenue cap and no contracts or lock-ins.
Weighing more than these two? Our roundup of accounts receivable software covers the wider field, and the comparisons of Chaser against Kolleno and Kolleno against Upflow take the other two sides of the same shortlist.
What else do buyers ask about Chaser vs Upflow?
Chaser publishes prices in GBP and carries the larger review count, Upflow publishes no price, and neither tool chases payment plans on their instalment dates.
Chaser vs Upflow cost
Chaser publishes £199, £599 and £899 a month, excluding VAT, banded on company turnover. Upflow publishes no price on any paid tier; TrustRadius and other directory captures recorded USD 440 and USD 880 a month, never confirmed by Upflow. Every tier routes through sales, the free one included. A sterling comparison needs a quote, because the two vendors publish different currencies against different denominators.
Chaser vs Upflow reviews
Chaser is rated 4.98 from 374 reviews on the Xero App Store, 4.5 from 68 on G2 and 4.9 from 45 on Capterra. Upflow is rated 4.8 from 233 on G2 and 4.5 from 15 on Capterra. Chaser reviewers most often raise add-on costs and reporting customisation; Upflow reviewers raise reporting rigidity and workflow gaps.
Does Upflow support payment plans or instalments?
No. Upflow offers customer-initiated partial payments and promises to pay, not scheduled instalments. Chaser does have per-invoice payment plans, but its chasing follows the invoice due date rather than the instalment dates, so Chaser's own documentation advises chasing plan customers manually.
Can either tool apply the UK statutory rate of Bank of England base plus 8 per cent?
Chaser can, but only as one global rule across the whole account, through its Bank of England base-rate calculation type. Upflow cannot: it has no native fee computation and points you at your ERP. Paidnice can, with a base-rate toggle that uses the correct rate for each period an invoice spans, set per customer group.
Is there an option that is not priced on company revenue?
Yes. Paidnice prices on monthly invoice volume rather than turnover or gross invoice value, from $69 a month, £49, for 150 invoices with no per-seat fee and no revenue cap. That removes the question of which denominator a vendor reads off your accounts.
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