We’ve compared the three tools UK Xero users ask us about most. Pick Trove if you want automated chasing at a fixed £65 a month with your whole team on it, Satago if you also want credit checks and invoice finance, and Chaser if you might need a debt collection route built in.
We build Trove, so we’ve stuck to published prices and features you can check yourself.
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 £45 to £199 a month for the key functionality.
Invoice with Stripe instead? See invoice chasing software for Stripe users.
On Business Central instead? See credit control software for Business Central.
Which invoice chasing software suits you
| Your situation | Start with | Why |
|---|---|---|
| Fewer than five overdue invoices at a time, and customers who mostly pay on time | Xero’s built-in reminders | Free, and five reminders is usually enough |
| You want automated chasing at a fixed price, with your whole team on it | Trove, Essential plan, £65 a month | Unlimited users, workflows by customer type, invoice-level contacts and bounce monitoring |
| You also want credit checks or to borrow against your invoices | Satago, Premium plan, £80 a month | Credit reports and invoice finance in the same tool |
| You might need to hand debts to a collections partner | Chaser, Compact plan, £199 a month | A debt collection pathway built in, at extra cost. Up to 4 users |
Prices from each vendor’s pricing page, checked October 2026.
If you’re still not sure, start with the free trial of whichever row fits best. Thirty days of real chasing tells you more than any comparison.
Invoice chasing software vs Xero’s payment reminders
Xero’s payment reminders are free and they work. If you have a handful of reliable customers, they may be all you need.
The limits show as you grow. Xero sends up to five reminders per invoice, on one schedule for every customer, to every contact on the account. It won’t escalate to a senior contact, pause when a customer agrees a payment date, or put several overdue invoices into one email. Here’s our full guide to Xero’s built-in reminders and their limits.
Xero is working on it. Its August 2026 reply on the Xero product ideas board says personalised follow-up plans that go beyond the 5-reminder limit are in development. There’s no release date yet.
Our rule of thumb: if you often have more than five invoices overdue at once, or someone spends more than two hours a week chasing, invoice chasing software will pay for itself.
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. Options to send different reminders to different customers.
Beyond this, there are some nice-to-haves like automatic late fees, payment plans and debtor reporting.
Why automated invoice chasing pays for itself
Most of the value is in the first two reminders. Of the invoices chased through Trove and then paid, half were paid after the first reminder and another quarter after the second. That’s about 75% of paid invoices in by the second email. Here’s the full data on how many reminders to send.
So the tool you choose has to send those two reminders reliably, on time, to the right person. All three tools here do that. Where they differ is the last 25%: customers who reply with a question, a promised date or a dispute, and the ones who don’t reply at all. That’s where workflows by customer type, invoice-level contacts and a collections route earn their keep.
Setting this up for the first time? Here’s how to automate your credit control process.
Comparison: 3 tools for chasing unpaid invoices in the UK (2026)
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
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: £65 / 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
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
Chasing overseas customers? Here’s how to chase overseas customers from the UK.
| Trove | Chaser | Satago | |
|---|---|---|---|
| Plan compared | Trove Essential | Chaser Compact | Satago Premium |
| Price | £65/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 plan | Unlimited | 4 | Unknown |
| Free trial | 30 days | 10 days | None (digital onboarding instead) |
Prices from each vendor’s pricing page, checked October 2026. Satago’s Basic plan is £45 a month, but it caps you at 100 email reminders a month and doesn’t send from your own email account.
Invoice chasing software for Xero: common questions
What is invoice chasing software?
Software that connects to your accounting system, watches for overdue invoices and sends reminders for you on a schedule you set. Good tools send from your own email, pick up payments from Xero so they stop chasing as soon as an invoice is paid, and let you set different schedules for different customers.
How much does invoice chasing software cost?
From £45 to £199 a month for the three tools here. Trove is £65 a month with unlimited users, Satago’s Premium plan is £80 and Chaser’s Compact plan is £199 for up to four users. Debt collection with Chaser costs extra.
Is Xero’s invoice reminder feature enough?
For fewer than five overdue invoices at a time, usually yes. Beyond that, the five-reminder cap and the single schedule start to cost you time and cash.
Will my customers know the reminders are automated?
Not if they come from your own email address and read like you wrote them. All three tools can send from your own email, though on Satago you need the Premium plan or above.
Does this work if I take payments through Stripe or use Business Central?
Yes, but the best tool changes. Here’s our guide to invoice chasing software for Stripe users, and one to credit control software for Business Central.
Still not sure? Start with a free trial
- Trove offers a free 30-day trial of its software. Sign up here.
- Chaser offers a free 10-day trial of its software. Sign up here.
- Satago does not have a free trial but offers digital onboarding.
For a look at the wider market of credit control software, see our 2026 guide .
