Summary
In a large business, several people are involved often chasing more than one ledger in more than one currency. This page compares four credit control software vendors for enterprises, corporate groups and larger B2B companies. If you’re still mapping the wider market, our guide to credit control software covers it from small-business tools up.
- What characterises enterprise 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 prices from £285 a month to £1,245 per user per 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.
- 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 credit control looks like in large businesses and corporate groups
Five things make enterprise credit control different 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.
Enterprise credit control software compared: pricing, ERP and CRM
Prices assume a business with £50m to £100m turnover.
| Trove | Chaser | Kolleno | Upflow | |
|---|---|---|---|---|
| Published price | £285/mo | £899/mo | £1,245/user/mo | On request |
| Pricing model | Fixed | Tiered by revenue | Per user | 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 |
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.
Enterprise credit control software vendors
Trove
- Advanced plan: £285/month fixed, unlimited users, unlimited entities
- ERP: NetSuite, Microsoft Dynamics 365 Business Central. See credit control software for 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. If your customers make you submit invoices through supplier portals like Coupa and SAP Ariba, here’s what that involves.
Chaser
- Price: £899/month for businesses up to £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: £1,245 per user per month
- 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.
What to look for in an enterprise credit control vendor
Once a tool touches your ledger and your customers’ inboxes, IT, security and procurement all get a say. These are the questions that come up in most enterprise evaluations, so it pays to ask them before the demo, not after.
Security and compliance
- Where customer and invoice data is stored, and whether it stays in the UK or EU
- UK GDPR: a data processing agreement, and a list of sub-processors
- Single sign-on (SSO) and how accounts are removed when someone leaves
- Role-based permissions, so a credit controller for one entity can’t see another’s ledger
- A full audit trail of every reminder sent and every change made
Implementation
Most of the risk in credit control software implementation sits in the first few weeks. Ask:
- What’s a realistic time to go live? Ask for a typical number at your size, not the best case.
- Who does the setup: the vendor, a partner, or your own team?
- Can you test in a sandbox before reminders go to real customers?
- How do existing contacts, templates and chase history get migrated?
Integrations
ERP depth comes first. Some tools only read your ledger. Others connect two ways and write every reminder and reply back as activity, so the ERP stays the record your team works from. Check the CRM connection too, since sales context usually lives there at this size.
Email is the next priority. Reminders sent from your team’s own addresses get replies, and replies from a no-reply domain get lost. If your team works in Microsoft 365, check for Teams or Slack alerts as well. We’ve covered credit control software for Xero, Outlook and Teams separately.
Groups and teams
- Multi-entity support, and whether each entity costs extra
- Whether one process can be built once and cloned across entities
- Assigning customers or invoices to named owners
- Chase sequences that differ by market and currency
A vendor that can’t answer these clearly in writing is unlikely to be easier to work with after you’ve signed.
How to choose credit control software for a large business
- 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 your CRM is 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 business turning over £50m to £100m with a four-person credit control team, published pricing runs from £285 a month with Trove’s fixed plan, to £899 a month with Chaser, to around £5,000 a month with Kolleno at £1,245 per user. Upflow doesn’t publish pricing. The difference comes down to whether a vendor charges a flat fee, tiers by revenue or bills per user.
Is credit control software suitable for corporates and B2B companies with several entities? Yes, as long as it handles multiple entities, several users and your ERP. Check whether entities are priced separately, and whether chase sequences can differ by entity and market.
How long does it take to implement enterprise credit control software? It depends mainly on the ERP connection. A standard connector can be live in days, while a custom integration takes weeks.
What security should an enterprise credit control vendor have? At a minimum: an independent certification such as SOC 2 or ISO 27001, a UK GDPR data processing agreement, clarity on where data is stored, SSO and role-based permissions. See the full list of questions to ask.
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.
