Summary
- Compare credit control tools. Nine tools side by side, with the accounting systems each one works with. Jump to the comparison
- Which tools work for each accounting software. See a list of which tools integrate with the most common ERPs and accounting software.
- How to choose. Three questions, plus what to test in a demo or free trial.
- By business size. Shortlists for small businesses, finance teams and enterprises. Jump to business size
- Automation, AI and reviews. What automation should do without you, where AI helps, and what customers say about each tool. Jump to automation and AI Jump to reviews
Credit control software comparison: pricing and ratings
Chasing-focused tools do collections and little else, and cost less. Full AR platforms handle invoicing and payments as well, and cost more. Start with the accounting system you use, because it rules tools out faster than price does.
| Tool | Best for | Works with | Price from | Free trial | Watch out for |
|---|---|---|---|---|---|
| Statey | Automating statements on Xero only | Xero | £8/mo | 32 days | Statements only, no chasing |
| Satago | SMBs who want credit data built in | Xero, QuickBooks, Sage, FreeAgent | £45/mo | Yes | Reported price rises |
| Trove | Finance teams speeding up credit control with AI | Xero, QuickBooks, FreeAgent, Stripe, NetSuite and Business Central | £50/mo | 30 days | Credit control only, no extras |
| Credit Hound | Sage users | Sage, Xero, Infor SunSystems | £51/mo | Yes | Built around Sage |
| Chaser | Mid-market businesses who want debt collection | Xero, QuickBooks, Sage, NetSuite, Business Central | £199/mo | 10 days | Costs climb with revenue |
| Kolleno | Mid-market and enterprise collections teams | Xero, QuickBooks, Sage Intacct, NetSuite, Business Central | £650/user/mo | Not published | Per-user pricing adds up |
| Lunos.ai | B2B AR teams who need AI dispute handling | Xero, QuickBooks, NetSuite | 0.3% of collections | Not published | Only three reviews |
| Upflow | B2B SaaS and scaling companies, often US | Xero, QuickBooks, NetSuite, Sage Intacct | On request | Not published | No published pricing |
| ezyCollect | SMBs who want a customer payment portal | Xero, NetSuite, Sage, Dynamics 365 | On request | Yes | Sync issues in reviews |
Prices, integrations and ratings checked 27 Oct 2026.
For more detail, see the three heavier platforms head to head in Chaser, Kolleno and Upflow compared, or the alternatives and pricing round-ups for Chaser, Satago, ezyCollect, Statey and Credit Hound.
Find credit control software for your accounting system
- Xero. All nine tools above connect to Xero. We’ve compared the best invoice chasing software for Xero users.
- QuickBooks. Satago, Trove, Chaser, Kolleno, Lunos.ai and Upflow.
- Sage. Credit Hound is built for Sage. Satago, ezyCollect and Chaser also connect to Sage, and Kolleno and Upflow to Sage Intacct.
- Business Central. Trove, Chaser, Kolleno and ezyCollect. See credit control software for Business Central and how to chase overdue invoices in Business Central.
- NetSuite. Trove, ezyCollect, Chaser, Kolleno, Lunos.ai and Upflow.
- FreeAgent. Satago and Trove.
- Stripe. See invoice chasing software for Stripe users.
Your email and chat tools matter too. If your team works in Outlook and Teams, see credit control software for Xero, Outlook and Teams. For Gmail and Slack, see Xero, Gmail and Slack. For credit checks, see credit control software with a Creditsafe integration.
In Trove's manual mode you approve every reminder before it goes out. Try it free for 30 days, or book a 30-minute demo to see it first.
What credit control software costs in the UK
Published prices in this category run from £8 a month to £650 per user per month, which is Kolleno’s entry plan. Larger businesses can pay more: Kolleno’s higher tier is £1,245 per user per month, as in the enterprise comparison below. The more expensive platforms generally sit in the ‘full AR platform’ band and include invoicing and payments.
| Band | Monthly price | What you get | Tools |
|---|---|---|---|
| Statements only | £8 to £40 | Automated statements with age analysis, no chasing workflow | Statey |
| Credit control focused | £45 to £199 | Reminder sequences, sending from your domain, Xero sync, reporting | Satago, Trove, Credit Hound, ezyCollect, Chaser |
| Full AR platform | £599+ or on request | Invoicing, payments, collections, advanced reporting | Chaser, Kolleno, Upflow |
Most tools run some kind of free trial: Chaser offers 10 days, Trove offers 30 and Statey offers 32. A trial tests the things a pricing page won’t tell you: how fast setup actually is, how support responds when something breaks, and whether you recover any money during the trial window itself. Here’s what to test on a credit control software free trial, and which tools offer one.
How to choose
Three questions to ask, in order
- Do you need the extras yet? Advanced reporting, CRM integrations and risk scoring sit on higher tiers or heavier platforms. Many businesses don’t need them yet. If you’re unsure, pick a tool with a real entry-level plan and an upgrade path rather than buying capability you might grow into.
- What’s your budget? Work out the number you’d actually pay at your volume, not the headline. Per-user and percentage models diverge from the advertised price fastest.
- Who is doing the chasing day to day? Once there’s more than one person doing the chasing, coordination becomes the problem - see what finance teams need. For a large business or corporate group running several entities, the enterprise comparison below covers pricing at scale, ERPs and security.
What to test in a demo or free trial
A demo shows you the tool working on someone else’s data. A trial shows you how it handles yours. Whichever you start with, test these five things:
- Approval before sending. Can you review every email before it goes out, and does anything send during the trial without you switching it on?
- Switching from your current tool. Can you bring your templates and customer exclusions across, and how will you avoid chasing a customer twice while both tools are live?
- Excluding customers. Can you stop chasing specific accounts without turning reminders off for everyone?
- Integrations beyond your ledger. Check your CRM or practice management system, your payment provider and any credit checking tool, not just your accounting software.
- Replies. Reply to a test reminder with “paid yesterday” and see what the tool does next.
Here’s more on what to test on a credit control software free trial.
If you’re still unsure, start at the £45 to £50 entry point with Satago or Trove and upgrade if you outgrow it. Once you’ve picked something, here’s how to roll out automated credit control without losing control of the process.
Credit control software by business size
The tools above serve very different businesses. What changes as you grow is who does the chasing and what the tool has to connect to, so the right shortlist looks different for an owner chasing their own invoices, a finance team sharing the work, and a corporate group running several entities.
Credit control software for UK small businesses
Service businesses, construction firms and fast-growing companies tend to carry the most overdue invoices. In a small business, chasing usually falls to the owner or a part-time bookkeeper, between everything else.
It’s time to automate once any of these is true:
- You spend more than an hour a week chasing.
- You have more than ten invoices overdue at once.
- You’re working out late fees manually.
Xero’s built-in invoice reminders are the free starting point. You outgrow them when you need different schedules for different customers, or want reminders to come from your own email address instead of from Xero.
Cost is rarely what stops a small business. Statement tools start under £10 a month and full chasing tools under £55. The accounting system you use narrows the shortlist faster than price does:
| Tool | Starting price | Works with | Key features |
|---|---|---|---|
| Statey | £8/month | Xero | Low-cost statement automation |
| Satago | £45/month | Xero, QuickBooks, Sage, FreeAgent | Credit risk data plus chasing |
| Trove | £50/month | Xero, QuickBooks, FreeAgent, Stripe | AI chasing, statements and late fees from your own inbox |
| Credit Hound | £51/month | Sage, Xero, Infor SunSystems | Native Sage support |
| ezyCollect | Not published | Xero, NetSuite, Sage 300, Sage Intacct, Dynamics 365 | Customers paying straight from the reminder |
If one person does all the chasing, pick something that mostly runs itself and upgrade later if you need to. Read what customers say about Statey, Satago, Trove, Credit Hound and ezyCollect before you decide.
Credit control software for finance teams
Once more than one person chases, coordination becomes a harder problem than reminders. Xero, QuickBooks and Sage record what each customer owes, but not who is handling them. That gap causes the same four problems in almost every team:
- Customers get chased twice by two different people.
- A payment promise sits in one person’s inbox, and nobody else knows about it.
- Nobody can see what’s already been tried with a customer.
- The finance lead can’t get a clear view of receivables without asking around.
These are the features that separate a tool built for a team from one built for a single person:
| What you need | Why it matters | Who it’s for |
|---|---|---|
| Customer ownership | Each customer has a named owner, so nobody doubles up | The team |
| Shared status view | Everyone sees where each overdue invoice stands | The team |
| Payment promise capture | A promised date is logged and followed up automatically | The team |
| Approvals | New team members’ escalations go through a reviewer first | The finance lead |
| Shared templates | Every customer hears the same tone, whoever sends it | The finance lead |
Trove’s Integrated plan is £135 a month with unlimited users, and adds a team kanban board and Slack and Teams alerts. Chaser starts at £199 a month, tiered by revenue, and covers more of the process through to debt collection. Upflow is strongest on reporting, with pricing on request.
If your team already invoices in HubSpot, its own tools cover the basics: invoice owners, automatic reminders and, on Professional and Enterprise plans, ageing reports. HubSpot added an AI collections tool, Revenue Agent, in private beta in September 2026.
Credit control software for enterprises and large businesses
Large businesses and corporate groups chase differently. Teams share the work, invoices run across several ledgers and currencies, and the tool has to connect to an ERP and a CRM rather than just an accounting package.
The first decision is whether you need a full AR platform or a credit control layer. If invoicing and payments aren’t working yet, a full platform like Chaser, Kolleno or Upflow covers the whole invoice-to-cash process, including a payment portal and cash application. If invoicing and payments already run well in your ERP, a full platform duplicates what you pay for. A credit control layer like Trove reads your ledger, chases overdue invoices and writes the activity back, without changing how you invoice.
Prices below assume a business turning over £50m to £100m. Several vendors tier by revenue or seats, so these are higher than the entry prices quoted earlier in this guide:
| Vendor | Price | Pricing model | ERPs | CRMs |
|---|---|---|---|---|
| Trove | £285/month | Fixed, unlimited users and entities | NetSuite, Business Central | HubSpot |
| Chaser | £899/month | Tiered by revenue | NetSuite, Business Central, Sage Intacct and others | Salesforce, HubSpot |
| Kolleno | £1,245 per user/month | Per user | NetSuite, Business Central, Sage Intacct and others | Salesforce, HubSpot |
| Upflow | On request | Historically a share of collected revenue | NetSuite, Sage Intacct | Salesforce, HubSpot |
Expect IT, security and procurement to ask about four things, so check them before you shortlist:
- Security. An independent certification such as SOC 2 or ISO 27001, a UK GDPR data processing agreement, where data is stored, single sign-on, role-based permissions and an audit trail.
- Implementation. Who does the setup, how long a standard ERP connection takes, and whether you can test in a sandbox first. Here’s how to implement automated credit control step by step.
- Integrations. How deep the ERP connection goes, whether it reads and writes, and whether alerts reach Slack or Teams.
- Groups. Whether you pay per entity, and whether a process built once can be cloned across every company in the group.
If you’re on Business Central, we’ve compared credit control software for Business Central separately.
See how Trove handles customer replies, approvals and late fees on your own ledger.
Compare credit control tools on automation and AI
Every tool in this category claims automation, and most now claim AI too. Here’s what actually saves time.
Credit control automation: what to look for
Every automated credit control platform sends reminders. The best stand out on workflow flexibility and sending from your own domain.
| Feature | Must-haves |
|---|---|
| Scheduled reminders - go out before and after the due date without anyone pressing send | • Sending from your domain • Different sequences for different customer types |
| Escalation rules - change the tone, channel or recipient as an invoice ages | • A different recipient per email • Slack or Teams alerts |
| Late fee calculation - works out UK statutory interest and recovery fee | • Per-customer control, so you can waive fees for accounts you don’t want to upset |
| No chase slipping through - every unpaid invoice stays in a sequence until it’s paid or paused | • Two-way sync with your accounting software • Notes, tasks and an audit trail |
| Reporting - what’s overdue, outstanding and paid | • Reports that show who’s paid, who hasn’t and what happens next |
AI in credit control: what’s useful and what’s overhyped
AI is where tools now differ most, so ask each vendor to show you a real example. It helps in three places:
- Writing reminders that don’t read like a template. Customers learn to ignore the same email arriving every seven days. Varied wording that references the actual invoice gets read.
- Handling replies. “Paid yesterday”, “wrong contact” and “we’re disputing this” each need a different response. AI that reads replies and pauses, updates or flags the invoice saves more time than AI that writes the emails.
- Flagging deteriorating payment behaviour, such as a customer who used to pay in 20 days now taking 45, before it becomes a bad debt.
The hype sits in two places: fixed rule-based schedules labelled as “AI”, and fully autonomous chasing with no human review. Be wary of any tool that sends AI replies unreviewed from day one. Here’s what an AR agent does with a customer reply, step by step.
Automated vs manual debtor management: when to make the switch
Whether to switch comes down to three tipping points. You’re raising more invoices than one person can track from memory, usually around 30 to 50 a month. Someone spends more than two or three hours a week writing chasers. Or your late payment rate is creeping up because reminders go out when someone has time, not when they’re due.
If any of those sound familiar, an automated credit control tool will usually pay for itself in time saved. Our guide on how to automate credit control covers setup step by step. For the full comparison, see credit control software vs a manual process.
Credit control software reviews and ratings
Every tool in the table rates between 4.3 and 5 out of 5, so the stars alone won't separate them. For each one below you'll find the rating, what reviewers love, the main limitation and one representative review.
Each rating comes from the platform with the most reviews to go on. Trove's own reviews are newer and fewer than the established tools here, so weigh the evidence accordingly.
Statey reviews and ratings
Reviewers love: Aged statements with 30, 60 and 90-day breakdowns, which Xero doesn't do.
Main limitation: It sends statements only, with no chasing workflow.
Nine of its 10 reviews, posted between July 2023 and August 2025, are five stars. The one criticism, from October 2023, reports incorrect statements going to a whole customer base. Statey said it was a clash with Xero's recurring invoices and has since added a warning. Here's what Statey costs and how it compares.
Incorrect statements sent
Sent incorrect statements to our entire customer base.
Lauren Anderson
Xero App Store, 13 Oct 2023
Satago reviews and ratings
Reviewers love: Invoice finance that's quick and easy to manage.
Main limitation: Price rises, with one reviewer reporting a 220% increase in 2025.
Most of its 129 Trustpilot reviews date from late 2022, and the most recent is January 2025. Reviewers mostly rate the invoice finance side. The price complaint is one review out of 129, so treat it as a prompt to confirm current pricing rather than what everyone pays. Here's how Satago compares with the alternatives, or see Chaser vs Satago.
220% price increase
The price increase equates to a 220% increase to allow us to use the features we currently use. The minimum price increase for any customer is 80%.
LightPath IT
Trustpilot, 1 Jan 2025
Trove reviews and ratings
Reviewers love: Value for money and how quickly feedback is turned into new features.
Main limitation: Scope. It does credit control only, with no invoice finance, credit risk scoring or advanced AR analytics.
All 12 reviews are five stars, all on the Xero App Store. Trove is newer than most tools here, so there's less to go on. Reviewers rate the price and how easy it is to use, and one says they now pay a third of what they paid their previous provider. The narrow scope is how it stays at £50 a month.
The essentials, without the extras
If you're looking for a credit control tool that focuses on doing the essentials really well without unnecessary extras, Trove is definitely worth considering.
Wendy Parkin
Xero App Store, 25 Feb 2026
Credit Hound reviews and ratings
Reviewers love: Seamless integration with Sage, including automatic syncing.
Main limitation: It's deliberately simple, and built around Sage.
All 12 reviews, posted between April 2022 and September 2026, are five stars. Reviewers say the automated chasing gets them paid faster, and one likes marking invoices as disputed to pause chasing. The only problem raised in the six most recent reviews, an email display issue, was fixed on a call. Here's what Credit Hound costs and how it compares.
Simply basic but in an excellent way
We have been using Credit Hound for a couple of years, and found its functionality simply basic but in an excellent way. It auto links to Sage (we have set to 15 mins) and makes debt chasing much easier, and streamlined. We had an issue with the way our email address was presenting, but a teams call with Manvir got that all resolved.
Samantha Roscoe
Sage UK Marketplace, 16 Sep 2026
ezyCollect reviews and ratings
Reviewers love: Integrated payments via Pay Now.
Main limitation: Syncing. Four of the ten most recent reviews mention data not matching their accounting system.
Most of its 25 G2 reviews were posted between 2022 and 2024, before Sidetrade bought the company in 2026. Reviewers praise the reminders running in the background, and the latest, from March 2026, singles out the payment writeback. All four reviewers with syncing problems still gave four or five stars. Here's what ezyCollect costs and how it compares.
Doesnt update and sync
To be honest, there is not much we dislike. Maybe just the updating contact details in Xero sometimes doesnt update and sync with Ezy collect. That could be better.
Durgesh J., director, small business
G2, November 2022
Chaser reviews and ratings
Reviewers love: Integrations and email scheduling, with quick setup.
Main limitation: Reporting that's too limited, and cost, especially across several companies.
G2 has its most recent reviews. It's 5/5 across 374 on the Xero App Store, but none of those include criticism, so G2 gives the more useful picture. Reviewers say setup is quick, and one connected an on-premises Sage 200 in five minutes. The reviewer below still gave five stars. Here's the full Chaser pricing breakdown and the alternatives.
Expensive
Expensive especially if used for multiple companies. However it is worth the cost as it means we don't need to expand headcount.
Eshan S.
G2, April 2026
Kolleno reviews and ratings
Reviewers love: It takes reconciliation off the team's plate.
Main limitation: Dashboards and layouts that can't be customised enough.
Its ten most recent G2 reviews were all posted in July and August 2026. Reviewers praise how much routine chasing and reconciliation it takes on, and two single out the customer payment portal. Four of those ten ask for more customisable dashboards, tables or interface, while still giving four and a half stars. Here's what Kolleno costs and how it compares.
More fully customizable
While the default analytics suite provides solid data out of the box, I do wish the main user dashboard was more fully customizable.
Jean K., mid-market
G2, August 2026
Lunos.ai reviews and ratings
Reviewers love: Big drops in overdue balances.
Main limitation: Only three reviews, all posted in August 2026.
Two reviewers describe starting in a mode where the AI suggests actions for approval, then letting it act on its own once they trusted it. Plan for a few weeks of supervision rather than switching it on and walking away.
Took some trust-building at the start
Getting comfortable enough to move customers into full Act mode took some trust-building at the start. After the first month that hesitation was gone.
Richard A., assurance manager, mid-market
G2, August 2026
Upflow reviews and ratings
Reviewers love: Intuitive, detailed reporting.
Main limitation: How the reminder email looks to customers, and reporting that could be more flexible.
Its 234 G2 reviews run up to July 2026. Reporting is both what reviewers value and what they most want improved: two five-star reviewers asked for more control over formats, custom fields and dashboards. The email complaint comes from one reviewer, who still gave four stars. Here's what Upflow costs and how it compares.
Seems a tad bit scammy
I think the actual deliverable, the email, seems like a tad bit scammy. Because it provides a link and there's payment information. We did put our custom signature in there, but I wish it was a little bit more professional looking.
Zack M.
G2, December 2025
What is credit control software
Getting paid has three stages: you send the invoice, most customers pay, and you chase anything that’s late. Accounts receivable covers all three. Credit control software automates the third.
Accounts receivable vs credit control software: what’s the difference?
Accounts receivable software covers the whole invoice-to-cash process: raising invoices, taking payment and chasing what’s late. Credit control software handles the last part. If your accounting system already raises invoices and takes payments, credit control software is the piece you’re missing.
The same product is sold under several names:
| Term | What it covers | Where it’s used |
|---|---|---|
| Accounts receivable (AR) | The whole invoice-to-cash process | Everywhere, as the umbrella term |
| Credit control | Chasing overdue invoices, plus credit risk and limits | Mainly UK |
| Debtor management | Effectively the same as credit control | Mainly Australia and New Zealand, and the Xero App Store |
| Dunning | The automated reminder sequence, without the credit risk side | Mainly US. See what affordable dunning software costs |
| Credit management | Credit checks and limits before you give terms, then collection | UK, often alongside a credit reference agency such as Creditsafe or Atradius |
Searching for debtor management or dunning software surfaces broadly the same tools. Searching for an accounts receivable platform gives you a heavier feature set and a higher price.
Frequently asked questions
Is credit control software worth it for a small business? If late payments are costing you time or cash flow, usually yes. If a £50 tool gets invoices paid a week sooner, it pays for itself quickly. If you have a handful of reliable customers and rarely chase anyone, Xero’s free reminders may be enough. Our guide to credit control software vs a manual process covers how to tell when you’ve outgrown them.
What’s the best software for managing overdue invoices? It depends on your accounting system and who does the chasing. If you’re on Xero or QuickBooks and one person chases part-time, a flat-price tool that sends reminders and statements is usually enough. If several people chase across more than one entity, look at per-user platforms with deeper ERP integration and task management. Prices run from £8 a month to £650 per user per month, so it pays to work out which camp you’re in first. The comparison table above shows price, integrations and ratings for nine tools side by side.
Is credit management software the same as credit control software? Mostly, and many vendors use the terms interchangeably. Credit management software usually adds credit checks, credit scores and credit limits for deciding who gets terms. Credit control software focuses on getting invoices paid once they’re sent. If late payment is your problem, credit control software is what you need. If you also want to vet new customers, look for one with credit checks built in, or pair it with a credit reference agency. Debtor management and dunning are other names for much the same thing, compared in the table above.
What’s the difference between credit control software and a debt collection agency? Credit control is the ongoing process of chasing invoices so they get paid on time, done by you or a tool on your behalf, at a fixed monthly cost. A debt collection agency takes over after that’s failed, recovering the debt for a fee or a cut of what they collect, usually 10% to 25% of the amount recovered for commercial debt, more for balances that are older or harder to collect. Software is prevention. An agency is recovery. Good credit control reduces how often you need one. Here’s when to use each, and how to hand an invoice over.
Does credit control software integrate with accounting systems? Almost all of it does, through a two-way sync that pulls in invoices and payment status and writes chasing activity back. All nine tools in this guide connect to Xero, and the list above shows which work with your system. QuickBooks, Sage, NetSuite and Business Central support varies by tool and often by plan, so check the plan you’d be on, not just the vendor’s integrations page. Trove connects to Xero, QuickBooks, FreeAgent and Stripe on every plan, and to NetSuite and Business Central on its Advanced plan.
Can it charge late payment fees automatically? Some tools can. UK businesses can charge statutory interest at 8% above base rate on overdue B2B invoices, plus a fixed recovery fee of £40, £70 or £100 depending on invoice value. Xero won’t calculate or raise these. Tools with late fee automation work out what’s owed and raise it as a separate invoice. Our guide to UK late payment fees covers how to apply them.
Do I need this if I already use Xero’s reminders? Not always. Xero’s built-in invoice reminders are free and fine for simple needs. You outgrow them when you hit the five-reminder cap, need different schedules per customer, find reminders going to spam or the wrong contact, or want to charge late fees.
How do I switch credit control software without chasing customers twice? Export your templates and your list of excluded customers from the old tool first, because you may lose access to them once you cancel. Check its notice period, and let its last scheduled reminders go out before the new tool starts. Then run the new tool in manual or approval mode for the first cycle, so you can check every email before it sends. Here’s how to roll out automated credit control step by step.
Can you try credit control software for free? Most tools offer a free trial rather than a free plan. Published trials run from 10 days (Chaser) to 32 days (Statey), and Trove’s is 30 days. ezyCollect offers a free trial but doesn’t publish its length. Kolleno, Upflow and Lunos.ai don’t publish a trial, so you’ll need to ask. Our guide to credit control software free trials compares what each trial includes.
How do these platforms use AI? Trove and Lunos.ai are the most focused on AI. Trove reads customer replies, drafts the response and logs expected payment dates in your accounting software. Lunos.ai uses AI to handle disputes, and reviewers describe starting in a mode where it suggests actions for approval before letting it act on its own. The other tools are less public on how they use AI, so ask to see it in a demo.
Trove reads customer replies, drafts the response and logs promised payment dates back to your accounting system. It runs a free 30-day trial and connects to Xero in about 15 minutes. You can start a free trial here or book a demo if you’d like to see it first.
