--- type: Software Buyer's Guide title: 6 Best Chaser Alternatives and Competitors in 2026 description: Paidnice, Upflow, Satago, Credit Hound, Kolleno and ezyCollect compared as Chaser alternatives for 2026, ranked on enforcement grain, published price and verified reviews. resource: https://accounting.events/reviews/best-chaser-alternatives/ tags: [chaser alternatives, chaser competitors, chaser alternative, credit control software, debtor management software, invoice chasing software, accounts receivable automation] timestamp: 2026-08-27 --- **The six best Chaser alternatives in 2026 are Paidnice, Upflow, Satago, Credit Hound, Kolleno and ezyCollect, ranked on fit for a team leaving Chaser, whether the tool applies late fees and statutory interest itself, and published entry price. Prices from £20 per user a month.** Paidnice suits a Xero or QuickBooks Online business that wants the chasing plus a fee policy per customer group. Upflow suits a team that would rather measure collections than enforce them. Satago pairs credit reports and invoice finance with the chasing. Credit Hound is the Sage worklist. Kolleno covers cash application for order-to-cash teams, and ezyCollect covers Australian and New Zealand trade credit. Prefer to watch? The six replacements, in about the time it takes to read one entry. On Xero Small Business Insights data for June 2026, the wait to be paid in the United Kingdom is 29.3 days, down from 29.6, and the average invoice settles 8.3 days past due against 9.2 a year before. What a switching decision turns on is the sector line: a manufacturer waits more than twice as long as a hospitality business, on the same terms and the same software. ## Why teams leave Chaser: the three limits in the product Almost nobody lands here browsing. Chaser is the incumbent, with 374 Xero App Store reviews behind it and a feature surface most of its rivals do not match, so a reader on this page has usually decided already. Three limits do most of the deciding: one global late fee rule, monthly statements on a fixed day, and an entry tier priced on company revenue at £199 a month. Trading since 2014, Chaser rates 4.98 from 374 [Xero App Store](https://apps.xero.com/uk/app/chaser) reviews and 4.5 from 68 on [G2](https://www.g2.com/products/chaser/reviews). Reminders leave from the team’s own Gmail or Outlook mailbox, with SMS, posted letters and one-way automated calls behind them, a payer portal in front, Creditsafe credit reports inside and a referral to a collections partner at the end. Nothing below replaces all of that, which is the first thing worth knowing before you read the rest. The limits sit in the shape of the product rather than in its quality. The fee engine carries four calculation types, one of them indexed to the Bank of England base rate and recalculated daily, and then runs the result as a single rule that cannot vary by schedule or by customer group, raising nothing at all on invoices that are on a payment plan or have been part paid. Statements go out monthly, on a fixed day, and neither the recipients nor the senders can be changed. Payment plans split an invoice weekly through to yearly, and the chasing keeps following the original invoice due date instead of the instalment dates. Then the bill. Compact is £199 a month for turnover to £4m with four users, Core £599 to £10m and Complete £899 above that, and the entry price rose roughly four to five times when Chaser moved off its old invoice-volume tiers. A demo is required before you can buy. As at August 2026, verify current pricing. ## What you carry out of Chaser, and what you leave behind Four things in a Chaser instance are not features you can tick off a comparison table: the mailbox your reminders leave from, the Creditsafe report behind each customer, the channels billed by credit, and the managed service. Each one gets a different answer from each replacement. | What Chaser gives you | What happens when you leave | | Sending identity | Chaser sends from your own Gmail or Outlook mailbox on every plan, so replies land in an inbox somebody already reads. Paidnice sends from your authenticated domain, which keeps your address on the envelope and lets you point the replies wherever you want them. Satago’s standalone Basic tier sends from a Satago address, and your own inbox starts at the £80 Premium tier. Settle this before you look at features: a change of sending address is the one migration step your customers actually notice. | | Creditsafe credit reports | A score with a recommended limit, the customer’s payment score, credit event history, Companies House filing and director data, continuous monitoring and a Late Payment Predictor. Satago carries its own credit reports, scores and suggested limits; ezyCollect carries illion data for Australian and New Zealand buyers; Kolleno carries AI scores with bureau integrations. Paidnice and Credit Hound carry no bureau at all, so credit checking becomes a subscription of its own. | | Channels billed by credit | SMS, posted letters and one-way automated calls, metered, with the calls unavailable in New Zealand. Paidnice carries email and SMS. ezyCollect carries email, SMS, post, fax and call tasks, also metered. Credit Hound, Satago, Kolleno and Upflow narrow you towards email, and in Kolleno’s case letters and calls are not workflow actions at all. | | Chaser Care and the referral | The managed add-on from £324 a month, and the referral of uncollected debt to a partner. ezyCollect is the only alternative here with the same shape of escalation, sending in-app demand letters at A$49 each and referring to a partner agency from 25% of what is recovered. Satago answers the same problem from the other end, by financing the invoice rather than collecting it. Nothing else on this page replaces a person doing the chasing. | Two of those four cut a shortlist in half before price is discussed. If the credit report is what you actually use Chaser for, the list is Satago in the United Kingdom and ezyCollect in Australia and New Zealand, whatever the fee engines do. If Chaser Care is what you use, you are shopping for a supplier rather than for software, and the comparison below is the wrong one. And the migration cost nobody prints: your reminder schedules and your templates do not export. Every replacement here starts from a blank sequence, and the honest budget for rebuilding them is a working week of somebody’s attention rather than an afternoon. ## The six replacements at a glance Chaser is the first column, as the baseline everything else is read against. Only Paidnice applies UK statutory interest itself, and it does it per customer group. Satago and Credit Hound sit well under £199, Kolleno and Upflow sit above the UK SME band entirely, and ezyCollect is the Australian and New Zealand answer. | | [Chaser logo](#chaser) | [Paidnice logo](#paidnice) | [Upflow logo](#upflow) | [Satago logo](#satago) | [Credit Hound logo](#credit-hound) | [Kolleno logo](#kolleno) | [ezyCollect logo](#ezycollect) | | Revenue fit | £4m and under on the entry tier, tiers to £200m | $500k to $20m | ARR bands, under $10m to $50m and above | Not published | Not published | $1m turnover and above | Not published (200 to 3,000 debtors by tier) | | From (monthly) | £199 | £49 | Not published | £25 (inside Sage 50) | £20 per user (Sage 50) | $650 per user | A$275 on annual billing, plus A$900 setup | | Ledger integrations | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 | Xero, QuickBooks Online | Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora | Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent | Sage 50, Sage 200, Sage Intacct, Xero | NetSuite, SAP, Sage Intacct, Dynamics 365, Xero, QuickBooks Online | Xero, MYOB, QuickBooks Online, NetSuite, Sage 300, Sage Intacct, SAP Business One, Pronto Xi | | Late fee grain | Yes (one global rule) | Yes (per customer group) | No (via your ERP only) | Not verified | None found | None found | None found | | Statements | Yes (monthly, fixed day) | Yes (any schedule) | Not verified | Yes | None found | Yes (in the portal) | Yes (monthly) | | Payment plans | Yes (chased on the invoice due date) | Yes | No | Not verified | None found | Yes | Yes | | Portal | Yes | Yes | Yes | Not verified | No (PayThem payment links only) | Yes | Yes | | Credit checks | Yes (Creditsafe) | None found | Yes (light scoring) | Yes (credit reports and limits) | No (limits read from your ledger) | Yes (AI scores, bureau integrations) | Yes (illion data) | | Rated (source, count) | 4.98 (374, Xero App Store) | 5.0 (82, Xero App Store) | 4.8 (233, G2) | Not verified | 5.0 (11, Sage UK Marketplace) | 4.9 (99, G2) | 4.9 (35, Xero App Store AU) | | Last verified | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | The first column is Chaser, as the baseline the other six are measured against. "Not verified" means the capability could not be confirmed from the vendor's public materials. "Not published" means the vendor does not print a price. "None found" means no evidence either way. Prices are the vendor's published or last-verified from-price on the date shown. ## 1. Paidnice Best for teams leaving Chaser over the single late fee rule or the entry price, on Xero or QuickBooks Online ### What is it best for? For a Xero or QuickBooks Online business that wants the chasing Chaser does, with a fee and interest policy that varies by customer group instead of one rule for everyone. **Fits:** Businesses on Xero or QuickBooks Online from about £500k turnover, with the sweet spot between £1m and £20m, with or without a credit controller **Regions:** United Kingdom, Australia, New Zealand, United States, Canada, South Africa **Entry cost:** £49/mo on Essentials, US$69 in the United States, covering 150 invoices, 600 emails and up to 2 team members; Pro from £74/mo with unlimited users and no per-seat fee. As at August 2026, verify current pricing **Rated:** 5.0 from 82 [Xero App Store](https://apps.xero.com/uk/app/paidnice) reviews, verified 20 August 2026; 4.9 on [Capterra](https://www.capterra.co.uk/software/254868/paidnice), review count not published **Awards:** Winner, New Zealand Small Business App of the Year, Xero Global App Awards 2026; 2025 Xero Global Small Business App of the Year **Runs on:** Xero, QuickBooks Online, Stripe, Pinch Payments, CloudDepot, HubSpot, Pipedrive, Zapier. NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on the Custom plan only **Statutory late fees:** Yes. A Bank of England base rate toggle applies the base rate plus your own percentage, using the correct base rate for each period an invoice spans, and policies sit under customer groups so different groups run different rules at once **Does best:** Two charge types on the same customer group, an invoice late fee and a statement interest charge, both posted to the ledger Paidnice covers the chasing Chaser does, on the ledgers it supports: reminder sequences per customer group, statements on any schedule you choose including consolidated parent and child contacts, payment plans, escalations and a customer payment portal, with email and SMS leaving from your own authenticated domain. The reason a leaver usually ends up here is the fee. Chaser computes one rule for the whole ledger; Paidnice hangs its policies under customer groups, so the wholesale accounts, the retail accounts and the ones in dispute each carry their own rule at the same time. Statement interest is recalculated at the moment the statement sends rather than carried over from the last policy run, and the charge posts into the ledger as Draft or Approved, figured on the balance after any credit on the account. Two charge types can run on one group: a fee per overdue invoice, and an interest charge against the whole overdue balance. **Limitations with Paidnice.** Three things you use today do not come across. There is no credit report, so the Creditsafe job moves to a separate subscription. There is no collections referral. And the ledger list is narrower: Xero and QuickBooks Online natively, with NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central built to order on the Custom plan, where Chaser also reaches Sage and AccountsIQ. Essentials holds two team members against Compact’s four. On the review test it loses to the incumbent: 82 verified reviews against 374. ## 2. Upflow Best for a leaver whose real complaint is that nobody can see the collections function, ARR bands, no printed price ### What is it best for? For a team giving up a fee engine on purpose, because the argument it needs to win internally is about visibility rather than about enforcement. **Fits:** B2B finance teams that manage by metric, quoted in ARR bands: under $10m, $10m to $50m, and $50m and above **Regions:** New York head office, Paris origin, customers in 30-plus countries **Entry cost:** Not published. Upflow prints no figures and quotes by ARR band; the free Discover tier is analytics only and has to be arranged through sales. Third-party captures from 2024 put Grow at $440 a month and Scale at $880. As at August 2026, verify current pricing **Rated:** 4.8 from 233 [G2](https://www.g2.com/products/upflow-upflow/reviews) reviews; 4.5 from 15 on [Capterra](https://www.capterra.co.uk/software/193097/Upflow) · [Xero App Store listing](https://apps.xero.com/us/app/upflow) **Awards:** Not published **Runs on:** Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora **Statutory late fees:** No, via your ERP only. Upflow's own documentation points the job back to the ERP and there is no native computation **Does best:** Collections analytics, with countback DSO against best possible DSO, collection effectiveness and an at-risk rate above 90 days Upflow is a measurement layer with chasing attached, and its numbers are the clearest here: countback DSO set against best possible DSO, collection effectiveness, at-risk balances past 90 days and billing-cohort cash forecasting, on dashboards filtered by workflow, country or account manager and delivered by email on a schedule. The free Discover tier shows all of it and chases nobody. For a leaver it is a swap of enforcement for evidence. Chaser at least raises a fee, on one rule; Upflow raises none and points the calculation at your ERP, which a business on Xero or QuickBooks Online does not have. It also prints no figure at any tier, where Chaser prints all three, so you would be leaving a priced product for a quoted one. **Limitations with Upflow.** No native late fees at all. No instalment schedules, only part payments and promises to pay, which is thinner than the plans you already run. Automatic actions fire once a day, on business days only. Sending through your own SMTP switches off open and click tracking, and the QuickBooks link polls every five minutes with payments landing in Undeposited Funds for somebody to reconcile. Its credit scoring is light beside a Creditsafe report, and no price is published at any tier. ## 3. Satago Best for keeping the credit reports and adding a funding line, on Sage 50 or Xero, at an eighth of Compact ### What is it best for? For a business leaving Chaser mainly over price that still needs a bureau, and would rather finance an invoice than refer it to a collector. **Fits:** UK businesses in the Sage and Xero ecosystem. No revenue band published **Regions:** United Kingdom only **Entry cost:** £25/mo Standard and £45/mo Plus inside Sage 50, with Plus included on selected Sage 50 subscriptions; standalone £45/mo Basic, £80 Premium, £200 Platinum. As at August 2026, verify current pricing **Rated:** Not verified. No review score could be confirmed from a primary source at the August 2026 check **Awards:** Not published **Runs on:** Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent **Statutory late fees:** Not verified. No late-fee or interest mechanic is documented in the material checked, and feature verification is an open gap on this vendor **Does best:** Credit reports, customer credit scores and suggested credit limits bundled into the same subscription as the chasing, with invoice finance from the same provider Satago is the closest thing on this page to the credit-data half of Chaser, sold as one subscription covering automated chasing, customer credit scores and suggested credit limits, with single and full invoice finance from the same provider. Inside Sage 50 the embedded edition runs £25 a month on Standard, an eighth of Compact, and Sage states that Plus is included with selected Sage 50 subscriptions without naming which. The embedded bundle covers payment reminders, statements, customer grouping and scheduling. The lending is the part Chaser has no answer to. Where Chaser refers an uncollected debt to a partner and takes a share of the recovery at the end, Satago will advance against the invoice itself, before it is even late. What you give up is reach and evidence: the United Kingdom only, and a much thinner public record than the one you are leaving. **Limitations with Satago.** Basic caps you at 100 email reminders a month and sends from a Satago address, so the thing Chaser gives you on every plan, sending from your own inbox, starts at the £80 Premium tier. Two of the five tests cannot be applied to it at all: no late-fee or statutory-interest mechanic is documented, and no review score could be confirmed from a primary source. The footprint is the United Kingdom and nowhere else. ## 4. Credit Hound Best for a Sage credit controller who wants a call list rather than a fee engine, £20 per user ### What is it best for? For a Sage 50 or Sage 200 team whose people do the chasing and want a daily worklist behind them, at a price that makes the trade-off worth arguing about. **Fits:** Sage-first UK finance teams. No revenue band published; the product is priced per user **Regions:** Core market is the UK Sage channel, with Sage 50 connectors for UK and Ireland, the US and Canada, and pricing published in GBP, EUR, USD, CAD, AUD and ZAR **Entry cost:** £20 per user a month on Sage 50 and Sage Accounting; £51 for the first user then £35 each on Sage 200 and Xero; the PayThem payment module is £38/mo on top. As at August 2026, verify current pricing **Rated:** 5.0 from 11 reviews on the Sage UK Marketplace; 4.5 from a single review on [G2](https://www.g2.com/products/credit-hound), which is too small a base to read as a quality signal **Awards:** Not published **Runs on:** Sage Accounting, Sage 50cloud, Sage 100cloud, Sage 200 Standard and Professional, Sage Intacct, Infor SunSystems Cloud and Xero. No QuickBooks Online connector **Statutory late fees:** None found. No interest, late fee, surcharge or fixed-sum function appears in the vendor's product pages, cloud feature list, FAQs, product guide or Sage-hosted brochure **Does best:** Structured dispute management with automated follow-ups, and promise-to-pay tracking with a promised-cash view Credit Hound sells through the Sage reseller channel and answers a narrower question than Chaser does: not what to charge, but who to call this morning. A credit controller gets a task dashboard with reasons attached, promise-to-pay records rolling into a promised-cash report, dispute logging with reason codes, internal and customer-facing notes with automated dispute notifications, and automatic account freezes on overdue customers. Its prices are published openly, which is rare in that channel. Price is the headline. At £20 per user a month on Sage 50 it is a tenth of Compact, and its dispute and promise-to-pay workspace goes deeper than anything in the product you are leaving. Three things you have today are missing: statements, payment plans, and any fee mechanic at all. **Limitations with Credit Hound.** It chases and it does not charge. No interest, late fee, statutory interest or fixed sum appears in the product pages, the cloud feature list, the FAQs, the product guide or the Sage-hosted brochure, and nothing describes writing a charge back to the ledger, so a team leaving over the single global rule ends up with no rule. There is no QuickBooks Online connector. Payments are a separate £38 a month module. Per-user pricing on Sage 200 and Xero scales badly, and its entire public review base is 12 reviews against the 374 behind Chaser on the Xero App Store alone. ## 5. Kolleno Best for a leaver moving up rather than sideways, on NetSuite or SAP, $1m turnover and above ### What is it best for? For a team outgrowing Chaser rather than objecting to it, where the bottleneck has become matching incoming cash rather than sending the reminder. **Fits:** Order-to-cash teams above $1m turnover on the entry plan, with published tiers stepping at $10m, $100m and $1bn **Regions:** London head office, founded 2020, selling internationally **Entry cost:** $650 per user a month on BusinessPay, $545 on annual billing, minimum one user, for turnover above $1m; Business Plus $1,245 per user. As at August 2026, verify current pricing **Rated:** 4.9 from 99 [G2](https://www.g2.com/products/kolleno/reviews) reviews; 5.0 from 18 [Xero App Store](https://apps.xero.com/uk/app/kolleno) reviews; 5.0 from 8 on [Capterra](https://www.capterra.co.uk/software/227932/Kolleno) **Awards:** G2 Best Software Awards 2024 **Runs on:** NetSuite, SAP S/4HANA and Business One, Sage Intacct, Dynamics 365, Workday, Oracle JD Edwards, Epicor, Infor, Odoo, Zuora, Xero, QuickBooks Online **Statutory late fees:** None found. No feature page or help article documents a late fee or interest calculation **Does best:** Cash application, with email remittance parsing, BAI2, NACHA and ISO 20022 bank files, match scoring and NetSuite multi-currency journal entries Kolleno is a wider platform at several times the price, built around the one capability Chaser has never had: cash application. Remittance emails parsed into suggested matches, SFTP bank connections carrying BAI2, NACHA and ISO 20022 files, one-to-many and partial matching, credit-note offsets, and foreign exchange and bank-fee handling including NetSuite multi-currency journal entries. Its AI ships on every tier as insights, a copilot drafting messages for review, and an agent working a collections policy on its own. Read against Chaser that is a different purchase rather than a cheaper one. Chaser marks an invoice paid when the ledger says so; Kolleno reconciles the bank file that says so. Chaser raises a fee on one rule; Kolleno documents none, so UK statutory interest stays a job for a spreadsheet. **Limitations with Kolleno.** $650 per user a month above a $1m turnover floor puts it out of reach for most teams leaving a £199 entry tier, and the next tier nearly doubles it. No late fee or interest function is documented anywhere in its materials. G2 reviewers name navigation and reporting depth as the recurring complaints. Letters and calls are not workflow actions, so two of the channels you use today disappear. ## 6. ezyCollect Best for the ANZ like-for-like, with illion in place of Creditsafe and escalation in place of the referral ### What is it best for? For an Australian or New Zealand wholesaler on MYOB, Pronto Xi or SAP Business One that wants a risk score on a buyer, then chasing, demand letters and collections referral in the same platform. **Fits:** Receivables teams in Australia and New Zealand. Plans are sized by debtor count, 200 debtors on the entry tier up to 3,000. No revenue band published **Regions:** Australia and New Zealand core, with US ACH payments; part of Sidetrade since October 2025 **Entry cost:** A$275/mo on ezyStart with annual billing, about A$330 month to month, plus A$900 setup; ezyGrow A$950 and ezyScale A$2,350. As at August 2026, verify current pricing **Rated:** 4.9 from 35 [Xero App Store](https://apps.xero.com/au/app/ezycollect) AU reviews; 4.7 from 25 on [G2](https://www.g2.com/products/ezycollect/reviews); 4.9 from 12 on [Capterra](https://www.capterra.com/p/135729/ezyCollect/reviews/) **Awards:** None found **Runs on:** Xero, MYOB AccountRight, Exo, Essentials and Acumatica, QuickBooks Online, NetSuite, Dynamics, Sage 300, Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve **Statutory late fees:** None found. No late fee or interest function appears in the help centre or the relaunch materials; card surcharging is the only charge mechanic documented **Does best:** Credit Insights: a risk score on a trade buyer built from your own aged trial balance and terms plus illion external data, grouped into risk bands ezyCollect is the closest structural match to Chaser in this list: chasing by email, SMS, letter and call task, statements, payment plans, a customer hub for viewing and paying, credit risk data and an escalation path to a debt collector. It was acquired by Sidetrade in October 2025 and relaunched in July 2026 with an AI layer for collection prioritisation. What differs is the market and the meter. The credit data comes from illion rather than Creditsafe, which reads Australian and New Zealand trade rather than a Companies House view, and the extras are billed by use: SMS, mail and fax on top of the subscription, in-app demand letters at A$49 each plus GST, and an A$90 a month payment gateway fee before transaction rates. A British business leaving Chaser is unlikely to end up here; an Australian or New Zealand one may find it the only like-for-like on the page. **Limitations with ezyCollect.** No late fee or interest function appears anywhere in the help centre, so a team leaving over the single global rule gets no engine at all. The entry tier carries an A$900 setup fee and caps you at 200 debtors, three users and one workflow, against Compact’s four users. Customers past the end of a workflow receive no further automated follow-up. Reviewers report a quoted price well above the advertised one, and the public review base is thin and mostly predates 2024. ## Charging for late payment after Chaser: one rule against many Chaser already does this, which makes it the sharpest comparison on the page. It applies UK statutory interest as one global rule. Of the six alternatives only Paidnice applies it too, as a policy per customer group. Upflow hands the calculation to your ERP; Credit Hound, Kolleno and ezyCollect document no interest mechanic; Satago’s could not be verified. Start from what Chaser gets right, because most comparisons skip it. Its engine carries four calculation types, one indexed to the [Bank of England base rate](https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate) and recalculated daily, which is the arithmetic nobody wants to do by hand. Under the [Late Payment of Commercial Debts (Interest) Act 1998](https://www.legislation.gov.uk/ukpga/1998/20/contents) a UK supplier may charge 8% above that base rate on an overdue business-to-business invoice, plus a fixed sum of £40, £70 or £100 by the size of the debt. With the base rate at 3.75% in mid-2026 the total is 11.75% a year, and because it moves, a long-running invoice spans two or three rates and each stretch has to be prorated separately. Chaser does that correctly, every day. The failure is not the arithmetic, it is that there is only one of it. A single rule covers a customer you would never charge and a customer you always would. It raises nothing on an invoice sitting under a payment plan or part settled. And the line-item sync that writes the fee back into the ledger works on Xero only. Those three cases are exactly where a credit controller wants discretion, and discretion is the point of the whole exercise. A charge that has been raised can be waived deliberately, in writing, in exchange for payment today. A charge the rule was never allowed to raise gives you nothing to trade. ### The statutory position, and what may change Two charges a UK supplier can make today, and one that is still a proposal. **Statutory interest:** 8% above the Bank of England base rate, which is 11.75% in total at mid-2026. It moves with the base rate, so confirm the current figure before you invoice for it. [GOV.UK](https://www.gov.uk/late-commercial-payments-interest-debt-recovery/charging-interest-commercial-debt) **Fixed compensation:** £40, £70 or £100 per invoice depending on the size of the debt, claimable on top of interest. [GOV.UK](https://www.gov.uk/late-commercial-payments-interest-debt-recovery/claim-debt-recovery-costs) **Mandatory interest:** Proposed, not law. The Commercial Payments Bill would make statutory interest mandatory in commercial contracts rather than a default that can be contracted out of. Check its current stage before relying on it. ### What changes when the rule can vary Both products document a base rate calculation, so the argument is not whether the number can be produced. It is how many different answers you are allowed to hold at once. Chaser: one rule, applied everywhere - Four calculation types, base rate included - Recalculated every day the invoice runs late - The same answer for every account on the ledger - Silent on invoices under a plan, or part settled - Written back to the ledger as a Xero line item Paidnice: one rule per customer group - Base rate plus your own margin, period by period - Separate rules for separate groups, live at the same time - A per-invoice fee and a whole-balance charge together - Figured on the balance after credits are applied - Posted into the ledger as a Draft or Approved invoice The only two tools on this page that apply UK statutory interest, read against each other on grain. Credit Hound, Kolleno and ezyCollect document no interest mechanic at all, Satago’s could not be verified, and Upflow sends the calculation back to your ERP. What Chaser already computes, worked once. On £5,000 overdue for 45 days at 11.75%, statutory interest is £72.43 and the fixed sum is £70, so £142.43 is claimable in total. Set the amount, the days and the current rate on the page to price a real overdue account. The interest figure is the overdue amount times the rate, spread across the days it ran late. The fixed sum steps at £40 below £1,000, £70 to £9,999.99 and £100 from £10,000. The rate follows the Bank of England base rate, which moves, so confirm the figure on [GOV.UK](https://www.gov.uk/late-commercial-payments-interest-debt-recovery/charging-interest-commercial-debt) the morning you invoice for it. ## Your Chaser payment plans, and what happens to them on each tool You already run plans, and their weakness is one of the three limits at the top of this page: the chasing follows the original invoice due date rather than the instalment dates, and Chaser’s own documentation advises chasing the instalments by hand. So the test for a replacement is not whether it splits an invoice. It is whether the follow-up understands the split. Paidnice, Kolleno and ezyCollect all schedule instalments against an open invoice. Upflow does not, and no instalment function is documented for Credit Hound or Satago. Kolleno divides an invoice weekly, monthly or bi-monthly and ties its automations to the plan, with uneven totals split by hand. ezyCollect offers subscription, fixed-amount and fixed-count instalments from weekly to monthly, switched on by its support team rather than by you. Upflow records a promise to pay and takes ad-hoc part payments, which is a note rather than a schedule. The second thing to carry across is how the fee behaves around the plan. Chaser raises no charge at all on an invoice sitting under one, so today the plan is the way out of your fee policy rather than a step inside it. Ask any shortlisted vendor to demonstrate the fee engine and the schedule running together before you migrate a single customer. And keep the categories apart. An instalment plan leaves the receivable and the credit risk with you and only moves the dates. A finance provider settles the invoice and takes the risk on, which is what Satago sells beside its software. ## Replacing Chaser at your turnover, from £4m down and up Chaser’s own tiers are the map: Compact to £4m, Core to £10m, Complete above that. The replacement shortlist changes at every step, and the price gap is widest at the bottom. - **Under £1m.** You are paying an entry price set for a band four times your size. Credit Hound at £20 per user on Sage 50, or Satago at £25 embedded in Sage 50, if chasing is the whole job. Paidnice at £49 if the fee matters as much as the reminder. - **£1m to £4m.** The band Compact is built for, and where the comparison bites hardest. On Xero or QuickBooks Online, Paidnice is the like-for-like swap at roughly a quarter of what you pay now. On Sage 50, Satago is the answer, and it is the one that keeps the credit reports. - **£4m to £20m.** Chaser steps to £599 on Core here, which is where a lot of leavers first look up. Paidnice stays on flat invoice-volume tiers through the same growth. ezyCollect enters if your customers are Australian or New Zealand trade accounts. - **Above £20m.** Complete at £899 stops being the expensive option and starts being the cheap one. Kolleno if matching cash is the real bottleneck, Upflow if nobody can measure the collections function, and both are quoted rather than priced. ## Replacing Chaser on your ledger Chaser’s ledger list is among the widest in the category: Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, NetSuite, Dynamics 365, AccountsIQ and SAP. Whatever you run, something below matches it, but only two of the six match the breadth. - **Xero.** Paidnice, Upflow, Satago, Kolleno and ezyCollect all connect. Credit Hound does too, at £51 for the first user and £35 for each one after, which is where its per-seat model starts to bite. - **QuickBooks Online.** Paidnice, Upflow, Satago, Kolleno and ezyCollect. Credit Hound has no QuickBooks Online connector at all, which ends the conversation for a QuickBooks business. - **Sage 50 and Sage 200.** Credit Hound and Satago are the natives here, and both undercut Compact substantially. Paidnice does not reach Sage. - **MYOB, Pronto Xi and SAP Business One.** ezyCollect is built for these, with Kolleno covering SAP at the larger end. This is one of the few places where a replacement widens your options rather than narrowing them. - **NetSuite, Sage Intacct and SAP.** Kolleno and Upflow. Paidnice reaches NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on its Custom plan as a build rather than a connector. ## The bill after Chaser: £199 against the alternatives Compact is £199 a month, which is the number every price below is really being measured against. Published entry prices as at August 2026: Credit Hound £20 per user a month, Satago £25 inside Sage 50, Paidnice £49, ezyCollect A$275 on annual billing plus a A$900 setup fee, Kolleno $650 per user. Upflow publishes nothing. The unit matters more than the figure, and Chaser’s unit is why most people read a page like this. It bills on company turnover, so the invoice grows when the business grows rather than when the chasing does, which is the mechanic behind almost every price complaint about it. Credit Hound and Kolleno bill per user, so a credit control desk of three multiplies. ezyCollect bills on debtor count and adds a setup fee on top. Paidnice bills on invoice volume on a flat tier with no per-seat charge above the entry plan, which is the closest thing here to a like-for-like on shape as well as on features. The cheapest way into Satago is not the Satago app: it is the edition Sage embeds inside Sage 50, at an eighth of what you pay now. Two of the six will not give you a number without a conversation. Upflow removed its prices and quotes by ARR band, so the $440 and $880 figures in circulation are 2024 third-party captures rather than published ones. Satago publishes tier prices but not which Sage 50 subscriptions carry Plus for nothing. And before you compare any of it, add your credits: SMS, letters and calls are metered on your current bill, so a heavy month already costs more than the headline. ## What a Chaser leaver asks before switching The questions that come up in the fortnight before a contract ends: what the alternatives charge, which of them apply statutory interest, which ledgers they reach, and what happens to the credit checking. ### What is the best Chaser alternative in 2026? For a business on Xero or QuickBooks Online, Paidnice, because it applies statutory interest indexed to the Bank of England base rate as a separate policy per customer group where Chaser runs one global rule, from £49 a month against Chaser's £199. For a Sage 50 team, Satago at £25 a month or Credit Hound at £20 per user. Prices are as at August 2026; verify current pricing. ### Why do teams look for a Chaser alternative? Three structural limits come up most. The late fee engine runs one global rule that cannot vary by schedule or customer group, and raises no fee on payment-plan or partially paid invoices. Statements go monthly only, on a fixed day, with no control over recipients or senders. Payment-plan chasing follows the original invoice due date rather than the instalment dates. Price is the fourth reason: the entry tier is priced on company turnover and rose roughly four to five times when Chaser moved off its old invoice-volume tiers. ### Is there a cheaper alternative to Chaser? Yes. Chaser's entry tier is £199 a month for turnover to £4m. Credit Hound publishes £20 per user a month on Sage 50, Satago is £25 a month embedded in Sage 50 and £45 standalone, and Paidnice is £49 a month on Essentials. All figures as at August 2026; verify current pricing with each vendor. ### Which Chaser alternative applies UK statutory interest automatically? Paidnice. It runs a Bank of England base rate policy per customer group and posts the charge to the Xero or QuickBooks Online ledger as Draft or Approved. Upflow points the calculation back to your ERP, Credit Hound, Kolleno and ezyCollect document no interest function, and Satago's handling could not be verified. ### Do Chaser alternatives integrate with Xero and QuickBooks? Most do. Paidnice, Upflow, Kolleno, Satago and ezyCollect all connect to Xero, and all except Satago's Sage-embedded edition connect to QuickBooks Online. Credit Hound is Sage-first, connects to Xero at £51 for the first user, and has no QuickBooks Online connector. ### Which Chaser alternative has credit checking? Satago carries credit reports, customer credit scores and suggested credit limits in the same subscription as the chasing. ezyCollect uses illion data for Australian and New Zealand buyers, and Kolleno carries AI scores with bureau integrations. Chaser's own credit report comes from Creditsafe. Paidnice has none, so a team leaving Chaser for the credit checking should look at Satago first. ## How this shortlist was built, and by whom Accounting.Events publishes this page, and it is written for somebody already half way out of a Chaser contract. Nobody here has paid for a place on the list or a better position on it, and every figure carries the month it was last confirmed. The six were ordered on five tests, applied in this order to each of them: 1. **Does it do what your Chaser instance does today?** Chasing on a connected ledger, with statements, plans and a portal, in the market you sell into. 2. **Does it charge for late payment, and at what grain?** A fee or interest computed in the product without help from the ledger, and how many rules can run at once. 3. **Is the entry price below £199?** A published or verified figure, in the currency the vendor prints, with the date it was confirmed. 4. **Is the review base big enough to argue with 374?** A score is only useful with its count and its source attached. Where two land within a tenth of each other, the larger verified base goes above. 5. **Does the ledger list reach past the one you run**, given how wide Chaser’s already is? A capability that cannot be checked across all six is written into the entry that carries it rather than used to sort the list. Satago is the case on this page: neither its rating nor its late-fee handling could be confirmed from a primary source, so neither was scored. Prices come off each vendor’s own pricing page in the currency it is printed in, and none of them has been converted, which is why pounds, Australian dollars and US dollars sit in the same table. Ratings are taken from the Xero App Store, G2, Capterra and the Sage UK Marketplace with the count attached, because 11 reviews and 374 reviews are not the same evidence even when the score is. A vendor printing nothing gets a cell that records the absence. All of it was confirmed again in August 2026. ## Next, if you are still deciding Buyer's guide ### Best accounts receivable software (by business type) The pillar guide: pick by size and accounting system, with a recommendation matrix. Alternatives ### Best Upflow alternatives The best Upflow alternatives by business type. Alternatives ### Best Kolleno alternatives Five Kolleno alternatives compared by business type. United Kingdom ### Best credit control software for UK SMEs UK statutory interest, chasing and credit risk, compared.