Best credit control software for accountants

For the category as a whole, see Paidnice credit control software. For the Xero-only tools, see credit control software for Xero. The Paidnice page for practices is credit control software for accountants and bookkeepers.

What is the best credit control software for accountants?

The best credit control software for accountants depends on two things: whether the practice is chasing its own fees or running credit control for clients, and which ledger those invoices sit on.

• Xero or QuickBooks Online. Paidnice runs reminders, statements, late charges and payment plans on the practice's own fees and on each client's ledger, from £49 a month plus £19 for each extra client entity.
• Larger firms. Chaser, founded in 2014, is priced on annual revenue from $259 a month and adds Creditsafe credit checks.
• Credit checks and finance. Satago suits UK practices that want credit reports and invoice finance beside the chasing, from £50 a month on the Small Practice plan (Satago's published GBP price).
• Sage. Credit Hound suits practices with clients on Sage 50 or Sage 200, priced per user from $25 a month, and chases without raising late charges.
• Phone work. CreditorWatch Collect bundles a human calling team for practices in Australia and New Zealand.

For the category as a whole, see Paidnice credit control software. For the Xero-only tools, see credit control software for Xero.

What does an accounting practice need from credit control software?

An accounting practice needs four things from credit control software: reminders on a schedule from its own address, monthly statements for retainer clients, late charges under the engagement letter, and payment plans that split a fee into instalments.

Xero holds one reminder schedule per organisation, and QuickBooks Online runs one automatic reminder schedule, so different rules per client or per fee type need a tool on top.

An engagement letter states payment terms and usually an interest clause, so the invoices, statements, reminders and charges that follow it should run on their own. An Ignition study found that 94% of accountants and bookkeepers chase clients for late payments (Ignition).

Credit control starts at the due date. Xero Small Business Insights measures how many invoices pass it.

Retainer clients belong on direct debit, which takes them out of the chasing queue, so reminders and charges cover one-off fees.

Reminders

Paidnice sends a practice's reminders from accounts@ rather than the partner, by email and SMS, on the days the engagement letter sets, with UK SMS at 5p a message.

In Paidnice, a contact group decides which reminder schedule a client is on, so one-off fee clients get the full schedule and retainer clients get none.

A partner often softens or skips a reminder to a client they advise. Sending from accounts@ on a fixed schedule takes that decision out of the partner's hands.

In Paidnice, when a client gives an expected payment date, chasing on that fee pauses until the date, then resumes if the fee is still unpaid.

Statements

Paidnice sends retainer and direct-debit clients a statement instead of reminders, weekly or monthly on the days the practice chooses, showing every fee, every payment and the aged debtors balance.

A missed collection then surfaces on the statement rather than in a phone call three months later. In Paidnice, a parent customer's statement consolidates the invoices of its child entities on Xero and QuickBooks Online.

Xero cannot email statements on a schedule: the request on its ideas board has 1,172 votes and sits at "In discovery".

Late charges

A late charge enforces the interest clause in the engagement letter. In the UK the statutory route gives base rate plus 8% and a fixed sum per invoice under the Late Payment of Commercial Debts (Interest) Act 1998 rate order.

The Bank of England base rate of 3.75% sets a statutory rate of 11.75% for the half-year from 1 July 2026.

A £3,500 fee 45 days late carries £120.70: £50.70 of interest at 11.75% plus the £70 fixed sum.

Xero has no native interest on late invoices: the request on its ideas board, posted on 29 March 2012, has 1,114 votes and no committed plans.

Paidnice raises the late charge on the Xero or QuickBooks Online ledger as a Draft or Approved invoice after a grace period, and a partner can waive or credit it. In Australia, New Zealand and the United States the clause in the engagement letter sets the rate.

Payment plans

Paidnice payment plans, on the Pro plan, split an annual or one-off fee into weekly, fortnightly, monthly or quarterly instalments, with a card or bank account charged on each date through Stripe.

Paidnice moves the invoice due date to each instalment in turn, so a missed instalment makes the fee overdue again and the client's normal reminders and late charges apply. Plans run on Xero and QuickBooks Online.

Which credit control apps cover the four things a practice needs?

Paidnice and Chaser are the two credit control apps here that cover all four things a practice needs: reminders, statements, late charges and payment plans. Credit Hound, Kolleno and ezyCollect chase without late charges, Statey sends statements only, and Satago publishes the least.

Software	Best for	Size fit	Ledger	Reminders	Statements	Late charges	Payment plans	Price from
Paidnice	Fees, statements, reminders and plans per client from one login	Any size up to $50m a year, or 50,000 invoices a year	Xero, QuickBooks Online	Email, SMS, per group	Monthly, consolidated	Per group, invoice fee and statement interest, on the ledger	Instalments with auto-charge through Stripe (Pro plan)	£49 a month
Chaser	Creditsafe credit checks beside the chasing	Up to £4m, £10m, £200m	Xero, QuickBooks Online, Sage, NetSuite	Email, SMS, letters	Monthly, fixed day	One global rule	Per-invoice instalments; chasing follows the invoice date	$259 a month
Satago	Credit reports and invoice finance with chasing	UK practices, 10 to 200 customers on the entry plan	Xero, Sage, QuickBooks Online	Email	Sage 50 bundle only	Not published	Not published	£50 a month, Small Practice plan (published in GBP)
Credit Hound	Clients on Sage	Per user, no revenue gate	Sage 50, Sage 200, Sage Intacct, Xero	Email, disputes, promises to pay	No evidence found	No evidence found	No evidence found	$25 a user a month
Kolleno	Cash application for larger clients	Businesses above $1m turnover, per user	Xero, QuickBooks Online, NetSuite, Intacct	Email, SMS, calls, AI agent	Portal	None	Auto-charge instalments	$650 per user a month
ezyCollect	Clients on MYOB or an ERP	AU and NZ mid-market, annual contract	Xero, MYOB, QuickBooks Online, NetSuite	Email, SMS, mail, calls	Monthly	None	Instalments, enabled by support	A$275 a month plus setup (published in AUD)
CreditorWatch Collect	A calling team behind the software	AU and NZ practices and their clients	Xero, MYOB, QuickBooks Online	Email, SMS, calls, outsourced AR team	Statement reminders	None	Recurring payments via portal	Quote
Statey	Scheduled Xero statements and nothing else	Per Xero organisation	Xero	None	Weekly or monthly, age analysis	None	None	$10 a month per organisation
Xero or QuickBooks Online built-in	One schedule for every client	Included with the ledger	Xero, QuickBooks Online	Email, one schedule	No automatic schedule in Xero	None in Xero; QuickBooks Online in the US only	None	Included

Prices from each vendor's own pricing page; verify before you buy. US dollars where the vendor publishes them; Paidnice prices in pounds.

Who is Paidnice best for?

Paidnice is credit control software for accounting practices on Xero and QuickBooks Online: reminders, statements, late fees and payment plans per client, run from one login, from £49 a month plus £19 for each extra client entity.

• Fits: Paidnice fits practices and clients of any size up to $50m a year, or 50,000 invoices a year, on Xero or QuickBooks Online, priced by invoice volume, not revenue
• Entry cost: Paidnice costs £49 ($69) a month for 150 invoices, Pro from £74 ($99). No per-seat fees, unlimited users on Pro, and accounting partners get a partner discount
• Rated: Paidnice is rated 5/5 from 83 Xero App Store reviews; 4.9/5 on Capterra
• Awards: Paidnice won 2025 Xero Global Small Business App of the Year 🏆; New Zealand Small Business App of the Year 2026
• Statutory late fees: Paidnice raises flat, percentage or compounding fees, set per customer group, with the UK rate auto-indexed to the Bank of England base rate
• The one thing it does best: Paidnice runs the whole receivables process in one product: own-domain reminders, scheduled statements, fees, payment plans, a portal and escalation, with one login across every client organisation

The limitation. Paidnice runs credit checks through Creditsafe on the Custom plan only. On Essentials and Pro there is no bureau data, no risk score and no monitoring feed.

Paidnice's native support is Xero and QuickBooks Online only; MYOB, Sage and NetSuite are a Custom-plan conversation, so a practice with clients on MYOB or Sage should look further down this list.

Who is Chaser best for?

Chaser is credit control software with Creditsafe credit checks, best for larger practices and their larger clients, from $259 a month on plans priced by annual revenue.

Chaser was founded in 2014 and has an accountant partner channel and a white-label option. Its larger plans are aimed at firms at £4m and more.

• Fits: Chaser fits businesses up to £4m turnover on the entry plan, £10m and £200m on the plans above, priced on company revenue rather than invoice volume, with a demo before you can buy
• Entry cost: Chaser costs $259 a month for Compact, about $779 and $1,169 for the plans above
• Rated: Chaser is rated 4.98/5 from 374 Xero App Store reviews
• Runs on: Chaser runs on Xero, QuickBooks Online, Sage 50, 200 and Intacct, NetSuite, Dynamics 365, SAP
• Statutory late fees: Chaser offers four calculation types including a UK base rate option, in one global rule; no fees on payment-plan or partially-paid invoices
• The one thing it does best: Chaser does one thing best: credit checking and monitoring through Creditsafe, sold as metered credits beside chasing by email, SMS, posted letters and automated calls

The limitation. Chaser's late fee rule is global, so a practice cannot set one interest policy for its own fees and another for a client. Chaser statements go monthly on a fixed day, and its payment plan chasing follows the invoice due date rather than the instalment dates.

Who is Satago best for?

Satago is UK credit control and invoice finance in one subscription, best for UK practices that want credit reports and invoice finance with the chasing, from £50 a month on the Small Practice plan (Satago's published GBP price).

• Fits: Satago fits UK practices, gated by customer count rather than revenue: 10 to 200 customers and 3 users on Small Practice
• Entry cost: Satago charges £50 a month on Small Practice, £80 on Mid-size Practice and £200 on Enterprise Practice. Its single-business plans are Basic £45 standalone, or Standard £25 inside Sage 50. All published in GBP
• Rated: Satago is rated 4.93/5 from 92 Xero App Store reviews in the UK
• Runs on: Satago runs on Xero, Sage, Sage 50, QuickBooks Online, KashFlow, FreeAgent
• Statutory late fees: Satago's late fee handling is not verifiable from public materials
• The one thing it does best: Satago pairs credit reports and suggested limits alongside chasing, plus finance against single invoices when a client's cash is tight

The limitation. Roughly half of Satago's product serves the lending side, so a practice that only wants chasing pays for finance its clients may never use. Satago does not publish late charges or payment plans.

Credit Hound is Draycir's collections add-on for the Sage channel, best for practices whose clients run Sage 50 or Sage 200, priced per user from $25 a month.

• Fits: Credit Hound is priced per user with no revenue gate, sold through about 500 Sage resellers
• Entry cost: Credit Hound costs $25 to $454 a month for the first user, depending on the ledger, with a free trial and no card
• Rated: Credit Hound is rated 5.0 from 11 reviews on the Sage UK Marketplace; no Xero App Store listing found
• Runs on: Credit Hound runs on Sage Accounting, Sage 50, Sage 200, Sage Intacct and Xero; no QuickBooks Online connector found
• Statutory late fees: Credit Hound shows no late fee feature in vendor documentation
• The one thing it does best: Credit Hound does structured dispute management and promise-to-pay tracking with a promised cash view

The limitation. Credit Hound chases and does not charge: no late fee, interest or payment plan appears in vendor documentation, and the PayThem payment module is priced separately.

Who is Kolleno best for?

Kolleno is an AI order-to-cash platform, best for a practice's larger clients that need cash application and reconciliation beside the chasing, from $650 per user a month.

• Fits: Kolleno fits businesses above $1m turnover, priced per user
• Entry cost: Kolleno costs $650 per user a month, $545 on annual billing, rising to $1,245 per user
• Rated: Kolleno is rated 4.9/5 from 99 G2 reviews; 5/5 from 18 on the Xero App Store
• Statutory late fees: Kolleno shows no late fee feature in vendor documentation
• The one thing it does best: Kolleno does cash application best: bank file formats, remittance parsing and multi-currency reconciliation, with AI drafts and an autonomous collections agent on every tier

The limitation. Kolleno's per-user pricing punishes the setup a practice wants, which is several named senders escalating an invoice as it ages across many client ledgers.

Who is ezyCollect best for?

ezyCollect is AU and NZ receivables automation, now part of Sidetrade, best for accountants whose wholesale and distribution clients run MYOB or an ERP, from A$275 a month on ezyStart plus a A$900 setup fee.

• Fits: ezyCollect fits Australian and New Zealand wholesalers, distributors and their accountants, on an annual contract
• Entry cost: ezyCollect costs A$275 a month plus a setup fee, billed annually; monthly billing costs 20 per cent more
• Rated: ezyCollect is rated 4.9/5 from 35 Xero App Store reviews in Australia; 4.7/5 from 25 on G2
• Runs on: ezyCollect runs on Xero, QuickBooks Online, MYOB, NetSuite, Dynamics, Sage and other ERPs
• Statutory late fees: ezyCollect shows no late fee feature in vendor documentation, only card surcharging
• The one thing it does best: ezyCollect combines debtor risk scoring, monthly statements and pay-now links with direct debit auto-collect

The limitation. ezyCollect's annual commitment plus a setup fee is a real barrier for a practice that wants to trial the tool on one client first.

Who is CreditorWatch Collect best for?

CreditorWatch Collect is receivables automation plus an outsourced calling team, best for AU and NZ practices whose clients want the phoning done for them, with a partner programme for bookkeepers and accountants. Price on request.

• Fits: CreditorWatch Collect fits Australian and New Zealand practices, with a partner programme for bookkeepers and accountants
• Entry cost: CreditorWatch Collect publishes no tiers; a free trial covers up to 50 debtors, then an account manager quotes
• Rated: CreditorWatch Collect is rated 4.9/5 from 91 Xero App Store reviews
• Runs on: CreditorWatch Collect runs on Xero on a 24-hour sync, MYOB, QuickBooks Online, plus Zapier
• Statutory late fees: CreditorWatch Collect has none; nothing on its features page, help centre or FAQ
• The one thing it does best: CreditorWatch Collect adds the human layer: an outsourced AR Specialists team that calls debtors, and one-click escalation to debt collection

The limitation. CreditorWatch Collect has no late fees or interest, and its Xero sync runs once a day. CreditorWatch Collect pricing is quote only, so a practice cannot cost a rollout across clients from its website.

For monthly prices across the category see credit control software pricing, and for team features see credit control software for a finance team.

Which credit control software suits which practice?

The right credit control software for a practice follows three questions: whose invoices it chases, which ledger they sit on, and the annual revenue of the business being chased.

• Own fees only. A practice chasing its own fees needs reminders per client group, statements for retainer clients and late charges.
• Clients' ledgers. Running credit control for clients needs one login across client organisations, sending from each client's domain, and pricing that holds across many small ledgers.
• Ledger. Xero or QuickBooks Online: Paidnice, Chaser, Kolleno. Sage: Credit Hound, Satago, Chaser. MYOB or an ERP: ezyCollect, CreditorWatch Collect.
• Outsourced. Clients who want people on the phone can add an outsourced credit control service on top of the software.

What should a practice check before buying credit control software?

A practice should check six things before buying credit control software: multi-client access, the sending address, payment links, late-fee rules per client, the audit trail and the pricing basis.

• Multi-client access. One login should switch between client organisations. Per-user pricing, such as Kolleno at $650 a user, multiplies with every named sender.
• Sending address. Reminders should leave from the practice's or the client's own domain. Paidnice verifies a domain once on the Pro plan; Satago needs a higher plan for your own inbox.
• Payment links. Every reminder and statement should carry a pay-now link for card and bank debit.
• Late-fee rules per client. Chaser runs one global late-fee rule; Paidnice sets fees per customer group, so the practice's own terms and each client's terms can differ.
• Audit trail. Every email, its sender and any waived fee should be on record. Paidnice shows the send history and puts an approval step on every action.
• Pricing basis. Check whether the price is per client entity, per user or per revenue band, then multiply by the client count.
• Price history. Ask when the vendor last raised prices. Chaser's entry price rose from $49 to $259 a month when it moved from invoice-based to revenue-based plans.

Paidnice rollout arithmetic: Essentials is £49 a month and each additional entity is £19 a month on top, so twenty client entities cost £49 plus 19 at £19, or £410 a month, before the partner discount.

How does Paidnice run credit control for clients from the practice?

Paidnice connects each client's Xero or QuickBooks Online ledger as its own entity, and the practice team runs all of them from one login with no per-seat fee.

Each client's Xero organisation or QuickBooks Online company connects separately, and Paidnice picks up the invoices already open at connection.

• Sent from the client. On the Paidnice Pro plan the client's domain is verified once, then any address on it can send: [email protected] on the due date, the client's owner at 21 days. The practice's staff appear nowhere in the email.
• One login, every client. The practice team switches between client organisations from one Paidnice login. Essentials includes 2 users and Pro includes unlimited users, and every action has an approval step.
• Priced per entity. Paidnice Essentials at £49 a month covers 150 invoices and 600 emails, Pro starts at £74, and each additional client entity is £19 a month. Plans are month to month, and sign-up is free with no credit card.

The Paidnice partner programme gives practices a discount on subscriptions, quarterly commissions, a place in the partner directory and priority support.

What do accounting practices ask about credit control software?

Accounting practices most often ask what credit control means, whether interest can be charged on fees, whether each client needs a subscription, and when to outsource.

Written by

Denym Bird

Co-founder & CEO of Paidnice

Denym is a software entrepreneur and writes about accounts receivables management for small business.

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