Kolleno pricing and alternatives in one place: Kolleno costs $650 per user a month on BusinessPay ($545 annual) and $1,245 on Business Plus ($995 annual). A three-person team pays $19,620 to $23,400 a year on the entry tier.
Key takeaways
Kolleno has four pricing plans, from $650 a user a month on BusinessPay to custom Enterprise pricing (Kolleno pricing page). Every figure below is in US dollars, as Kolleno bills it.
| Plan | Monthly, per user | Annual, per user | What is included | Capped or gated |
|---|---|---|---|---|
| BusinessPay | $650 | $545 a month | Customer portal, payment links, collections inbox, Xero or QuickBooks Online or Sage Intacct (one account), 100 SMS or calls, AI Insights and Copilot | Businesses above $1m turnover; one ERP account, one entity, one region; minimum one user |
| Business Plus | $1,245 | $995 a month | Everything in BusinessPay plus automatic reconciliation, workflows, reporting, AI Agent support, 200 SMS or calls, three hours of onboarding | Businesses above $10m turnover; minimum two users |
| Enterprise | Custom | Custom | Adds NetSuite, SAP, Oracle and Dynamics, multiple entities, unlimited regions, 400 SMS or calls, six hours of training, human agent support | Businesses above $100m turnover; minimum two users |
| Enterprise Plus | Custom | Custom | Adds custom ERP support, 600 SMS or calls, 24/7 support, dedicated customer success manager | Businesses above $1bn turnover; minimum four users |
The pricing page also states that extra charges can apply for integrations, customisations and add-ons, without listing them. Prices checked September 2026; confirm current pricing with the vendor.
Kolleno charges per user, so every finance team member who logs in to chase, reconcile or report adds $545 to $1,245 a month. Seven things set the final figure.
On Kolleno BusinessPay, three users cost $19,620 a year annual or $23,400 monthly; five users $32,700 or $39,000; ten users $65,400 or $78,000. Business Plus is roughly double at every size.
The arithmetic is users, multiplied by the per-user monthly rate, multiplied by 12. Annual contracts use the annual rate; monthly billing uses the monthly rate.
| Team | Plan and term | Monthly bill | Annual cost |
|---|---|---|---|
| 3 users | BusinessPay, annual | 3 x $545 = $1,635 | $19,620 |
| 3 users | BusinessPay, monthly | 3 x $650 = $1,950 | $23,400 |
| 3 users | Business Plus, annual | 3 x $995 = $2,985 | $35,820 |
| 3 users | Business Plus, monthly | 3 x $1,245 = $3,735 | $44,820 |
| 5 users | BusinessPay, annual | 5 x $545 = $2,725 | $32,700 |
| 5 users | BusinessPay, monthly | 5 x $650 = $3,250 | $39,000 |
| 5 users | Business Plus, annual | 5 x $995 = $4,975 | $59,700 |
| 5 users | Business Plus, monthly | 5 x $1,245 = $6,225 | $74,700 |
| 10 users | BusinessPay, annual | 10 x $545 = $5,450 | $65,400 |
| 10 users | BusinessPay, monthly | 10 x $650 = $6,500 | $78,000 |
| 10 users | Business Plus, annual | 10 x $995 = $9,950 | $119,400 |
| 10 users | Business Plus, monthly | 10 x $1,245 = $12,450 | $149,400 |
Enterprise pricing is not published, so a NetSuite or SAP business cannot compute its bill from this table. The pricing page does not state a minimum contract length, so the annual figures assume a full year at the annual rate.
Headcount is the number to watch. A three-person team that adds a fourth user for a part-time bookkeeper moves from $19,620 to $26,160 a year on the cheapest annual plan.
Kolleno is worth $650 a user for finance teams whose real problem is cash application at volume, on an ERP such as NetSuite. Reviewers rate it 4.9 on G2 from 99 reviews and 5.0 on the Xero App Store UK from 18. Teams that mainly send reminders and statements pay for reconciliation depth they will not use.
Kolleno's strength is reconciliation: remittance parsing from email, SFTP bank connections, BAI2, NACHA and ISO 20022 files, match scoring, partial and one-to-many matching, and multi-currency journal entries in NetSuite. The AI layer (Insights, Copilot and Agent) ships on every subscription.
| Fits | Overpays |
|---|---|
| Businesses above $10m with a high volume of payments to match against open invoices each month | A Xero or QuickBooks Online business with one or two people chasing invoices: the $1m floor and $6,540 a year per seat buy reconciliation depth a small ledger rarely needs |
| NetSuite, Sage Intacct or Dynamics shops that want AR, portal and reconciliation from one vendor | Any business that wants late fees or interest on overdue invoices: no late fee or interest feature appears on Kolleno's site or help centre |
| Teams that want an AI agent to run collections policy autonomously, with disputes and credit limits in the same system | Teams growing headcount: every new user is a full seat at the same rate |
Reviewers' recurring complaints are navigation, reporting depth and a basic mobile app (G2 and Capterra reviews).
Kolleno's $650 per user a month sits between quote-only enterprise suites and invoice-volume tools from $99 a month. The five options below run from the largest revenue fit to the smallest, each with its price, pricing unit and one honest limitation.
The full list of Kolleno alternatives ranks seven tools by feature; the five below are chosen by price point.
| Tool | Entry price | Pricing unit | Revenue fit | Late fees | Limitation |
|---|---|---|---|---|---|
| Kolleno | $650 per user a month ($545 annual) | Per user, turnover-gated | $1m+ (BusinessPay), $10m+ (Business Plus) | None found | Per-seat cost |
| Quadient AR | Quote only | Not published | Enterprise | None found | No invoice instalments in portal |
| Growfin | Not published | Not published | Enterprise | Not marketed | No Xero or QBO evidence |
| Upflow | Last published $440 (Grow), $880 (Scale); now quote-only | Annual invoiced revenue band | Mid-market and up | ERP only | Once-daily sends, weekdays |
| Chaser | £199 a month (about $259) | Revenue-tiered plans | About £4m+ UK | Yes, one global rule | Built for larger UK teams |
| Paidnice | $99 a month (£74) for 300 invoices | Invoice volume, unlimited users | $1m to $20m | Yes, on the ledger | ERPs need Custom |
For the wider market, credit control software pricing across the category sets out every published price side by side. Paidnice's own plans are on the pricing page.
Paidnice charges by the number of invoices you chase each month, from $99 (£74) for 300 invoices, with unlimited users on every Pro plan. A ten-person team pays the same as a two-person team on the same invoice volume, where Kolleno charges $545 to $650 for each extra seat.
The plans, in US dollars and pounds, billed in your own currency:
| Plan | Invoices a month | USD a month | GBP a month | Users |
|---|---|---|---|---|
| Essentials | 150 | $69 | £49 | Up to 2 |
| Pro 300 | 300 | $99 | £74 | Unlimited |
| Pro 1,000 | 1,000 | $279 | £199 | Unlimited |
| Pro 2,000 | 2,000 | $489 | £349 | Unlimited |
| Pro 4,000 | 4,000 | $799 | £599 | Unlimited |
| Custom, from | 4,000+ | $999 | £749 | Unlimited |
Set against the Kolleno table above: a five-person team chasing 1,000 invoices a month pays $3,348 a year on Paidnice Pro 1,000 (12 x $279), against $32,700 a year on Kolleno BusinessPay annual. The pricing unit explains the gap: Paidnice counts invoices and Kolleno counts people.
What a $1m to $20m business gets at that price:
SMS costs $0.10 (£0.05) a message on top, and each extra entity is $29 (£19) a month. Essentials is the two-user starting point at $69 (£49) for 150 invoices; growing teams move to Pro for unlimited users. Customers cut their average wait for payment in half, within 30 days.
💡 Paidnice insight
Kolleno's per-seat rate is priced for cash application at NetSuite depth. On Xero or QuickBooks Online, the job is reminders, statements and a fee that lands on the ledger, and Paidnice prices that job by invoice count, so adding a bookkeeper or a second credit controller costs nothing.
Kolleno's two published rates, $650 and $1,245 per user a month, answer most of the questions finance teams ask before a demo. The five below cover the rest.
$650 per user a month on BusinessPay, or $545 per user when paid annually. Business Plus is $1,245 per user a month, or $995 annual, with a two-user minimum, so the lowest Business Plus bill is $1,990 a month. Enterprise and Enterprise Plus are quoted (Kolleno pricing page).
Yes. Every published plan is a per-user monthly rate, with minimum user counts of one (BusinessPay), two (Business Plus and Enterprise) and four (Enterprise Plus). Ten users on BusinessPay cost ten times one user: $65,400 a year on an annual contract.
No. The pricing page lists no free tier, and it does not mention a free trial. The cheapest entry is one BusinessPay user at $545 a month on an annual contract, for a business above $1m turnover.
Those figures were cited from Kolleno feature pages rather than its pricing page, and they do not match the current list. The pricing page shows $650 and $1,245 a month per user, or $545 and $995 annual, in US dollars. Use the pricing page figure when you build a budget.
For a business between $1m and $20m on Xero or QuickBooks Online, Paidnice runs reminders, statements, payment plans and optional late fees from $99 a month (£74) for 300 invoices with unlimited users. Chaser, from £199 a month (about $259), is the established choice for larger UK teams that want credit checks.
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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