Comparison

Chaser alternatives: seven credit control tools for UK and Irish businesses, with prices side by side

Key Takeaway

Chaser starts at £199 a month for revenue under £4 million. Cheaper published options: Satago from £45, Paidnice from £49 and Credit-IQ from £55 plus VAT. Paidnice has a person approve each drafted reply by default. For Sage 50, only Chaser and Satago connect. Kolleno, Upflow, Gaviti and Quadient AR suit bigger teams.

Chaser is the default credit control tool for many UK and Irish SMEs, priced by turnover. People look for an alternative for three reasons: the price at their revenue band, an accounting system Chaser handles differently, or wanting a person to approve every email. Seven alternatives, read on their own sites, with Chaser as the reference column.

Vendor sites last checked:

Vendor pages cited: 24

The short answers

The questions buyers actually ask, answered from what each vendor publishes on its own site. Every claim is linked in the table and cards below.

What are the best Chaser alternatives?

It depends on why you are leaving. On price: Satago from £45 a month, Paidnice from £49 and Credit-IQ from £55 plus VAT all publish lower entry prices than Chaser's £199. On approval: Paidnice has a person approve each drafted reply unless you pre-approve routine ones. On scale: Kolleno, Upflow, Gaviti and Quadient AR add cash application and bigger-ERP connections, mostly on a quote.

How much does Chaser cost?

Chaser prices by annual revenue, and every plan says "From": Compact from £199 a month for revenue under £4 million with four users, Core from £599 under £10 million with unlimited users and multi-entity support, Complete from £899 under £100 million. Paying yearly brings these to £179, £539 and £809 a month. Custom above that.

Chaser vs Upflow: which is better for B2B collections?

Chaser publishes prices by turnover and names Sage 50, Sage 200 and Business Central; disputed invoices are paused by hand. Upflow quotes every plan by invoiced revenue with unlimited seats, has Xero and QuickBooks Online on every plan and NetSuite from Grow, and says flagging a dispute pauses reminders. Business Central is coming soon on Upflow.

Kolleno vs Chaser: how do the prices compare?

Chaser is priced by company turnover, from £199 a month for up to four users. Kolleno is priced per user: Business Pay from $545 a user a month billed annually ($650 monthly), Business Plus $995 ($1,245). For a team of four, Kolleno Business Pay is about $2,180 a month billed annually; Chaser Compact is from £199.

Which Chaser alternative works with Sage 50 or Sage 200?

Few do. Satago connects to Sage 50 through a desktop connector and lists Sage 200 as coming soon. Gaviti names Sage 200cloud. Paidnice says "not Sage 50 or Sage 200". Kolleno says Sage without naming the edition. Chaser itself names Sage 50 UK and Sage 200. Our Sage AR page compares nine tools by edition.

Side by side

Each answer links to the vendor page it was read from. “Not stated” means we could not find it on the vendor's own site, which is not the same as “no”.

Chaser alternatives for UK and Irish credit control: capabilities as published by each vendor, checked 9 November 2026
CapabilityChaser (reference)PaidniceSatagoCredit-IQKollenoUpflowGavitiQuadient AR
Published entry priceYesFrom £199 a monthYesFrom £49 a monthYesFrom £45 a monthYesFrom £55 a month + VATYesFrom $545 per user a monthNoQuoteNoUsage-based quoteNoQuote
Priced byYesAnnual revenue bandYesInvoice volume, per companyYesFlat planYesInvoices a monthYesPer userYesInvoiced revenue; unlimited seatsYesUsage, not per userPartlySize and complexity
XeroYesYesEvery planYesTwo-way syncPartlyRead-only connectorYesYesEvery planYesYesLogo on integrations page
QuickBooks OnlineYesYesEvery planNot stated"Quickbooks" named; edition not statedPartlyRead-only connectorYesYesEvery planYesYes
Sage 50YesSage 50 UKNoYesDesktop connectorNot statedSage One namedNot stated"Sage", edition not namedNot statedNot listedNot statedNot namedNot statedNot listed for AR
Sage 200YesNoPartlyComing soonNot statedNot statedEdition not namedNot statedNot listedPartlySage 200cloud on ERP indexNot statedNot listed for AR
Sage IntacctYesPartlyCustom planYesNot statedYesYesGrow and upYesYes
Business CentralYesPartlyCustom planNot statedNot statedPartlyEnterprise onlyNoComing soonNot statedNot in direct listNot stated"Microsoft Dynamics" only
Person approves before sendYesAI replies sent with one clickYesBy default; routine replies can be pre-approvedNot statedRule-based remindersNot statedTemplate remindersPartlyYou pick: insights, drafts or independentPartlyPer skill: off, suggest or autonomousNot statedSells "autonomous" A/RYesAI prepares "the action for review"
Dispute stops the chase on its ownNoPaused by handYesDispute open, reminders pausedNot statedNot statedLogged and reportedNot statedDispute workspaceYesFlagging pauses remindersNot statedPartial and full disputes trackedNot statedTracked centrally

Each tool, in brief

Chaser (reference)

What it does
The reference point: a London credit control tool for SMEs to mid-market, with reminders, an AI email generator, a payment portal and outsourced credit control (Chaser Care). source
Price
From £199 a month under £4M revenue (4 users), £599 under £10M (unlimited users, multi-entity), £899 under £100M; £179 / £539 / £809 a month paid yearly. source
Fit
Names Xero, QuickBooks, Sage 50 UK, Sage 200, Sage Business Cloud, Sage Intacct, Business Central, NetSuite, AccountsIQ, Odoo and SAP. source
Limits
  • Disputed invoices are paused by hand: "You can stop or pause chasing on an individual customer or invoice level". source
  • Sync frequency per accounting system is not stated on the integrations page; its Xero help says it syncs once a day and before each reminder run. source

Paidnice

What it does
A New Zealand credit control tool built for Xero and QuickBooks Online, with an AI collections agent that reads every reply, late fees and statutory interest. Xero App of the Year 2025 Global. source
Price
Essentials £49 / US$69 / €59 a month for 150 invoices and 2 team members; Pro tiered by invoice volume with unlimited users; Custom from US$999 a month. No seat fees; each plan covers one company. source
Fit
Xero and QuickBooks Online businesses, including groups on Pro (each extra entity US$29 a month); NetSuite, Business Central and Sage Intacct only on Custom. source
Limits
  • Sage 50 and Sage 200 are not supported: "not Sage 50 or Sage 200". source

Satago

What it does
A UK credit control, credit-check and invoice finance tool for small and medium businesses: real-time credit reports, automated reminders from your own email address, and finance against invoices. source
Price
Basic £45 a month (25 credit reports, 100 email reminders), Premium £80 (unlimited email reminders, 100 SMS), Platinum £200 (1,000 SMS, account manager); £450 / £800 / £2,000 a year. source
Fit
UK SMEs on Sage, Xero or QuickBooks; Sage 50 through a desktop connector. source
Limits
  • Reminders are rule-based; the pages read describe no AI drafting and do not say what happens to a disputed invoice. Sage 200 is "coming soon". source

Credit-IQ

What it does
A Cardiff AR tool "Powered by Atradius": template reminders, promise-to-pay handling and final demand letters, with escalation to Atradius Collections. source
Price
£55 / £99 / £135 a month plus VAT for 100 / 200 / 300 invoices; £49 / £89 / £121 a month billed annually. "Additional fees may apply for some ERP synchronisation". source
Fit
Small businesses on Xero, QuickBooks, Sage One, FreeAgent, Exact, Zoho and others, read-only through a connector. source
Limits
  • No AI drafting; disputes are logged and reported, and the pages do not say the chase pauses. source

Kolleno

What it does
A London order-to-cash platform for CFOs and credit controllers: collections inbox, disputes, cash application, with AI agents that act on the rules you set. source
Price
Per user a month: Business Pay $545 billed annually ($650 monthly), Business Plus $995 ($1,245); Enterprise custom. source
Fit
Xero, QuickBooks and Sage Intacct on Business plans; NetSuite, Business Central, SAP and Oracle Fusion on Enterprise. source
Limits
  • Per-user pricing in US dollars adds up fast for a team; Sage editions other than Intacct are not named. source

Upflow

What it does
A collections and payments platform priced by annual invoiced revenue with unlimited seats; AI reads replies for promises and disputes. source
Price
Not published: every plan is "Ask for a quote", from Starter (up to $10M invoiced a year) to Enterprise. source
Fit
B2B mid-market; Xero and QuickBooks Online on every plan, NetSuite and Sage Intacct from Grow. source
Limits
  • Sage 50 and Sage 200 are not listed; Business Central is "Coming soon". source

Gaviti

What it does
An invoice-to-cash platform for B2B companies on terms: collections, disputes, promise to pay and a customer portal. source
Price
Not published; usage-based, not per user, unlimited users. source
Fit
Mid-market; direct connections to NetSuite, Sage Intacct, QuickBooks Online, Xero, Priority and Zoho Books; four to six week average rollout. source
Limits
  • Sage 200cloud appears on its ERP index page but not in the help-centre list of direct connections; Sage 50 and Business Central are not named. source

Quadient AR

What it does
Formerly YayPay: invoice delivery, AI-prioritised collections and ERP connection, sold beside Quadient's AP automation. source
Price
Not published; quote-based by size and AR complexity. source
Fit
Mid-market groups with subsidiaries, on Sage Intacct, Sage X3, Sage 300, NetSuite, Microsoft Dynamics, SAP, QuickBooks or Xero; 72-day average implementation. source
Limits
  • Sage 50 and Sage 200 are not listed for AR; Business Central is covered only as "Microsoft Dynamics". source

What buyers say in reviews

Software Advice reviews, read in full on 9 November 2026. Several are from 2017 to 2020 and the vendors may have fixed these since; they are still the right questions to ask in a demo.

Chaser

“Cost for the collections add on - way too high”
Reviewer in environmental services, 51-200 employees, Software Advice, December 2020. Read the review

Chaser

“like least about updating contact details that even being added from Xero we still have to go to Chase to tick every new contact on that customer to be on list of chasing reminders.”
Reviewer in marketing and advertising, 2-10 employees, Software Advice, December 2020. Read the review

Chaser

“When our clients respond to chaser emails, we cannot reply directly. We have to re-type their address in order to send a response to them and sometimes I forget to do so which results in a bounce back.”
Reviewer in IT and services, 11-50 employees, Software Advice, December 2020. Read the review

Chaser

“The system currently only allows notes to be made on the individual invoices and not on a client as a whole, which can result in the need to duplicate the same note for multiple client invoices manually.”
Reviewer in accounting, 11-50 employees, Software Advice, June 2017. Read the review

Upflow

“The only issue I have with Upflow is that our customers/agents often perceive my emails as a spam, seeing that my address is different: reminders@upflow.io”
Reviewer in transportation, 1001-5000 employees, Software Advice, March 2020. Read the review

Gaviti

“The main drawback for me was the initial setup and learning curve. Configuring workflows and reports to match more complex customer requirements took some time”
Reviewer in accounting, 51-200 employees, Software Advice, December 2025. Read the review

Our read

If price is the reason, the cheapest published plans are Satago (£45), Paidnice (£49) and Credit-IQ (£55 plus VAT). Check what each counts: Satago caps reminders, Paidnice and Credit-IQ cap invoices, Chaser caps users on Compact.

If approval is the reason, Paidnice is the only tool here where a person approving each drafted reply is the default. Chaser drafts AI replies you send with one click. Kolleno and Upflow let you choose how far the AI goes, and sell autonomy as the next step.

If your accounting system is the reason, look at the Sage rows first. Sage 50 and Sage 200 are where most UK and Irish mid-sized firms are, and where this market is thinnest: Chaser and Satago name Sage 50; Chaser and, on its index page, Gaviti name Sage 200.

If disputes are the reason, Paidnice and Upflow say a dispute stops the chase on its own. Chaser, like most, pauses by hand.

When a tool isn't enough

Most businesses looking for a Chaser alternative should buy one of the tools above. Where the ledger, the disputes or the approval rule fit none of them, we build a collections queue on your own data instead.

Sage 200 or two ledgers

A group on Sage 200 in one company and Xero or Business Central in another ends up with one tool per ledger. We read every ledger read-only into one queue, ranked every morning.

Every email approved, as a rule

Each chase is drafted at the right stage and waits for a person. Auto-send exists only for a template an admin switches on. A €30M rental group with a one-person AR team runs this across 1,080 open invoices.

Disputes that arrive through operations

Replies are read and sorted: paid, promise, dispute, query, bounce. A dispute stops the chase and goes to the account owner with the thread attached; a broken promise escalates on rules you set.

Irish and UK late-payment rules

Statutory interest in Ireland is 10.4% from 1 July 2026; in the UK, 8% plus the Bank of England base rate. The queue can work it out per invoice for a person to decide whether to claim.

Proof, not promises: 1,080 overdue invoices, chased automatically by AI · $11.8M in receivables, collected systematically · AR demo on fictional data · Accounts receivable automation

Not sure whether a tool or a build fits?

Thirty minutes with a Chartered Accountant who builds this software for a living. If one of the tools above is the right answer, we will say so.

How this page was put together

Every claim about a product was read on that vendor's own website or official documentation on 9 November 2026, and the page it came from is linked beside it. Review sites, blogs and our own memory were not used as sources. Where a vendor does not publish something, the table says “Not stated” rather than guessing.

The buyer quotes are opinions, not facts about the product. Each was read in full on Software Advice, Gartner Peer Insights or TrustRadius and is attributed to the site, the reviewer as the site describes them, and the date.

Prices are the vendor's list prices on the date checked and change often; treat them as a starting point, not a quote. Fintask has no commercial relationship with any vendor on this page.

Re-checked against each vendor's site at least every six months. If you spot something out of date, tell us and we will fix it.

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Questions people ask

Is there a cheaper alternative to Chaser?

Yes, on published prices. Satago starts at £45 a month, Paidnice at £49 a month for 150 invoices, and Credit-IQ at £55 a month plus VAT for 100 invoices. Chaser starts at £199 a month for revenue under £4 million. Compare what each plan caps: users, invoices or reminders.

Which Chaser alternative is best for Xero?

Paidnice is built for Xero and QuickBooks Online and has a person approve each drafted reply by default. Satago and Credit-IQ are the cheapest scheduled chasing. Kolleno and Upflow suit bigger teams. Our Xero AR page compares nine Xero tools.

Is Chaser good for reducing DSO?

Chaser automates reminder schedules, reads replies with AI and pauses chasing on an expected payment date, which covers the routine part of collections. What moves DSO most is usually the blocked invoices: disputes, wrong POs, missing contacts. Check how each tool handles those before choosing.

Does Fintask sell a Chaser alternative?

No. We are not a tool and are not in the list above. When the ledger, the dispute process or an approval rule rules out every tool, we build a collections queue on your own cloud with your accounting system read-only. Minimum engagement $2,500; fixed price after a scoping call.