Kolleno vs Upflow in 2026: features, pricing and alternatives

Facts checked June 2026.

Kolleno and Upflow are both accounts receivable platforms built for mid-market and enterprise finance teams (~100-500 employees) and they automate the same core jobs: collecting invoices, managing payments and reconciliation. Beyond this, they focus on different features and industries. Upflow primarily targets scaling B2B and SaaS companies and its focus on SaaS metrics reporting reflects this. Kolleno has a broader base of customers - tech, manufacturing, insurance - and offers more mainstream features like credit risk checking and dispute management. This guide covers who each tool is for, 2026 pricing, and a lighter alternative for smaller teams. It’s part of our full guide to choosing credit control software.

Summary

• Pricing: Kolleno is per user from around £650/user/month. Upflow does not publish prices but third-party sites suggest their plans start at $440/month, with a free analytics-only tier.
• Best fit for Kolleno: pick Kolleno if you are more concerned with bad payers and want access to dispute management and credit risk checking, supported by AI.
• Best fit for Upflow: pick Upflow if your company requires in-depth reporting on AR analytics and forecasting, especially for a scaling B2B or SaaS company.
• Best fit for a UK small business: if you’re on Xero and the main focus is chasing unpaid invoices, these platforms are overkill. Trove starts at £50/month on fixed pricing with a 30-day trial.

Kolleno vs Upflow target customers

These two get compared a lot because they overlap on the surface: both are AR platforms, both automate reminders, both are aimed above the small-business line, publishing the number of employees at their customers. But they’re chasing different buyers.

Kolleno

Sample logos (source: Kolleno website, June 2026)

Kolleno is built for mid-market and enterprise finance teams that want to run more than collections from one platform. Its own positioning is for CEOs, CFOs, credit and revenue controllers, and finance managers, and its case studies feature names like Rakuten and Drata. The pull is breadth: they run the key processes like receivables, payments, reconciliation and e-invoicing in a single system, alongside offering support with the unpleasant side of collections: disputes and bad payers. That suits a business with a real finance function and a fairly complex stack.

Upflow

Sample logos (source: Upflow website, June 2026)

Upflow is a US-headquartered platform aimed at scaling and enterprise B2B companies, and a lot of its customers are tech and SaaS businesses. 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 for a finance team. Its integrations highlight NetSuite, Stripe, Chargebee and Zuora, which tells you the typical customer: a venture-backed or fast-growing tech company with recurring revenue.

The short version: Kolleno sells breadth including the more gnarly parts of collections while Upflow focuses on the needs of its primary customers in B2B tech. Both assume you have a finance team to use them.

Kolleno vs Upflow feature comparison

Kolleno and Upflow have the same core features: collecting invoices, managing payments and reconciliation. Beyond that, each tool’s feature set follows its focus.

Kolleno

• All-in-one finance operations. Kolleno also covers e-invoicing, dispute management and credit risk management as key features.
• Enterprise-grade support. Kolleno highlights its enterprise capabilities more than Upflow with features like 24/7 support and enterprise workflows for multi-entity clients.
• AI agents. Kolleno has launched a multi-agent feature set that suggests actions and analyses payment behaviour, focused on workflow execution. They are highlighted as reducing the work for bigger finance teams.

These features suggest that Kolleno is focusing on providing an end-to-end AR platform for the largest customers, across all industries.

Upflow

• AR analytics and reporting. This is Upflow’s standout. Live dashboards cover DSO, ageing balance, billing cohort analysis, forecasting and at-risk accounts. If you want to manage AR by the numbers, Upflow is the stronger tool here.
• Free analytics tier. Upflow offers a free plan for its analytics and benchmarking, so you can see your own AR data before paying for automation. Most competitors lock this behind a paywall, so it’s a real differentiator.
• Team collaboration. A shared workspace designed to involve sales and account teams in collections, with unlimited users on paid plans.
• 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.

All of these features speak to users in scaling tech companies. They are designed to help finance keep the end customer happy, not necessarily collect the cash on time. A possible reason Upflow does not offer e-invoicing is because most of its tech customers already use Stripe or Adyen.

In a nutshell: pick Kolleno if you want everything in one place and are not in B2B SaaS. Pick Upflow if reporting is a high priority and you are in B2B SaaS.

Kolleno vs Upflow pricing

Only Kolleno publishes standard pricing, starting at £650 per user / month. However, to get an accurate quote they do want to put you into a sales process. Meanwhile, Upflow does not publish pricing data but third-party sites (like TrustRadius) suggest pricing is tied to your Annual Recurring Revenue (roughly $440/month at the entry level price). For the full breakdown of what each tool costs and what the pricing structure tells you, see our Kolleno and Upflow pricing comparison.

Alternative to Kolleno and Upflow

There are two common reasons to look elsewhere: the price is built for companies far larger than yours, or you simply don’t need the AR platform weight. If you’re a UK small business that just wants to get invoices paid, both of these are overkill.

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. It can:

• 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 try to be an AR platform. It doesn’t do payment reconciliation, accounts payable, e-invoicing or deep AR analytics. If you need those, Kolleno or Upflow 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 revenue-linked, the cost doesn’t climb as your turnover grows.

Feature comparison

Here’s how the three compare side by side.

Feature	Kolleno	Upflow	Trove
Pricing starts at	£650/user/mo	On request (~$440/mo via TrustRadius)	£50/month
Fixed price, not revenue-linked	-	-	✅
Invoice reminders	✅	✅	✅
Sends via your domain	✅	✅	✅
Customer payment portal	✅	✅	-
Advanced AR analytics	Some	✅ (strongest)	-
Payment reconciliation	✅	✅	-
E-invoicing	✅	-	-
Late fee automation	No mention	✅	✅
AI features	✅	✅	✅
Xero, FreeAgent	✅	✅	✅
NetSuite, Sage, ERPs	✅	✅	✅
Free trial	-	Analytics only	✅ 30-day

In summary

Where Kolleno is stronger

Breadth. Kolleno covers receivables, payments, accounts payable, reconciliation and e-invoicing in one platform. If you want to consolidate finance operations rather than bolt on a chasing tool, that’s its advantage.

Handling bad payers. Kolleno has the most features targeted at tricky collections situations like dispute management and poor credit ratings. If this is often a problem for your business, this could be worth it.

Where Upflow is stronger

Analytics and reporting. Upflow’s dashboards are the most sophisticated of the three: DSO, ageing, billing cohort analysis, forecasting and account-level risk. If you manage AR by the numbers, this is the better tool.

Trying before you buy. Upflow’s free analytics tier lets you see your own AR data before committing to a paid plan, which neither Kolleno nor most competitors offer.

Where Trove is stronger

Focus. Trove does one thing - automate the collection of unpaid invoices - and is priced accordingly.

Value and fit. Trove starts at £50/month on fixed pricing, sends reminders from your own domain, runs per-customer sequences, and automates UK late payment fees. For a UK small business on Xero that has outgrown built-in reminders but doesn’t need an enterprise AR platform, it’s the natural fit.

Which should you choose?

Choose Kolleno if:

• You want one platform across receivables, payments, reconciliation and e-invoicing
• You’re a mid-market or enterprise team with a complex, multi-system finance stack
• Embedded payment reconciliation matters to you
• You’re comfortable with per-user pricing and a sales-led onboarding

Choose Upflow if:

• You’re a scaling or enterprise B2B company, often SaaS or tech, that wants best-in-class AR analytics
• Cash flow forecasting and account-level risk reporting are central to how you work
• You want to involve sales and account teams in collections
• You’re comfortable with ARR-banded, quote-based pricing

Consider Trove if:

• You’re a UK small business on Xero, FreeAgent or Stripe
• You want fixed pricing that doesn’t scale with your turnover
• You want reminders from your own domain and automated UK late payment fees, without the AR platform weight
• You want to start with a 30-day free trial before committing

For the wider picture of how these tools fit together, the credit control software guide profiles every option in this space and explains how to narrow the field. If you’re weighing other enterprise tools, our Chaser vs Upflow comparison covers a related pairing.