The six best credit control software tools for UK SMEs in 2026 are Paidnice, Chaser, Credit Hound, Satago, Kolleno and Upflow, ranked on whether the tool applies UK statutory interest itself and at what grain. Prices from £20 per user a month.
Paidnice suits a Xero or QuickBooks Online business that wants base-rate interest applied per customer group. Chaser suits a team that wants Creditsafe credit checks in the same tool. Credit Hound suits Sage-first chasing. Satago pairs credit reports with invoice finance. Kolleno and Upflow serve larger order-to-cash and analytics teams.
Take one overdue invoice for £12,000, paid 104 days after its due date. At the mid-2026 statutory rate of 11.75% the interest on it comes to about £402, and the fixed sum on a debt that size is another £100. Barely any UK supplier ever raises either figure, because doing the arithmetic invoice by invoice is a job nobody has time for.
So this page is about the charge rather than the reminder. Six tools, and one question in front of all the others: does the software work out what UK law lets you charge and put it on the ledger, or does it send a chase and leave the maths on your desk?
What UK law lets you charge on a late invoice
The Late Payment of Commercial Debts (Interest) Act 1998 gives a UK supplier three things on an overdue B2B invoice: interest at 8% a year above the Bank of England base rate, a fixed sum of £40, £70 or £100 set by the size of the debt, and reasonable recovery costs above that fixed sum.
The entitlement arrives on its own. It holds where the contract says nothing at all about late payment, so a customer gains nothing by keeping the subject out of the terms. The fixed sum attaches to the invoice rather than to the account, which means a customer sitting on nine overdue invoices has run up nine fixed sums.
With the base rate at 3.75% in mid-2026 the statutory rate is 11.75%. It is not a constant. The rate follows the base rate, so the correct figure depends on when the debt was overdue rather than on the day you decide to invoice for it. Confirm the current number on GOV.UK before you charge.
Two charges you can raise today, and one that is only proposed
- Statutory interest
- 8% a year above the Bank of England base rate, so 11.75% at the mid-2026 base rate. Prorated across the days the invoice was actually late. GOV.UK
- Fixed compensation
- £40 on a debt under £1,000, £70 to £9,999.99 and £100 at £10,000 and above, per invoice, on top of the interest. GOV.UK
- Mandatory interest
- Proposed, not law. The Commercial Payments Bill would stop commercial contracts from contracting out of statutory interest. Check the bill's stage before you rely on it.
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.
Interest is the amount multiplied by the rate, apportioned over the days it was late. The fixed sum is £40 under £1,000, £70 to £9,999.99 and £100 at £10,000 and above. The rate moves with the Bank of England base rate, so check GOV.UK before you invoice for it.
The test we applied: can the tool raise the statutory charge itself
Five questions, asked of each tool in this order. They are all versions of one question, which is how much of the statutory calculation a person still has to do after the subscription starts.
- Does it work out the statutory rate on its own? A field where you type 11.75% is not the same product as a toggle that reads the base rate and adds your percentage to it.
- Does it use the right rate for each period the invoice spans? The statutory rate is set in six-month blocks, and a long-overdue invoice can sit in two of them.
- Can the rule differ between two customer groups? An export account on 60-day terms and a domestic account on 30 should not be forced onto one figure.
- Does the charge land on the ledger? A number quoted in an email reaches nobody's payables system. A raised document does.
- Is the entry price published, in pounds? Two of these six print figures a UK buyer cannot plan with, and the entries say so.
Ratings order nothing on their own here, they break ties. Two scores a tenth apart are not a real gap, so the larger review base takes the higher place: Chaser's 4.98 from 374 Xero App Store reviews sits above Paidnice's 5.0 from 82 wherever the statutory answers come out level.
UK credit control software compared: the table
Paidnice and Chaser are the two tools here that apply UK statutory interest themselves. Credit Hound and Satago are the Sage-channel options, and Kolleno and Upflow are mid-market platforms priced above the UK SME band.
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| Revenue fit | $500k to $20m | £4m and under on the entry tier, tiers to £200m | Not published | Not published | $1m turnover and above | ARR bands, under $10m to $50m and above |
| From (monthly) | £49 | £199 | £20 per user (Sage 50) | £25 (inside Sage 50) | $650 per user | Not published |
| Ledger integrations | Xero, QuickBooks Online | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 | Sage 50, Sage 200, Sage Intacct, Xero | Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent | NetSuite, SAP, Sage Intacct, Dynamics 365, Xero, QuickBooks Online | Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora |
| Late fee grain | Yes (per customer group) | Yes (one global rule) | None found | Not verified | None found | No (via your ERP only) |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | None found | Yes | Yes (in the portal) | Not verified |
| Payment plans | Yes | Yes | None found | Not verified | Yes | No |
| Portal | Yes | Yes | No (PayThem payment links only) | Not verified | Yes | Yes |
| Credit checks | None found | Yes (Creditsafe) | No (limits read from your ledger) | Yes (credit reports and limits) | Yes (AI scores, bureau integrations) | Yes (light scoring) |
| Rated (source, count) | 5.0 (82, Xero App Store) | 4.98 (374, Xero App Store) | 5.0 (11, Sage UK Marketplace) | Not verified | 4.9 (99, G2) | 4.8 (233, G2) |
| Last verified | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 |
"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 UK SMEs on Xero or QuickBooks Online, $500k to $20m
What is it best for?
For a UK business on Xero or QuickBooks Online that wants statutory interest applied per customer group without anyone doing the base-rate maths by hand.
- Fits
- UK 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, 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 reviews, verified 20 August 2026; 4.9 on Capterra, 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 is the enforcement layer on top of Xero and QuickBooks Online: reminder sequences per customer group, statements on the schedule you set including consolidated parent accounts, payment plans, and a customer payment portal. Reminders send from your own authenticated domain by email and SMS.
The base rate toggle is the part that matters for a UK ledger. It applies the Bank of England base rate plus your own percentage, and it uses the correct base rate for each period an invoice spans rather than today's figure across the whole overdue period. Your own percentage can be changed whenever you want, so the policy tracks the statutory block without anyone editing a rate by hand.
The charge is raised on the ledger as Draft or Approved, calculated on the balance net of any credit on the account, with compounding on by default and simple interest available as a deliberate choice. Statement interest recalculates at the moment the statement sends rather than at the last policy run, so the figure a customer opens is accurate that morning.
Limitations with Paidnice. The statutory machinery only reaches a UK business whose ledger is Xero or QuickBooks Online.
- A Sage 50 or Sage 200 company cannot buy it at all, and NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central are a Custom-plan build rather than a standard connector, so the base rate toggle is out of reach on those ledgers too.
- Some payment features differ between Xero and QuickBooks Online, the entry tier covers two team members, and there is no bureau credit check, so the tool enforces terms without helping you decide who should have had them.
- On the tie-break it sits behind Chaser, 5.0 from 82 against 4.98 from 374.
2. Chaser
Best for UK teams that want credit checking in the same tool, up to £4m on the entry tier
What is it best for?
For a UK finance team with a named credit controller that wants Creditsafe credit checks and multi-channel chasing running from one system.
- Fits
- UK-centred businesses with a named credit controller; the entry tier is priced for £4m turnover and under, and the tiers run to £200m, though Chaser’s own pricing page states £100m
- Regions
- UK-registered, trading since 2014, sells worldwide
- Entry cost
- £199/mo on Compact for turnover to £4m with 4 users; Core £599/mo to £10m; Complete £899/mo above that. As at August 2026, verify current pricing
- Rated
- 4.98 from 374 Xero App Store reviews; 4.5 from 68 on G2
- Awards
- Xero App Partner of the Year 2023
- Runs on
- Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, Sage Business Central, NetSuite, Dynamics 365, AccountsIQ, SAP, HubSpot, Gmail, Outlook
- Statutory late fees
- Yes. Four calculation types including a Bank of England base rate type, recalculated daily, but one global rule only, which cannot vary by schedule or customer group, and no fee is raised on payment-plan or partially paid invoices
- Does best
- Creditsafe credit checking and monitoring in the same tool as email, SMS and letter chasing
Chaser has been in the market since 2014 and sends reminders from the team's own Gmail or Outlook mailbox, adding SMS, letters, a payer portal and integrated collections through a partner.
It also carries a Creditsafe report in the app, which is covered in full on the credit control software comparison. On the statutory side, the base rate calculation type is recalculated daily, which is what keeps a moving rate current inside the tool.
Limitations with Chaser. One global rule means one statutory figure for the whole ledger, so an export account on longer terms and a domestic account on 30 days are charged identically, and there is no way to suspend the rule for a single disputed customer without switching it off for everyone.
- No fee is raised at all on an invoice that has been part paid or put on a plan, which are the invoices most likely to need one.
- Statements go monthly only, on a fixed day, Compact caps the team at four users, and the entry price is tiered by company turnover rather than invoice volume.
3. Credit Hound
Best for Sage-first UK finance teams, priced per user with no revenue band published
What is it best for?
For a Sage-first UK team that has decided the chasing matters more than the charge, and is content to raise any statutory figure by hand.
- 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, 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 is a worklist for the Sage channel, and on the question this page asks it answers no: nothing in its documentation computes interest, applies a fixed sum or writes a charge back to the ledger. Its strength is the controller's day rather than the charge, and that case is made in full on the debtor management comparison.
Limitations with Credit Hound. On the five questions at the top of this page it answers no to the first four.
- No interest, late fee, surcharge or fixed-sum function appears anywhere in its product pages, cloud feature list, FAQs, product guide or Sage-hosted brochure, and nothing describes writing a charge back to a ledger, so a UK business using it raises every statutory figure by hand.
- There is no QuickBooks Online connector, payments are a separate £38 a month module, the per-user price on Sage 200 and Xero climbs with the team, and the whole public review base is 12 reviews.
4. Satago
Best for Sage 50 and Xero teams that want credit data with their chasing, no revenue band published
What is it best for?
For a Sage 50 or Xero business that wants credit reports and invoice finance from the same provider that runs its chasing.
- 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 sells chasing and credit reports on one side and invoice finance on the other, and the cheapest sterling figure attached to it, £25 a month, belongs to the edition embedded in Sage 50 rather than to the app you can buy on its own. On statutory interest it is the one entry here that cannot be scored either way: nothing in the material checked documents a late-fee or interest mechanic, and nothing rules one out. The pricing and finance sides are covered on the credit control software comparison.
Limitations with Satago. It is the only entry here that cannot be scored on the statutory question either way, because nothing in the material checked documents an interest or late-fee mechanic and nothing rules one out; its review record could not be verified either. The standalone Basic plan caps email reminders at 100 a month and sends from a Satago address, with your own inbox starting at the £80 Premium tier, and the whole footprint is UK-only on both the software and the lending side.
5. Kolleno
Best for order-to-cash teams on NetSuite or SAP, $1m turnover and above
What is it best for?
For a UK arm of a group whose real problem is reconciliation rather than enforcement, and whose budget is quoted in dollars.
- 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 reviews; 5.0 from 18 Xero App Store reviews; 5.0 from 8 on Capterra
- 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 an order-to-cash platform whose depth sits in cash application and reconciliation, treated at length on the credit control software comparison. For a UK buyer reading this page the relevant fact is narrower: no feature page or help article documents a late fee or an interest calculation, so every statutory figure on a Kolleno ledger is worked out somewhere else and typed in.
Limitations with Kolleno. Nothing in its materials computes a charge, so on a UK ledger the interest, the fixed sums and the two-block arithmetic all stay with a person however sophisticated the reconciliation gets.
- The price is the other barrier: $650 per user a month against a $1m turnover floor, doubling on the second tier, in dollars rather than pounds.
- Reviewers name navigation and reporting depth as the recurring weak points.
6. Upflow
Best for analytics-led finance teams, ARR bands from under $10m to $50m and above
What is it best for?
For a UK finance team that wants to know what its collections performance actually is before it decides whether a statutory charge is the lever to pull.
- 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
- Rated
- 4.8 from 233 G2 reviews; 4.5 from 15 on Capterra · Xero App Store listing
- 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 measures collections rather than enforcing them, and its metric set is the reason to buy it; the Xero buying guide works through what those numbers are for. Its own documentation points late fees back to the ERP, so on the statutory test it scores a clear no rather than an unknown, which is more than can be said for two of the others here.
Limitations with Upflow. It answers the statutory question with a clear no rather than a maybe: its own documentation sends fees back to the ERP, so nothing here computes a base rate, prorates a period or raises a fixed sum.
- Instalment plans are absent too, leaving customer-initiated part payments and promises.
- Automatic actions run once a day on business days, sending through your own SMTP costs you open and click tracking, and no price is published at any tier, which makes the fifth criterion unanswerable as well.
When the statutory rate changes inside one invoice
Statutory interest is not quoted at today's rate. It is set in six-month blocks, and an invoice that runs longer than a few months can sit in two blocks at two different rates. Applying the current rate to the whole period gives the wrong number.
Take the £12,000 invoice from the top of this page, due on 20 May and settled on 1 September, 104 days late. Forty-one of those days fall in the block that closes on 30 June and sixty-three fall in the block that opens on 1 July. Suppose the earlier block carried 12.25% and the current one carries 11.75%.
at 12.25%
at 11.75%
One invoice, two statutory blocks. Charging the current rate across the whole 104 days understates the entitlement by £6.74 here, and overstates it when the rate has moved the other way.
Six pounds on one invoice is not the point. A hundred invoices in the same position is £674, and a charge computed on the wrong rate is a charge a customer's finance team can pick apart line by line, which is the outcome that actually costs you the money.
Two of the six deal with this without a person. Paidnice's base rate toggle applies the base rate plus your own percentage and uses the correct base rate for each period an invoice spans. Chaser recalculates its fee daily against a Bank of England base rate type, which keeps a moving rate current, though every customer sits under the same single rule. Credit Hound and Kolleno document no interest mechanic at all, Upflow points the job back to your ERP, and Satago's handling could not be verified, so on those four the two-block calculation is somebody's afternoon.
What the statutory charge is worth on a £48,000 ledger
Twelve overdue invoices averaging £4,000, all 60 days past due. Interest at 11.75% on £48,000 for 60 days is £927.12. Each of the twelve invoices sits in the £70 band, so fixed compensation adds £840. The claimable total is £1,767.12.
Now put the same £48,000 on one invoice, 60 days late. The interest is identical at £927.12, but there is one fixed sum rather than twelve, and it is £100. The total falls to £1,027.12.
That is the same money and the same delay, with £740 of difference between the two, all of it in the fixed sums. Fixed compensation rewards the supplier who bills in instalments and the supplier whose customer lets several invoices age together. It is the part of the entitlement most often left uncollected, because it has nothing to do with the interest rate and does not appear on any statement unless something raises it.
Against Paidnice at £49 a month or Chaser at £199, a single quarter on a ledger of that shape covers the subscription several times over, assuming you charge and the customer pays. That assumption is the whole argument, and it is why the record the charge leaves matters as much as the calculation.
What a late-fee record has to look like if anyone audits it
A statutory charge is worth what you can evidence. The difference between a fee that survives a challenge and one that quietly disappears is whether it exists as a document on the ledger or only as a sentence in a chasing email.
An email says a customer owes £402. It does not enter their accounts payable, it does not appear in their payment run, and it leaves no dated record on your side of what was charged, on which balance, at which rate. A charge raised as an invoice does all four, and it can be aged, reported and reconciled like anything else on the ledger.
The waiver matters as much as the charge. A fee you can point to is a fee you can drop deliberately, in writing, in exchange for payment this week. That trade only exists if the charge was raised in the first place, and a waived fee needs its own written record: what was charged, who agreed to remove it, and on what condition.
Of the six, Paidnice raises the charge on the ledger as Draft or Approved, so a controller can review the document before the customer sees it. Chaser syncs the fee as a line item, which is Xero-only. Credit Hound's documentation describes no route for writing a charge back to the ledger, and Upflow's points the job to your ERP, so on both the record is whatever your accountant builds by hand.
What UK credit control software costs, in pounds
Four of the six print a sterling entry price: Credit Hound at £20 per user a month on Sage 50, Satago at £25 inside Sage 50, Paidnice at £49 and Chaser at £199. Kolleno prints $650 per user. Upflow prints nothing at any tier.
The metric decides the bill more often than the headline does. Credit Hound and Kolleno charge per seat, so a three-person credit control function triples the invoice before anything is chased. Chaser steps by company turnover, so growth moves you up a tier whether or not your ledger got harder. Paidnice steps by invoice volume on a flat tier.
Satago's cheapest sterling figure belongs to a product a Xero business cannot buy. The £25 tier is the edition embedded in Sage 50, and Sage says Plus is included with selected Sage 50 subscriptions without publishing which ones, so the real cost sits somewhere between nothing and £45 until an account manager tells you.
Set any of those figures against the £1,767 the worked ledger above carries in statutory entitlement, and the arithmetic on the subscription stops being the hard part of the decision.
Questions UK buyers ask
The statutory questions that come up while a UK finance team is shortlisting: what the entitlement is worth, whether the contract has to mention it, and which of these six computes it without a person.
What can I charge on a late invoice in the UK?
On a B2B invoice, interest at 8% a year above the Bank of England base rate, which is 11.75% at the mid-2026 base rate of 3.75%, plus a fixed sum of £40, £70 or £100 set by the size of the debt, plus reasonable recovery costs above that fixed sum. Confirm the current rate on GOV.UK, because it moves with the base rate.
Does my contract have to mention late payment interest?
No. The entitlement under the 1998 Act applies where the contract is silent, so a supplier who never wrote a late payment clause can still charge. A contract can offer a substantial remedy of its own instead, which is a different question worth putting to a solicitor rather than to a software vendor.
Can the statutory rate change while one invoice is overdue?
Yes. The rate is set in six-month blocks, so an invoice overdue for more than a few months can span two blocks at two rates and the correct charge is prorated across each. Paidnice applies the correct base rate for each period an invoice spans; Chaser recalculates daily against its Bank of England base rate type. The other four leave that split to you.
Is the fixed sum charged once per customer or once per invoice?
Once per invoice. Twelve overdue invoices of £4,000 each carry twelve fixed sums of £70, which is £840, against a single £100 on one invoice for the same £48,000. It is the part of the entitlement most often left uncollected.
Which of these six computes UK statutory interest without a person?
Paidnice and Chaser. Paidnice runs it as a policy under a customer group and raises the charge on the ledger as Draft or Approved; Chaser runs one global rule, recalculated daily, which cannot vary by schedule or customer group and raises no fee on payment-plan or partially paid invoices. Credit Hound and Kolleno document no interest function, Upflow points the job back to your ERP, and Satago could not be verified either way.
What do these six cost in pounds?
Credit Hound £20 per user a month on Sage 50 and £51 plus £35 per extra user on Xero; Satago £25 embedded in Sage 50 and £45 standalone; Paidnice £49; Chaser £199 up to £4m turnover; Kolleno $650 per user; Upflow no published price. Figures as at August 2026 and worth re-checking with the vendor.
Is statutory interest about to become mandatory?
Possibly. The Commercial Payments Bill, introduced to the House of Lords in May 2026, would stop commercial contracts from contracting out of statutory interest. It is not law, implementation is not expected before 2027, and the bill's stage is worth checking before you build a policy around it.
How the statutory answers were checked
Accounting.Events publishes this page. Every price here is the vendor's own published figure, printed in the currency the vendor prints it in and checked in August 2026, and no vendor pays to appear or to be placed.
Statutory handling was read from each vendor's own product pages, help articles and pricing pages rather than from marketing claims about compliance. Where a vendor documents no interest mechanic, the entry says so. Where the material was too thin to settle the question, as with Satago's late fees and its review record, the entry says that instead of guessing, and neither was scored.
Ratings are quoted with the platform and the review count beside them, from the Xero App Store, G2, Capterra and the Sage UK Marketplace. They order nothing on this page beyond breaking a tie between two tools that answered the statutory questions the same way.
Next in this guide
Buyer's guide
Credit control software for Xero
The five decisions that produce a shortlist, in the order they should be taken.
Debtor management
Best debtor management software UK
The debtor workspace, statutory interest and credit risk, compared.
UK law
Late payment fees in the UK
The complete guide to the law, the rate and what is changing.
Alternatives
Best Chaser alternatives
What else raises a charge, if Chaser's single global rule is the sticking point.