Satago combines credit control with invoice finance and credit reports for UK businesses. Paidnice focuses on credit control for Xero and QuickBooks, priced by invoice volume. Here is how they compare, and which business each one fits.
Thirteen points that decide the fit, from price to payment plans.
ComparedSatagoPaidnice
Fit and price
Best fitSatagoUK small and medium-sized businesses, often on Sage, that also want invoice finance.PaidniceAny size, from the first invoice up to $50m a year, or 50,000 invoices a year.
Priced onSatagoA plan per company, with allowances for credit reports, email reminders and SMS.PaidniceInvoice volume, not revenue.
Price from (USD)SatagoAbout $60 a month for Basic (£45), about $105 for Premium (£80). Sage 50 users can get it from £25.Paidnice$69 a month for 150 invoices (Essentials). Pro from $99.
Ledgers and channels
Accounting systemsSatagoXero, Sage (including Sage 50), QuickBooks, KashFlow and FreeAgent.PaidniceXero and QuickBooks Online. NetSuite, Sage Intacct, Business Central and other cloud ERPs on the Custom plan. No desktop ledgers.
Reminder channelsSatagoEmail: 100 reminders a month on Basic, unlimited above. Own email address from Premium; Basic does not list it. SMS from Premium.PaidniceEmail, SMS and WhatsApp, posted letters at $2.00 each, and calls from Paidnice with transcripts on Pro.
Collections features
Late fees and interestSatagoNot verifiable from public materials.PaidniceYesFlat fees, percentage or compounding interest by customer group, posted to Xero or QuickBooks. UK Bank of England base rate built in.
StatementsSatagoYesListed for the Sage 50 edition.PaidniceYesAutomatic, on any weekly or monthly schedule, as PDF, Excel or CSV.
Payment plansSatagoNot verifiable from public materials.PaidniceYesOn Pro and up. Customers can build their own plan in the portal.
Portal and paymentsSatagoPremiumPayment integrations on Premium and up.PaidniceYesBranded portal with no login. Card, ACH, BACS and direct debit through Stripe, plus Pinch and payment links.
Credit checksSatagoYesRisk Insights with Creditsafe data: 25 credit reports on Basic, unlimited on Platinum.PaidniceYesNative credit checks from each customer's payment behavior on every plan, plus Creditsafe bureau checks through the API on the Custom plan.
Escalation and servicesSatagoYesInvoice finance on one or more invoices, and a credit control service.PaidniceYesEscalation to a call, a stop on credit or a template legal letter, assigned to a person.
Getting started
Getting startedSatago14-day free trial advertised on its product pages; the pricing page does not say which plan it covers.PaidniceFree sign-up, first 20 actions free, no card. Setup takes under 15 minutes.
Contract termsSatagoMonthly, or yearly for ten months’ price.PaidniceMonth to month, no contracts.
Satago publishes prices in GBP only, so USD figures are approximate. Satago details are from its public pages, checked October 2026; verify current pricing with Satago.
Which one fits your business
Both tools chase unpaid invoices. Size, ledger and the extras you need decide which one suits you.
Choose Satago if
You are a UK business on Sage 50, where Satago runs inside Sage and can come with your subscription.
You want invoice finance from the same provider as your credit control.
You want credit reports with Creditsafe data in your plan.
You want unlimited users, which the Sage 50 edition includes.
Choose Paidnice if
You run Xero or QuickBooks Online, at any size up to $50m a year or 50,000 invoices a year.
You want pricing by invoice volume, from $69 a month (USD), with no contract.
You want late fees and UK statutory interest posted to the ledger, with different rules for each customer group.
You want payment plans, a payment portal and escalations in the same tool as your reminders.
Switching from Satago in three steps
Run both for a short time, one customer group first, so no reminder is missed.
1
Connect Xero or QuickBooks
Paidnice picks up the invoices that are already open, as well as new ones. Setup takes under 15 minutes.
ActivityToday
Connected to WellPaid co.
248 open invoices picked upIncluding the ones already overdue
New invoices added as you raise them
2
Approve the draft policies
Paidnice prepares draft policies for you. Start with one customer group: pause Satago for it and approve each action before it sends.
Upcoming actions
Drafts 18Scheduled 0Drafts send after you approve them
2 to 7 days
Invoice emailSMS+9 more
8 to 30 days
Invoice late feeStatement+5 more
3
Go live
When the first group looks right, set its policies to Active and turn off Satago for the rest.
Policies · CommercialLive
Safe Mode
3 daysbefore due
RemindersEmail, then SMS once overdue
Active
14 daysoverdue
Late fee2% of the balance, posted to Xero
Active
1stof month
StatementsPDF to each customer with a balance
Active
Active policies send on schedule, no approval needed.
Trusted with over $1,200,000,000 collected on time across 1,070,000 invoices since 2022.
and counting
Questions about switching from Satago
Is Paidnice a good alternative to Satago?
It depends on what you need beyond chasing. Satago combines credit control with invoice finance and credit reports, and runs inside Sage 50 for UK businesses. Paidnice focuses on credit control for Xero and QuickBooks Online, priced by invoice volume from $69 a month (USD), for any business up to $50m a year, or 50,000 invoices a year.
How does Satago pricing compare with Paidnice?
Satago Basic is £45 a month (about $60) with 100 email reminders a month, and Premium is £80 with unlimited email reminders and 100 SMS. Paidnice starts at $69 a month (USD) for 150 invoices and 600 emails, with SMS charged per message. See Paidnice pricing in your currency.
Does Paidnice offer invoice finance?
No. Paidnice chases what you are owed and does not lend against invoices. If you need finance, use a separate provider alongside your credit control tool.
Does Paidnice work with Sage 50?
No. Paidnice connects to cloud ledgers: Xero and QuickBooks Online on every plan, and Sage Intacct or Sage Accounting on the Custom plan. It does not connect to desktop software such as Sage 50 or Sage 200.
Can I switch from Satago without a gap in reminders?
Yes. Paidnice picks up the invoices that are already open when you connect. Start with one customer group in Draft, check each action, then turn off Satago for the rest.
Can I try Paidnice before I pay?
Yes. Signing up is free, your first 20 actions are free and you do not need a card. See pricing for the plans.
Compare other tools
See how Paidnice compares with each of these, side by side.
248 open invoices picked up
