Affordable credit control software: Statey, Trove, Satago and ezyCollect compared (2026)

Facts checked July 2026.

In a nutshell: there’s a category of credit control tools for small businesses that all sit under £100 a month, but they don’t do the same job. Statey is best for statements-only automation, Satago for integrated credit-risk data, ezyCollect for a built-in payment portal and Trove for chasing unpaid invoices. Here’s what each costs and what that price includes. It’s part of our full guide to choosing credit control software.

Summary

• Statey: best for a business that only needs automated Xero statements, with 30, 60 and 90-day age analysis on the statement. Statements only, no chasing. From £8/month (£40 to send from your own domain).
• Satago: best for a UK business that wants automated chasing with Experian credit-risk data built in. From £45/month, though unlimited reminders from your own email start at £80.
• ezyCollect: best for a more fully-fledged accounts receivable platform that includes payment options on your invoice (e.g. a ‘pay now’ button). From $125 (£98) according to third party sites like Capterra.
• Trove: best for a UK small business on Xero that wants consistent invoice chasing at a fixed price. From £50/month with a 30-day trial.

The four compared

Tool	From	Pricing model	What it does	Best for
Statey	£8/month	Two flat tiers	Automated Xero statements only	Businesses that only need regular statements sent
Satago	£45/month	Tiered (Basic to Platinum)	Chasing plus Experian credit risk	Teams wanting credit-risk data integrated into credit control
Trove	£50/month	Fixed, flat	Chasing, late payment policies and reporting	Small businesses on Xero focused on collecting unpaid invoices
ezyCollect	$125/month (about £98)	Per feature, by debtor count	AR automation including payment options	Finance teams who want an all-in-one solution including payments

Prices checked July 2026 from each vendor’s own pricing page, except ezyCollect, which doesn’t publish pricing (figure from Capterra). USD converted at roughly £0.79 to the dollar.

Best for: a business that only wants its monthly statements sent automatically, with age analysis included.

Statey does one job: automated customer statements for Xero. It’s the cheapest option here at £8/month and the only one that buckets invoices into 30, 60 and 90-day age analysis on the statement itself.

There are two things to know about the £8 Starter plan:

1. Statements will carry a Statey watermark
2. Emails will be sent from Statey’s own email address rather than yours

Removing the watermark and sending from your own domain moves you to £40/month.

Statey doesn’t offer any support with chasing unpaid invoices but for a business with reliable payers that just needs a tidy monthly statement, that’s fine. If not, we’ve compared the Xero statement add-ons in more detail here.

Best for: a UK business that wants automated chasing with credit-risk data built in.

Satago pairs credit control with Experian risk insights - customer credit scores, suggested credit limits and real-time alerts when a customer’s score moves. It’s UK-built, integrates with Sage and Xero and also offers invoice finance if you need to advance cash against unpaid invoices.

Pricing starts at £45/month on the Basic plan but this caps you at 100 email reminders a month and doesn’t let you send them from your own email address. For unlimited reminders and own-email sending you need Premium at £80/month.

Still, if credit-risk data is the reason you’re shopping, Satago is one of the few affordable tools that builds it in.

Best for: Small businesses on Xero focused on collecting unpaid invoices.

Trove automates the manual work of chasing invoices: reminders from your own email address, different workflows by customer type, pre-due-date nudges and statements alongside. You can also use Trove to apply late payment policies and monitor for bouncing emails.

The entry plan is fixed at £50/month and includes all the features above as well as unlimited team members. If you want to start plugging in your CRM, Slack, MS Teams or webhooks, it’s the next tier up at £135/month.

If the job is getting overdue invoices chased consistently via your own email domain, Trove is the best value for money here.

Best for: Finance teams who want an all-in-one solution including payments.

ezyCollect, now part of Sidetrade, is an accounts-receivable and credit-risk platform aimed at growing SMEs. It automates reminders but importantly also takes online payments. If you are looking for more of an end-to-end solution that’s still on the affordable side, ezyCollect is worth a closer look.

Pricing isn’t published but third-party site Capterra lists it from $125/month (about £98).

How to choose

Work back from what you actually need:

• Statements only, reliable payers: Statey does that one job for the least money.
• Integrating credit-risk data: Satago is the one.
• Focused on chasing unpaid invoices: Trove is 100% focused on this job.
• Looking for a platform that includes payments: ezyCollect is the only one with this functionality.

If you’re also weighing the heavier platforms, our comparison of Chaser, Kolleno and Upflow covers the step up in price and features, and the full guide profiles the wider field.

For what each of these costs and how the pricing models differ, see our affordable credit control software pricing breakdown.