Credit control software costs from about £45 a month for a small business tool to £899 a month for a full UK credit control platform. Most small business tools with automated chasing publish prices between £45 and £200 a month.
Larger platforms charge per user or by revenue band, and several quote only. Xero and QuickBooks Online include basic invoice reminders at no extra cost.
In short
- Small business credit control: £45 to £199 a month to start (Chaser, in2 collect, Nagging Panda, Paidnice, Satago).
- Mid-market and enterprise platforms: $650 per user a month (Kolleno), A$275 a month last published (ezyCollect), Upflow ($440 and $880 a month, last published) and CreditorWatch Collect (from A$175 a month, last published listing price on Capterra), both now hidden, request a quote, or quote only (Invoiced, Tesorio).
What does each credit control tool cost?
Entry prices for the eleven tools run from £45 a month (Satago) to $650 per user a month (Kolleno), and five of the eleven publish no price.
Every price below is the entry price on the vendor’s own pricing page or its Xero App Store listing, per month and before add-ons. Prices are as each vendor publishes them. Tools are listed in no ranked order.
| Tool | Entry price | What the price counts | Higher tiers |
|---|---|---|---|
| Chaser | £199 a month (Compact) | Company turnover: under £4m on Compact, 4 users | £599 (Core, under £10m), £899 (Complete, under £100m), Custom above £100m |
| CreditorWatch Collect | From A$175 a month (last published listing price on Capterra). Current prices are hidden and must be requested. | Debtors: 50 on Small, up to 500 on Enterprise | Not listed |
| Paidnice | £49 (US$69) a month (Essentials) | Invoices: up to 150 a month | Pro from £74 (US$99) a month for 300 invoices, up to £599 for 4,000; Custom from £749 |
| ezyCollect | A$275 a month (ezyStart), last published; current prices are hidden and must be requested | Active debtors: up to 200 on ezyStart, 3 users | A$950 (ezyGrow), A$2,350 (ezyScale), ezyUltimate custom; setup from A$900 |
| in2 collect | £79 a month (Starter) | Up to 200 invoices a month | £179 (Growth, unlimited invoices), £349 (Scale) |
| Invoiced | Quote only | Not published | Not published |
| Kolleno | $650 per user a month (Business Pay) | Users: Business Pay for turnover under £1m and under 100 invoices | $1,245 per user (Business Plus, 2-user minimum); Enterprise custom |
| Nagging Panda | £150 a month (Small) | Company turnover: under £4m on Small, all features, unlimited users | £400 (Medium, under £10m), £750 (Large, under £100m), Enterprise custom |
| Satago | £45 a month (Basic; £25 inside Sage 50) | Credit reports and reminders included | £80 (Premium), £200 (Platinum) |
| Tesorio | Quote only | Not published | Not published |
| Upflow | Grow $440 / Scale $880 (last published), now quote-only, request a quote | Gross invoice value and invoice volume tiers, Starter up to $10m and 40,000 invoices a year | Four more tiers: up to $25m, $50m and $100m, then above $100m |
Kolleno shows prices in the visitor’s currency; the figures above are its US dollar prices. Upflow’s last published prices were $440 a month (Grow) and $880 a month (Scale); current prices are hidden and must be requested. Check current pricing with the vendor.
What do the price bands buy?
Credit control price follows what the tool does after an invoice goes overdue: small business credit control costs £45 to £199 a month, and platforms $650 per user or more. A credit control tool chases, escalates and often adds late fees. A platform adds cash application, forecasting and team workflows.
| Band | Typical monthly price | What you get | Examples |
|---|---|---|---|
| Built into your ledger | Included in the plan | Scheduled invoice reminders from Xero or QuickBooks Online | Xero invoice reminders, QuickBooks Online reminders |
| Small business credit control | £45 to £199 | Automated email and SMS chasing, customer portal, often late fees or credit checks | Chaser Compact, in2 collect, Nagging Panda Small, Paidnice, Satago |
| Mid-market credit control | £349 to £899 | Unlimited users, multi-entity, more channels, account management | in2 collect Scale, Chaser Core and Complete |
| AR platform | $650 per user and up, or quote | Cash application (at Kolleno, on Enterprise only, by quote), forecasting, AI agents, ERP integrations | Kolleno, Upflow, Invoiced, Tesorio |
How do credit control tools charge?
Credit control vendors use four meters: company turnover, invoice volume, users and quotes. The meter decides what you pay as the business grows.
- By company turnover (Chaser, Nagging Panda). The price steps up when annual turnover crosses £4m, £10m and £100m, even if the number of invoices stays the same.
- By invoice volume (Paidnice, in2 collect Starter). The price follows how many invoices you send each month.
- Per user (Kolleno). Each person on the AR team adds a seat, and each tier covers a turnover band.
- By quote (Upflow, Invoiced, Tesorio, ezyCollect, CreditorWatch Collect). The vendor sets the price after a sales call, usually by revenue or invoice volume band.
A flat tier with included credits (Satago) sits between these: the price is fixed, and the tier sets how many credit reports, SMS messages or schedules you get. Chaser vs Satago shows the flat tier against the turnover meter.
How much does credit control software cost for a small business?
A UK small business that wants automated chasing usually pays £45 to £199 a month for the entry tier, as the price table above shows.
The meter decides how each tool’s price changes as you grow: a turnover meter rises with revenue, and an invoice meter rises with invoice count. If you only need reminders, the ones built into Xero and QuickBooks Online cost nothing extra.
Is the software worth the price?
Credit control software is worth its price when it costs less than the staff time spent chasing by hand: 86 hours a year on average for a business affected by late payment, per London Economics for the UK government.
Late payment costs the UK economy almost £11 billion a year (GOV.UK). Enter your own quote, DSO and staff hours into the accounts receivable ROI calculator to get the payback in months.
The other side of the sum is what the software can recover. A UK supplier can claim statutory interest at 8% above the Bank of England base rate under the Late Payment of Commercial Debts (Interest) Act 1998.
With the 3.75% base rate fixed on 30 June 2026, that is 11.75% a year for invoices overdue by 31 December 2026 (the base rate rose to 4% on 5 November 2026), plus a fixed sum of £40, £70 or £100 per invoice. Tools that add this charge automatically can recover part of their own cost on accounts that pay late.
What costs are not in the headline price?
Five costs can sit outside a headline price: SMS and call credits, setup and onboarding, payment fees, extra entities and integrations.
- SMS and call credits. Chaser, Satago and Kolleno include a set number of SMS or calls per tier; more messages cost extra.
- Setup and onboarding. Some enterprise tiers include onboarding hours; others charge for implementation.
- Payments. Payment add-ons charge transaction fees. Upflow takes payments through its optional Payments add-on: $390 a month platform fee, 3.5% + $0.30 per card payment, 0.8% capped at $5 for ACH.
- Extra entities. Multi-entity support is often a higher tier or a per-entity add-on.
- Integrations. Kolleno’s pricing page last said that integrations, customisations and add-ons may carry extra charges, and its terms of service say usage above your plan allocation is invoiced as extra.
Common questions
How much does credit control software cost per month?
Credit control software costs from about £45 a month for a small business tool such as Satago to £899 a month for Chaser Complete. Most small business tools with automated chasing start between £45 and £199 a month. Platforms for larger AR teams charge per user, such as Kolleno at $650 per user, or quote only.
What is the cheapest credit control software?
The lowest-cost option is the reminder feature built into Xero or QuickBooks Online, which costs nothing beyond your accounting plan. Paid tools with automated chasing start at £49 (US$69) a month (Paidnice) and £45 a month (Satago).
Why do some credit control tools not publish prices?
Tools that sell to mid-market and enterprise finance teams, such as Upflow, Invoiced and Tesorio, price by quote. The quote usually depends on revenue band, invoice volume and integrations. Upflow last published $440 and $880 a month for its Grow and Scale tiers before it moved to quote-only pricing.
Is Xero’s invoice reminder feature free?
Invoice reminders are part of Xero’s invoicing features and cost nothing beyond the Xero subscription, against £45 to £199 a month for paid tools with automated chasing. They send scheduled emails before or after the due date. They do not add late fees, send SMS or escalate by customer group, which is the gap that paid credit control tools fill.
Do credit control tools charge by turnover?
Some credit control tools charge by turnover: Chaser and Nagging Panda price by company turnover, with tiers under £4m, £10m and £100m. Kolleno sets a turnover band on each per-user tier. Paidnice and in2 collect’s Starter tier charge by invoice volume instead, and Satago charges a flat monthly fee per tier.
No vendor paid to appear on this page. Prices change: check current pricing with the vendor before you buy.
For the six main credit control tools side by side, with prices, free trials and the main limit of each, see the credit control software comparison.
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Sources
4 sources, checked by Julie Turnbridge on November 6, 2026
- London Economics for the UK government assets.publishing.service.gov.uk/media/688a089a6478525675...
- GOV.UK gov.uk/government/news/largest-crackdown-on-late-payments...
- Bank of England base rate bankofengland.co.uk/monetary-policy/the-interest-rate-ban...
- Late Payment of Commercial Debts (Interest) Act 1998 legislation.gov.uk/ukpga/1998/20/contents
