Summary
Satago alternatives split by job: Satago bundles invoice chasing, credit risk checks and invoice finance in one UK product, from £45 a month (about $59) standalone or £25 inside Sage 50. No single alternative covers all three jobs, so pick by the job you need replaced. Paidnice, Credit Hound, Chaser, Kolleno and Upflow each cover one or two.
- Paidnice: Best for the chasing job on Xero or QuickBooks Online with UK statutory late fees and interest on top, from $69 a month (£49), a job Satago's pricing pages do not list.
- Credit Hound: Best for Sage 50 sites with a dedicated credit controller, from £20 a user a month; no credit reports and no invoice finance.
- Chaser: Best for UK teams past £4m that want Creditsafe credit checks with chasing, from £199 a month (about $259).
- Triver and Kriya: Best for the invoice finance job on its own: both are UK lenders that advance cash against unpaid invoices and price per advance, not per month.
The best Satago alternatives by job
Satago bundles invoice chasing, credit risk checks and invoice finance in one UK product, from £45 a month (about $59) standalone or £25 inside Sage 50. No single alternative covers all three jobs, so the tools below are grouped by the job a buyer is trying to replace: chasing with a fee on the ledger first (Paidnice), then chasing on its own, then credit checks, then finance. Paidnice and Chaser are the two of the five built to add a late fee on top of the chase; Kolleno, Upflow and Credit Hound leave the fee to be raised by hand.
| Job | What Satago includes | Alternatives on this page |
|---|---|---|
| Invoice chasing | Reminder emails and schedules on every tier; 100 emails a month on Basic, unlimited from Premium | Paidnice, Credit Hound, Chaser, Upflow |
| Credit risk checks | Credit scores and limit suggestions on every tier; 25, 100 or unlimited full reports (3 or 25 a year inside Sage 50) | Chaser, Kolleno |
| Invoice finance | Cash advance on one invoice or several, on every tier; advance cost not on the pricing page | Triver, Kriya (lenders, not software) |
Invoice finance is the job no software alternative covers. A business that wants funding against invoices keeps Satago, or pairs a chasing tool with a UK invoice finance lender such as Triver or Kriya (formerly MarketFinance), both of which advance cash against unpaid invoices and price each advance rather than charging a monthly subscription. Equisettle, a newer UK entrant, also covers the chasing job and is increasingly cited alongside comparison sites for this search. The five software options below are ordered by job, with Paidnice and the chasing tools first.
The work exists because invoices miss the due date. Xero Small Business Insights measures how often.
| Country | Paid late | Year on year |
|---|---|---|
| Australia | 4.3% | -2.7 pts |
| New Zealand | 5.1% | -0.5 pts |
| UK | 8.3% | -0.9 pts |
| US | 8.3% | -0.1 pts |
| Canada | 11.4% | +0.8 pts |
Source: Xero Small Business Insights, June 2026. See the full data on the Paidnice accounts receivable statistics dashboard.
That share is the queue the software has to clear.
Paidnice: best for any business up to $50m a year on Xero or QuickBooks Online
Paidnice is accounts receivable automation for Xero and QuickBooks Online that puts late fees and interest on the ledger, best for any business up to $50m a year, from $69 a month (£49).
- Fits: Finance teams that want reminders, statements, payment plans and escalation, with late fees as an optional lever.
- Entry cost: $69 or £49 a month (Essentials, 150 invoices, 2 users); Pro from $99 or £74 with unlimited users (Paidnice pricing page).
- Pricing unit: Invoice volume, not revenue or seats.
- Runs on: Paidnice connects natively to Xero and QuickBooks Online; the Custom plan adds NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central.
- Late fees and interest: Yes, per-invoice late fees and statement interest, with Bank of England base rate indexing for UK accounts.
- The one thing it does best: Posts the late fee or interest to the ledger as an invoice, so it enters the customer's payables and payment run.
- Limitation: No credit bureau reports and no invoice finance. Scope differences in the Satago alternative page.
Credit Hound: best for Sage 50 sites with a dedicated credit controller
Credit Hound is a Sage-channel collections add-on from Draycir, best for UK Sage 50 and Sage 200 sites with a credit controller, from £20 a user a month (about $26).
- Fits: UK Sage sites that want structured chasing, dispute logging and promise-to-pay tracking inside the Sage reseller channel.
- Entry cost: £20 a user a month on Sage 50 (about $26), £216 a year; £51 for the first user on Xero or Sage 200 (about $66), then £35 each (Credit Hound pricing page).
- Pricing unit: Per user, per company.
- Runs on: Sage 50, Sage 200, Sage Intacct, Sage Accounting and Xero. No QuickBooks Online connector.
- Late fees and interest: None documented.
- The one thing it does best: Dispute management with follow-up reminders and a promised-cash view.
- Limitation: No credit reports, no invoice finance, no statements documented, and payment links cost £38 a month extra.
Chaser: best for UK teams past £4m that want credit checks with chasing
Chaser is UK credit control software with email and SMS chasing plus Creditsafe credit checks, best for established UK teams past £4m turnover, from £199 a month (about $259).
- Fits: Established UK finance teams that want email, SMS and credit checks from one supplier.
- Entry cost: £199 a month (about $259) on Compact, for businesses up to £4m revenue; Core £599 (about $779) to £10m (Chaser pricing page).
- Pricing unit: Per plan, by revenue band; Compact has 4 users.
- Runs on: Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, NetSuite and Dynamics 365.
- Late fees and interest: Yes, including a Bank of England base rate option; one global rule for every customer.
- The one thing it does best: In-app credit reports from Creditsafe with Companies House director and filing data, plus continuous monitoring.
- Limitation: The entry price is more than four times Satago Basic, and there is no invoice finance. Tiers and add-ons in Chaser pricing and alternatives.
Kolleno: best for larger finance teams with reconciliation work
Kolleno is an AI order-to-cash platform built around cash application, best for finance teams above $1m turnover with reconciliation work, from $650 per user a month ($545 annual).
- Fits: Teams above $1m turnover (Business Plus needs $10m) that need cash application and bureau-fed credit scoring alongside chasing.
- Entry cost: $650 per user a month, or $545 a month on an annual contract; Business Plus $1,245 ($995 annual) (Kolleno pricing page).
- Pricing unit: Per user, minimum one seat on BusinessPay, two on Business Plus.
- Runs on: Xero, QuickBooks Online and Sage Intacct on the Business tiers; NetSuite, SAP and Dynamics on Enterprise.
- Late fees and interest: None documented.
- The one thing it does best: Cash application: remittance parsing, bank-file matching and multi-currency journal entries.
- Limitation: Per-user pricing means five seats cost $3,250 a month before add-ons. Seat maths in Kolleno pricing and alternatives.
Upflow: best for analytics-led finance teams invoicing $10m or more
Upflow is an analytics-led collections platform, best for finance teams that manage the chase from DSO dashboards; price on request, with Starter listed at $333 a month in its structured data.
- Fits: Teams that want DSO and collection analytics on top of reminder workflows, with unlimited seats.
- Entry cost: Quote-only on every tier, by annual gross invoice value; Upflow's structured data lists Starter at $333 and Grow at $833 a month, and the last published list prices were $440 (Grow) and $880 (Scale) (Upflow pricing page).
- Pricing unit: Annual gross invoice value band; seats unlimited. Payments add-on $390 a month plus card 3.5% + $0.30 and ACH 0.8% capped at $5.
- Runs on: QuickBooks, Xero, NetSuite, Sage Intacct, Stripe Billing, Chargebee and Zuora.
- Late fees and interest: Via the ERP only (NetSuite); no native calculation.
- The one thing it does best: Receivables analytics, including DSO against a best-possible DSO and cohort cash forecasting.
- Limitation: No published price, no payment plans and light credit scoring only. Detail in Upflow pricing and alternatives.
| Tool | Price from | Size fit | Ledger | Best for | Jobs covered | Limitation |
|---|---|---|---|---|---|---|
| Paidnice | $69 / £49 a month | Any size up to $50m a year, or 50,000 invoices a year | Xero, QuickBooks Online | Chasing with fees on the ledger | Chasing, statements, late fees | Creditsafe on Custom only, no finance |
| Satago (for reference) | £45 a month (about $59); £25 inside Sage 50 | UK small and mid-sized | Xero, Sage, QuickBooks, KashFlow, FreeAgent | All three jobs in one UK tool | Chasing, credit checks, invoice finance | Quotas on lower tiers; UK only |
| Credit Hound | £20 a user (about $26) on Sage 50 | UK Sage sites | Sage 50, Sage 200, Intacct, Xero | Sage sites with a credit controller | Chasing, disputes | No fees, no reports, no QuickBooks Online |
| Chaser | £199 a month (about $259) | UK, about £4m and up | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 | UK teams wanting credit checks | Chasing, credit checks | Entry price; no finance |
| Kolleno | $650 per user a month | $1m and up | Xero, QBO, Intacct; NetSuite, SAP on Enterprise | Cash application at scale | Chasing, credit scoring, cash application | Seat count multiplies the bill |
| Upflow | Price on request; $440 last published | $10m invoiced and up | QuickBooks, Xero, NetSuite, Intacct | Analytics-led teams | Chasing, analytics | No published price; no plans |
| Triver, Kriya | Priced per advance | UK small businesses | Connect to cloud ledgers for funding decisions | The invoice finance job alone | Invoice finance | No chasing software |
Satago pricing by tier
Satago publishes two price lists: the standalone app at £45 to £200 a month, and the Sage 50 embedded version at £25 to £45 a month. Which applies depends on whether you run Sage 50.
| Plan | Monthly | Annual | Included | Capped or gated |
|---|---|---|---|---|
| Basic (standalone) | £45 (about $59) | £450 (about $585) | Invoice chasing, 25 credit reports, invoice finance access | 100 email reminders a month, no SMS stated |
| Premium (standalone) | £80 (about $104) | £800 (about $1,040) | Unlimited email reminders, 100 credit reports, payment integrations | 100 SMS a month |
| Platinum (standalone) | £200 (about $260) | £2,000 (about $2,600) | Unlimited credit reports, dedicated account manager | 1,000 SMS a month |
| Standard (inside Sage 50) | £25 (about $33) | Not published | Unlimited users, unlimited chasing, Satago Mailbox, credit scores and limit suggestions | 3 full credit reports a year |
| Plus (inside Sage 50) | £45 (about $59) | Not published | Everything in Standard, connect your own inbox | 25 full credit reports a year |
| Plus (included) | £0 with eligible Sage 50 subscriptions | Not published | Identical to paid Plus | Eligible subscriptions not published |
Prices are from the Satago pricing page and the Satago Sage 50 embedded pricing page. Satago bills in GBP; USD figures are approximate. Every tier carries the same three jobs, so the tier you pick mostly changes the quotas: credit report count, SMS allowance and, on Basic, a 100-email cap.
What drives the Satago bill
Satago prices per company, from £45 (Basic) to £200 (Platinum) standalone, or £25 to £45 inside Sage 50. The bill moves on credit report quota, SMS allowance and billing frequency.
- The pricing unit is the company. The Sage 50 tiers state unlimited users. The standalone page does not state a user cap either way (Satago pricing page).
- Standalone or embedded. A Sage 50 customer pays £25 or £45 a month; everyone else starts at £45 and goes to £200.
- Credit report quota. Basic includes 25 reports, Premium 100, Platinum unlimited. Inside Sage 50 the counts are 3 or 25 full reports a year. This is the number that decides your tier.
- SMS allowance. Basic states no SMS. Premium includes 100 SMS a month and Platinum 1,000. Overage pricing is not published.
- Annual billing. Standalone annual prices are ten times the monthly price, so a year paid up front saves two months. No annual price is published for the Sage 50 tiers.
- Invoice finance is separate. Access to a cash advance is included in every tier; the cost of an advance is not on the pricing page.
No free trial, minimum term or VAT treatment is stated on either pricing page.
What three business sizes pay a year
Satago costs a small firm on Basic £540 a year billed monthly or £450 annually. A mid-sized firm on Premium pays £960 or £800. A larger firm on Platinum pays £2,400 or £2,000.
Business A: about £1m turnover, 60 invoices a month, occasional credit checks. Basic covers 25 credit reports and 100 email reminders a month; a two-email chase on 60 invoices is 120 reminders, so the cap is tight. £45 x 12 = £540 a year (about $702) monthly, or £450 (about $585) paid annually.
Business B: about £5m turnover, 250 invoices a month, credit checks on new accounts, some SMS. Premium removes the email cap and adds 100 SMS and 100 credit reports. £80 x 12 = £960 a year (about $1,248) monthly, or £800 (about $1,040) annually.
Business C: about £15m turnover, 800 invoices a month, credit checks on every account, SMS in every sequence. Platinum for unlimited reports and 1,000 SMS. £200 x 12 = £2,400 a year (about $3,120) monthly, or £2,000 (about $2,600) annually.
| Business | Standalone tier | Annual, billed monthly | Annual, paid up front | Sage 50 route |
|---|---|---|---|---|
| A: £1m, 60 invoices/month | Basic | £540 (about $702) | £450 (about $585) | Standard £300, or Plus £540 / £0 included |
| B: £5m, 250 invoices/month | Premium | £960 (about $1,248) | £800 (about $1,040) | Plus £540 / £0 included, 25 reports a year |
| C: £15m, 800 invoices/month | Platinum | £2,400 (about $3,120) | £2,000 (about $2,600) | Plus £540 / £0 included, 25 reports a year |
On Sage 50, Standard is £25 x 12 = £300 a year and Plus is £45 x 12 = £540, or £0 with included Plus; the trade-off is 3 or 25 full reports a year. The arithmetic excludes VAT, SMS overage and invoice finance charges. For the wider market, see what credit control software costs.
Is Satago worth the price
Satago is good value for a UK business using all three jobs, since Basic costs £45 a month (about $59) whether or not the credit checks and invoice finance get used. Users rate Satago 4.93 from 92 reviews on the Xero App Store UK. A chasing-only business pays for two jobs it will not run.
| Fits | Overpays |
|---|---|
| UK businesses on Xero, Sage 50, QuickBooks, KashFlow or FreeAgent that credit check new customers and want to fund an invoice from the same screen. | A business that never runs a credit report and never borrows against invoices, using a three-job bundle for one job. |
| Sage 50 customers with included Plus, who get reminders, statements and credit scores for nothing extra. | A chasing-only firm on Basic, where the 100-reminder cap pushes it to Premium at £80. |
| Firms that want one supplier for chasing, risk and funding. | Any business outside the UK: Satago is UK-only and bills in GBP. |
Before buying, ask Satago for the minimum term, the SMS overage rate, the cost of an advance, and whether your Sage 50 subscription qualifies for included Plus. None of the four is on the pricing page.
How Paidnice prices chasing and statements
Paidnice charges by invoice volume, not revenue or seats, against Satago's per-company tiers. Essentials is $69 a month (£49) for 150 invoices and two users. Pro starts at $99 (£74) for 300 invoices with unlimited users.
- Essentials: $69 / £49 a month, 150 invoices, 600 emails, 2 team members, escalation workflows and SMS reminders included.
- Pro 300: $99 / £74. Pro 600: $179 / £129. Pro 1,000: $279 / £199. Pro 2,000: $489 / £349. All Pro tiers include unlimited users and custom-domain sending.
- Custom from $999 / £749 for 4,000+ invoices, with ERP and payment integrations, invoice API access and a dedicated account manager.
- Add-ons: multi-entity $29 / £19 per entity a month; SMS $0.10 / £0.05 each. No contracts and no lock-ins.
Business B above, at 250 invoices a month, lands on Pro 300: $99 x 12 = $1,188 a year (£888). Business C at 800 invoices lands on Pro 1,000: $279 x 12 = $3,348 a year (£2,388). Both include unlimited users, automatic statements, payment plans and optional automatic late fees and interest.
Reminders and statements are a full use case on their own. Late fees and interest are optional, and where they are on they act as leverage: the fee sits on the ledger as an invoice, so it enters the customer's payables and their payment run.
The first 20 actions are free, with no time limit and no credit card, so a finance team can run a real chase sequence on live Xero or QuickBooks Online invoices before paying anything. Paidnice picks up invoices that were already open at connection as well as invoices raised after setup.
Does Paidnice replace Satago's invoice finance?
Partly. Paidnice has no invoice finance feature. It runs credit bureau checks through Creditsafe on its Custom plan; Essentials and Pro rate payers from their own payment history instead. Paidnice automates reminders, statements, escalation and optional late fees and interest on Xero and QuickBooks Online invoices, which is the chasing job in Satago's bundle.
A UK business that borrows against invoices keeps Satago for the funding, or pairs Paidnice with a separate invoice finance lender such as Triver or Kriya. A business that wants credit reports without finance should weigh Chaser, whose reports come from Creditsafe. A business that only needs the chasing job, with statements and a fee that lands on the ledger, is the one Paidnice is built for.
Satago pricing and alternatives questions
Satago's £45 entry price is the figure most buyers start from. Short answers to the questions that follow it.
How much does Satago cost per month?
£45 (Basic), £80 (Premium) or £200 (Platinum) a month standalone, about $59, $104 and $260. Inside Sage 50 it is £25 (Standard) or £45 (Plus), and Plus is included free with eligible Sage 50 subscriptions (Satago pricing pages).
Does Satago have a free plan or free trial?
No free plan or free trial is stated on the standalone pricing page. The only £0 route is the included Plus tier for eligible Sage 50 subscriptions, and Satago does not publish which subscriptions qualify; a Sage account manager confirms eligibility.
Is Satago priced per user?
No. Satago prices per company by tier. The Sage 50 tiers state unlimited users. The standalone page does not publish a user limit, so confirm with Satago if you have a large team.
What is the best Satago alternative for invoice chasing?
The best fit follows the ledger. Credit Hound at £20 a user fits Sage 50 sites, Chaser at £199 a month fits UK teams that also want credit checks, and Paidnice from $69 or £49 fits Xero and QuickBooks Online businesses that want statements and optional late fees with the chasing.
Is there a Satago alternative that includes invoice finance?
No software alternative on this page bundles invoice finance in. Satago covers chasing, credit checks and invoice finance in one tool; every alternative here covers chasing, with credit checks on Chaser and Kolleno, so funding comes from a separate UK invoice finance lender such as Triver or Kriya.
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