Chaser bands its price by your revenue, Kolleno charges per user above a $1m turnover floor, and Upflow bands by ARR. A floor price on its own tells you nothing about which of them you are able to buy. Here is the gate, the denominator and the real monthly minimum for four tools, with prices as at August 2026.
Chaser's £199 plan caps at £4m revenue, Kolleno's $650 is charged per user above $1m turnover, and Upflow bands by ARR. Paidnice prices by invoice volume with no turnover gate.
Credit control software automates invoice chasing, payment reminders and debtor management, and links to your accounting system so the business gets paid faster. The core feature set is automated reminders, escalation workflows, a customer portal, dispute tracking and credit risk. The four tools compared here are Chaser, Kolleno, Upflow and Paidnice, and all four connect to Xero and QuickBooks Online.
Three facts decide which of them you can buy: the ledger or ERP you run, your turnover or ARR, and whether the price is charged per company or per user. Chaser bands by company revenue, Kolleno gates by turnover and charges per seat with minimum seat counts, and Upflow bands by ARR. Paidnice prices by invoice volume.
The short answer
Credit control software automates reminders, runs escalation workflows, hosts a customer portal and tracks disputes. Credit checking and bank-file cash application are where the four tools diverge.
Every tool here syncs invoices from your ledger rather than issuing them, then runs a schedule of reminders against anything overdue. Above that sit the parts a buyer should shortlist on: whether the tool computes a late fee itself, whether it matches incoming bank payments, and whether it checks a customer's credit before you extend terms.
Those three capabilities split the field cleanly. Kolleno and Upflow read bank files. Chaser and Kolleno run credit checks. Paidnice computes late fees and statutory interest and posts them to the ledger, and does neither of the other two.
Credit control software and accounts receivable automation are the same category. UK vendors and UK buyers say credit control; US vendors say accounts receivable automation or order-to-cash. The shortlist is the same either way, and so are the gates.
Seventeen decision facts for Chaser, Kolleno, Upflow and Paidnice: price, denominator, turnover fit, ledgers, channels, features, ratings and how you start.
| Capability |  Chaser |  Kolleno |  Upflow |  Paidnice |
|---|---|---|---|---|
| Published price from | £199 a month | $650 per user a month | $440 a month, last published | $69 / £49 a month |
| Real monthly minimum | £199 | $650, or $2,490 on Business Plus | $440, last published | $69 / £49 |
| Priced by | Your revenue | Seats, plus a turnover gate | Your ARR | Invoice volume |
| Revenue or turnover fit | Up to £4m, £10m, then £200m | Above $1m to above $1bn | $0-10m, $10-50m, $50m+ ARR | $1m to $20m a year |
| Per-seat fee | Extra user £10 | Per seat | ⚠️ Not published | ✅ None |
| Ledgers and ERPs | Xero, QBO, Sage, NetSuite, SAP | NetSuite, SAP, Xero, QBO | NetSuite, Xero, QBO one-way | Xero, QBO; ERPs on Custom |
| Customer channels | Email, SMS, letters, calls | Email, SMS, calls | Email, SMS, letters | Email and SMS |
| Late fees and interest | One global rule | ⚠️ Not published | Via ERP only | Per customer group |
| Bank-file cash application | ❌ None | BAI2, NACHA, ISO 20022 | Auto-match and rules | ❌ None |
| Credit checks and risk | Checks and monitoring | Bureau integrations | Scoring only | ❌ None |
| Payment plans | Chases the invoice date | Weekly to bi-monthly | ❌ None | Deposits and instalments |
| Automatic statements | Monthly, fixed day | Portal only | ⚠️ Not published | Incl. parent and child |
| Dispute management | Flag and manage | Reason codes | Track and surface | Exclude by reference |
| Customer portal | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| How you try it | 10-day trial, demo to buy | No trial published | Free tier, sales-gated | First 20 actions free, no card |
| Rated | 4.98 from 374, Xero App Store | 4.9 from 99, G2 | 4.8 from 233, G2 | 5.0 from 82, Xero App Store |
| Choose it for | Letters and phone calls | Bank-file matching | AR analytics depth | Late fees on the ledger |
Yes The capability is documented and holds without a workaround.
Partial It works, with a constraint that matters: one global rule, an ERP dependency, or a fixed send day.
None The capability is absent from the vendor's documented feature list.
Not published The vendor documents nothing either way. It is unknown, not a no.
Prices, ratings and capabilities as at August 2026, taken from each vendor's own pricing, feature and help pages. Verify current pricing with each vendor before you budget.
Chaser sells to UK mid-market on a revenue tier, Kolleno to NetSuite and SAP enterprises, Upflow to venture-backed SaaS, and Paidnice to Xero and QuickBooks teams at $1m to $20m a year.
ChaserUK, founded 2014, sold through an accountant and bookkeeper partner channel alongside direct. Priced on your company revenue, so the buyer is defined by turnover rather than by ledger. The largest Xero App Store review count of the four, 4.98 from 374.
KollenoLondon, founded 2020, moved from SME credit control to enterprise order-to-cash. Built around a native NetSuite SuiteApp. Published accounts include Deel, Miro, 1Password, Rakuten and Deliverect.
UpflowFounded in Paris, headquartered in New York, Y Combinator W20. Aimed at recurring-revenue B2B, with Stripe Billing, Chargebee and Zuora connections. Published accounts include Vercel, Lattice, Productboard and Postman.
PaidniceAuckland, founded 2022, built first to raise late fees. Sold to finance teams on Xero and QuickBooks Online between $1m and $20m a year, with no per-seat fee and no turnover gate.
Chaser's £199 plan stops at £4m company revenue. Kolleno's entry plan starts above $1m turnover. Upflow bands by ARR from $0-10m. Paidnice sets no turnover gate.
This is the fact a floor price hides. Three of the four set an eligibility limit before price enters it, and each uses a different measure: company revenue, turnover, and annual recurring revenue. A business at £3m cannot buy Kolleno's entry plan. A business at £12m cannot stay on Chaser's £199 plan.
Chaser bands by company revenue. Compact at £199 covers up to £4m and includes four users, 30 templates, four schedules and one inbox. Core at £599 covers up to £10m. Complete at £899 is published as £200m in one place and £100m on the pricing page.
Kolleno gates by turnover and then charges per seat. BusinessPay needs above $1m and one user, Business Plus above $10m and two users, Enterprise above $100m and two users, Enterprise Plus above $1bn and four users.
Upflow bands by ARR. Grow covers $0-10m, Scale $10-50m and Strategic $50m and above. Discover is a free analytics tier rather than a starter plan.
Paidnice has no turnover gate. Plans step by invoice volume, from 150 invoices on Essentials to 4,000 on Pro 4,000, and Custom above that. Count the sales invoices you raised last month and read the plan off that number, not off your turnover. The fit is finance teams between $1m and $20m a year.
Kolleno charges per user, in US dollars, with minimum seat counts of one, two, two and four. Chaser and Paidnice charge per company. Upflow's published bands are per company by ARR.
Kolleno's figure is $650, not £650. BusinessPay is $650 per user a month, or $545 on an annual commitment, and Kolleno's pricing page shows that figure converted into your region's local currency. Get the number it quotes you in your own currency before you compare it to anything.
The denominator changes the arithmetic more than the headline does. Three credit controllers on BusinessPay is $1,950 a month. Business Plus requires two seats, so the real entry figure for auto-reconciliation is $2,490 a month, not $1,245.
Chaser includes four users on Compact and unlimited users from Core, and charges £10 for an extra user on Compact. Paidnice includes two team members on Essentials and unlimited users on Pro and Custom, with no per-seat fee anywhere.
Chaser runs £199 to £899. Kolleno runs $650 to $2,490 before the quoted tiers. Paidnice runs $69 to $799, with Custom from $999.
| Plan | Published price | Currency | Minimum users | Turnover or ARR gate | Real monthly minimum |
|---|---|---|---|---|---|
| Chaser Compact | 199 | GBP | 4 included | Up to £4m | £199 |
| Chaser Core | 599 | GBP | Unlimited | Up to £10m | £599 |
| Chaser Complete | 899 | GBP | Unlimited | Up to £200m, or £100m on the pricing page | £899 |
| Kolleno BusinessPay | 650 per user, 545 annual | USD | 1 | Above $1m | $650 |
| Kolleno Business Plus | 1,245 per user, 995 annual | USD | 2 | Above $10m | $2,490 |
| Upflow Discover | Free, analytics only | - | ⚠️ Not published | None stated | Free |
| Upflow Grow | 440, 400 annual | USD | ⚠️ Not published | $0-10m ARR | $440 |
| Upflow Scale | 880, 800 annual | USD | ⚠️ Not published | $10-50m ARR | $880 |
| Paidnice Essentials | 69 / 49, 150 invoices | USD / GBP | 2 included, no per-seat fee | ❌ None | $69 / £49 |
| Paidnice Pro 300 | 99 / 74 | USD / GBP | Unlimited | ❌ None | $99 / £74 |
| Paidnice Pro 600 | 179 / 129 | USD / GBP | Unlimited | ❌ None | $179 / £129 |
| Paidnice Pro 1,000 | 279 / 199 | USD / GBP | Unlimited | ❌ None | $279 / £199 |
| Paidnice Pro 2,000 | 489 / 349 | USD / GBP | Unlimited | ❌ None | $489 / £349 |
| Paidnice Pro 3,000 | 649 / 479 | USD / GBP | Unlimited | ❌ None | $649 / £479 |
| Paidnice Pro 4,000 | 799 / 599 | USD / GBP | Unlimited | ❌ None | $799 / £599 |
| Paidnice Custom, from | 999 / 749 | USD / GBP | Unlimited | ❌ None | $999 / £749 |
Prices as at August 2026. Kolleno Enterprise and Enterprise Plus, and Upflow Strategic, are quote-only and are left out above. Upflow's Grow and Scale figures were published by Upflow until the pricing page moved to contact-sales bands; treat them as the last published prices, not a current quote.
Read the currency before the number. Chaser publishes in pounds ex-VAT, with 10% off on annual terms. Kolleno publishes in US dollars per user. Paidnice hard-codes a local price in each currency and never converts, so £49 is the British price of Essentials, not a conversion of $69.
The cheapest of the four is Paidnice Essentials, at $69 / £49 a month for 150 invoices and two team members. Above it, Chaser Compact is £199 and Upflow Grow was last published at $440. We do not convert between the two, so compare each in the currency the vendor bills you in.
Count the metered extras. Chaser bills SMS at £0.05 to £0.07, credit checks at £2 to £3, AR forecasting at £9 a month and cash-flow forecasting at £20. Kolleno states extra charges may apply for integrations, customisations and add-ons. Paidnice bills SMS at $0.10 / £0.05 and multi-entity at $29 / £19 per entity.
Paidnice is cheaper because it does less. There is no credit bureau data, no bank-file matching and no debt collection arm, and those three are most of what the higher prices buy.
Paidnice insightPaidnice prices by invoice volume, not by seat and not by your turnover, so the bill moves when the workload moves. Running a group of companies costs $29 / £19 per extra entity. Priced fairly, with no contracts or lock-ins. For the multi-company setup, see credit control across multiple Xero companies.
Kolleno and Upflow run autonomous AI agents. Chaser and Kolleno reach the widest ERP estate. All four send email and SMS, and none documents WhatsApp to customers.
Automation against agentic AI. Chaser's AI drafts emails, recommends chase times and predicts late payment. Kolleno runs three tiers across all subscriptions, ending in an agent that collects and reconciles autonomously. Upflow detects promises to pay and dispute signals and runs an agentic cash application. Paidnice has an AI Credit Controller in beta, with human approval before anything sends.
Accounting integration. Chaser lists 25 or more systems, Sage, NetSuite, Dynamics 365 and SAP included. Kolleno runs a native NetSuite SuiteApp, with NetSuite and SAP on Enterprise. Upflow's QuickBooks connection is one-way and polled every five minutes. Paidnice is Xero and QuickBooks Online, with NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on Custom only.
Communication channels. Chaser adds letters and automated text-to-speech calls to email and SMS. Upflow auto-sends email, SMS and letters, with calls and tasks left as manual steps, and fires automatic actions once a day on business days. Kolleno includes SMS and call allowances on its Enterprise tiers. Paidnice sends email and SMS, and pushes team alerts to Slack, Teams, Discord, Telegram or WhatsApp over a webhook.
Sending mechanics differ underneath. Chaser sends from your own Gmail or Outlook mailbox. Upflow sends through its own infrastructure by default, and switching to your own SMTP turns off open and click tracking. Paidnice authenticates your domain once, then sends from any address on it. The stack detail is in credit control software for Xero.
Paidnice runs two charge types on the same customer group: an Invoice Late Fee per overdue invoice, and a Statement Interest Charge per customer against the whole overdue balance.
Policies sit under customer groups, so several run at once. One group can charge Bank of England base rate plus a percentage, another a flat fee, another nothing. Compounding is on by default, through the "Include previous interest charges" toggle, so simple interest is the deliberate choice rather than the other way round.
The base rate toggle applies the correct base rate for each period an invoice spans, which matters because the UK statutory rate is fixed in six-month blocks. The £40, £70 and £100 fixed compensation is applied as its own line item with its own description and income account. Our guide to UK late payment fees covers the entitlement.
Statement interest recalculates at the moment the statement is sent, so the figure the customer opens is accurate that morning rather than fixed at the last policy run. Adjust for Credit calculates on the net balance when the customer holds credit.
The fee posts as a real invoice in Xero or QuickBooks Online, Draft or Approved. Only a posted invoice enters the customer's AP system, their aged payables and their payment run. It is also the only version of the charge that is a receivable, carries a tax treatment and an income account, and can be netted against a credit note.
Neither ledger charges the interest for you. The request has sat on the Xero ideas board since 29 March 2012 with 1,102 votes and the status Accepted, and Xero's response of 7 July 2025, from Community Manager Kelly Munro, states there are no committed plans.
What you are entitled to charge is set out in how much you can charge for late fees. Where the charge belongs in a sequence is in our dunning process guide.
Each of the four has a gap that rules it out for a particular buyer. Paidnice cannot check a customer's credit and cannot read a bank file.
The limitation, Chaser. Late fees run under one global rule for the whole account. It cannot vary by schedule or customer group, applies no fee to payment-plan or partially paid invoices, and syncs line items to Xero only. Statements are monthly on a fixed day with recipients and senders you cannot change, and there is no bank-file matching. You cannot buy it without a demo.
The limitation, Kolleno. Per-user pricing with seat minimums and a $1m turnover floor prices a small business out before the feature list matters. No late fee or interest feature is published, and no trial is published either. The tutorial depth is NetSuite-first, so a Xero business is buying the shallow end of the product.
The limitation, Upflow. No payment plans: customers can pay a partial amount or log a promise to pay, and that is the whole mechanism. Late fees exist through your ERP only, with no native computation. Automatic actions fire once a day on business days at one org-level time, and the free Discover tier is analytics only and is not a trial.
The limitation, Paidnice. No credit checking and no credit bureau data at all, so a business that vets customers before extending terms should shortlist Chaser or Kolleno instead. No bank-file cash application either, so a team drowning in unapplied cash should buy Kolleno.
NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central sit on Custom only, from $999 / £749, which is the top of our ladder for an integration rivals include lower down.
Chaser publishes a 10-day trial and still requires a demo before you can buy. Kolleno publishes no trial. Upflow's free tier is sales-gated. Paidnice has no trial and a free action period.
Three of the four route you through a salesperson before you can run the software against your own overdue invoices. The fourth does not.
Chaser. A 10-day trial, then a demo before purchase. Payment plans are not available on the trial.
Kolleno. Quote-led. Onboarding is bundled into the plan: three hours on Business Plus, six hours of training on Enterprise.
Upflow. Discover is free, analytics only, with no collection automation, and Upflow's own wording is that it is not a trial. You speak to sales before you use it. The paid tiers are all contact-sales.
Paidnice. No free trial and no clock. Signing up is free, the first 20 actions are free, there is no time limit and no credit card, and no demo is needed to buy.
Kolleno for NetSuite and SAP reconciliation, Upflow for AR analytics on a SaaS billing stack, Chaser for letters and calls past £4m, Paidnice for enforcing terms on Xero or QuickBooks.
NetSuite or SAP, above $10mBuy Kolleno. Remittance parsing, BAI2, NACHA and ISO 20022 matching and NetSuite journal entries are the reason to buy it. Auto-reconciliation starts on Business Plus, which needs two seats, so budget $2,490 a month.
SaaS billing, managing by metricBuy Upflow. Countback DSO against Best Possible DSO, CEI, at-risk rate and billing-cohort forecasting, with Stripe Billing, Chargebee and Zuora connections. Every tier above Discover is contact-sales.
Past £4m, needs letters or callsBuy Chaser. Email, SMS, physical letters, automated calls and credit checks, banded by your turnover from £199 a month ex-VAT. SMS, letters, calls and credit checks are metered on top.
Xero or QuickBooks, terms ignoredBuy Paidnice. Late fees and statutory interest raised on the ledger, a different policy per customer group, from $69 / £49 a month. No turnover gate and no per-seat fee.
To try Paidnice on your own overdue invoices: connect Xero or QuickBooks Online and set one late fee policy on one customer group. Signing up is free, the first 20 actions are free, there is no time limit and no credit card, and no demo is needed to buy.
For the pairs on this list, we have the head-to-heads: Chaser against Kolleno on the real monthly cost of each, Chaser against Upflow on late fees and fit, and Kolleno against Upflow on turnover gates. For the wider field, read the best Chaser alternatives, the best Kolleno alternatives and the best Upflow alternatives.
Paidnice's own credit control software covers reminders, late fees and statutory interest on a Xero or QuickBooks ledger.
Paidnice insightPaidnice launched in 2022 with late fees as the product's first job, and it is accounts receivable automation that enforces your payment terms. Customers cut their average wait for payment in half, within 30 days. Mechanics on the late fees page.
Five questions buyers ask when they hold a shortlist, answered against each vendor's published pricing, feature pages and help documentation.
What are the tools of credit control?
Automated reminders on a schedule, escalation workflows, a customer payment portal, dispute tracking, statements, payment plans, credit checks and late fees or statutory interest. No single tool here carries all eight. Chaser and Kolleno run credit checks, Kolleno and Upflow match bank files, and Paidnice computes late fees and posts them to the ledger.
What is the most popular accounts receivable software?
Nobody publishes reliable market share, so review volume is the closest public proxy, and it is platform-specific. Chaser holds 4.98 from 374 reviews on the Xero App Store. Upflow holds 4.8 from 233 on G2, Kolleno 4.9 from 99 on G2, and Paidnice 5.0 from 82 on the Xero App Store. Scores from different platforms are not comparable.
What is the best debt collection software?
Debt collection is a separate category from credit control, and none of these four is a collections agency. Chaser routes escalated debt to a partner agency on a success fee. The other three stop at the point where you would instruct a collector. Choose credit control software to stop debt reaching that point, and a collections agency after it has.
How to manage accounts receivable effectively?
Set the payment terms, chase on a schedule rather than when someone remembers, escalate through named senders as the debt ages, and charge for lateness so the invoice costs something to ignore. Our dunning process guide sets out the sequence, and automatic customer statements in Xero covers the monthly balance step.
How to keep track of customer payments?
Your ledger holds the record, so the tracking question is really how quickly payments are applied against it. Kolleno reads bank files and parses remittance emails, Upflow auto-matches with rules and a bank-CSV upload, Chaser marks invoices paid in Xero and QuickBooks Online without bank-file matching, and Paidnice does no cash application. Aged balances are covered in 30, 60 and 90 day ageing on Xero statements.
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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