Credit control software compared: Chaser, Kolleno and Upflow (2026)

Facts checked June 2026.

Chaser, Kolleno and Upflow are three of the most-compared credit control tools, especially for mid-market businesses and bigger finance teams. They’re easy to confuse because they overlap on the basics: all three automate invoice chasing and all three now take payments. Where they differ is what they do beyond chasing and who they’re built for. Chaser is a focused credit control tool with a built-in route to debt collection. Kolleno is a broader platform that also handles invoicing and reconciliation, built for a finance team to collaborate in. Upflow wins on analytics and is aimed at scaling B2B and SaaS companies. This guide compares all three on who they’re for, features and 2026 pricing, and where a lighter alternative fits for smaller businesses. It’s part of our full guide to choosing credit control software.

Summary

• Chaser: best for teams collaborating on credit control, with payor analytics, forecasting and a built-in debt collection route. Primarily UK mid-market. From £199/month.
• Kolleno: best if you want invoicing, payments and reconciliation alongside collections, run by a finance team together. Mid-market and enterprise. From £650/user/month.
• Upflow: best for AR analytics and reporting in a scaling B2B or SaaS company. ARR-based, quote-only pricing (around $440/month via third parties).
• Trove: best for a UK small business on Xero that wants a more focused credit control tool at a fixed price. From £50/month with a 30-day trial.

Who each tool is for

Chaser

Sample logos (source: Chaser website, June 2026)

Chaser is a UK product, and its customers are typically UK companies of 100 to 200 employees in traditional industries like FMCG, media and recruitment. It’s the most focused of the three: connect your ERP (everything from Sage to Quickbooks), set up reminder sequences, take payment through Chaser Pay, and escalate to debt collection if chasing fails. That focus suits slightly smaller finance teams who are already using something else for invoicing.

Kolleno

Sample logos (source: Kolleno website, June 2026)

Kolleno is headquartered in London and aimed at mid-market and enterprise finance teams, across tech, manufacturing and insurance, with case studies like Rakuten and Drata. It’s the broadest of the three: alongside collections and payments it also issues invoices and reconciles them, and it’s built for a team to run collections together rather than for a single operator.

Upflow

Sample logos (source: Upflow website, June 2026)

Upflow is US-headquartered and aimed at scaling and enterprise B2B companies, many of them tech and SaaS businesses based in San Francisco. It calls itself a “financial relationship management” platform rather than a reminder tool, and the emphasis is on analytics, cash flow forecasting and full AR visibility. Its integrations - NetSuite, Stripe, Chargebee, Zuora - point to venture-backed, recurring-revenue companies.

Feature comparison

All three chase invoices and take payments. Beyond that, each one leads on something different.

Chaser leads on

• Payor analytics and debt collection. Chaser provides credit monitoring, payer ratings and late payment predictions as well as a built-in escalation to a no-win-no-fee debt collection service.
• Late fees and early payment discounts. Chaser also markets ways to incentivise customers to pay with late fees and early payment discounts to nudge customers to pay sooner.

Kolleno leads on

• Breadth. Invoicing, payments and reconciliation alongside collections in one platform, so more of the receivables cycle lives in a single system.
• Support for difficult collections. Kolleno does not pretend every collection case is straightforward. It leans into the trickier cases, providing AI-led support on dispute management and credit risk management.

Upflow leads on

• AR analytics and reporting. DSO, ageing balance, billing cohort analysis, forecasting and at-risk accounts - the strongest reporting of the three.
• Customer payment portal and AI. A self-service payment portal, plus newer AI features such as automatically suggested “promise to pay” tags to sharpen cash forecasting.

In a nutshell: Chaser for carrot and stick of collections, Kolleno for running more of the receivables cycle with a team, and Upflow if you’re looking for granular reporting and the smoothest customer payment experience.

Pricing in brief

The four price very differently, and three of them are in pounds while Upflow prices in dollars by annual recurring revenue. Chaser publishes turnover-based plans from £199/month. Kolleno charges per user from £650/user/month. Upflow doesn’t publish pricing; third-party sites suggest entry plans from around $440/month. Trove is fixed from £50/month. For the full breakdown of what each costs and what the pricing structure tells you, see our credit control software pricing comparison.

A lighter alternative: Trove

There are two common reasons none of the three fits: the pricing is built for a bigger business than yours or you don’t need all the features in the platform - perhaps you already use Xero for invoicing and payments. If you’re a small business that just wants to get invoices paid, all three can be heavier than the job requires.

In that case, Trove is a lighter alternative. Here’s the quick tour.

Trove target customers

Trove works with small and mid-sized businesses with turnover up to around £30 million, across the UK, Australia, New Zealand, Canada and the US. Its customers tend to use Xero, FreeAgent, NetSuite and Stripe, and many have a small finance team, or no finance team at all, with the owner still doing the chasing.

Trove features

Trove is a focused product that does one job: collect unpaid invoices. Among its capabilities are:

• Send invoice reminders on your schedule, from your own email domain
• Run per-customer reminder sequences and pre-due-date reminders
• Calculate and raise UK late payment fees automatically
• Onboard unlimited users across your team

Trove deliberately doesn’t offer invoicing, payment reconciliation or in-house debt collection. If you need those, one of the three tools above will serve you better.

Trove pricing

Starts at £50/month (fixed, no turnover limit), with a top tier at £285/month for multi-entity needs and NetSuite or Dynamics integration. Because pricing is fixed rather than scaled to your size, the cost doesn’t climb as your turnover grows or you add team members.

Feature comparison

Here’s how the four compare side by side.

Feature	Chaser	Kolleno	Upflow	Trove
Pricing starts at	£199/month	£650/user/mo	~$440/mo (unconfirmed)	£50/month
Invoice reminders	✅	✅	✅	✅
Take payments	✅	✅	✅	-
Issue invoices	-	✅	-	-
Payment reconciliation	-	✅	✅	-
Debt collection pathway	✅	-	-	- (refers)
Credit checks / risk	✅	✅	-	-
Dispute management	-	✅	-	-
UK late payment fee automation	✅	No mention	✅	✅
Free analytics tier	-	-	✅	-
Xero, QuickBooks, FreeAgent	✅	✅	✅	✅
NetSuite, Sage, ERPs	✅	✅	✅	✅
Free trial	✅ 10-day	-	Analytics only	✅ 30-day

Which should you choose?

Choose Chaser if:

• Your main job is focused credit control
• You occasionally need a built-in route to debt collection
• You’re a relatively small finance team

Choose Kolleno if:

• You want invoicing, payments and reconciliation alongside collections
• You’re a larger finance team that needs to collaborate in one platform
• Dispute management and credit risk are central to how you collect

Choose Upflow if:

• You’re a scaling or enterprise B2B company, particularly tech
• Best-in-class AR analytics and cash flow forecasting are central to how you work
• You want to involve sales and account teams in collections

Consider Trove if:

• You’re a small business on Xero
• You want a focused system that automates the process of collecting unpaid invoices
• You want fixed pricing that doesn’t scale with turnover or headcount

Compare them head to head

For the detail on any pairing, we’ve compared each two of them directly: Chaser vs Upflow, Kolleno vs Upflow and Chaser vs Kolleno. For the pricing detail on all three, see the credit control software pricing comparison, and the credit control software guide profiles the wider field.