Pick Chaser if you are a UK business past £4 million turnover that needs late fees and Bank of England base-rate interest inside the tool. Pick Upflow if you are a US-billing SaaS company that manages by metric and applies fees in its ERP.
Chaser and Upflow are both accounts receivable automation platforms that sit on top of Xero, QuickBooks Online or a larger ERP and chase overdue invoices for you. Chaser is UK-founded and one of the oldest names in the category; it publishes its prices in GBP and bands them on company revenue, or turnover. Upflow is US-headquartered, publishes no prices at all, and bands its tiers on annual recurring revenue in USD.
Turnover and annual recurring revenue are different measures, so the two bands do not line up. The wider split is what each tool can charge. Chaser computes late fees and Bank of England base-rate interest inside the product, under one global rule. Upflow computes none, leaving statutory interest to your ERP. For a UK business chasing under the Late Payment of Commercial Debts rules, that is the deciding difference.
Chaser is a legacy product built for UK companies past £4 million with a credit controller in the seat. Upflow is built for US-billing subscription businesses with a finance team and a dashboard habit.
Chaser is organised around chasing by email and SMS, with credit checks alongside. The entry plan is shaped for a team with one named controller.
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. The dashboards are the reason to buy it. 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.
Read both customer walls before you book either demo. Upflow's own site names B2B software companies, Front, Lattice, Productboard, Vercel and Postman among them, and claims more than 500 customers in 30-plus countries. Chaser sells UK-first and through accountants and bookkeepers, and its entry plan caps you at four users and one connected inbox. Both walls read from the vendors' own sites, July and August 2026.
Chaser publishes £199, £599 and £899 a month. Upflow pricing starts at $440 a month on Grow and $880 on Scale, neither figure shown on its own pricing page.
The two figures are not comparable. Chaser's prices were read from its pricing page in July 2026; the USD 440 was read from TrustRadius and two other software directories in the same month.
Chaser moved from invoice-count tiers to revenue tiers in a repricing dated to 2024 or 2025, and the entry price rose roughly four to five times. Pages still quoting Chaser's old dollar invoice tiers are quoting a list Chaser withdrew.
Chaser bands on company turnover. Upflow bands on annual recurring revenue. A business can sit in Chaser's entry tier and Upflow's second tier at the same time.
A services business turning over £9m with no subscriptions reads as £9m to Chaser and near zero to Upflow. A SaaS company on £9m of ARR reads as £9m to both. The caps agree only when recurring revenue is most of your turnover, which holds for subscription businesses and for few others.
The axes that decide this: what each vendor bands on, whether the tool computes late fees itself, what happens to UK statutory interest, and how often reminders can send.
| Capability | Chaser | Upflow | Paidnice |
|---|---|---|---|
| Revenue fit | To £4m on entry; top tier £100m or £200m, unconfirmed | USD 0 to 10m ARR on Grow, to 50m+ on Strategic | No revenue cap; typical fit $1m to $20m a year |
| From (monthly) | £199 (GBP, ex VAT) | USD 440 Grow, USD 880 Scale (not on the pricing page) | $69 / £49 at 150 invoices, to $799 / £599 at 4,000 |
| Pricing basis | Company turnover band | Annual recurring revenue band | Monthly invoice volume |
| Ledgers | 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. Discover is 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 | ❌ No credit bureau scoring; escalation to a named controller, then a director, instead |
| 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 (82), Xero App Store |
"Not published" means the vendor prints no figure. Prices are published or last-verified from-prices as at July 2026; verify current pricing on each vendor's site. Chaser and Upflow ratings were read from the named platforms in July 2026; the Paidnice count was verified in August 2026.
Chaser's late fees are basic: four calculation types, but 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.
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.
Every tool here has a real ceiling: Chaser's single global fee rule, Upflow's missing fee engine, and Paidnice's two-ledger limit.
Chaser: the honest 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 honest 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. The free Discover tier 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 honest 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 or credit bureau scoring, and Upflow reports on more metrics, countback DSO against best possible DSO and collection effectiveness among them.
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 between $1m and $20m 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-ARR 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's own scale figure: $1 billion collected on time across more than 1 million invoices since 2022.
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 82 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.
Chaser for credit checks, Upflow for measurement. If neither fits, the alternative to both is a tool priced on invoice volume, not revenue.
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.
The axis that decides this is whether the tool computes the late fee, or your ERP does.
Chaser publishes prices in GBP and carries the larger review count. Upflow publishes no price. 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, as at July 2026. 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. Counts checked July 2026.
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 annual recurring revenue, 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.
Paidnice is accounts receivable automation that enforces your payment terms, trusted by thousands of businesses on Xero and QuickBooks. Credit control and debtor management, run for you.
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