Summary
Upflow pricing is quote-only: five tiers (Starter, Grow, Scale, Accelerate, Enterprise) are set by annual gross invoice value, from up to $10m to over $100m, with unlimited seats on every tier. Upflow's own structured data lists Starter at $333 and Grow at $833 a month. The last published list prices were $440 and $880 a month.
- The one printed price: Upflow's $390 a month is the fee for its Payments add-on, not a platform subscription, plus 3.5% and $0.30 per card payment and 0.8% per ACH payment capped at $5.
- Paidnice: Best for any business up to $50m a year on Xero or QuickBooks Online that wants terms enforced, from $69 a month (£49), priced by invoice volume.
- Kolleno: Best for mid-market teams over $1m turnover that want cash application on a small seat count, from $650 per user a month.
- Chaser: Best for larger UK finance teams past about £4m turnover that want credit checks with their chasing, from £199 a month.
Upflow's pricing tiers
Upflow's own structured data prices Starter at $333 and Grow at $833 a month, even though the visible pricing page marks every tier "Ask for a quote". The five paid tiers, Starter to Enterprise, are set by annual gross invoice value; the last published list prices were $440 and $880.
| Tier | Annual gross invoice value | Invoices a year | Monthly price | Annual price | Seats |
|---|---|---|---|---|---|
| Starter | Up to $10m | 40,000 | Quote only ($333 in the page's structured data) | Quote only | Unlimited |
| Grow | Up to $25m | 100,000 | Quote only ($833 in the page's structured data; last published $440) | Quote only (last published $400 a month, billed annually) | Unlimited |
| Scale | Up to $50m | 200,000 | Quote only (last published $880) | Quote only (last published $800 a month, billed annually) | Unlimited |
| Accelerate | Up to $100m | 300,000 | Quote only | Quote only | Unlimited |
| Enterprise | Over $100m | 700,000 | Quote only | Quote only | Unlimited |
The tier names, invoice-value bands and invoice caps are Upflow's own (Upflow pricing page). The $440 and $880 figures were the list prices on the previous Grow and Scale tiers, when Grow covered businesses up to $10m and Scale covered $10m to $50m. No paid tier carries a visible published price today.
Does Upflow have a subscription price at all?
No. Every paid Upflow tier is quote-only on the visible pricing page. The closest public numbers are the prices in the page's own structured data, $333 a month for Starter and $833 for Grow, and the historical list prices of $440 and $880.
The contradiction is on Upflow's own page. The text a visitor reads says "Ask for a quote" against Starter, Grow, Scale, Accelerate and Enterprise. The JSON-LD block behind that text, which search engines read, gives Starter a price of $333.00 USD for businesses invoicing up to $10m a year (40,000 invoices) and Grow a price of $833.00 USD for up to $25m (100,000 invoices). Scale, Accelerate and Enterprise carry no price in either place. The one figure printed in plain sight is the Payments add-on at $390 a month. Treat $333 and $833 as Upflow's own floor for a quote, and expect the sales conversation to start there.
The $390 a month figure that some tools quote as Upflow's "platform fee" is specifically the Upflow Payments add-on charge, not a base subscription price: no tier's subscription cost is published anywhere on Upflow's site.
Software is bought to shorten one wait. Xero Small Business Insights measures that wait in five markets.
| Country | Days to be paid | Year on year |
|---|---|---|
| Australia | 20.3 days | -4.3 days |
| New Zealand | 23.2 days | -0.9 days |
| US | 29.1 days | +1.6 days |
| UK | 29.3 days | -0.3 days |
| Canada | 29.5 days | +1.9 days |
Source: Xero Small Business Insights, June 2026. See the full data on the Paidnice accounts receivable statistics dashboard.
Judge any tool on what it does to that figure.
What drives an Upflow bill
Upflow bills on six variables. Revenue band sets the tier, invoice volume caps it, and the $390 a month Payments add-on is the only line with a printed price.
- Annual gross invoice value. The tier is set by how much you invoice a year, from up to $10m on Starter to over $100m on Enterprise. Growth moves you up a band, and up a quote.
- Invoice volume. Each tier carries a yearly invoice cap: 40,000 on Starter, 100,000 on Grow, 200,000 on Scale, 300,000 on Accelerate and 700,000 on Enterprise (Upflow pricing page).
- Seats. Unlimited on every tier. Adding a credit controller costs nothing extra.
- Payments add-on. $390 a month on any tier, plus 3.5% and $0.30 per card payment, and 0.8% per ACH payment capped at $5. A Payments Lite option routes through a third-party gateway for a smaller fee.
- Contract term. The last published annual prices were about 9% below monthly ($400 against $440, $800 against $880). Whether a 2026 quote carries the same discount is a question for the sales conversation.
- Channels. Email, SMS and letter actions send automatically. Call and task actions are assigned to a person.
What three business sizes pay a year
At the last published Upflow list prices, a $2m or $8m business paid $5,280 a year for the platform and a $20m business paid $10,560, before Payments fees.
The examples use the last published prices on the bands they applied to: Grow at $440 a month for businesses up to $10m, Scale at $880 a month for $10m to $50m. Payments fees assume an average invoice of $2,000 and every invoice paid through Upflow Payments by ACH. Your quote will differ; the arithmetic shows where the money goes.
| Business | Platform (last published) | Payments platform fee | ACH fees at the $5 cap | Total a year |
|---|---|---|---|---|
| $2m revenue, 1,000 invoices | $440 × 12 = $5,280 | $390 × 12 = $4,680 | 1,000 × $5 = $5,000 | $14,960 |
| $8m revenue, 4,000 invoices | $440 × 12 = $5,280 | $390 × 12 = $4,680 | 4,000 × $5 = $20,000 | $29,960 |
| $20m revenue, 10,000 invoices | $880 × 12 = $10,560 | $390 × 12 = $4,680 | 10,000 × $5 = $50,000 | $65,240 |
Two things stand out. The platform subscription is the small number: $5,280 to $10,560 a year at the last published prices. And the ACH cap matters. A $2,000 invoice paid by ACH would cost $16 at 0.8%, but the $5 cap holds it to $5, so an ACH-heavy business pays a flat $5 an invoice.
Card payments carry the higher rate, 3.5% plus $0.30 per transaction, with no cap. A $2,000 invoice paid by card costs $70.30 in fees against $5 by ACH. Payments Lite exists for teams that want a cheaper gateway.
Is Upflow worth the price
Upflow earns its quote for finance teams that manage collections by metric and want unlimited seats; users rate it 4.8 from 233 reviews on G2. It overcharges teams that need fees, interest or payment plans applied.
| Upflow fits | Upflow overcharges |
|---|---|
| Teams that manage collections by metric: countback DSO against best-possible DSO, collection effectiveness, at-risk balances over 90 days, cash forecasting by billing cohort. | Teams that need late fees or interest computed. Upflow's documentation points you to applying them in the ERP. |
| Finance teams on NetSuite, Sage Intacct, Stripe Billing or Chargebee with several people chasing, since seats are unlimited. | Teams that need payment plans. There are none beyond a customer choosing to pay part of a balance. |
| Businesses that want a branded portal with Autopay and automatic cash application in the same tool. | Teams that chase at more than one time a day. Automatic actions fire once a day, on business days only, at a fixed time. |
| Teams that want unlimited seats without a per-user bill, since every tier includes unlimited users. | Teams sending through their own SMTP, which switches off open and click tracking. |
On QuickBooks Online the sync is one-way and polled every five minutes, with payments landing in Undeposited Funds for manual reconciliation. A business under $10m on QuickBooks or Xero that needs terms enforced automatically is paying a revenue-band quote for reporting depth and still applying fees by hand.
Upflow pricing and alternatives compared
Five Upflow alternatives run from quote-only enterprise suites to $69 a month (£49). Two are quote-only, Kolleno charges $650 a user, Chaser starts at £199 a month (about $259) and Paidnice is priced by invoice volume.
The options are ordered by the size of business each one is built for, largest first. Each block gives the entry cost in the currency the vendor bills in, with US dollars in brackets where the vendor bills in pounds.
Quadient AR: best for enterprise finance teams on a full ERP
Quadient AR is an enterprise receivables suite, formerly YayPay, best for finance teams that want collections, cash application and credit applications inside one platform; price on request.
- Fits: Enterprise AR teams that want collections, cash application, credit applications and disputes inside a wider suite. Quadient acquired YayPay in 2020.
- Entry cost: Quote only.
- Pricing unit: Not published.
- Runs on: NetSuite, Sage Intacct, Sage ERPs, Dynamics, SAP, Acumatica, Xero, QuickBooks, Zuora; Salesforce on the CRM side.
- Late fees and interest: No native module.
- The one thing it does best: Machine-learning payment predictions and a dedicated cash application module.
- Limitation: The portal cannot split a single invoice into instalments, and email runs through one shared AR mailbox.
Growfin: best for enterprise NetSuite teams that live in Salesforce
Growfin is an AI collections and cash application platform built for NetSuite, best for high-volume enterprise AR teams that raise disputes in Salesforce; price on request.
- Fits: High-volume enterprise AR teams on NetSuite that want behavioural-AI dunning and disputes raised as Salesforce cases.
- Entry cost: Not published.
- Pricing unit: Not published.
- Runs on: NetSuite (a Built for NetSuite SuiteApp), Salesforce, Slack, Zuora. No evidence of Xero or QuickBooks Online connectors.
- Late fees and interest: No.
- The one thing it does best: Cash application, with SmartExtract reading remittances and SmartMatch applying up to 80% of payments without a human, by Growfin's own claim.
- Limitation: No native payments product, and G2 reviewers report a median three-month implementation.
Kolleno: best for mid-market teams that want per-user pricing and cash application
Kolleno is an AI order-to-cash platform with reconciliation and collections, best for teams over $1m turnover with a small seat count, from $650 per user a month.
- Fits: Teams over $1m turnover that want AI-led collections and reconciliation and can see the seat count staying small.
- Entry cost: $650 per user a month on BusinessPay ($545 on annual billing). Business Plus is $1,245 per user a month ($995 annual) and needs over $10m turnover.
- Pricing unit: Per user, with a minimum of two users on Business Plus.
- Head to head: Kolleno vs Upflow compares the two on price, size fit and late fees.
- Runs on: Xero, QuickBooks Online and Sage Intacct on BusinessPay and Business Plus; NetSuite, SAP, Oracle and Dynamics on the Enterprise tiers.
- Late fees and interest: No evidence of a late fee or interest feature. Payment plans are included.
- The one thing it does best: Cash application and reconciliation, including bank-file matching and NetSuite multi-currency journals.
- Limitation: The bill climbs with headcount; a team of five on BusinessPay starts at $3,250 a month.
Chaser: best for larger UK teams that want credit checks with their chasing
Chaser is UK credit control software with email, SMS and Creditsafe credit checks in one place, best for finance teams past about £4m turnover, from £199 a month (about $259).
- Fits: Established UK finance teams past about £4m turnover. This is the credit control tool at chaserhq.com, not an unrelated Slack task tool.
- Entry cost: £199 a month (about $259) on Compact, which covers businesses up to £4m revenue with four users. Core is £599 a month (about $779) up to £10m, Complete £899 (about $1,169).
- Pricing unit: Revenue-tiered plans with credit-metered SMS, calls and letters.
- Runs on: Xero, QuickBooks, Sage, NetSuite, Dynamics 365 and others.
- Late fees and interest: Yes, four calculation types including the Bank of England base rate, under one global rule.
- The one thing it does best: Email, SMS and Creditsafe credit checks in one place, with continuous monitoring of customer financial health.
- Limitation: One global late fee rule that cannot vary per customer group, and payment-plan chasing follows the invoice due date rather than the instalment dates.
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 enforces payment terms with reminders, statements, late fees and interest, best for any business up to $50m a year, from $69 a month (£49).
- Fits: Finance teams doing up to $50m a year that want reminders, statements and escalation running automatically, with late fees and interest as optional leverage.
- Entry cost: $69 a month (£49) on Essentials for 150 invoices and two users; Pro from $99 a month (£74) with unlimited users.
- Pricing unit: Invoices chased a month, not revenue or seats.
- Runs on: Xero and QuickBooks Online natively; NetSuite, Sage Intacct, Dynamics 365 Business Central and MYOB on the Custom plan.
- Late fees and interest: Yes. An invoice late fee and a statement interest charge, both posted to the ledger as an invoice.
- The one thing it does best: Enforcing payment terms: the fee sits on the ledger, so it enters the customer's payables and payment run.
- Limitation: ERP connections are on the Custom plan only, from $999 a month (£749), and it is not built for an enterprise collections floor.
| Tool | Best for | Price from | Pricing unit | Size fit | Ledger | One limitation |
|---|---|---|---|---|---|---|
| Upflow (priced above) | Metric-led collections teams | Quote only ($333 Starter in structured data; last published $440) | Gross invoice value band | Bands from up to $10m to over $100m | NetSuite, Sage Intacct, Xero, QuickBooks Online, Stripe Billing, Chargebee | No native late fees, interest or payment plans |
| Quadient AR | Enterprise suites | Quote only | Not published | Enterprise | NetSuite, Sage Intacct, Dynamics, SAP, Xero, QuickBooks | Cannot split an invoice into instalments |
| Growfin | Enterprise NetSuite teams | Not published | Not published | Enterprise | NetSuite | No Xero or QuickBooks evidence |
| Kolleno | Per-user mid-market teams | $650 a user a month ($545 annual) | Per user | Over $1m; Business Plus over $10m | Xero, QuickBooks Online, Sage Intacct; NetSuite, SAP, Dynamics on Enterprise | Bill climbs with headcount |
| Chaser | Larger UK teams | £199 a month (about $259) | Revenue-tiered plans | About £4m turnover and up | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 | One global late fee rule |
| Paidnice | Xero and QuickBooks businesses enforcing terms | $69 a month (£49) | Invoice volume | Any size up to $50m a year, or 50,000 invoices a year | Xero, QuickBooks Online; ERPs on Custom | ERP connections on Custom only |
The per-seat maths for three, five and ten Kolleno users is in Kolleno pricing and alternatives. Chaser's Compact, Core and Complete tiers and the Care add-on are set out in Chaser pricing and alternatives. The wider field is ranked in the best Upflow alternatives in 2026, and the category's price bands are compared in credit control software pricing.
How Paidnice prices the same job
Paidnice is priced by invoice volume, not revenue, with unlimited users on Pro. Plans run from $69 a month (£49) to $799 a month (£599), and most businesses up to $50m a year sit between Pro 300 and Pro 2,000.
The pricing unit is the number of invoices Paidnice chases each month, which is the work it does. Revenue never enters the calculation, so a business that grows from $5m to $15m on the same invoice count pays the same. Essentials covers 150 invoices and two team members; every Pro plan includes unlimited users. Full detail is on the Paidnice pricing page.
| 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 600 | 600 | $179 | £129 | 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 | 4,000+ | From $999 | From £749 | Unlimited |
Every plan includes automated email and SMS reminders, automatic statements, escalation workflows, a customer payment portal and payment plans through Stripe. Late fees and statement interest are optional policies you switch on per customer group, with the fee posted to the ledger in Xero or QuickBooks. SMS messages are $0.10 each (£0.05). There are no contracts or lock-ins.
The $8m business from the example above, sending about 330 invoices a month, would sit on Pro 600 at $179 a month (£129), or $2,148 a year (£1,548), with as many users as the finance team needs.
💡 Paidnice insight
Revenue-band pricing charges you for getting bigger. Invoice-volume pricing charges you for the chasing that happens. Our customers cut their average wait for payment in half within 30 days. Late fees and statement interest post to the ledger as an invoice, so they enter the customer's payables and payment run.
Upflow pricing questions
Upflow publishes one price, the $390 a month Payments platform fee. These are the answers to the questions finance teams ask before requesting a quote.
How much does Upflow cost per month?
There is no visible monthly price for any paid Upflow tier. Upflow's structured data lists Starter at $333 and Grow at $833 a month, and the last published list prices were $440 a month for Grow and $880 a month for Scale. Today Starter, Grow, Scale, Accelerate and Enterprise are all quoted by annual gross invoice value (Upflow pricing page).
Does Upflow have a free plan?
The five paid tiers are quote-only. Upflow's pricing FAQ mentions a free Discover plan, but it is not among the plan cards; it is analytics only, with no collection automation.
Is Upflow priced per user?
No. Seats are unlimited on every tier. The tier is set by your annual invoiced revenue and capped by invoices a year, from 40,000 on Starter to 700,000 on Enterprise.
What does Upflow Payments cost?
$390 a month as a platform fee on any tier, plus 3.5% and $0.30 for each card payment and 0.8% for each ACH payment, capped at $5. A Payments Lite option through a third-party gateway carries a smaller fee.
Which Upflow alternative is cheapest?
Of the five options above, Paidnice has the lowest published entry price at $69 a month (£49), then Chaser at £199 a month (about $259), then Kolleno at $650 per user a month. Quadient AR and Growfin do not publish prices. The cheapest tool is only the right one if it runs on your ledger and applies the fees you need.
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