--- type: Software Buyer's Guide title: Chaser vs Satago (2026) Compared description: Chaser and Satago compared for UK businesses on published prices, chasing channels, credit checks, late fees, invoice finance and Xero App Store ratings. resource: https://accounting.events/reviews/chaser-vs-satago/ tags: [chaser vs satago, satago vs chaser, chaser or satago, chaser satago comparison, satago pricing, chaser pricing, uk credit control software] timestamp: 2026-11-03 author: Harry P. Smart fact_checked_by: Julie Turnbridge fact_checked: 2026-11-03 --- > **Facts checked November 2026.** We re-checked the prices, plans and features on this page against each vendor's own pages and app store listings. Where a vendor hides a price, we show the last published one and say so. # Chaser vs Satago in 2026 Two UK credit control tools compared on the points that separate them: what each costs, how each one chases, where the credit data comes from, and which one lends against invoices. **Chaser vs Satago: both automate invoice chasing for UK businesses. Choose Chaser if a credit control team wants email, SMS, letters and calls, Creditsafe checks, statutory interest, forecasting and a debt collection route, from £199 a month. Choose Satago if a smaller business wants credit reports and chasing from £45 a month, with optional invoice finance.** **In short** - **Price:** Satago costs £45, £80 or £200 a month. Chaser costs £199, £599 or £899 a month by company revenue. - **Chasing:** Chaser adds letters and automated calls. Satago sends email, with SMS on Premium and Platinum. - **Finance:** Satago offers invoice finance, advancing up to 90% of an invoice. Chaser does not lend. - **Forecasting and collections:** Chaser sells an AR forecast add-on, a Cash flow plan and a debt collection route through Debitura. Satago lists none on its site. **Related guides:** [the best Satago alternatives](https://accounting.events/reviews/best-satago-alternatives/), [Chaser pricing](https://accounting.events/reviews/chaser-pricing/), [the best Chaser alternatives](https://accounting.events/reviews/best-chaser-alternatives/), [Satago review](https://accounting.events/reviews/satago-review/) > **CPA note, Harry P. Smart:** Both offer credit data. Chaser's chasing covers more channels; Satago's flat tiers suit a ledger that mainly needs new customers screened. ## What does credit control software do? Credit control software automates the chasing of unpaid invoices. Both tools here read invoices from Xero, QuickBooks or Sage, send reminders on schedules before and after the due date, and give each customer a credit score or a credit check. Around that core, Chaser adds SMS, letters, automated calls, a payment portal and statutory interest. Satago adds SMS on its higher tiers, card and buy now, pay later payments, and an optional late fee total in reminder emails, calculated in line with statutory limits. It does not document posting the fee to the ledger. What it is not: - **Not the ledger.** Xero, QuickBooks or Sage keeps the invoices and payments. The tool reads them and chases what is overdue. - **Not invoice finance by default.** Satago sells finance as a separate, separately priced product, advancing up to 90% of an invoice. Chaser does not lend. - **Not a credit bureau.** Chaser's checks come from Creditsafe, a named bureau. Satago's pages do not name the bureau behind its credit reports. - **Not a managed service by default.** Chaser sells Chaser Care as a separate service, from £899 a month with Compact. The tool reads what is owed and chases it, and leaves the books to the accounting system and any lending to the finance product. ## How do Chaser and Satago compare side by side? Chaser costs £199, £599 or £899 a month by company revenue, Satago costs £45, £80 or £200 a month by tier, and only Satago offers invoice finance, advancing up to 90% of an invoice. | | Chaser | Satago | |---|---|---| | Best for | A credit control team wanting every channel and statutory interest | A smaller UK business wanting credit reports and optional invoice finance | | Entry price | £199 a month (Compact) | £45 a month (Basic) | | Higher tiers | £599 (Core), £899 (Complete), Custom | £80 (Premium), £200 (Platinum) | | Pricing meter | Company revenue: under £4m, £10m and £100m | Flat tier with credit report, reminder and SMS allowances | | Yearly billing | About 10% less (£179 a month on Compact) | £450, £800 or £2,000 a year | | Users | 4 on Compact, unlimited on Core and above | Not stated on the pricing page | | Chasing channels | Email from your own mailbox, SMS, letters, automated calls | Email (100 a month on Basic, unlimited above); SMS on Premium (100 a month) and Platinum (1,000 a month) | | Credit data | Creditsafe credit checks and monitoring | Credit scores, credit limit suggestions and credit reports (25 on Basic, 100 on Premium, unlimited on Platinum) | | Late fees | One set of late-fee rules, across the account or for selected debtors, not tied to schedules; four calculation types including the Bank of England base rate | Optional late fee added to reminder emails; ledger posting not documented | | Payments | Payment portal and Chaser Pay (cards, Apple Pay, instant bank transfer) | Card and buy now, pay later on Premium and Platinum | | Invoice finance | No | Yes, up to 90% of an invoice, priced separately | | Forecasting | AR forecast add-on; separate Cash flow plan | No separate forecasting product listed | | Debt collection and outsourced credit control | Chaser Care bundles; Debitura collections route | No debt collection route listed. Dedicated account manager on Platinum | | Ledgers | Xero, QuickBooks, the Sage range, NetSuite, Microsoft Dynamics and more | Xero, QuickBooks, Sage, KashFlow, FreeAgent | | Xero App Store (UK) | [4.98 from 374 reviews](https://apps.xero.com/uk/app/chaser) | [4.93 from 92 reviews](https://apps.xero.com/uk/app/satago) | Prices from each vendor's own pricing page, per month. Check current pricing with the vendor. Features come from each vendor's product and help pages, as summarised in [Chaser vs Upflow](https://accounting.events/reviews/chaser-vs-upflow/) and [the best Satago alternatives](https://accounting.events/reviews/best-satago-alternatives/). ## Which one fits your business? Chaser fits a business with a credit control team that wants letters, calls and statutory interest, and Satago fits a smaller UK business that wants credit reports and chasing for under £100 a month. **Which one fits** - **Choose Chaser if** you have a credit controller or a team, you want letters and automated calls as well as email and SMS, and you want statutory interest, receivables forecasting or a debt collection route. Chaser also fits businesses on NetSuite, Microsoft Dynamics or the Sage range. - **Choose Satago if** you are a smaller UK business that wants credit reports and automated chasing for under £100 a month, or you may want to borrow against your invoices from the same provider. Two questions settle it. Ledger: both cover Xero, QuickBooks and Sage, and Chaser adds NetSuite and Microsoft Dynamics. Finance and reach: invoice finance is Satago only, while letters, automated calls and a debt collection route are Chaser only. | Use case | Start with | Why | |---|---|---| | A credit control team that wants letters and automated calls | **Chaser** | Chaser adds both to email and SMS; Satago sends email and SMS only | | A smaller UK business with a budget under £100 a month | **Satago** | Basic at £45 and Premium at £80 include credit reports and chasing | | Statutory interest added to overdue invoices | **Chaser** | Four calculation types, including one that follows the Bank of England base rate | | Borrowing against invoices from the same provider | **Satago** | Invoice finance advancing up to 90% of an invoice, priced separately | | A ledger on NetSuite, Microsoft Dynamics or the wider Sage range | **Chaser** | Satago connects to Xero, QuickBooks, Sage, KashFlow and FreeAgent | | Credit checks from a named bureau | **Chaser** | Creditsafe checks and monitoring; Satago's pricing page does not name its bureau | | Receivables forecasting or a debt collection route | **Chaser** | AR forecast add-on, a separate Cash flow plan and the Debitura collections route; Satago lists none on its site | ## How much do Chaser and Satago cost? Satago costs £45 a month on Basic, £80 on Premium and £200 on Platinum, or £450, £800 and £2,000 billed yearly. Chaser costs £199 a month on Compact for revenue under £4m, £599 on Core under £10m and £899 on Complete under £100m, about 10% less billed yearly. Satago's top tier costs about the same as Chaser's entry tier. ![Chaser pricing page with the country set to United Kingdom, showing Compact from £179, Core from £539 and Complete from £809 a month on yearly billing](https://accounting.events/assets/vendors/chaser-pricing-gbp.webp) _Chaser pricing page, UK pounds_ ![Satago for Business pricing page showing Basic at £45 a month, Premium at £80 and Platinum at £200, each with a credit report allowance](https://accounting.events/assets/vendors/satago-pricing.webp) _Satago pricing page_ Satago offers a 14-day free trial. Sage 50 users can also run Satago inside Sage 50 at £25 a month (Standard) or £45 a month (Plus), and some Sage 50 subscriptions include Plus. Chaser's forecasting costs extra: the AR forecast add-on is £9 a month (£90 a year) on Compact and Core, included on Complete, and the separate Cash flow plan starts at £29 a month (£290 a year), Xero and AccountsIQ only. Care bundles cost £899, £1,599 and £2,099 a month. Debt collection runs through partner Debitura on a success fee. SMS, calls, letters and credit checks are charged by credit on top of the plan, and Chaser offers a 10-day free trial with no card details required. ## How do Chaser and Satago source credit data? Chaser runs credit checks and monitoring through Creditsafe, a named credit bureau. Satago gives each customer a credit score, a risk band and a suggested credit limit, and includes 25 full credit reports on Basic, 100 on Premium and unlimited reports on Platinum. Satago's pricing page does not name the bureau behind its reports. ## How do Chaser and Satago chase overdue invoices? Chaser sends email from the controller's own mailbox, SMS, letters and automated calls, on schedules before and after the due date, and it can add statutory interest under the [Late Payment of Commercial Debts (Interest) Act 1998](https://www.legislation.gov.uk/ukpga/1998/20/contents). Satago sends email reminders on schedules, and adds SMS on Premium and Platinum. It adds an optional late fee to reminder emails, calculated in line with statutory limits, and does not document posting it to the ledger. ## What if you need invoice finance? Only Satago of the two offers invoice finance, advancing up to 90% of an invoice's value on a single invoice or the whole ledger, priced separately from the software. Satago is majority owned by TruFin plc. In July 2024 Lloyds Bank gave notice to end its commercial agreement to offer Satago to Lloyds customers ([Finextra](https://www.finextra.com/newsarticle/44456/trufin-shares-tank-as-lloyds-terminates-satago-contract)); Satago continues to sell and support its products. A Chaser customer who needs finance uses a separate lender. ## Common questions ### Is Chaser or Satago better? Chaser is better for a business with a credit control team that wants letters, calls, Creditsafe checks and statutory interest. Satago fits a smaller business that wants credit reports and chasing from £45 a month, or that wants invoice finance from the same provider. ### Is Satago cheaper than Chaser? Yes, Satago is cheaper than Chaser at entry level: Satago's plans cost £45, £80 and £200 a month, while Chaser's plans cost £199, £599 and £899 a month, set by company revenue. Satago's Platinum tier, at £200, costs about the same as Chaser's Compact tier at £199. ### Does Chaser offer invoice finance like Satago? No, Chaser does not lend against invoices, whereas Satago can advance up to 90% of an invoice's value as a separate, separately priced product. A Chaser customer who wants invoice finance needs a separate lender. ### Do Chaser and Satago work with Xero? Yes, Chaser and Satago both list on the Xero App Store UK, where Chaser has 4.98 stars from 374 reviews and Satago 4.93 from 92. Both also connect to QuickBooks and Sage. Chaser also connects to NetSuite and Microsoft Dynamics. ### Which one adds late payment interest? Chaser adds statutory interest with four calculation types, including one that follows the Bank of England base rate, applied by one rule to the whole account. Satago adds an optional late fee to reminder emails, calculated in line with statutory limits, and does not document posting it to the ledger. Test the calculation you need in a trial of either tool. ### What payment options do Chaser and Satago give customers? Chaser runs a payment portal and Chaser Pay, which takes cards, Apple Pay and instant bank transfer. Satago takes card and buy now, pay later payments on Premium and Platinum. ### How many users do Chaser and Satago include? Chaser includes 4 users on Compact and unlimited users on Core and above. Satago's pricing page does not state a user limit. ### What does a managed service cost with each tool? Chaser sells Chaser Care, a managed service, from £899 a month with Compact. Satago includes a dedicated account manager on its £200 Platinum tier. Neither vendor paid to appear on this page. ## People also read Alternatives ### [Best Satago alternatives](https://accounting.events/reviews/best-satago-alternatives/) Five Satago alternatives on price, credit data and fit. Alternatives ### [Best Chaser alternatives](https://accounting.events/reviews/best-chaser-alternatives/) Chaser alternatives on enforcement, price and reviews. Pricing ### [Chaser pricing](https://accounting.events/reviews/chaser-pricing/) Chaser's plans, turnover bands and Care bundles. Buyer's guide ### [Best credit control software for UK SMEs](https://accounting.events/reviews/best-credit-control-software-uk/) Statutory interest, chasing and credit risk compared. ## Sources Sources checked by Julie Turnbridge on November 3, 2026: 1. [4.98 from 374 reviews](https://apps.xero.com/uk/app/chaser) (apps.xero.com/uk/app/chaser) 2. [4.93 from 92 reviews](https://apps.xero.com/uk/app/satago) (apps.xero.com/uk/app/satago) 3. [Late Payment of Commercial Debts (Interest) Act 1998](https://www.legislation.gov.uk/ukpga/1998/20/contents) (legislation.gov.uk/ukpga/1998/20/contents) 4. [Finextra](https://www.finextra.com/newsarticle/44456/trufin-shares-tank-as-lloyds-terminates-satago-contract) (finextra.com/newsarticle/44456/trufin-shares-tank-as-lloy...)