Facts checked September 2026.
Summary
- What characterises enterprises credit control. Multiple team members, ledgers and currencies, managed in specific ERPs and CRMs characterises enterprise credit control.
- Four vendors to compare. Chaser, Kolleno, Upflow and Trove, at published tiers from £285 to £899 a month. Jump to the comparison
- Pricing often varies on revenue and users. Only one of the four is a flat fee. The rest step up with turnover or headcount, so get a quote before committing. Jump to pricing at scale
- Entities can add to the cost. Groups often run multiple ledgers and some vendors charge for each one.
- AR platform or credit control only. The decision often hinges on whether you need invoicing and payments or just credit control. We look at which vendors provide each below.
What enterprise credit control involves
Four characteristics make enterprise credit control distinct from collections in smaller companies.
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Chasing is a team activity. Three or more people coordinating across several ledgers need a shared record of activity and ideally a way to assign different people to different tasks.
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There is more than one ledger. Groups, subsidiaries and acquired companies often have their own ledger and you need to run one consistent process across them all.
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Invoices span markets and currencies. Different payment norms, different statutory rights on late payment, sometimes different languages. One chase sequence stops being appropriate.
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The accounting system is an ERP. NetSuite, Microsoft Dynamics 365 Business Central, Sage Intacct. Integration depth matters.
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You need a connection to your CRM. At enterprise scale, finance teams often work with sales to ensure all unpaid invoices are paid. Context from sales lives in a CRM at this scale so a connection is crucial.
The four options compared
For each of the prices, we are assuming at least a £50m turnover.
| Trove | Chaser | Kolleno | Upflow | |
|---|---|---|---|---|
| Published price | £285/mo | £899/mo | On request | On request |
| Pricing model | Fixed | Tiered by revenue | Per user and by revenue | Historically % of collected revenue |
| What is it | Credit control automation | Full invoice-to-cash platform | Full invoice-to-cash platform | Full invoice-to-cash platform |
| ERP integrations | Xero, QB, Stripe, NetSuite, Business Central Dynamics 365, Sage Intacct | All | All | Xero, QB, Stripe, NetSuite, Sage Intacct, Zuora |
| CRM integrations | Hubspot | Salesforce, Hubspot | Salesforce, Hubspot | Salesforce, Hubspot |
| Best for | Groups where invoicing and payment already work and the gap is consistent chasing across entities | Finance teams consolidating invoice to recovery in one platform (UK focus) | Finance teams consolidating invoice to recovery in one platform (international) | Scaling B2B businesses where AR reporting drives decisions |
Prices checked September 2026 against published pricing pages. Upflow doesn’t publish pricing and Kolleno’s enterprise tier is quote-based.
Full enterprise AR platform or credit control automation
This is the first decision to make.
Do you already have a good solution in place for invoicing and payments?
If you don’t, going with a full AR platform makes the most sense. These absorb invoicing and payments as well as chasing failed payments. Chaser, Kolleno and Upflow all sit here. You get one system covering invoice to cash, a branded payment portal and cash application.
If you already cover payments and invoicing in another platform (e.g. your ERP), you may be overpaying with a full AR platform for collections. Credit control software is just the last part of payments. It reads your ledger, chases what’s overdue and writes activity back. Trove sits here. Your invoicing and payment flow doesn’t change.
Once you have decided which you need, the next step is to compare on integrations.
The vendors
Trove
- Advanced plan: £285/month fixed, unlimited users, unlimited entities
- ERP: NetSuite, Microsoft Dynamics 365 Business Central
Trove automates the process of chasing down unpaid invoices. It reads your ledger, runs per-customer reminder sequences from your team’s own email addresses, reads and actions replies, automates statements and raises UK late payment fees. Customers can be segmented by size, entity or product line so different groups get different treatment.
Best for: a group where invoicing and payment already work and the gap is consistent chasing across entities.
Watch out: it won’t work if you need invoicing, a payment portal, cash application or e-invoicing. Trove does none of these.
Chaser
- Price: £899/month at £100m turnover, tiered by revenue
- Standout: a built-in route into debt collection, also run by Chaser
Chaser is the most established UK name and spans the full receivables cycle. It suits a finance team that wants detailed control over chase workflows and reporting, and the escalation path into collections is genuinely useful if a portion of the ledger ends up there.
Best for: UK finance teams wanting one vendor from reminder through to recovery.
Watch out: the tiers step with turnover, so get quoted at your actual revenue rather than working from the entry price.
Kolleno
- Price: on request, last published tier is £1,245 per user up to £10m of revenue
- Standout: e-invoicing, and breadth of integration
Kolleno is the most complete platform of the four and includes e-invoicing, which matters if you’re facing mandates in European markets. It’s built for a dedicated collections function and priced accordingly.
Best for: collections teams that will use the full platform.
Watch out: the per-user model. Price it at your actual team size before comparing anything else.
Upflow
- Pricing: on request, historically a percentage of collected revenue
- Standout: AR analytics - DSO tracking, cohort analysis, risk scoring
Upflow leans towards larger, faster-growing B2B companies, often US-based, with the reporting depth a dedicated finance function will use. The analytics are a real differentiator rather than a feature-list entry.
Best for: scaling B2B businesses where AR reporting drives decisions, not just collections.
Watch out: percentage pricing scales with turnover. Model it at projected revenue, not current.
How to choose
- Platform or layer. Is invoicing and payment already working? If yes, the shortlist is shorter.
- Model the pricing at two-year scale. Team size and turnover, not today’s numbers.
- Check ERP depth. Standard connector or custom project changes both timeline and cost.
- Make sure CRMs are covered. Trove only works with Hubspot. The others work with Salesforce as well.
Frequently asked questions
What counts as enterprise credit control software? There’s no formal line. In practice it means tools that handle multiple entities, multiple users with assignment and ownership, ERP-level integrations and multi-currency ledgers.
Do we need a full AR platform, or just collections? If invoicing and payment collection already work, you’re buying collections only, and a platform means paying for function you already have. If invoicing itself is the problem, buy the platform.
How does credit control software connect to NetSuite or Dynamics 365? Through a two-way integration that reads open invoices and payment status and writes activity back. What varies is whether the vendor treats this as a standard connector or a custom implementation, which is worth asking directly because it changes both the timeline and the cost.
What does credit control software cost for a large business? For a £100m turnover business with a four-person team, published pricing runs from £285 a month to roughly £2,600, depending on whether the vendor charges a flat fee, tiers by revenue or bills per user. The number that matters is the total at your own team size, entity count and turnover.
Can one tool cover a group of companies? Yes, but check how it’s priced and configured. Some vendors charge per entity, some include them. Some let you build a process once and clone it, some make you start again for each.
Can it handle invoices in multiple currencies and markets? Most tools at this tier can, but the useful question is whether chase sequences can differ by market. Payment norms and statutory rights on late payment vary by country, and a single sequence applied everywhere will be wrong somewhere.
Trove’s Advanced plan is £285 a month fixed, with unlimited users, unlimited entities and connections to NetSuite and Microsoft Dynamics 365 Business Central. It handles the chasing and leaves your invoicing and payment flow alone. Book a demo to see it against your own ledger.
