The best credit control software in 2026 for a Xero or QuickBooks Online business of any size up to $50m a year is Paidnice, which applies late fees and interest per customer group. Large B2B credit teams buy credit management suites instead. This page compares credit control software for businesses collecting on credit they have already given.
- Best for credit decisioning and credit applications: Bectran and Onguard, enterprise platforms for a B2B credit team that approves applications, sets credit limits and blocks orders when risk changes.
- Best for bureau risk data: Creditsafe, Experian and Dun & Bradstreet, for a team that wants credit scores and reports to feed its own credit process.
- Best for credit inside an order-to-cash suite: HighRadius and Esker, for a large B2B team that runs credit management inside a wider order-to-cash platform on its ERP.
- Best for credit control after the sale: Paidnice, Chaser, CreditorWatch Collect, ezyCollect, Kolleno and Satago, for a business that chases invoices on its own ledger.
| Tool | Best for | Size fit | Works with | Price from (monthly) | Free trial | Watch out for | Rated (count, source) |
|---|---|---|---|---|---|---|---|
| 1. Paidnice | Paidnice fits a Xero or QuickBooks Online business that wants a late fee and interest charge per customer group, posted to the ledger | Any size up to $50m a year, or 50,000 invoices a year | Xero, QuickBooks Online; other ERPs on the Custom plan | £49 (US$69) | No timed trial; the first 20 actions are free, no card | No Sage 50 or Sage 200 connection; Sage Accounting and other ERPs on the Custom plan only | 5.0 (84, Xero App Store) |
| 2. Chaser | Chaser fits a team that wants Creditsafe credit checks and multi-channel chasing in the same tool, under £4m on the entry tier | Under £4m on Compact; tiers to £100m | Xero, QuickBooks, Sage, NetSuite, Business Central | £199 | 10 days (Xero App Store listing) | One set of late-fee rules for the account; statements monthly on a fixed day | 4.98 (374, Xero App Store) |
| 3. CreditorWatch Collect | CreditorWatch Collect fits an Australian business that wants part of the chasing done by people, pricing on request | Australian small and mid-sized businesses; no revenue band published | Xero, MYOB, QuickBooks Online | Last published listing price from A$175 on Capterra; current prices hidden, request a quote | 14 days | No late fee or interest; the Xero sync runs every 24 hours | 4.9 (91, Xero App Store AU) |
| 4. ezyCollect | ezyCollect fits an Australian trade or wholesale seller that wants credit screening with its collections | Australian and NZ trade and wholesale; banded by active debtors | Xero, MYOB, NetSuite, Sage 300, Sage Intacct, SAP Business One | A$275 for ezyStart (last published; current prices hidden, must be requested) | 14 days, no card | No late fee or interest; setup fee from A$900, SMS and mail charged on top | 4.9 (35, Xero App Store AU) |
| 5. Kolleno | Kolleno fits an order-to-cash team on NetSuite or SAP | Under £1m on BusinessPay; tiers to £1bn and above | NetSuite, SAP, Sage Intacct, Business Central, Xero, QuickBooks Online | $650 per user on BusinessPay; NetSuite, SAP and auto-reconciliation on Enterprise, by quote | No trial terms stated | No late fee or interest; the per-user price grows with the team | 4.9 (117, G2) |
| 6. Satago | Satago fits a Sage 50 or Xero team that wants credit reports and invoice finance with its chasing | No revenue band published | Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent | £45 (£25 inside Sage 50) | 14 days, on its credit control page | The Basic tier caps email reminders at 100 a month; SMS starts on Premium | 4.93 (92, Xero App Store) |
- Xero: how to choose a credit control tool for Xero
- QuickBooks Online: accounts receivable software for QuickBooks Online
- Business Central: AppSource apps and SaaS tools compared
- NetSuite: AR automation software compared on sync depth
- Credit control software for UK SMEs
- How to choose credit control software for Xero
- The credit control process
- Credit control software pricing
- Credit control software free trials compared
- Software or a debt collection agency
- How to automate credit control
- Outsourced credit control costs
- UK credit control statistics
Where a business trades changes how long it waits: a California small business waits 25.6 days to be paid, on Xero's latest US small business data. The US average sits at 29.7 days, settling 8.6 days past due.
Credit management software vs credit control software: what is the difference?
Credit management software decides whether a customer gets credit, and credit control software collects on the credit you have already given.
- Credit management: credit applications, a credit check against bureau data from Creditsafe, Experian or Dun & Bradstreet, a credit limit per account, and blocked orders when risk changes. A credit team runs it, often inside an ERP order-to-cash process.
- Credit control: reminders, statements, late fees and interest, payment plans and a customer payment portal, synced to Xero, QuickBooks Online, Sage or another ledger.
- Enterprise credit management:
- Both halves in one tool: Chaser, CreditorWatch Collect, ezyCollect, Kolleno and Satago add credit data to the chasing; Chaser charges per report and ezyCollect sells Credit Insights as a paid add-on. Paidnice runs native credit checks from each customer's payment behavior, and Creditsafe bureau checks through the API on the Custom plan.
Which credit control software fits your annual revenue?
Credit control software fits by annual revenue first, because most vendors gate their plans by turnover. The bands below use each vendor's own published gate, printed in the vendor's currency, so a tool appears in every band its plans cover.
| Annual revenue | Tools whose published gate covers it |
|---|---|
| Up to $1m | Chaser (Compact, under £4m turnover), Kolleno (BusinessPay, under £1m), Paidnice (any size up to $50m a year) |
| $1m to $10m | Chaser (Compact under £4m, Core under £10m), Kolleno (Business Plus, from £1m), Paidnice |
| $10m to $50m | Chaser (Complete, above £10m), Kolleno (Business Plus, to £100m), Paidnice (up to $50m a year, or 50,000 invoices a year) |
| Above $50m | Chaser (Complete, to £100m on its pricing page), Kolleno (Business Plus to £100m, then Enterprise), or the enterprise credit management platforms above |
| No revenue gate published | CreditorWatch Collect (quoted after a trial), ezyCollect (banded by active debtors), Satago (metered by credit reports and reminders) |
Credit Hound, a Sage-channel collections add-on from Draycir, costs US$25 to US$454 a month for the first user and rates 5.0 from 12 Sage UK Marketplace reviews. This page does not review it.
What is credit control software?
Credit control software chases and enforces the invoices you have already issued: reminder sequences, statements, late fees and interest, payment plans, a customer payment portal and a handoff to a collection partner. Some tools add a credit check before terms go out.
- It is not the ledger: invoices are still raised in Xero, QuickBooks Online or Sage.
- It is not a debt collection agency, which takes over once you decide the debt is not coming in and keeps a percentage of what it recovers.
- It is not invoice finance, although Satago sells both from one provider.
Xero files these apps under Debtor Management, FreeAgent calls it Credit Control, and enterprise vendors sell the same work as Credit Management or order-to-cash.
How much is a commercial late fee worth?
Outside the United Kingdom a late fee is contractual rather than statutory: a percentage of the overdue balance per month, commonly 1 to 2 percent, prorated over the days the invoice ran late.
The UK case is different and is covered on the UK credit control comparison.
On $10,000 overdue for 45 days at 1.5% a month, the late fee is $225.00, an annual equivalent of 18%, so $10,225.00 is due in total.
The fee is the overdue amount multiplied by the monthly rate, prorated over a 30-day month for the days it was late. Rate ceilings are set by local law and by your contract, so confirm both before you charge one.
How this list was put together
This list helps a business on Xero, QuickBooks Online or Sage choose credit control software that chases and enforces issued invoices.
| What we checked | Where the evidence came from |
|---|---|
| Revenue fit | Each vendor's pricing page and plan limits |
| Ledger integrations | Vendor integration pages |
| Late fee grain | Vendor help pages on fees and interest |
| Statements, payment plans and a portal | Vendor feature pages |
| Credit checks | Vendor product pages |
| Published from-price and rating | The vendor's pricing page, the last reported price where it is now hidden, and the Xero App Store or G2 rating with its review count |
How do these credit control tools compare?
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|---|---|---|---|---|---|---|
| Revenue fit | Any size up to $50m a year, or 50,000 invoices a year | Compact under £4m, Core from £4m, Complete to £100m on its pricing page | Not published (banded by debtor count) | Not published (banded by active debtors) | Under £1m on BusinessPay, tiers to £1bn and above | Not published |
| From (monthly) | US$69 | £199 | Not published | A$275 for ezyStart, setup from A$900 (AUD only; last published, current prices hidden and must be requested) | $650 per user | £45 (£25 inside Sage 50; GBP only) |
| Ledger integrations | Xero, QuickBooks Online and newer ledgers such as Rillet and Campfire (closed testing) on every plan; Sage Accounting and other ERPs on Custom | Xero, QuickBooks, Sage, NetSuite, Business Central | Xero, MYOB, QuickBooks Online | Xero, MYOB, NetSuite, Sage 300, Sage Intacct, SAP Business One; QuickBooks logo on homepage, no connector page | NetSuite, SAP, Sage Intacct, Business Central, Xero, QuickBooks Online | Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent |
| Late fee grain | Yes (per customer group) | Yes (one set of late-fee rules) | None found | None found | None found | Optional, added to reminder emails |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | Yes | Yes (monthly) | Yes (in the portal) | Yes |
| Payment plans | Yes (on Pro) | Yes | No (AutoPay recurring direct debit in the portal) | Yes | Yes | Not documented |
| Portal | Yes | Yes | Yes | Yes | Yes | Not documented |
| Credit checks | Yes: native checks from payment behavior, plus Creditsafe via API on the Custom plan | Yes (Creditsafe) | Yes (parent-side payment scores) | Yes (Experian data) | Yes (AI scores, bureau integrations) | Yes (credit reports, scores and suggested limits) |
| AI | Advanced Reads customer replies, drafts answers and follow-up actions (like PO updates) for your approval; MCP server for Claude, ChatGPT and other agents | None No AI feature found (risk ranking is rule-based) | Basic an AI email template generator as a paid add-on | Advanced Insights, Copilot drafts and an autonomous Agent; AI agent support is listed from Business Plus; fully automated agent runs and AP portal features are billed separately by token use | None No AI feature found | |
| Rated (source, count) | 5.0 (84, Xero App Store) | 4.98 (374, Xero App Store) | 4.9 (91, Xero App Store AU) | 4.9 (35, Xero App Store AU) | 4.9 (117, G2) | 4.93 (92, Xero App Store) |
"Not documented" means the vendor does not document it. "Not published" means no price is printed. "None found" means no evidence either way. Prices are the vendor's published from-price.
The six tools in five checked facts
- Four of the six publish a starting price: Paidnice from £49 (US$69), Chaser from £199, Kolleno from US$650 and Satago from £45. CreditorWatch Collect and ezyCollect quote.
- Each published price grows with something different: invoice volume (Paidnice), revenue band (Chaser), users (Kolleno) and a flat tier (Satago).
- Three of the six apply a late fee themselves: Paidnice (per customer group), Chaser (one set of late-fee rules) and Satago (optional, added to reminder emails).
- Five of the six connect to both Xero and QuickBooks Online; ezyCollect shows a QuickBooks logo on its homepage but no connector page.
- AI that handles collections work or customer replies: Paidnice and Kolleno. AI that scores or predicts only: ezyCollect. No AI in receivables: CreditorWatch Collect and Satago.
We checked each tool's own pricing, integration and help pages on October 26, 2026. "None found" in the data means the vendor's pages do not show the feature.
Prices are in US dollars wherever the vendor publishes one; Chaser and Satago (pounds) and ezyCollect (Australian dollars) stay in the vendor's currency. Nothing is converted.
1. Paidnice, best for customer-group late fees
Best for: Businesses up to $50m a year on Xero or QuickBooks Online that want late fees and interest applied per customer group, from £49 (US$69) a month on Essentials.
What is Paidnice best for?
Choose Paidnice if you run Xero or QuickBooks Online and want the fee and the interest applied per customer group and posted to the ledger, rather than another reminder.
- Fits
- Businesses on Xero or QuickBooks Online of any size, up to $50m a year or 50,000 invoices a year, with or without a credit controller.
- Regions
- United States, United Kingdom, Australia, New Zealand, Canada, South Africa.
- Entry cost
- £49 (US$69) a month on Essentials, covering 150 invoices, 600 emails and up to 2 team members; Pro from £74 (US$99) a month with unlimited users and no per-seat fee.
- Rated
- 5.0 from 84 Xero App Store reviews on the UK listing; 4.9 from 14 on Capterra.
- Awards
- Xero Global Small Business App of the Year 2025 and NZ Small Business App of the Year 2026.
- Runs on
- Xero, QuickBooks Online, Stripe, Pinch Payments, CloudDepot, HubSpot, Pipedrive, Zapier. Newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo on every plan through Paidnice's closed testing program. Sage Accounting, NetSuite, Sage Intacct, MYOB, Dynamics 365 Business Central, other ERPs and Creditsafe bureau checks on the Custom plan only.
- Late fees and interest
- Yes. Paidnice runs two charge types on the same customer group, an invoice late fee and a statement interest charge, both raised on the ledger as Draft or Approved. A Paidnice Bank of England base rate toggle indexes the rate for UK customers, and policies sit under customer groups, so different groups run different rules at once.
- Does best
- Ending the chase in a posted charge, so being late costs the customer something inside their own payables system.
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 on Pro and up, prompt payment discounts and a customer payment portal.
Email and SMS reminders run on every plan. Essentials sends from outbound@paidnice.com; payment plans and sending from your own domain start on Pro.
Statement interest recalculates at the moment the statement sends rather than at the last policy run, so the figure the customer opens is accurate that morning.
Limitations with Paidnice. Native to Xero and QuickBooks Online on every plan, with newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo available on every plan through Paidnice's closed testing program. Sage Accounting, NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central sit on the Custom plan as a build rather than a standard connector, and some payment features differ between the two ledgers. The entry tier covers two team members.
Paidnice's review base is smaller than Chaser’s, 84 reviews against 374.
Best Credit Control Software: Which Tool Fits Which Business (1:38)
Video chapters and transcript
- 0:00 Short answer
- 0:25 Six tools, alphabetical
- 1:07 What to look for
Credit control software: which tool fits which business? The right credit control software depends on how much of the job you want it to take over. Credit control covers the decision before the invoice, whether to extend terms at all, then the reminders, and then any charge for being late.
The six tools here take over different amounts of that work, so decide how much you intend to keep before you compare prices. Choose Chaser if you want Creditsafe credit checks and multi-channel chasing in one system. Choose CreditorWatch Collect if you are an Australian business that wants part of the chasing done by people.
Choose ezyCollect if you are an Australian trade or wholesale seller that wants to screen buyers before terms go out. Choose Kolleno if you run order-to-cash on NetSuite or SAP, at 1 million dollars turnover and above. Choose Paidnice if you are on Xero or QuickBooks Online and want a late fee and interest charge per customer group, posted to the ledger.
Choose Satago if you are on Sage 50 or Xero and want credit reports and invoice finance alongside chasing. Five things are worth checking. Credit assessment, a score and a suggested limit before terms go out.
Automated reminders by email and SMS. Enforcement, meaning a late fee or interest charge posted to the ledger. Integration with the system that holds your receivables. And a portal where customers can pay or start a plan.
2. Chaser, best for a named credit controller
Best for: Teams with a named credit controller.
Chaser is a credit control tool with Creditsafe credit checks and email, SMS, letter and call chasing, from £199 a month for turnover under £4m.
What is Chaser best for?
Choose Chaser if you have a named credit controller and want Creditsafe credit checks, email, SMS and letters running from one system.
- Fits
- Businesses with a named credit controller; Chaser's Compact tier is priced for turnover under £4m, Core from £4m, and the tiers run to £100m.
- Regions
- UK-registered, trading since 2014, sells worldwide.
- Entry cost
- £199/mo on Compact for turnover under £4m with 4 users; Core £599/mo under £10m; Complete £899/mo to £100m. Yearly billing is £179, £539 and £809 a month. Chaser Care, the managed service bundled with the software, starts at £899/mo on Compact.
- Rated
- 4.98 from 374 Xero App Store reviews; 4.3 from 71 on G2; 4.9 from 45 on Capterra, mostly dated 2020 to 2022.
- Awards
- Finalist, UK Small Business App Partner of the Year, Xero Awards 2023.
- Runs on
- Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, Sage Business Cloud Accounting, NetSuite, Dynamics 365 Business Central, AccountsIQ, SAP, HubSpot, Gmail, Outlook.
- Late fees and interest
- Yes. Chaser offers four calculation types, fixed through daily percentage and a Bank of England base rate type, recalculated daily, but one set of late-fee rules, across the account or for selected debtors, not tied to schedules. No fee is raised on payment-plan invoices, and Chaser's help says a late fee cannot be added or updated after a part payment when written to Xero.
- Does best
- Creditsafe credit checking and monitoring in the same tool as email, SMS and letter chasing.
- Customers
- Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered.
Chaser sends reminders from the team's own Gmail or Outlook mailbox, adding SMS, letters, a payer portal and integrated collections through a partner.
Limitations with Chaser. One set of fee rules works for a business selling into one market and breaks once a second market has different terms, because Chaser documents no way to run different rules per group.
Statements go monthly only, on a fixed day, and Compact caps the team at four users.
3. CreditorWatch Collect, best for a calling queue
Best for: Australian owners wanting a calling queue.
CreditorWatch Collect is a reminder and calling workflow with an optional paid human calling add-on (Call Assist) for Australian businesses, with no published software price after a 14-day trial.
What is CreditorWatch Collect best for?
Choose CreditorWatch Collect if you run an Australian owner-run business and want a calling queue, or actual people making the calls, on top of automated reminders.
- Fits
- Australian small and mid-sized businesses. CreditorWatch Collect publishes no revenue band; its historic tiers were banded by debtor count.
- Regions
- Australia and New Zealand, with escalation partners in the United Kingdom and United States. CreditorWatch Collect was founded in Christchurch in 2012 as Debtor Daddy, acquired by CreditorWatch in October 2022 and rebranded in March 2023.
- Entry cost
- Not published. The CreditorWatch Collect route is a 14-day trial for up to 50 debtors, then a quote from an account manager. CreditorWatch Collect's last published listing price, on Capterra, was from A$175 a month. Current prices are hidden and must be requested. Call Assist human calling is a paid add-on at A$195, A$495 or A$795 a month.
- Rated
- 4.9 from 91 Xero App Store AU reviews, many of them written before the rebrand; 4.5 from 13 on Capterra
- Awards
- None found.
- Runs on
- Xero on a 24-hour sync with a manual trigger, MYOB, QuickBooks Online, Zapier.
- Late fees and interest
- None found. Nothing on the CreditorWatch Collect features page, help center or FAQ documents a late fee or interest charge.
- Does best
- The human layer: a Call Console that builds the day's calling queue automatically, and Call Assist, a paid add-on in which trained local AR specialists make the calls on your rules and log every outcome.
CreditorWatch Collect escalation is a one-click handoff to debt collection and legal partners across Australia, New Zealand, the United Kingdom and the United States, commission-only on recovery, for undisputed debts over $500 and under two years old.
Limitations with CreditorWatch Collect. No late fee or interest, and no published software price at any tier. The Xero connection syncs on a 24-hour cycle rather than in real time.
There is no public API beyond Zapier.
4. ezyCollect, best for screening before terms
Best for: Australian wholesalers screening customers before terms.
ezyCollect is a collections platform with Experian credit screening for Australian trade and wholesale sellers, with last published prices of A$275 a month for ezyStart and a setup fee from A$900. Current prices are hidden and must be requested.
What is ezyCollect best for?
Choose ezyCollect if you run an Australian wholesale or distribution business on MYOB, Xero or SAP Business One and want customers screened before terms go out and chased consistently afterwards.
- Fits
- Australian and New Zealand trade, wholesale and distribution businesses. ezyCollect publishes no revenue band; its pricing is banded by the number of active debtors.
- Regions
- Australia and New Zealand primarily, with a United States payment option. ezyCollect was acquired by Sidetrade in October 2025 and relaunched in July 2026.
- Entry cost
- ezyCollect's last published prices were A$275 a month for ezyStart, with a setup fee from A$900. Current prices are hidden and must be requested. Last published on ezyCollect's pricing page, seen on the Wayback Machine. ezyStart covered up to 200 active debtors, 3 users and 1 workflow on a 12-month plan; month by month was 20 percent higher. ezyGrow was A$950 (up to 500 active debtors, 5 users, 3 workflows) and ezyScale A$2,350 (up to 1,500 active debtors, 10 users, 5 workflows). Prices exclude GST.
- Rated
- 4.9 from 35 Xero App Store AU reviews; 4.7 from 25 on G2; 4.9 from 12 on Capterra
- Awards
- None found.
- Runs on
- Xero, MYOB AccountRight, Exo, Essentials and Acumatica, NetSuite, Dynamics, Sage 300, Sage Intacct, SAP Business One, Pronto Xi, Attaché. QuickBooks logo on homepage, no connector page.
- Late fees and interest
- None found. No late fee or interest function appears in the ezyCollect help center or relaunch materials; card surcharging is the only charge mechanic documented.
- Does best
- Live credit intelligence from Experian applied to your own aged balances and terms, so a customer is screened before the terms are extended rather than chased after.
- Customers
- Named on its website: Feral Brewing, Hampers with Bite and Skillinvest. Feral Brewing's case study reports overdue accounts cut by over 50%.
In-app demand letters cost A$49 plus GST each, and beyond that the tool refers the debt to third-party collection partners on commission from 25 percent of amounts recovered.
No late fee or interest anywhere in the product. Pricing is banded by active debtors with the setup fee rising to A$3,900 on the higher tiers, and SMS, mail and fax are charged on top. Taking payments carries a monthly gateway fee of A$90 plus GST.
Customers who run past the end of a workflow receive no further automated follow-up. A Xero App Store reviewer reports the quoted price came in near three times the advertised rate, so get the quote in writing.
5. Kolleno, best for cash application first
Best for: Cash application and reconciliation over reminders.
Kolleno is an order-to-cash platform for NetSuite or SAP teams, from $650 per user a month on BusinessPay ($545 on annual billing).
What is Kolleno best for?
Choose Kolleno if your bottleneck is cash application and reconciliation rather than the reminder itself.
- Fits
- Mid-market and enterprise order-to-cash teams. Kolleno BusinessPay is for turnover under £1m, Business Plus £1m to £100m, Enterprise £100m to £1bn.
- Regions
- London-based, founded 2020, sells internationally.
- Entry cost
- $650 per user a month on BusinessPay with a one-user minimum, or $545 per user on annual billing; Business Plus $1,245 per user with a two-user minimum. Kolleno Enterprise tiers are quoted. Kolleno matches payments to invoices (auto-reconciliation) on Enterprise only, by quote; BusinessPay at $650 per user a month does not include it. BusinessPay and Business Plus connect Xero, QuickBooks Online and Sage Intacct; NetSuite, Business Central and SAP start on Enterprise. The default term is 24 months, renewing for 12, with 90 days' notice and non-refundable fees.
- Rated
- 4.9 from 117 G2 reviews; 5.0 from 18 Xero App Store reviews; 5.0 from 8 on Capterra
- Awards
- None found.
- Runs on
- NetSuite, SAP S/4HANA and Business One, Sage Intacct, Business Central, Workday, Oracle JD Edwards, Epicor, Infor, Odoo, Zuora, Xero, QuickBooks Online, Salesforce.
- Late fees and interest
- None found. No Kolleno feature page or help article documents a late fee or interest charge.
- Does best
- Cash application. Email remittance parsing, BAI2, NACHA and ISO 20022 bank files, match scoring, one-to-many matching, credit-note offsets and NetSuite multi-currency journal entries.
- Customers
- Named on its website: Wise, Deel and Laundryheap. Laundryheap's case study reports 94% of payments collected on time.
Limitations with Kolleno. No late fee or interest mechanic, so enforcement stays a manual job or an ERP one. Per-user pricing from $650 a month multiplies with the size of the team and sits above the small-business band. Reviewers report they cannot always find features, and ask for more customizable reporting.
6. Satago, best for credit scores and finance
Best for: Credit scores and optional invoice finance.
Satago is a credit reporting and chasing tool with optional invoice finance for Sage 50 or Xero teams, from £45 a month (£25 inside Sage 50), the vendor's published GBP price.
What is Satago best for?
Choose Satago if you run Sage 50 or Xero and want customer credit scores, suggested limits and optional invoice finance from the provider that runs your chasing.
- Fits
- UK businesses in the Sage and Xero ecosystem. Satago publishes no revenue band; its value metric is credit reports and reminder volume.
- Regions
- United Kingdom. Satago's footprint is UK-only on both the software and the lending side.
- Entry cost
- £25/mo on the Standard tier embedded in Sage 50 and £45/mo on Plus; standalone Basic £45/mo, Premium £80/mo, Platinum £200/mo. Satago Plus is included with selected Sage 50 subscriptions, and which ones is not published.
- Rated
- 4.93 from 92 Xero App Store reviews on the UK listing.
- Awards
- None found.
- Runs on
- Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent.
- Late fees and interest
- Optional. Satago adds an optional late fee to reminder emails, calculated in line with statutory limits, and does not document posting it to the ledger.
- Does best
- Pairing automated chasing with credit reports, customer credit scores and suggested credit limits, with invoice finance available from the same provider.
Satago is a hybrid: automated credit control on one side, single and full invoice finance on the other. Roughly half the public site serves the lending channel, so weigh Satago as a lender as well as a software vendor.
The standalone Basic tier caps email reminders at 100 a month and SMS starts only on Premium.
Which Sage 50 subscriptions include Satago's Plus tier at no extra cost is not published, so the real Satago price sits between nothing and £45 a month.
Which tools check credit before terms go out?
Chaser carries a full credit report, supplied by Creditsafe and sitting inside the app rather than behind a separate login. It holds a credit score with a recommended credit limit, the customer's own payment score, their credit event history, and Companies House filing and director data, with continuous monitoring layered on top. Chaser credit checks need Chaser billing, not Xero App Store billing; monitoring is not offered in Australia.
CreditorWatch Collect surfaces payment scores from its parent bureau, and ezyCollect applies Experian data to your own aged balances.
Kolleno scores with its own AI plus bureau integrations, and Satago meters credit reports, scores and suggested limits by tier. Where the AI drafts or runs the chase itself rather than scoring risk, see the AI collections software guide.
On the Custom plan Paidnice adds an in-app Creditsafe check with a score and a limit, monitoring with alerts, and automatic flags on new customers. A business can bring its own Creditsafe account or use access Paidnice supplies, billed by usage.
On Essentials and Pro there is no bureau check, so a business that screens new customers against bureau data on those plans needs a bureau alongside it.
When should you buy a calling team instead of a workflow?
Buy a calling team instead of a workflow when the automated sequence has hit its floor, somewhere past the fourth or fifth message.
Chaser Care, the managed service for Chaser, includes manual call hours, and CreditorWatch Collect sells a calling team as a paid add-on. Call notes push back into Xero, so the conversation lands on the ledger.
It is a staffing cost. Call Assist runs A$195 a month for 20 calls, A$495 for 150 or A$795 for 400, on top of the software quote that follows the 14-day trial. Compare that with the cost of a part-time credit controller, not with a software subscription.
How much does credit control software cost?
Credit control software on this page costs from £45 a month for Satago (£25 inside Sage 50) to $650 per user a month for Kolleno.
Kolleno charges per user, so a credit control team of three multiplies the bill before anything is chased. Chaser charges by company turnover, so the price steps up as you grow rather than as you use more.
ezyCollect charges by active debtors; its last published prices added a setup fee from A$900, and from A$3,900 on the plans above ezyStart. Paidnice is priced by invoice volume, not revenue: Essentials covers 2 team members, and Pro has unlimited users with no per-seat fee.
Chaser bills SMS, letters and calls as credits and prices credit checks per report. Paidnice bills Creditsafe usage on top of its Custom plan. Satago's entry tier includes three full credit reports a year, which is a different product from unlimited chasing.
Which credit control software fits your use case?
Start with the job you need covered, then check the ledger.
| Use case | Start with | Why |
|---|---|---|
| Xero or QuickBooks Online, late fees and interest per customer group | Paidnice | Fee and interest policies per customer group, posted to the ledger, from £49 (US$69) a month |
| Reminders and statements only, no late fees | Paidnice or Chaser | Both run reminder sequences and statements; Paidnice sends statements on any schedule, Chaser monthly on a fixed day |
| Credit checks in the chasing tool | Chaser | Creditsafe credit reports, monitoring and a recommended limit inside the app. Consider Paidnice for the chasing around it. |
| Australian business that wants people making the calls | CreditorWatch Collect | Call Assist puts trained AR specialists on the calls, from A$195 a month. Consider Paidnice for the chasing around it. |
| Australian trade or wholesale seller screening new accounts | ezyCollect | Experian credit data applied to your own aged balances. Consider Paidnice for the chasing around it. |
| NetSuite or SAP order-to-cash team | Kolleno | Cash application, remittance parsing and bank file matching on Kolleno Enterprise, by quote, which is also the tier where NetSuite and SAP connect. Consider Paidnice for the chasing around it. |
Which credit control software fits your country?
Credit control software for the United Kingdom, Australia and New Zealand has the most choice on this page, and each country has its own shortlist with local prices and ledgers.
| Country | Tools on this page built for it | Country shortlist |
|---|---|---|
| United Kingdom | Paidnice, Chaser, Kolleno (London-based) and Satago (UK only) | Credit control software for UK SMEs |
| Australia | Paidnice, CreditorWatch Collect and ezyCollect | Debtor management apps for Xero in Australia |
| New Zealand | Paidnice, CreditorWatch Collect and ezyCollect | Xero add-ons for chasing invoices in NZ |
| South Africa | Paidnice | Debtors management software for Xero in South Africa |
| United States | Paidnice | Accounts receivable software |
Chaser and Kolleno also sell internationally.
Which credit control software fits your business type?
Credit control software for a specific business type has its own shortlist on this site, with the tools compared for that sector.
| Business type | Shortlist |
|---|---|
| Accounting firms and bookkeepers | 5 tools for accounting firms and bookkeepers |
| Agencies | 5 tools for agencies |
| Construction and trades | 5 tools for construction and trades |
| Debt collection agencies | 5 tools for debt collection agencies |
| Law firms | 6 tools for law firms |
| MSPs | 6 tools for MSPs |
| Non-profits | 4 tools for non-profits |
| Property management | 5 tools for property management |
| Recruitment firms | 7 tools for recruitment firms |
| SaaS and subscription businesses | 5 tools for SaaS and subscription businesses |
| Wholesale and distribution | 5 tools for wholesale and distribution |
What do buyers ask before they shortlist?
What is the best credit control software?
Paidnice posts per-group late fees on Xero or QuickBooks Online, Chaser pairs Creditsafe checks with chasing, CreditorWatch Collect adds people making calls, ezyCollect screens Australian trade buyers, Kolleno handles cash application, and Satago adds invoice finance on Sage 50.
Which credit control tools apply a late fee automatically?
Paidnice and Chaser apply a late fee automatically. Chaser runs one set of late-fee rules, across the account or for selected debtors, not tied to schedules, raises no fee on payment-plan invoices, and its help says a late fee cannot be added or updated after a part payment when written to Xero; Paidnice runs a policy per customer group and raises the charge on the ledger as Draft or Approved. Satago adds an optional late fee to reminder emails; the others document no fee function.
Which credit control software works with Xero, QuickBooks and Sage?
Every tool here works with Xero. QuickBooks Online works with Paidnice, Chaser, CreditorWatch Collect and Kolleno, Satago lists QuickBooks, and ezyCollect shows a QuickBooks logo on its homepage but no connector page. Sage works with Chaser, ezyCollect (Sage 300, Sage Intacct), Kolleno (Sage Intacct) and Satago. Paidnice connects Xero and QuickBooks Online on every plan, newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo on every plan through its closed testing program, and Sage Accounting, Sage Intacct and other ERPs on the Custom plan.
How much does credit control software cost?
Credit control software on this page costs from £45 a month for Satago (£25 inside Sage 50) to $650 per user a month for Kolleno. Paidnice starts at £49 (US$69) a month and Chaser at £199.
What credit control software checks credit before terms go out?
Chaser, CreditorWatch Collect, ezyCollect, Kolleno and Satago carry credit data (Chaser per report, ezyCollect as a paid add-on), and Paidnice runs native checks plus Creditsafe on the Custom plan.
What software do finance managers use for credit control?
Finance managers at small and mid-size businesses use a credit control tool connected to their ledger. Large B2B finance teams use enterprise order-to-cash and credit management platforms such as HighRadius or Esker, inside the ERP.
Is credit control software the same as debt collection software?
No, credit control software is not debt collection software. Credit control works your own ledger and customers until you decide the debt is not coming in; a collection agency works it after that and takes a percentage. Several tools here refer the debt onward on commission.
Related comparisons
Buyer's guide
Best accounts receivable software
Where the same job is sold as accounts receivable automation instead.
United Kingdom
Best credit control software for UK SMEs
Statutory interest, chasing and credit risk, compared for the UK.
How-to
The credit control process
The steps from credit check to escalation, and who owns each one.
Measurement
Credit control metrics
What to measure before and after you switch a tool on.
Sources
16 sources, checked by Julie Turnbridge on November 3, 2026
- Xero Small Business Insights xero.com/us/resources/small-business-insights
- Xero App Store apps.xero.com/uk/app/paidnice
- Capterra capterra.com/p/254868/Paidnice
- Xero App Store apps.xero.com/uk/app/chaser
- G2 g2.com/products/chaser/reviews
- Capterra capterra.com/p/157101/CHASER
- Xero App Store apps.xero.com/au/app/creditorwatch-collect/reviews
- Capterra capterra.com/p/144647/Debtor-Daddy
- Wayback Machine web.archive.org/web/20240617113004/https://ezycollect.io/...
- Xero App Store apps.xero.com/au/app/ezycollect/reviews
- G2 g2.com/products/ezycollect/reviews
- Capterra capterra.com/p/135729/ezyCollect
- G2 g2.com/products/kolleno/reviews
- Xero App Store apps.xero.com/uk/app/kolleno
- Capterra capterra.com/p/227932/Kolleno
- Xero App Store apps.xero.com/uk/app/satago
