The six best Upflow alternatives in 2026 are Paidnice, Chaser, Kolleno, Satago, ezyCollect and Invoiced, compared on whether each tool acts on an overdue invoice as well as measuring it. Paidnice is the pick for a Xero or QuickBooks Online team that wants late fees and interest applied per customer group.
Published entry prices start at £49 (US$69) a month, and two of the six publish nothing.
| Tool | Best for |
|---|---|
| Paidnice | A Xero or QuickBooks Online team that wants late fees and interest applied per customer group, any size up to $50m a year, or 50,000 invoices a year |
| Chaser | A team that wants Creditsafe credit checks and four chasing channels in one tool, under £4m on the entry tier |
| Kolleno | A team that wants dashboards close to Upflow's, plus cash application on Enterprise |
| Satago | A UK business on Sage 50 or Xero that wants chasing, credit reports and invoice finance at the lowest published price here |
| ezyCollect | An Australian or New Zealand trade business that wants Experian credit data, demand letters and an agency referral |
| Invoiced | A billing team on a mid-market ERP that wants billing, collections and payments on one platform |
On Xero’s latest US small business data, the average American small business waits 29.7 days for payment and its invoices still land 8.6 days after the due date.
What accounts receivable software is (and what it is not)
Accounts receivable software works the invoices your ledger already holds. It reads every open invoice in Xero, QuickBooks Online or an ERP and runs a schedule of actions against it until the customer pays.
Across the six tools in this guide, those actions cover:
- Reminders by email, with SMS, letters and call tasks on some tools
- Customer statements, on a fixed day or on your own schedule
- Late fees and interest, on the four tools that raise them
- A customer portal for viewing and paying invoices
- Payment plans with dated payments the software chases
- Reporting, from activity logs up to DSO and cash forecasting
It is not your ledger. The invoice, the payment and the aged receivables report stay in Xero, QuickBooks Online or the ERP. The software reads them and, where it raises a charge, posts that charge back as an invoice.
It is not a billing system, with one exception. Most tools here chase invoices that something else raised. Invoiced is the one that also does the billing.
It is not a debt collection agency or a lender. Chaser and ezyCollect can refer a debt to a partner agency, and Satago sells invoice finance beside its software, but both are services separate from the chasing.
How this list was put together
This list helps a team weighing Upflow find a tool that acts on an overdue invoice as well as measuring it.
| What we checked | Where the evidence came from |
|---|---|
| Late fee grain | Vendor help pages on fees and interest |
| Statements, payment plans and a portal | Vendor feature pages |
| Credit checks | Vendor product pages |
| Ledger integrations | Vendor integration pages |
| Published from-price | The vendor's pricing page, and the last reported price where it is now hidden; two of the six publish nothing |
| Rating and review count | The Xero App Store, including the Australian store, or G2 |
The four numbers Upflow put on your wall
Upflow is a measurement product with a chasing workflow attached, and the measurement is the deepest in this category: countback DSO set against best possible DSO, the collection effectiveness index, an at-risk rate for balances past 90 days, and billing-cohort cash forecasting, on dashboards you can slice by workflow, country or account manager.
The workflows underneath are multi-channel, with email, SMS, letter, call and task steps, a branded portal carrying saved payment methods, dispute tracking and customer-set promises to pay, and cash application run on rules and suggested matches, with a Cash Application Agent on Accelerate. 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. It carries 4.8 from 235 G2 reviews and 4.5 from 15 on Capterra, alongside a Xero App Store listing.
- Nothing is charged. No fee and no interest is computed in the product; its own documentation hands the job to your ERP. A customer who pays 40 days late pays exactly what a customer who pays on the day pays.
- No installment schedule. What the product records is a promise to pay and whatever part payment the customer chooses to make. There is no set of dated commitments for a workflow to chase.
- No figure on the pricing page. Five tiers are quoted by gross invoice value, from up to $10m through above $100m.
- The clock and the pipe. Automatic actions fire once a day, business days only. Send through your own SMTP server and open and click tracking switch off; the QuickBooks link polls every five minutes and drops payments into Undeposited Funds for somebody to reconcile.
What each number is worth once you can act on it
- Countback DSO
- Days sales outstanding calculated by counting backwards through recent revenue until the closing receivables balance is used up, instead of dividing receivables by an averaged month. It answers how many days of billing are sitting in the ledger right now, and it responds when invoices clear rather than when the month ends.
- Best possible DSO
- The same calculation run as though every customer paid exactly on terms. The distance between it and your real figure is the part of the wait you created rather than agreed to. Renegotiating terms lowers the floor, and collection work closes the gap above it.
- Collection effectiveness index
- What you actually collected in a period as a percentage of what was there to collect. A payment plan moves it, because a plan turns a stalled balance into dated installments that land inside the period.
- At-risk rate above 90 days
- The share of the ledger sitting past ninety days, which is the band where recovery rates start falling away. Reminders move it while balances are young. Past ninety days the levers are escalation, a plan or a referral, and a report records the slide rather than arresting it.
A late fee policy improves no metric directly, and no reporting layer attributes the effect cleanly.
Six replacements, on measurement and on action
 |  |  |  |  |  |  |
|
|---|---|---|---|---|---|---|---|
| Best for | The baseline: collections analytics with a chasing workflow | Late fees and interest per customer group, on Xero or QuickBooks Online | Creditsafe checks and four chasing channels in one tool | Dashboards close to Upflow, plus cash application | Chasing, credit reports and invoice finance on Sage 50 or Xero | Australian and New Zealand trade credit with Experian data | Billing, collections and payments on one mid-market platform |
| Revenue fit | Gross invoice value tiers, up to $10m through above $100m | Any size up to $50m a year, or 50,000 invoices a year | Compact under £4m, Core from £4m, Complete to £100m | Under £1m on BusinessPay, tiers to £1bn and above | Not published | Not published; the entry tier is sized at 200 debtors | Not published |
| From (monthly) | Not published | US$69 | £199 | $650 per user | £45 (£25 inside Sage 50) | A$275 on annual billing, plus setup from A$900 (last published; current prices hidden and must be requested) | Not documented |
| Ledger integrations | Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora | Xero and QuickBooks Online on every plan; newer ledgers such as Rillet, Campfire and Odoo on every plan through closed testing; Sage Accounting and other ERPs on Custom | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 Business Central | NetSuite, SAP, Sage Intacct, Business Central, Xero, QuickBooks Online | Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent | Xero, MYOB, NetSuite, Sage 300, Sage Intacct, SAP Business One; QuickBooks logo on homepage, no connector page | Xero, QuickBooks Online and Desktop, NetSuite, Sage Intacct, Business Central |
| Late fee grain | No (via your ledger only) | Yes (per customer group) | Yes (one set of late-fee rules) | None found | Optional, added to reminder emails | None found | Yes (flat or percentage, schedules by customer group) |
| Statements | Portal PDF statement, no scheduled send | Yes (any schedule) | Yes (monthly, fixed day) | Yes (in the portal) | Yes | Yes (monthly) | Not documented |
| Payment plans | No (part payments and promises to pay) | Yes | Yes | Yes | Not documented | Yes (enabled by support) | Not documented |
| Portal | Yes | Yes | Yes | Yes | Not documented | Yes | Yes |
| Credit checks | Yes (light scoring) | Yes: native checks from payment behavior, plus Creditsafe via API on the Custom plan | Yes (Creditsafe) | Yes (AI scores, bureau integrations) | Yes (credit reports and limits) | Yes (Experian data) | Not documented |
| AI | Advanced Collections and cash application agents, from suggest-only to autonomous (Scale plan and up; Cash Application Agent on Accelerate) | 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 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 | None No AI feature found | Basic an AI email template generator as a paid add-on | Advanced Agentic AI (Assist, Automate, Advise) and CashMatch AI matching | |
| Rated (source, count) | 4.8 (235, G2) | 5.0 (84, Xero App Store) | 4.98 (374, Xero App Store) | 4.9 (117, G2) | 4.93 (92, Xero App Store) | 4.9 (35, Xero App Store AU) | 4.5 (418, G2) |
"Not documented" means the vendor does not document the capability. "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.
The six tools in five checked facts
- Four of the six print a monthly price: Satago from £45 (£25 inside Sage 50), Paidnice from £49 (US$69), Chaser from £199 and Kolleno from US$650. ezyCollect and Invoiced do not print a price.
- Each published price grows with something different: a flat tier (Satago), invoice volume (Paidnice), revenue band (Chaser) and users (Kolleno).
- Four of the six apply a late fee themselves: Paidnice (per customer group), Chaser (one set of late-fee rules), Invoiced (flat or percentage, schedules by customer group) and Satago (optional, added to reminders).
- 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, Kolleno and Invoiced. AI that scores or predicts only: ezyCollect. 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.
1. Paidnice, best for customer-group late fees
Best for: Teams that want late fees and interest applied per customer group, any size up to $50m a year, or 50,000 invoices a year.
What is Paidnice best for?
For a business on Xero or QuickBooks Online that wants the overdue list acted on, with a fee policy per customer group and the charge posted back to the ledger.
- Fits
- Businesses on Xero and 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; £49 (US$69) and A$99 in local price tables, not converted; Pro from £74 (US$99) a month with unlimited users and no per-seat fee. Check current pricing with the vendor.
- Rated
- 5.0 from 84 Xero App Store reviews; 4.9 from 14 on Capterra · Xero App Store listing
- 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 closed testing. Sage Accounting, NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on the Custom plan only
- Late fees and interest
- Yes. Flat, percentage and compounding charges, with a Bank of England base rate toggle for UK invoices, raised on the ledger as Draft or Approved. Policies sit under customer groups, so several run 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 was built in 2022 around the charge rather than the chase.
Connect Xero or QuickBooks Online and it reads every open invoice against the policies you set, then runs reminders and statements from your own authenticated domain by email and SMS, statements consolidated across parent and child contacts, payment plans, a customer payment portal and escalation through manual task workflows. Payment plans and sending from your own domain start on Pro.
For a team coming off a reporting layer, the mechanic that matters is where the charge goes. It posts to the ledger as an invoice, Draft or Approved, so it reaches the customer’s payables, their aged payables report and their next payment run.
Statement interest is recalculated at the instant the statement sends instead of carrying forward from the last policy run, and it is figured on the balance after any credit on the account is taken off. Compounding runs by default; simple interest is a choice you make.
Paidnice says its AI reads incoming replies and drafts answers to them; every drafted reply waits for a person's approval before it sends.
Extra Xero or QuickBooks organisations come through a multi-entity add-on from US$29 each a month. Paidnice says its customers have half as many late invoices in the first 30 days.
Limitations with Paidnice. Reporting is the honest gap for this reader. There is no countback DSO, no best possible DSO and no collection effectiveness index, so the four numbers on your wall do not come across.
It is native to 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, NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central are built to order on the Custom plan rather than offered as connectors.
Essentials stops at two seats, 150 invoices and 600 emails a month.
2. Chaser, best for swapping reporting for bureau
Best for: Teams that want credit bureau data and four chasing channels, under £4m on the entry tier.
What is Chaser best for?
For a numerate team that would trade its dashboards for risk information arriving before terms are extended, plus SMS, letters and calls behind the email.
- Fits
- Businesses with a named credit controller; the entry tier is priced for turnover under £4m, and the tiers run to £100m
- Regions
- UK-registered, trading since 2014, sells worldwide. Automated calls are not available in New Zealand
- 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.
- Rated
- 4.98 from 374 Xero App Store reviews; 4.3 from 71 on G2; 4.9 from 45 on Capterra · Xero App Store listing
- 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. Four calculation types including 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, 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
- Customers
- Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered.
Chaser was incorporated in 2013 (Companies House), and it holds the largest verified review base here by a wide margin.
Reminders leave from the team’s own Gmail or Outlook mailbox rather than a vendor domain, with SMS, posted letters, one-way automated calls, a payer portal and a collections referral through a partner network behind them. Every channel except email is metered by credit, so a hard month of chasing costs more than a quiet one.
The in-app credit report comes from Creditsafe and carries a credit score with a recommended limit, the customer’s payment score, credit event history, and Companies House filing and director data, with continuous monitoring. Chaser credit checks need Chaser billing, not Xero App Store billing; monitoring is not offered in Australia.
Limitations with Chaser. The fee engine is real, but it runs as one set of late-fee rules, across the account or for selected debtors, not tied to schedules, and it raises nothing at all on an invoice that is on a payment plan or has been part paid. Statements go out monthly, on a fixed day.
Compact holds four users. Pricing steps with company turnover rather than usage. Its reporting is a long way short of what you have now: no countback DSO and no collection effectiveness index. Reviewers also report that a reply to a chasing email cannot be answered inside the tool.
3. Kolleno, best for reporting plus reconciliation
Best for: The nearest comparable reporting layer, plus reconciliation.
At $650 a seat on BusinessPay
What is Kolleno best for?
For a team that wants to keep real-time dashboards, and will pay for the Enterprise tier to get reconciliation with them.
- Fits
- Order-to-cash teams: BusinessPay for turnover under £1m, Business Plus £1m to £100m, Enterprise £100m to £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 under £1m; Business Plus $1,245 per user. Kolleno matches payments to invoices (auto-reconciliation) on Enterprise only, by quote; BusinessPay does not include it. Xero and QuickBooks connect on BusinessPay and Business Plus; NetSuite and SAP start on Enterprise.
- Rated
- 4.9 from 117 G2 reviews; 5.0 from 18 Xero App Store reviews; 5.0 from 8 on Capterra · Xero App Store listing
- 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
- Late fees and interest
- 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
- Customers
- Named on its website: Wise, Deel and Laundryheap. Laundryheap's case study reports 94% of payments collected on time.
Kolleno sells to the same buyer Upflow does, on a ledger and ERP list that overlaps almost exactly, and it is the only tool on this page with reporting a numerate team would call comparable: real-time dashboards, DSO, and reconciliation dashboards of its own.
It stops short of countback DSO measured against best possible DSO, so read it as the nearest thing rather than as a like-for-like.
Its own depth is one layer below the reporting, in cash application. Remittance emails are parsed into suggested matches, bank connections run over SFTP carrying BAI2, NACHA and ISO 20022 files, and matching handles one-to-many, partials, credit-note offsets, foreign exchange differences and bank fees, including multi-currency journal entries written into NetSuite.
Kolleno lists AI agent support from Business Plus as insights, a copilot drafting messages for review, and an agent working a collections policy, with fully automated agent runs and AP portal features billed separately by token use. Payment plans split weekly, monthly or bi-monthly with automations tied to the schedule.
Limitations with Kolleno. At $650 per user a month on BusinessPay, a three-person collections desk is paying $1,950 before a single reminder goes out, and the next tier is nearly double that.
No feature page or help article documents a late fee or an interest calculation, so charging for late payment stays exactly where Upflow left it. G2 reviewers ask for reporting that is more robust and more customizable and report trouble finding features in the interface. Kolleno includes 100 to 600 calls a plan. Its pricing page does not say which actions a workflow can hold.
4. Satago, best for UK credit reports
Best for: A UK business on Sage 50 or Xero that wants chasing, credit reports and invoice finance at the lowest published price here.
What is Satago best for?
For a United Kingdom business on Sage 50 or Xero that has decided measurement was a luxury and wants chasing, credit reports and a funding line for £25.
- 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.
- Rated
- 4.93 from 92 Xero App Store reviews, UK listing
- Awards
- Not published
- Runs on
- Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent
- Late fees and interest
- Optional. Late fees are calculated in line with statutory limits and added to payment reminders once an invoice is overdue
- 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 two businesses inside one subscription: chasing and risk insight on the software side, single and full invoice finance on the lending side. Inside Sage 50 the embedded edition undercuts the standalone app at £25 a month on Standard, and Sage states that Plus comes with selected Sage 50 subscriptions without naming which ones.
For a team leaving an analytics product it is the opposite trade in every direction: the cheapest published price on the page, payment reminders, statements, customer grouping and scheduling, three full credit reports a year on Standard and 25 on Plus, and almost nothing to look at afterwards.
Limitations with Satago. Basic caps you at 100 email reminders a month and does not list own-inbox sending; sending from your own inbox starts at the £80 Premium tier.
Satago adds an optional late fee to its reminder emails, and its Xero App Store UK score is 4.93 from 92 reviews. The footprint is the United Kingdom and nowhere else, which rules it out for the international teams Upflow was built for.
5. ezyCollect, best for ANZ trade businesses
Best for: Australian and New Zealand trade businesses.
From a last-published A$275 a month plus a setup fee
What is ezyCollect best for?
For an Australian or New Zealand trade business that wants Experian data, demand letters and an agency referral in one platform, with little reporting.
- Fits
- Australian and New Zealand order-to-cash teams. No revenue band published; the entry tier is sized at 200 debtors, 3 users and 1 workflow
- Regions
- Australia and New Zealand core market, acquired by Sidetrade in October 2025, with ledger connectors reaching the United States
- Entry cost
- A$275/mo ezyStart on annual billing plus a setup fee from A$900, with monthly billing about 20% higher; ezyGrow A$950 and ezyScale A$2,350. The payment gateway is A$90/mo and demand letters are A$49 each, quoted ex GST. 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.
- Rated
- 4.9 from 35 Xero App Store reviews; 4.7 from 25 on G2; 4.9 from 12 on Capterra · Xero App Store listing
- Awards
- None found
- Runs on
- Xero, MYOB AccountRight, Exo, Essentials and Acumatica, NetSuite, Dynamics, Sage 300, Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve; QuickBooks logo on homepage, no connector page
- Late fees and interest
- None found. Nothing in the help center or the July 2026 relaunch materials documents a late fee or interest calculation. Card surcharging is the only charge mechanic
- Does best
- Credit screening on Experian data, in-app demand letters and referral to a collections partner, in one platform
- Customers
- Named on its website: Feral Brewing, Hampers with Bite and Skillinvest. Feral Brewing's case study reports overdue accounts cut by over 50%.
ezyCollect is on this page for completeness rather than as a likely swap: an Australian and New Zealand order-to-cash platform pairing customer-level chasing with Experian credit data, in-app demand letters at A$49 each and a one-click referral to a partner collections agency.
Limitations with ezyCollect. No late fee or interest anywhere in the product. Reminders consolidate per customer rather than per invoice, and customers past the end of a workflow stop receiving automated follow-ups.
The entry tier carries a setup fee from A$900 and a A$90 monthly gateway fee with SMS, post and fax metered on top, and collections referral runs from 25% of what is recovered. The review base is thin and mostly predates 2024.
6. Invoiced, best for high-volume billing on ERPs
Best for: Higher-volume billing teams on a mid-market ERP.
No price published
What is Invoiced best for?
For a company with recurring revenue or large invoice counts that wants billing, collections and payments in one invoice-to-cash platform rather than a collections tool bolted onto a ledger.
- Fits
- Upper-mid-market and enterprise B2B finance teams with complex or recurring billing. No revenue band published
- Regions
- United States head office, part of Flywire, selling internationally
- Entry cost
- Not documented. No price is published
- Rated
- 4.7 from 149 reviews on Capterra; 4.5 from 418 reviews on G2
- Awards
- None found
- Runs on
- Xero, QuickBooks Online, QuickBooks Desktop and Enterprise, NetSuite, Sage Intacct, Dynamics 365 Business Central
- Late fees and interest
- Yes. Flat or percentage fee with a grace period, start date and interval, multiple schedules assignable to customer groups, and a per-invoice waiver
- Does best
- Invoice-to-cash breadth, with billing, collections and payments on one platform and maintained integration pages for both the mid-market ERPs and the small business ledgers
- Customers
- Named on its website: WebPT, iWave and Apartment Life. Apartment Life's case study reports overdue accounts cut by 50%.
Invoiced spans billing, collections and payments, and suits companies with recurring revenue or large invoice counts rather than a team whose only problem is chasing. It maintains integration pages for Xero, QuickBooks Online, QuickBooks Desktop and NetSuite, though its positioning has moved toward mid-market and enterprise ERP since the Flywire acquisition.
Limitations with Invoiced. Its pricing is not published, which leaves one of the five criteria unscored. The enterprise pivot has pulled attention away from the small business ledgers its integration pages still serve.
Reporting after Upflow: what you keep, what you rebuild
Xero and QuickBooks Online both produce an aged receivables report, and both let you derive a simple DSO from it. Neither produces countback DSO, best possible DSO or a collection effectiveness index, and nothing on this page produces them either.
What the six do report:
- Paidnice. Activity and policy reporting inside the app, with the ledger still the system of record. It changes the number rather than plotting it.
- Kolleno. Real-time dashboards and DSO, plus reconciliation dashboards. The closest thing here to what you already have, at $650 per user a month.
- Chaser. Chasing performance, with an AR forecast sold as a paid add-on on Compact and Core, and included on Complete. Deep on activity, thin on the ratios.
- Satago, ezyCollect and Invoiced. Operational dashboards. Nothing that answers a board question about collection effectiveness.
Three routes out: keep the free Discover tier for the numbers and buy enforcement separately; rebuild the two ratios you quote from the aged receivables export; or track DSO and the balance past ninety days, and spend the difference on the thing that moves them.
If the only problem in your receivables is that nobody can see it, Upflow’s reporting is stronger on that job. Consider Paidnice for the chasing around it, and read the pillar guide to AR software by business type to compare.
Which Upflow alternatives charge for late payment?
Four of the six raise a charge themselves. Paidnice runs a policy per customer group; Chaser runs four calculation types as one set of late-fee rules; Invoiced documents flat or percentage fees with schedules by customer group; Satago adds an optional late fee to its reminder emails. Kolleno and ezyCollect document none, and Upflow hands the job to your ERP.
Grain separates the tools that do it. Chaser calculates daily across four types, one of them indexed to the Bank of England base rate, but one set of late-fee rules covers the account or selected debtors, not tied to schedules, with no documented way to run different rules per group, and nothing is raised on an invoice that is on a payment plan or has been part paid.
Paidnice hangs its policies off customer groups, so a wholesale group, a retail group and a disputed-accounts group each carry their own rule at the same time, and a per-invoice fee and a whole-balance interest charge can run together on one group.
Where the charge lands decides whether it is real. Posted to the ledger as an invoice, it enters the customer’s payables, their aged payables report and their payment run, which is where your invoice moves up the customer’s payment run. It is also something you can waive on purpose, in writing, in exchange for payment today.
30 days late on $12,000: a 2% invoice fee is $240.00, statement interest at 12% a year is $118.36, and $358.36 lands on the ledger.
The fee is a share of the overdue invoice, taken once. The interest figure is the balance multiplied by the annual rate and apportioned over the days it ran late. UK businesses charging statutory interest index it to the Bank of England base rate plus 8%, so confirm the current figure on GOV.UK before invoicing for it.
Promises to pay against a real installment schedule
Paidnice, Chaser, Kolleno and ezyCollect all schedule installments against an open invoice. Upflow does not: what it holds is a promise to pay and whatever part payment the customer decides to make.
A promise to pay is a date somebody typed. An installment schedule is a set of dated obligations your software will chase without being asked.
Chaser splits an invoice weekly through to yearly, but the chasing keeps tracking the original due date rather than the installment dates, and its own documentation tells you to chase the installments manually.
Kolleno splits weekly, monthly or bi-monthly with automations linked to the plan and uneven totals divided manually. ezyCollect sells Payment Plans as a paid add-on.
How much do Upflow and its alternatives 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.
Published entry prices for the six: Satago £45 a month (£25 inside Sage 50), Paidnice £49 (US$69), Chaser £199, ezyCollect A$275 (last published; current prices hidden and must be requested) on annual billing plus a setup fee from A$900, Kolleno $650 per user. Invoiced publishes nothing either.
A gross invoice value tier prices your ability to pay rather than what the software does, which makes it hard to argue with at renewal.
The other meters: Kolleno bills per seat, so a three-person collections desk pays $1,950 before an invoice is chased. Chaser steps with company turnover. Paidnice bills on monthly invoice volume from a fixed local price table. The cheapest way into Satago is the edition Sage embeds inside Sage 50.
Count the extras before comparing anything. ezyCollect adds a setup fee from A$900, a A$90 monthly gateway fee and A$49 per demand letter. Chaser meters SMS, letters and calls by credit. Kolleno's pricing page last noted that integrations, customisations and add-ons may cost extra; the note is not on the page now.
Ledger and billing engine coverage against Upflow’s list
Upflow reads Xero, QuickBooks Online, NetSuite and Sage Intacct, and it is the only tool here that also reads Stripe Billing, Chargebee and Zuora. If you invoice from one of those three, that line is the hardest part of the list to replace.
- Stripe Billing, Chargebee and Zuora. Upflow alone. A subscription business would connect the ledger the invoices land in instead.
- Xero. All six connect. Paidnice, Chaser and Kolleno hold verified Xero App Store review bases; ezyCollect holds an Australian one.
- QuickBooks Online. Five of the six; ezyCollect shows a QuickBooks logo on its homepage but no connector page.
- NetSuite and Sage Intacct. Kolleno and Invoiced, with Chaser on NetSuite and Dynamics 365 Business Central. Paidnice reaches NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on its Custom plan as a build rather than a connector.
- Sage 50 and Sage 200. Satago and Chaser. Neither Paidnice nor Upflow serves Sage 50 or Sage 200.
Which Upflow alternative fits your use case?
| Use case | Start with | Why |
|---|---|---|
| Xero or QuickBooks Online, and overdue invoices should carry a fee or interest | Paidnice | A policy per customer group, posted to the ledger, from £49 (US$69) a month |
| Keep dashboards and forecasting close to what you have | Kolleno | Real-time dashboards and DSO forecasting from $650 per user; cash application on Enterprise only, by quote |
| Credit checks before you extend terms | Chaser | Creditsafe reports and monitoring beside email, SMS and letter chasing, from £199 |
| A UK business on Sage 50 with a tight budget | Satago | £25 a month inside Sage 50, with credit reports and invoice finance |
| Australian or New Zealand trade customers on MYOB | ezyCollect | Experian credit data, demand letters and an agency referral in one platform |
| Billing and collections on one platform | Invoiced | Billing, collections and payments together, with no published price |
Questions from teams replacing an analytics layer
What is the best Upflow alternative in 2026?
It depends on what the team is missing. For a team on Xero or QuickBooks Online that wants the overdue list acted on, Paidnice fits: it applies late fees and interest per customer group, issues statements, offers payment plans on Pro and escalates overdue accounts, from £49 (US$69) a month.
For bureau credit checks in the same tool, Chaser fits, from £199 a month. For reporting closest to Upflow, Kolleno fits, from $650 per user a month; cash application is on Enterprise only, by quote.
Why do teams leave Upflow?
The recurring reasons are that no late fee or interest is computed in the product, that payment plans are limited to customer-initiated part payments and promises to pay, and that no price is published at any tier.
Automatic actions also fire once a day on business days only, and sending through your own SMTP server turns off open and click tracking.
Is there a cheaper alternative to Upflow?
Upflow's last published prices were $440 a month for Grow and $880 for Scale; current prices are hidden and must be requested. Paidnice publishes £49 (US$69) a month and Satago from £45 a month (£25 inside Sage 50). Check current pricing with the vendor.
Which Upflow alternative charges late fees automatically?
Paidnice, Chaser, Invoiced and Satago. Paidnice applies flat, percentage and compounding charges as a policy per customer group and posts the charge to the ledger as Draft or Approved. Chaser runs four calculation types as one set of late-fee rules, across the account or for selected debtors, not tied to schedules, and raises no fee on payment-plan or partially paid invoices. Invoiced applies a flat or percentage fee with schedules by customer group, and Satago adds an optional late fee to its reminder emails.
Does Upflow have a free plan?
Upflow offers a free Discover dashboard tier and a 14-day free trial on its Xero App Store listing; its pricing page lists no trial. The Discover tier is analytics only and carries no collection automation. The automation tiers are priced by gross invoice value tier and not published.
Do Upflow alternatives integrate with Xero and QuickBooks?
Most do. Paidnice, Chaser, Kolleno and Invoiced connect to both a Xero organisation and QuickBooks Online. ezyCollect connects to Xero and shows a QuickBooks logo on its homepage but no connector page. Satago connects to Xero, Sage, Sage 50, QuickBooks, KashFlow and FreeAgent.
Which alternative is closest to Upflow on analytics?
Kolleno, which reports DSO with real-time dashboards, at $650 per user a month on BusinessPay for turnover under £1m; cash application is on Enterprise only, by quote. None of the six matches Upflow’s countback DSO against best possible DSO, so a team that buys purely on reporting depth should weigh what it gives up.
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.
Related reading for analytics-led finance teams
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 Chaser alternatives
Six Chaser alternatives on enforcement, price and reviews.
Alternatives
Best Kolleno alternatives
Five Kolleno alternatives compared by business type.
By accounting system
Best AR software for Xero
The top accounts receivable tools for a Xero organisation, compared.
Sources
19 sources, checked by Julie Turnbridge on November 3, 2026
- Xero Small Business Insights xero.com/us/resources/small-business-insights
- G2 g2.com/products/upflow-upflow/reviews
- Capterra capterra.com/p/193097/Upflow
- Xero App Store listing apps.xero.com/us/app/upflow
- Xero App Store apps.xero.com/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/reviews
- G2 g2.com/products/kolleno/reviews
- Xero App Store apps.xero.com/uk/app/kolleno
- Capterra capterra.com/p/227932/Kolleno
- 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/reviews
- Bank of England base rate bankofengland.co.uk/monetary-policy/the-interest-rate-ban...
- GOV.UK gov.uk/late-commercial-payments-interest-debt-recovery/ch...
- pricing page kolleno.com/pricing
