The five best Satago alternatives in 2026 are Paidnice, Chaser, in2 collect, Kolleno and Upflow. Paidnice is best for late fees per customer group on Xero or QuickBooks Online, from £49 (US$69) a month. None of the five lends against invoices, Kolleno is priced per user and Upflow by quote.
| Tool | Best for |
|---|---|
| Paidnice | a business on Xero or QuickBooks Online that wants late fees per customer group |
| Chaser | a UK team that wants Creditsafe checks and multi-channel chasing |
| in2 collect | a UK SME that wants AI chasing and Companies House risk scores |
| Kolleno | an AR team that needs cash application |
| Upflow | a team that wants collections analytics |
What does credit control software do?
Credit control software chases unpaid invoices for you. It connects to Xero, QuickBooks Online or another ledger, reads the open invoices and sends reminders on a schedule you set until each one is paid.
On the tools in this guide, that work covers:
- Reminders by email and SMS, with letters or calls on some tools
- Customer statements, alongside the reminders
- Late fees and interest, applied by the tool or sent as statutory interest letters
- Credit risk data, from Creditsafe, Companies House or a vendor’s own scores
- Cash application on Kolleno, and collections analytics on Upflow
Your accounting system stays the ledger: it keeps the invoice and the payment, and the tool reads it. Paidnice posts its late fees back into Xero or QuickBooks Online, so the charge lands on the customer’s account.
Credit control is separate from invoice finance. Satago is the one tool on this page that lends, advancing up to 90% of an invoice’s value. The five alternatives chase invoices without lending, so a business that relies on the funding needs a separate lender beside them.
Credit control software is also separate from a credit bureau. Some tools bundle credit data into the subscription and others leave it to a separate bureau, which matters if you use Satago’s credit reports today.
Reminders and statements alone are a full use case. Late fees, credit data and finance are layers you add when your ledger needs them.
How this list was put together
This list helps a UK business leaving Satago find a tool for chasing and credit data, knowing none of the five lends against invoices.
| What we checked | Where the evidence came from |
|---|---|
| Entry price and what it is metered on | The entry tier on each vendor's own pricing page, per month |
| Credit data | Vendor product pages for Creditsafe, Companies House and bureau scores |
| Chasing channels | Vendor feature pages |
| Late fees and statutory interest under the Late Payment of Commercial Debts (Interest) Act 1998 | Vendor help pages on fees and interest |
| Invoice finance | Vendor product pages |
| Xero App Store (UK) rating | The UK Xero App Store listing, with its review count |
Why do businesses look for a Satago alternative?
Satago sells automated payment chasing, credit risk insight and invoice finance together, and businesses leave it for one of three reasons.
They want more chasing channels or late fees than Satago’s tiers include. They want a bureau credit data source other than Satago’s credit reports. Or they do not use the invoice finance and want to pay only for credit control.
Satago is still sold by its parent, TruFin plc. In July 2024 Lloyds Bank gave notice to end its commercial agreement with Satago, which had offered Satago to Lloyds invoice finance customers (Finextra). Satago continues to serve its users.
How do Satago and its five alternatives compare?
Satago is the only one of the six tools that offers invoice finance, and entry prices run from £45 a month (Satago) to $650 per user a month (Kolleno), with Upflow now quote-only (Upflow's last published prices were $440 a month for Grow and $880 for Scale).
 |
 |
 |
 |
 |
 |
|
|---|---|---|---|---|---|---|
| Best for | Credit reports, chasing and invoice finance from one provider | Late fees per customer group on Xero or QuickBooks Online | Creditsafe checks and multi-channel chasing | AI chasing and Companies House risk scores | Cash application for an AR team | Collections analytics |
| Entry price | £45 a month (£25 inside Sage 50) | £49 / $69 a month | £199 a month | £79 a month | $650 per user a month | Quote only |
| Meter | Flat tier with credit report and reminder allowances | Invoices a month | Company turnover | Invoices a month on Starter | Per user, turnover bands from under £1m | Revenue and invoice volume |
| Credit data | Credit scores and credit reports (25 on Basic) | Yes: native checks from payment behaviour, plus Creditsafe via API on the Custom plan | Creditsafe checks and monitoring | Payment behaviour plus Companies House data | AI credit scores, bureau integrations | Light scoring |
| Chasing | Email; SMS on Premium and Platinum | Email and SMS | Email, SMS, letter, calls | AI email sequences; SMS on Growth | Email and SMS | Email, SMS, letter |
| Late fees | Optional, added to reminder emails | Late fees and interest per customer group, posted to the ledger | One set of late-fee rules across the account or for selected debtors, 4 calculation types | Statutory interest letters | None found | Via your ERP only |
| Invoice finance | Yes | No | No | No | No | No |
| Ledgers | Xero, QuickBooks, Sage | 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 and more | Xero, NetSuite | Xero, QuickBooks, Sage Intacct, NetSuite, SAP and more | Xero, QuickBooks, NetSuite, Sage Intacct |
| Xero App Store (UK) | 4.93 from 92 | 5.0 from 84 | 4.98 from 374 | None found | 5.0 from 18 | 5.0 from 1 |
| AI | None No AI feature found | Advanced Reads customer replies, drafts answers and follow-up actions (like PO updates) for your approval; MCP server for Claude, ChatGPT and other agents | Advanced Reads debtor replies, classifies them and drafts the answer; AI-written chasers | Advanced Insights, Copilot drafts and an autonomous Agent; AI agent support from Business Plus, fully automated agent runs and AP portal features billed separately by token use | Advanced Collections and cash application agents, from suggest-only to autonomous (Collections Agent from Scale, Cash Application Agent from Accelerate) |
The first column is Satago, as the baseline the five alternatives are measured against. Prices are the entry tier on each vendor’s own pricing page, per month. Satago and in2 collect prices are before VAT; other prices are as each vendor publishes them. Kolleno prints US dollar prices. Check current pricing with the vendor. No vendor paid to appear on this page.
Five of the tools on this page in four checked facts
- Four of the five print a monthly price: Satago from £45 (£25 inside Sage 50), Paidnice from £49 (US$69), Chaser from £199 and Kolleno from US$650. Upflow quotes.
- Each published price grows with something different: a flat tier (Satago), invoice volume (Paidnice), revenue band (Chaser) and users (Kolleno).
- Three of the five apply a late fee themselves: Satago (optional, added to its reminder emails), Paidnice (per customer group) and Chaser (one set of rules).
- AI that handles collections work or customer replies: Paidnice, Kolleno and Upflow. No AI in receivables: 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. in2 collect is not in our checked dataset yet.
1. Paidnice, best for customer-group late fees
Best for: A business on Xero or QuickBooks Online that wants late fees per customer group.
What is Paidnice best for?
For a business on Xero or QuickBooks Online that wants reminders, statements, and late fees or interest that differ by customer group and post to the ledger, from £49 a month.
- Fits
- Any size up to $50m a year, or 50,000 invoices a year
- Entry cost
- £49 (US$69) a month on Essentials for up to 150 invoices a month; Pro from £74 (US$99) a month for 300 invoices; Custom from £749. Priced by invoice volume.
- Replaces from Satago
- Chasing and late fees. Paidnice applies late fees and interest per customer group and posts them to Xero or QuickBooks Online.
- Credit data
- Yes: native checks from payment behaviour, plus Creditsafe via API on the Custom plan. On Essentials and Pro, pair it with a credit bureau if you rely on Satago’s credit reports.
- Rated
- 5.0 from 84 Xero App Store reviews
Limitations with Paidnice. Xero and QuickBooks Online on every plan. Newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo are available on every plan through Paidnice's closed testing program. Sage Accounting and other ERPs connect on the Custom plan.
Best suited for: A business on Xero or QuickBooks Online that wants reminders, statements and late fees or interest that differ by customer group, from £49 a month. It runs on Xero and QuickBooks Online on every plan; newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo are available on every plan through Paidnice's closed testing program, and Sage Accounting and other ERPs connect on the Custom plan.
2. Chaser, best for Creditsafe checks and chasing
Best for: A UK business under £10m turnover that wants Creditsafe checks and multi-channel chasing.
What is Chaser best for?
For a UK business under £10m turnover that wants Creditsafe credit checks, email, SMS, letters and calls, and a statutory interest charge in one tool, from £199 a month.
- Entry cost
- £199 a month on Compact (turnover under £4m, 4 users), £599 on Core (under £10m), £899 on Complete (under £100m).
- Replaces from Satago
- Chasing and credit checks. Chaser runs Creditsafe checks and monitoring, which gives a named bureau source. Chaser credit checks need Chaser billing, not Xero App Store billing.
- Late fees
- One set of late-fee rules, across the account or for selected debtors, not tied to schedules, with four calculation types including the Bank of England base rate.
- Rated
- 4.98 from 374 Xero App Store reviews
- Customers
- Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered.
Limitations with Chaser. The price steps with company turnover, and there is no documented way to run different late fee rules per customer group.
Best suited for: A UK business under £10m turnover that wants Creditsafe checks and email, SMS, letter and call chasing in one tool. The price steps with company turnover, and there is no documented way to run different late fee rules per customer group.
3. in2 collect, best for Companies House scores
Best for: A UK SME on Xero or NetSuite that wants AI chasing and Companies House risk scores.
What is in2 collect best for?
For a UK SME on Xero or NetSuite that wants AI-written chase sequences, a reply and dispute inbox, and customer risk scores built from Companies House data, from £79 a month.
- Entry cost
- £79 a month on Starter (up to 200 invoices a month), £179 on Growth (unlimited invoices, SMS, one-click pay links, credit scoring, 13-week cash forecast), £349 on Scale. 14-day free trial.
- Replaces from Satago
- Chasing and credit risk. It scores each customer on payment behaviour plus live Companies House data and suggests credit limits.
- Late fees
- Sends statutory interest letters.
- Rated
- None found on the Xero App Store (UK)
Limitations with in2 collect. Xero and NetSuite only. Credit scoring starts on the Growth tier.
Best suited for: A UK SME on Xero or NetSuite that wants AI-written chase sequences and Companies House risk scores, from £79 a month. It connects to Xero and NetSuite only, and credit scoring starts on the £179 Growth tier.
4. Kolleno, best for cash application
Best for: An AR team on NetSuite, SAP or Sage Intacct that needs cash application.
What is Kolleno best for?
For an AR team that spends its time matching payments to invoices on a larger ledger such as NetSuite, SAP or Sage Intacct. Auto-reconciliation is on Enterprise only, by quote; BusinessPay at $650 per user a month does not include it.
- Entry cost
- $650 per user a month on BusinessPay for turnover under £1m; $1,245 per user on Business Plus, minimum two users. Default 24-month term, renews for 12 months, 90 days' notice, fees non-refundable.
- Replaces from Satago
- Chasing and credit risk, with AI credit scores and bureau integrations. Adds AI cash application that matches payments to invoices; auto-reconciliation starts on Enterprise, not Business Plus.
- Late fees
- None found in its documentation.
- Rated
- 5.0 from 18 Xero App Store reviews
- Customers
- Named on its website: Wise, Marshmallow and Laundryheap. Laundryheap's case study reports 94% of payments collected on time.
Limitations with Kolleno. Priced for an AR team, so one user costs more than every Satago tier.
Best suited for: An AR team on NetSuite, SAP or Sage Intacct that spends its time matching payments to invoices. At $650 per user a month one user costs more than every Satago tier, and no late fee function is documented.
5. Upflow, best for collections analytics
Best for: A finance team that wants collections analytics and accepts a quoted price.
What is Upflow best for?
For a finance team that wants to measure DSO and collection effectiveness, bills through Stripe Billing, Chargebee or Zuora, and accepts a quoted price.
- Entry cost
- Upflow's last published prices were $440 a month for Grow and $880 for Scale. Current prices are hidden and must be requested from Upflow. The free Discover tier gives analytics only. Upflow takes payments through its optional Payments add-on: $390 a month platform fee, 3.5% + $0.30 per card payment, 0.8% capped at $5 for ACH.
- Replaces from Satago
- Chasing, with deeper analytics: DSO against best possible DSO and a collection effectiveness index.
- Late fees
- No native late fees; Upflow documents applying them in the ERP.
- Rated
- 5.0 from 1 Xero App Store review
- Customers
- Named on its website: Lattice. Lattice's case study reports 99% automatic collection after 18 months.
Limitations with Upflow. No bureau credit data, and its last published price ($440 a month for Grow) is now hidden, so request a quote.
Best suited for: A finance team that wants to measure DSO and collection effectiveness, and bills through Stripe Billing, Chargebee or Zuora. It has no bureau credit data, and its last published price ($440 a month for Grow) is now hidden, so request a quote.
What if you use Satago for invoice finance?
None of the five Satago alternatives lends against your invoices.
If you use Satago’s invoice finance, which advances up to 90% of an invoice’s value, you need a separate invoice finance provider, such as your bank or a specialist lender, alongside the credit control tool you choose.
Check with the lender whether it connects to your accounting system, because the finance and the chasing will then run in two separate products. Satago offers credit reports, chasing and invoice finance from one provider, from £45 a month; consider Paidnice for the chasing beside a separate lender.
Which Satago alternative fits your use case?
Start from what you use Satago for today. Each row names the tool to look at first and the reason, using the facts in the entries above.
| Use case | Start with | Why |
|---|---|---|
| Late fees or interest that differ by customer group, on Xero or QuickBooks Online | Paidnice | Applies them per group and posts them to the ledger, from £49 (US$69) a month |
| Credit checks with multi-channel chasing | Chaser | Creditsafe checks and monitoring, with email, SMS, letters and calls |
| A UK SME on Xero that wants risk scores on a budget | in2 collect | Companies House risk scores from the £179 Growth tier, with Starter at £79 |
| Matching payments to invoices on NetSuite, SAP or Sage Intacct | Kolleno | AI cash application, which starts on the quoted Enterprise plan; entry plans start at $650 per user a month |
| Measuring DSO and collection effectiveness | Upflow | DSO against best possible DSO, quoted rather than priced |
| Invoice finance and chasing from one provider | Satago | None of the five alternatives lends against invoices; consider Paidnice for the chasing around a separate lender |
Questions about Satago alternatives
What a Satago user asks before moving the credit control: the best fit, the price, the cheapest option, invoice finance and Satago’s own future.
What is the best alternative to Satago?
It depends on what you use Satago for: Paidnice fits late fees by customer group and runs native credit checks on every plan, and Chaser (Creditsafe, from £199 a month) or in2 collect (Companies House data, from £79 a month) fit bureau credit checks plus chasing. Kolleno fits cash application and Upflow fits analytics. None of them offers invoice finance.
How much does Satago cost?
Satago costs from £45 a month (£25 inside Sage 50), with Premium at £80 and Platinum at £200. Basic includes 25 credit reports and 100 email reminders a month, and Premium 100 credit reports, unlimited email and 100 SMS a month.
Platinum adds unlimited credit reports under fair use, 1,000 SMS a month and an account manager, and invoice finance is priced separately.
Which Satago alternative is cheapest?
Of the alternatives with a published price, Paidnice’s Essentials tier starts at £49 (US$69) for up to 150 invoices, Chaser at £199 a month and in2 collect’s Starter tier at £79 for up to 200 invoices. For reference, Satago’s own Basic tier costs £45 a month.
Does any Satago alternative offer invoice finance?
No, Paidnice, Chaser, in2 collect, Kolleno and Upflow do not lend against invoices. A business that uses Satago’s invoice finance, which advances up to 90% of an invoice’s value, needs a separate lender if it moves its credit control to one of these tools.
Which Satago alternative charges late fees or interest?
Paidnice applies late fees and interest per customer group and posts them to Xero or QuickBooks Online. Chaser runs one set of late-fee rules across the account or for selected debtors, not tied to schedules, with four calculation types, including the Bank of England base rate, and in2 collect sends statutory interest letters. Kolleno has none in its documentation, and Upflow documents applying fees in the ERP.
What happens to credit checks if you leave Satago?
Chaser runs Creditsafe checks and monitoring, and in2 collect scores customers on payment behaviour plus live Companies House data from its Growth tier. Paidnice runs native credit checks from each customer's payment behaviour, and Creditsafe bureau checks through the API on the Custom plan. On Essentials and Pro, pair it with a credit bureau if you need bureau reports.
Is Satago still available after Lloyds ended its agreement?
Yes, Satago is still available after Lloyds Bank gave notice in July 2024 to end its commercial agreement with Satago. Satago, owned by TruFin plc (about 97.7%, last seen) with Lloyds holding a minority stake, continues to sell and support its credit control, risk insight and invoice finance products.
To see where this tool sits in the wider market, the credit control software guide compares six tools on price, free trial, ledger and limits.
People also read
Comparison
Chaser vs Satago
Two UK credit control tools on price, channels and credit data.
Comparison
Satago vs Chaser vs Paidnice
Late fee grain, credit risk and pricing meter.
Buyer's guide
Best credit control software for UK SMEs
Statutory interest, chasing and credit risk compared.
Pricing
Credit control software pricing
Published prices and pricing meters, vendor by vendor.
Sources
6 sources, checked by Julie Turnbridge on November 3, 2026
- Finextra finextra.com/newsarticle/44456/trufin-shares-tank-as-lloy...
- 4.93 from 92 apps.xero.com/uk/app/satago
- 5.0 from 84 apps.xero.com/uk/app/paidnice
- 4.98 from 374 apps.xero.com/uk/app/chaser
- 5.0 from 18 apps.xero.com/uk/app/kolleno
- 5.0 from 1 apps.xero.com/uk/app/upflow
