Summary

  • Xero’s built-in reminders work for simple businesses with only a few unpaid invoices on the books each month.
  • Get a dedicated chasing tool if your unpaid invoices increase each month or the team’s time gets sucked into chasing.
  • Automatic invoice chasing is the key feature to look for with late fees, payment plans and reporting a nice-to-have.
  • Three credit control tools compared: We look at Satago, Trove and Chaser, three tools that automate chasing unpaid invoices with different strengths.
  • Prices range from £50 to £199 a month for the key functionality.

When to stick with Xero’s built-in reminders

Xero’s built-in reminders work if you have a low number of unpaid invoices - up to around 5. In this case, don’t overcomplicate it. Turn on Xero’s built-in reminders and see where they get you.

See our guide to Xero’s built-in reminders here.

If you have more than 5 unpaid invoices and you are seeing them suck up the team’s time and energy, look for a dedicated credit control tool.

What to look for in an invoice chasing tool

Here are the non-negotiable features that support automatic invoice chasing:

✔️ Sends from your email. Reminders sent from a generic email are likely to be ignored.
✔️ Xero sync. Read from Xero and write updates back to keep everything in sync.
✔️ Automatic statements. Send regular statements alongside payment reminders.
✔️ Flexible workflows. Opions to send different reminders to different customers.

Beyond this, there are some nice-to-haves like automatic late fees, payment plans and debtor reporting.

Comparison: 3 tools for chasing unpaid invoices in the UK (2026)

Satago

Satago

Best for: Xero users who want credit checking and invoice finance alongside invoice chasing.

Satago bundles three things together: invoice reminders, credit risk checking, and invoice finance. For Xero users who want all three in one place, it’s a great option.

However, if your main problem is invoice chasing, Satago’s plan comes up with limitations. The £45 / month entry pricing does not send from your own email domain and is limited to 100 reminders a month.

Both of these issues are fixed on the Premium plan (£80 / month).

Pricing: £80 / month on the Premium plan.
This covers sending from your own email, Xero sync, automatic statements and unlimited email reminders.

Plus…
✔️ Credit reports
✔️ Sector concentration risk
✔️ Real-time credit risk notifications

See a full list of Satago alternatives here.

Trove

Trove

Best for: SMBs who invoice chasing only at a fixed monthly price.

Trove is a Xero Growth App 2026, recognised for solving a gap in the Xero product.

It focuses on the core problem of chasing unpaid invoices and has all the features you need to do this: payment plans, late payment fees, email bounce monitoring, debtor reporting.

You can also filter customers into different workflows by location, amount overdue, product sold and many more. See our full guide to how this works on Trove.

Pricing: £50 / month on the Essential plan.
This covers sending from your own email, Xero sync, automatic statements and unlimited email reminders.

Plus…
✔️ Late fees and payment plans
✔️ Email bounce monitoring
✔️ Unlimited team members
✔️ Debtor reporting

Chaser

Chaser

Best for: Companies who may need integrated debt collection.

Chaser has been integrated with Xero since 2014 and has a long track record in the category. It does all the must-dos but also has a route to debt collection if an invoice remains unpaid.

This is important if you have high-value invoices that you can’t afford not to collect.

Pricing: £199 / month on the Compact plan.
This covers sending from your own email, Xero sync, automatic statements and unlimited email reminders.

Plus…
✔️ Debt collection pathway (at an additional cost)
✔️ Up to 4 team members

Review all Chaser alternatives here.

Three tools compared for chasing Xero invoices

TroveChaserSatago
Price£50/month£199/month£80/month
Credit risk insights--✅
Integrated invoice financing--✅
Email bounce monitoring✅--
Multiple workflows by customer type✅✅✅
Invoice-level contacts✅--
Late payment fees✅✅-
Debt collection-✅-
Users on basic planUnlimited4Unknown

Still not sure? Start with a free trial

For a look at the wider market of credit control software, see our 2026 guide .