--- type: Software Buyer's Guide title: Chaser vs Kolleno vs Upflow (2026) description: Chaser, Kolleno and Upflow compared side by side on published price, pricing meter, late fees, cash application, analytics, integrations and verified ratings. resource: https://accounting.events/reviews/credit-control-software-compared/ tags: [chaser vs kolleno vs upflow, credit control software compared, chaser vs kolleno, kolleno vs upflow, chaser vs upflow, credit control software comparison, ar automation software compared] timestamp: 2026-11-06 author: Harry P. Smart fact_checked_by: Julie Turnbridge fact_checked: 2026-11-06 --- > **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 Kolleno vs Upflow: credit control software compared Three credit control and accounts receivable tools on one page: what each one prints as a price, what it charges by, what it does to an overdue invoice, and which business each one fits. **In Chaser vs Kolleno vs Upflow, choose Chaser if you run an established UK credit team that wants email, SMS, letter and call chasing plus a statutory late fee, from £199 a month. Choose Kolleno if you are an order-to-cash team that needs cash application (Enterprise only, by quote); BusinessPay is $650 per user a month. Choose Upflow for collections analytics at a quote-only price.** **In short** - **Chaser:** priced by company turnover, from £199 a month on Compact (turnover under £4m, 4 users). It is the only one of the three that raises a late fee itself. - **Kolleno:** priced per user and gated by turnover, from $650 per user a month on BusinessPay (turnover under £1m). Its focus is cash application, which is Enterprise only. - **Upflow:** priced by quote only, in five bands by revenue and invoice volume. Its focus is collections analytics. The last published figures were $440 and $880 a month. **Related guides:** [Chaser vs Upflow](https://accounting.events/reviews/chaser-vs-upflow/), [Chaser vs Kolleno](https://accounting.events/reviews/chaser-vs-kolleno/), [Kolleno vs Upflow](https://accounting.events/reviews/kolleno-vs-upflow/), [credit control software pricing](https://accounting.events/resources/credit-control-software-pricing/) > **CPA note, Harry P. Smart:** These tools split on two questions: does the tool raise the charge itself, and can the charge differ by customer group. ## What does credit control software do? Credit control software connects to your accounting system, reads the unpaid invoices and chases each one until it is paid. Chaser, Kolleno and Upflow all do that, and all three connect to Xero, QuickBooks, NetSuite and Sage Intacct, with Kolleno’s NetSuite connection starting on its Enterprise plan. - Reminders by email and SMS on all three, with letters on Chaser and Upflow and automated calls on Chaser. - A late fee or statutory interest, raised by Chaser only, on one set of late-fee rules, across the account or for selected debtors, not tied to schedules. - Cash application: AI payment matching on Kolleno, auto-matching on Upflow. - Credit risk: Creditsafe checks on Chaser, AI credit scores and bureau integrations on Kolleno. - Analytics: DSO reporting on all three, with a collection effectiveness index on Upflow. It is not the ledger. Xero, QuickBooks or NetSuite stays the record of every invoice. Chaser posts its late payment charge to Xero as a line on the invoice, and Upflow sends fees back to the ERP to apply there. It is not a billing system. Upflow connects to billing systems such as Stripe Billing, Chargebee and Zuora, which raise the invoices it chases. It is not a debt collection agency either. The statutory right to interest under the Late Payment of Commercial Debts (Interest) Act 1998 belongs to the supplier, and in Kolleno or Upflow someone must calculate and post that charge outside the tool. ## How this comparison was put together This comparison helps a business choose between Chaser, Kolleno and Upflow for chasing and collecting issued invoices. | What we checked | Where the evidence came from | |---|---| | Price and plan limits | Each vendor's pricing page, and the last reported price where it is now hidden | | What happens to an overdue invoice | Vendor help pages on reminders, fees and escalation | | Cash application | Vendor feature and help pages | | Accounting system connections | Vendor integration pages and app store listings | | Ratings | The Xero App Store, G2 and Capterra, with the review count | ## How do Chaser, Kolleno and Upflow compare side by side? Chaser, Kolleno and Upflow differ most on price meter, late fees and cash application: Chaser charges by turnover from £199 a month, Kolleno charges per user from $650 a month, and Upflow quotes by band. Each row below comes from the vendor's own pricing page, help documentation or App Store listing. "Not published" means the vendor prints no figure. "None found" means the vendor's own materials do not document the capability. The feature rows are covered in more depth in [Chaser vs Upflow](https://accounting.events/reviews/chaser-vs-upflow/), [Chaser vs Kolleno](https://accounting.events/reviews/chaser-vs-kolleno/) and [Kolleno vs Upflow](https://accounting.events/reviews/kolleno-vs-upflow/). | | Chaser | Kolleno | Upflow | |---|---|---|---| | Best for | Established UK credit teams wanting multi-channel chasing and statutory interest | Order-to-cash teams whose main problem is cash application | Finance teams wanting collections analytics, at a quoted price | | Entry price | £199 a month (Compact) | $650 per user a month (BusinessPay) | Quote only (last published prices were $440 a month for Grow and $880 for Scale; now hidden) | | Pricing meter | Company turnover: under £4m, £10m, £100m, then Custom | Per user, with turnover bands at £1m, £100m and £1bn | Revenue and invoice volume: bands to $10m, $25m, $50m, $100m and above | | Annual billing | About 10% less (Compact £179 a month billed annually) | $545 per user a month on BusinessPay | Not published | | Users included | 4 on Compact, unlimited on Core and above | Billed per user, minimum 1, 2, 3 or 4 by tier | Unlimited on every tier | | Chasing channels | Email, SMS, letter and automated calls, with SMS and call credits | Email and SMS, with SMS and call allowances by tier | Email, SMS and letter automatically; calls as manual steps | | Late fees and interest | Yes, 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 | None found | No; Upflow documents applying fees in the ERP | | Cash application | Card and bank payments through Chaser Pay; no automated matching documented | Yes, from the Enterprise plan: AI payment matching, including partial payments, credit notes, currency differences and bank fees | Yes, auto-matching and an agent that reconciles from a bank CSV (Cash Application Agent on Accelerate) | | Credit risk | Creditsafe credit checks sold by credit on any plan (they need Chaser billing); monitoring not offered in Australia | AI credit scores and bureau integrations | Light scoring, no bureau data | | Analytics | Customer insights and DSO; forecast on Complete | DSO reporting | DSO against best possible DSO, collection effectiveness index | | Contract termsNo minimum term; 10% off yearly billingDefault 24-month term, renews for 12 months, 90 days’ notice, fees non-refundablePlans are prepaidFree option | Free trial (10 days on the Xero listing) or a conversation with an expert | No trial terms stated | Discover: free analytics only, no chasing; a 14-day free trial on its Xero App Store listing, none on its pricing page | | Xero App Store rating | [4.98 from 374 reviews](https://apps.xero.com/uk/app/chaser) | [5.0 from 18 reviews](https://apps.xero.com/uk/app/kolleno) | [5.0 from 1 review](https://apps.xero.com/uk/app/upflow) | Kolleno shows its prices in the visitor's currency; the figures above are its US dollar prices. Upflow's $440 and $880 are the last published monthly prices for its Grow and Scale tiers; its current page prints no figure. Check current pricing with the vendor. ## Which one fits your business? Chaser, Kolleno and Upflow overlap on reminders and a customer portal, and they separate on the price meter, on late fees and on what each one focuses on. **Which one fits** - **Choose Chaser if** you are a UK business under £10m turnover, you want a credit controller's full set of channels in one tool, and you want statutory interest added to overdue invoices automatically. - **Choose Kolleno if** unapplied cash is your main problem, you run NetSuite, SAP or Sage Intacct, and you have a small AR team that can justify a per-seat price. - **Choose Upflow if** you want to measure DSO and collection effectiveness before you automate, you bill through Stripe Billing, Chargebee or Zuora, and you are prepared to negotiate a quoted price. ## How much do Chaser, Kolleno and Upflow cost? Chaser costs £199 a month on Compact for turnover under £4m, £599 on Core under £10m and £899 on Complete under £100m. Kolleno costs $650 per user a month on BusinessPay and $1,245 per user on Business Plus, which needs two users. ![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_ ![Kolleno pricing page on annual billing, showing Business Pay at $545 and Business Plus at $995 per user a month, with the monthly prices of $650 and $1,245 struck through, beside two custom Enterprise tiers](https://accounting.events/assets/vendors/kolleno-pricing.webp) _Kolleno pricing page_ 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 meter matters more than the entry price. The same business pays very different amounts in each tool because each one counts something different. | Business | Chaser | Kolleno | Upflow | |---|---|---|---| | £3m turnover, 1 credit controller | £199 a month (Compact) | $2,490 a month (2-user minimum, Business Plus) | Quote (Starter band) | | £6m turnover, 3 people on the AR team | £599 a month (Core) | $3,735 a month (3 users, Business Plus) | Quote (Starter band) | | £15m turnover, 3 people on the AR team | £899 a month (Complete) | $3,735 a month (3 users, Business Plus) | Quote (Grow band) | Monthly billing, before add-ons, SMS or call credits and tax. Upflow Payments, its optional payments add-on, has a published platform fee of $390 a month, 3.5% + $0.30 per card payment and 0.8% capped at $5 for ACH. ## What happens to an overdue invoice in each tool? Chaser follows the invoice with a schedule of emails, SMS, letters and calls, and it can add a late payment charge. The charge follows one set of late-fee rules, across the account or for selected debtors, not tied to schedules, and it posts to Xero as a line on the invoice. Kolleno and Upflow chase the invoice but raise no charge. Kolleno escalates through its collections agent. Upflow sends the fee back to the ERP. For a UK supplier this matters because the [Late Payment of Commercial Debts (Interest) Act 1998](https://www.legislation.gov.uk/ukpga/1998/20/contents) gives a statutory right to interest at 8% above the [Bank of England base rate](https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate), plus a fixed sum of £40, £70 or £100 per invoice by size of debt. With the base rate at 3.75% on 30 June 2026, the statutory rate is 11.75% a year for invoices overdue by 31 December 2026. The base rate rose to 4% on 5 November 2026. In Kolleno or Upflow, someone must calculate and post that charge outside the tool. ## How do Chaser, Kolleno and Upflow differ on cash application and analytics? On its Enterprise plans, Kolleno's AI matches payments to invoices and handles partial payments, credit notes, currency differences and bank fees, and Upflow's auto-matching also reconciles from a bank CSV, with a Cash Application Agent on Accelerate. On analytics, Upflow reports DSO against best possible DSO and a collection effectiveness index, and Chaser reports customer insights and DSO, with a receivables forecast on Complete. ## Which accounting systems do they connect to? Chaser, Kolleno and Upflow all connect to Xero, QuickBooks, NetSuite and Sage Intacct, with plan limits on Kolleno below, and each adds further systems listed below. - **Chaser and Kolleno:** Microsoft Dynamics 365 Business Central and SAP (on Kolleno's Enterprise plan). - **Chaser:** also the Sage range (Sage 50, Sage 200, Sage Business Cloud Accounting) and AccountsIQ. - **Kolleno:** Xero, QuickBooks and Sage Intacct connect on BusinessPay and Business Plus; NetSuite and SAP start on Enterprise, and Oracle is also on the Enterprise plan. - **Upflow:** also billing systems, including Stripe Billing, Chargebee and Zuora. ## Which credit control software fits your use case? Find the row that matches your team. The price meter, the late fee and the main job you need done decide most cases. | Use case | Start with | Watch out | |---|---|---| | UK business under £10m turnover that wants statutory interest added automatically | Chaser | One set of late-fee rules, with no documented way to run different rules per group, and 4 users on Compact | | Unapplied cash is the main problem, on NetSuite, SAP or Sage Intacct | Kolleno | Priced per user from $650 a month; cash application is Enterprise only, by quote; NetSuite and SAP are on the Enterprise plan, Sage Intacct from BusinessPay | | Measure DSO and collection effectiveness before you automate | Upflow | Last published at $440 and $880 a month; now quote-only | | Invoices raised in Stripe Billing, Chargebee or Zuora | Upflow | Calls are manual steps, and late fees are applied in the ERP | | Creditsafe checks on UK customers in the chasing tool | Chaser | No automated payment matching documented | | Analytics only, with no chasing yet | Upflow Discover | Free, but it gives analytics only | ## Common questions ### Which is better, Chaser, Kolleno or Upflow? None of the three is better for every business. Chaser fits an established UK credit team wanting multi-channel chasing and statutory interest, from £199 a month, while Kolleno fits a larger AR team whose main problem is cash application (Enterprise only, by quote), with BusinessPay from $650 per user a month. Upflow fits a finance team that wants collections analytics and will negotiate a quoted price. ### Is Chaser cheaper than Kolleno? Yes, Chaser is cheaper than Kolleno for any team of one or more users. Chaser's Compact plan is £199 a month for the whole business, with 4 users, for turnover under £4m. Kolleno's BusinessPay plan is $650 per user a month, so one user costs more than Chaser's Compact plan and each extra user adds $650. ### Does Upflow publish its pricing? Upflow does not publish its pricing: every paid tier says "Ask for a quote", with tiers set by annual revenue and invoice volume from Starter (up to $10m and 40,000 invoices a year) to Enterprise. The last published monthly prices were $440 for Grow and $880 for Scale. The free Discover tier gives analytics only. ### Which of the three adds late payment interest? Only Chaser of the three adds late payment interest, with four calculation types including one that follows the Bank of England base rate, recalculated daily on one set of late-fee rules, across the account or for selected debtors. The statutory rate is 8% above that base rate, which is 11.75% a year for invoices overdue by 31 December 2026 (base rate 3.75% on 30 June; 4% since 5 November 2026). Kolleno documents no late fee function, and Upflow tells customers to apply late fees in their ERP. ### Do Chaser, Kolleno and Upflow work with Xero? Yes, Chaser, Kolleno and Upflow all list on the Xero App Store, where Chaser has 4.98 stars from 374 reviews, Kolleno 5.0 from 18 and Upflow 5.0 from 1. All three also connect to QuickBooks Online, NetSuite and Sage Intacct, though the Kolleno NetSuite connection starts on its Enterprise plan. ### How do Chaser, Kolleno and Upflow differ on cash application? On its Enterprise plans, Kolleno’s AI matches payments to invoices, including partial payments, credit notes, currency differences and bank fees, and Upflow auto-matches and has an agent that reconciles from a bank CSV (Cash Application Agent on Accelerate). Chaser takes card and bank payments through Chaser Pay, with no automated matching documented. ### What does each tool cost for a team of three? At £6m turnover with three people on the AR team, Chaser costs £599 a month on Core and Kolleno costs $1,950 a month for three users on BusinessPay. Upflow quotes a price for the Starter band. These are monthly prices before add-ons, SMS or call credits and tax. No vendor paid to appear on this page, and none has a commercial relationship with Accounting.Events. ## People also read Comparison ### Chaser vs Upflow Credit risk and statutory interest against collections analytics. Comparison ### Chaser vs Kolleno UK credit control against AI order-to-cash. Comparison ### Kolleno vs Upflow Two AI-led AR platforms, action against measurement. Pricing ### Credit control software pricing Published prices and pricing meters, vendor by vendor. ## Sources Sources checked by Julie Turnbridge on November 6, 2026: 1. [4.98 from 374 reviews](https://apps.xero.com/uk/app/chaser) (apps.xero.com/uk/app/chaser) 2. [5.0 from 18 reviews](https://apps.xero.com/uk/app/kolleno) (apps.xero.com/uk/app/kolleno) 3. [5.0 from 1 review](https://apps.xero.com/uk/app/upflow) (apps.xero.com/uk/app/upflow) 4. [Late Payment of Commercial Debts (Interest) Act 1998](https://www.legislation.gov.uk/ukpga/1998/20/contents) (legislation.gov.uk/ukpga/1998/20/contents) 5. [Bank of England base rate](https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate) (bankofengland.co.uk/monetary-policy/the-interest-rate-ban...)