Chaser and Upflow both automate invoice chasing, but they’re aimed at quite different businesses. Chaser is built for small to mid-sized companies that want to stop chasing invoices manually. Upflow is built for mid-market and enterprise finance teams that want to professionalise their entire accounts receivable operation.
If you’re evaluating both, the honest answer is that they’re not really competing for the same customer. This article explains who each tool is actually designed for, what the key differences are, and where a third option might be worth considering.
Chaser and Upflow pricing comparison
Both companies have pricing that is structured around your company’s Annual Recurring Revenue (ARR), which means costs scale with the size of your business.
However, Chaser publishes its entry-level pricing. It starts at £199 per month for businesses with a turnover under £4 million. The next tier at £599 per month.
Meanwhile Upflow does not publish pricing. Historically, Upflow has billed as a percentage of revenue collected, which makes it difficult to predict costs.
Different target customers
Chaser Example customers: Minor Figures, Pact Coffee, Bright Network
Chaser is a UK-based product and its example customers reflect that. They are 100+ employee companies across diverse industries based in the UK. Its core pitch is straightforward: connect to Xero or QuickBooks, set up a reminder sequence, and stop chasing invoices manually.
It integrates well with the accounting tools most UK SMBs already use and has a built-in pathway to debt collection if reminders don’t work.
Upflow Example customers: Lattice, Instawork, Postman
Upflow is a US-headquartered product aimed at mid-market and enterprise B2B companies. A lot of their customers are tech companies based in San Francisco. It positions itself as a “Financial Relationship Management” platform rather than a simple reminder tool.
The emphasis is on analytics, cash flow forecasting, and giving finance teams full visibility across their AR operation. Its integrations highlight NetSuite, Stripe and Chargebee, which reflects its typical customer: a scaling tech company or larger B2B business.
An alternative tool for invoice collections
There are two reasons to look for a different tool:
- Their pricing is too high
- Neither tool is aimed at your type of business
If that’s the case, Trove is an alternative. Unlike the other tools, Trove only has fixed monthly pricing. That means the cost does not vary with your revenue. Trove also targets a different type of business. It is aimed at businesses with small finance teams - or no finance team where the owner is still doing the heavy lifting. This does mean it has fewer features and does not support Sage specifically.
Feature comparison
Here is a comparison of all three tools side-by-side:
| Feature | Trove | Chaser | Upflow |
|---|---|---|---|
| Pricing starts at | £50/month | £199/month | Upon request |
| Type of pricing | Fixed price | Based on revenue | Based on revenue |
| Automated payment reminders | ✅ | ✅ | ✅ |
| Sends from your own domain | ✅ | ✅ | ✅ |
| Multiple workflows | ✅ | ✅ | ✅ |
| Customer payment portal | ✅ | ✅ | ✅ |
| Cash flow forecasting | - | ✅ | ✅ |
| Advanced AR analytics and dashboards | - | - | ✅ |
| Debt collection services | - | ✅ | - |
| Credit checks | - | ✅ | - |
| Xero, Quickbooks, Stripe integrations | ✅ | ✅ | ✅ |
| NetSuite integration | ✅ | ✅ | ✅ |
| Sage integration | - | ✅ | ✅ |
| Published pricing | ✅ | ✅ | - |
| Free trial | ✅ 30-day | ✅ 14-day | ✅ Analytics only |
Where Chaser is stronger
Debt collection services. Chaser includes an integrated route to debt collection if automated reminders fail. That’s a meaningful differentiator for businesses that occasionally need to escalate beyond email chasing.
Credit checks. Chaser offers credit checking on higher-tier plans, which helps you assess the risk of new clients before extending payment terms.
Simpler setup for small businesses. Chaser is designed to be quick to set up and easy to maintain for businesses without a dedicated finance team. If you’re a small business owner or an accountant managing collections for clients, Chaser’s interface is built for that use case.
Predictable pricing. At £199/month, Chaser’s entry plan is straightforward. You know what you’re paying. Upflow’s revenue-based model means costs can be harder to forecast.
Where Upflow is stronger
Analytics and reporting. Upflow’s dashboards are significantly more sophisticated than Chaser’s. If you need detailed AR analytics - DSO tracking, billing cohort analysis, cash flow forecasting, risk scoring by account - Upflow is the better tool. Both products offer forecasting, but Upflow’s is more advanced and built for finance teams that need it as a primary decision-making tool.
Cash collection workflows. Upflow’s automation is more configurable at scale - you can build more complex rules around customer segmentation, invoice types, and escalation triggers. For businesses managing a large, varied receivables book, that depth matters.
Scale. For businesses managing a high volume of invoices across complex customer relationships, Upflow’s workflow customisation and team collaboration features are more powerful. It’s built for finance teams, not just business owners.
Where Trove is stronger
If you’re a small UK business or neither Chaser’s £199/month starting price nor Upflow’s revenue-based pricing appeals, Trove is a great alternative.
Trove starts at £50/month and covers the core functionality most small businesses actually need: automated reminders from your own email address, multiple workflows by customer type, pre-due-date reminders, email bounce monitoring, and direct integrations with Xero, Stripe, Quickbooks and NetSuite. For businesses that outgrow their accounting platform’s native reminders but don’t need the full weight of Chaser or Upflow, it’s worth a look. A 30-day free trial is available here.
Which should you choose?
Choose Chaser if:
- You’re a mid-sized UK business that wants an automated chasing tool
- You occasionally need built-in debt collection
- You run credit checks as part of your process for working with new customers
Choose Upflow if:
- You’re a scaling or mid-market business with a finance team that needs full AR visibility
- Advanced cash collection workflows and analytics are important to your operation
- You’re running NetSuite and want deep integration
- You’re comfortable with quote-based, revenue-linked pricing
Consider Trove if:
- You want fixed pricing that is not revenue-based
- You want to focus on reducing your unpaid invoices without all the bells and whistles
- You want to start with a 30-day free trial before committing
