Credit control software and process
Resources on how to choose credit control software, refine your processes and get paid on time.
Credit control software
Comparing tools for the first time? Start here.
Featured guide
Credit control software: the right tool to chase unpaid invoices (2026 UK guide)
Credit control software cost ranges from £8 a month to £650 per user. Compare 9 UK tools on price, reviews, free trials and AI.
Read the guide Credit control software pricing: Trove, Chaser, Kolleno, Upflow What credit control software costs in 2026: Chaser from £199/month, Kolleno from £650 per user, Upflow on request and Trove from £65/month fixed. Credit control software compared: Chaser, Kolleno and Upflow (2026) Chaser, Kolleno and Upflow side by side: who each is built for, what they cost from £199 a month to $650 per user, and where Trove fits. Dunning software for B2B invoices: LedgerUp, Upflow, Chaser, Lunos, Trove What LedgerUp, Upflow, Chaser, Lunos and Trove cost for B2B invoice dunning in 2026, and how invoice dunning differs from card-payment retries. Credit control software vs a manual process: when to move on from Excel Still chasing invoices using a combination of Excel and Xero? Here's when to start using credit control software, plus three good starter tools. Credit control software vs a debt collection agency: which one to use What credit control software and a debt collection agency each cost, when to use each, and how to hand an invoice over when chasing hasn't worked. How to implement automated credit control in a finance team How to implement automated credit control in a finance team - connect the ledger, set policies, run drafts for a week, then send. A two-week rollout plan. AI agents in accounts receivable: what to automate and what needs approval What an AR agent does automatically in credit control, with one worked example, and what waits for your approval. Credit control software free trials and how to use them (2026) Which credit control tools offer a free trial and for how long, plus the three things worth testing before the trial runs out.
For your situation
Built for how your business actually runs.
Featured guide
Credit control software for accountants
How accounting firms chase their unpaid fees, handle late fees, and use the same tool for delivering credit control for clients (2026 UK guide).
Read the guide Credit control software for startups (2026): 4 options compared Every company hits a moment when unpaid invoices pile up, often for the first time. The best credit control tools for startups on Xero, compared. Automated credit control for B2B SaaS (when payments are already automated) Your payment provider retries failed cards, but that's often not enough. This covers how B2B SaaS teams collect every single invoice. Credit control software when you don't have a dedicated AR team In small teams, one busy person wears the Head of Collections hat. Here are the top platforms built for a one-person AR team. Credit control software for agencies How creative, marketing and consultancy agencies chase overdue invoices without damaging client relationships, including when to charge late fees. Is your big customer a slow payer? How to check before you sign Before you sign a big contract, check how long the customer really takes to pay: free government data, a credit report and the questions to ask. Customer in administration? What to do about your unpaid invoices Your customer has gone into administration or liquidation and owes you money. What to do in the first 24 hours, the first two weeks and six months on.
Compare tools
How the main credit control and AR automation tools stack up.
Featured guide
Chaser: pricing, reviews and alternatives for credit control in 2026
Chaser costs from £199 a month for businesses under £4m turnover. See what reviews say, and how Satago, Trove, Equisettle and Upflow compare in 2026.
Read the guide Chaser vs Upflow in 2026: features, pricing and alternatives Chaser suits UK businesses with 100+ staff and a finance team; Upflow suits scaling US B2B tech firms. We compare pricing, features and fit. Chaser vs Satago in 2026: features, pricing and alternatives Chaser starts at £199 a month and focuses on chasing. Satago runs £45-£200 and adds credit reports and invoice finance. Here's which suits you. Kolleno vs Upflow in 2026: features, pricing and alternatives Kolleno and Upflow are both AR platforms for mid-market and enterprise finance teams. We compare who each is for, 2026 pricing, and a lighter alternative. ezyCollect pricing and alternatives: what it costs in 2026 What ezyCollect (now part of Sidetrade) costs, its customer payment portal, and how it compares with other credit control tools for UK SMBs. Satago alternatives: the best credit control tools for small businesses Satago costs £45 to £200 a month. Here's the UK alternative to pick in 2026 if you mainly need invoice chasing, credit risk checks or invoice finance. Statey pricing and alternatives: what it costs in 2026 What Statey costs, what it does and doesn't do, and which tools to look at when statements alone aren't getting invoices paid. Kolleno pricing and alternatives: what it costs in 2026 Kolleno starts at £650 per user a month for businesses up to £1m turnover. See what a team of 2, 4 or 8 pays, and 3 alternatives compared on price. Upflow pricing and alternatives: what it costs in 2026 Upflow doesn't publish prices. Third-party estimates put Grow at about $440 a month. See what that buys, and 3 alternatives compared on price. Credit Hound pricing and alternatives: what it costs in 2026 What Credit Hound costs, why the price changes depending on your accounting system and which alternatives to compare it against.
ERP integrations
What to run alongside Xero or Business Central, and what actually plugs into it.
Featured guide
Microsoft Dynamics 365 Business Central: credit control software compared (2026)
Compare credit control software for Microsoft Dynamics 365 Business Central. Pricing and features for Chaser, Trove and Kolleno side by side.
Read the guide Invoice chasing software for Xero users: three UK tools compared (2026) Invoice chasing software for Xero compared: Trove £65, Satago £80 and Chaser £199 a month. Who each suits, and when Xero's own reminders are enough. Best invoice chasing software for Stripe users (2026) Stripe sends some invoice reminders natively. See what it covers, where the gaps are and three add-ons with prices. Credit control software with Creditsafe: how Trove connects it to Xero (2026) Already use Creditsafe? Here's how Trove connects it to Xero so credit checks happen automatically as part of your chasing. Best credit control software for Xero + Gmail + Slack (2026) Chasing unpaid invoices from Gmail with Slack notifications? Here's which credit control tools connect Xero, Gmail and Slack, and how they compare. Best credit control software for Xero + Outlook + Microsoft Teams (2026) Finance teams embedded in Microsoft need tools that integrate with Outlook and Teams. Here's which credit control tools connect Xero, Outlook and Teams. How to chase overdue invoices in Microsoft Dynamics 365 Business Central Set up reminder terms and levels, send reminders and statements in Business Central, and see what it can't do for a chasing team. NetSuite accounts receivable automation for UK finance teams What NetSuite automates in accounts receivable, where its dunning stops, and when a UK finance team adds a credit control tool, with a comparison table.
Chasing and reminders
How Xero's built-in reminders work, and where they fall short.
Featured guide
Xero invoice reminders: how to set them up, turn them off and work around the limits
Set up Xero invoice reminders in 10 minutes, turn them off for one customer or invoice, and work around the six limits that stop invoices getting paid.
Read the guide Can Xero send statements automatically? No, but here are the workarounds. Xero can't schedule statements, but you can email every customer in one batch. Here's how, plus the apps that automate it from £8 a month. Sending a reminder before the due date in Xero Xero can send a reminder before an invoice is due, but with limitations. When to send one, what to write, and the main limit for corporate customers. How to send a Xero invoice reminder manually You can send a Xero invoice reminder manually, but it's clunky. Here's how to send a chasing email or a statement, with the steps and a template to copy. Update Xero's expected payment date directly from your email When a customer replies with a payment date, Trove reads it and updates the expected payment date in Xero for you, then pauses chasing until the date passes. Use Xero's expected payment date to forecast when you'll receive payment Your forecast is built on due dates, but customers don't pay on due dates. How expected payment dates give a live picture of when money will arrive. Using Xero's expected payment date feature in your credit control process What Xero's expected payment date is, how to update it on one invoice or many at once, and how to stop doing it manually. Xero limits you to 5 invoice reminders. Here's what happens when you hit it. Xero stops sending invoice reminders after 5 emails. We look at how Xero reminders work and why the cap might not be your biggest problem. Why Xero invoice reminders go to spam and how to fix it Xero sends invoice reminders from @xero.com which can get spam filtered. We compare 3 tools that fix the problem. Xero tracking categories: split your client base by partner Use Xero tracking categories to split your client list by partner, report aged receivables per partner, and chase each partner's book automatically in Trove. How to chase unpaid invoices from overseas customers as a UK business Chasing an overseas customer? Set terms before you invoice, chase in their working hours, make paying easy in their currency, and know what UK law covers. Two reminders bring in 75% of the invoices that get paid. Here's the data. We looked at every invoice chased through Trove to see how many get paid after each reminder, and how many reminders are worth sending. 7 in 10 expected payment dates are met within 3 days. Here's the data. We checked every expected payment date set by businesses using Trove: how often customers pay on time and what happens when they don't.
Late fees and interest
What you can legally charge, and how to add it to a Xero invoice.
Featured guide
Late payment fees in the UK: a complete guide (2026)
If a business pays an invoice late, you have a legal right to charge interest and a fixed fee. Here's how late payment fees work in the UK.
Read the guide Are late payment charges legal in the UK? The law in 2026 Yes, if you invoice a business. UK late payment law in 2026: 11.75% interest, £40-£100 per invoice, and what the Commercial Payments Bill changes. Late payment fee calculator for UK invoices Calculate exactly what a late-paying business customer owes you using Trove's free late payment fee calculator. How to email a customer after calculating a late payment fee You've worked out the late payment fee, now what? Here's whether to charge it, how to email the customer, how to raise it and when to escalate. How to raise late payment fees as invoices in Xero Xero has no built-in way to calculate or invoice late fees. The method UK businesses should use, why it's a separate invoice, and how to automate it. How to show late payment interest on a customer's Xero statement Xero statements show outstanding invoices but not late fee interest. Here's why, the workaround inside Xero, and how to add interest without an invoice. How to run two different late payment fee policies for different customers You may want to treat long-standing customers differently to serial late payers. What you can do in Xero, and how a two-policy split works. Can you charge compounding late fee interest? Compounding late fee interest isn't the statutory default, it's a contractual choice. Here's when it's allowed and how Trove handles it. Waiving a late payment fee once the customer pays Here's why lots of companies choose to waive a late fee if a customer pays, an email for telling the customer, and how to avoid waived invoices in Xero. How late payment fees work in Trove Trove applies UK late payment fees automatically: a policy per workflow, calculated on every overdue invoice, shown on statements, and waived when paid. Treasure by Trove: Free late payment fee software for UK businesses What you're entitled to charge, what free late payment fee tools can and can't do, and when you need to pay for something more.
Different reminders for different customers
For when one reminder schedule doesn't fit your whole customer base.
Featured guide
Setting up different invoice reminders for different Xero customers
Xero's built-in reminders use the same template for every customer. Here's how to run different reminder workflows per customer type.
Read the guide Parent customers: how to chase a group of companies in Xero as one account Xero treats every company as unrelated. In Trove, you can use group customers under one parent and send reminders or statements to that parent only. How to run different invoice reminders for different contact groups in Xero Xero runs one reminder schedule and ignores your contact groups. A workaround, and how to give each customer group its own workflow in Trove. Send different invoice reminders based on line item in Xero Different product lines are often managed, and chased, by different people. What's possible in Xero, and how to route line items in Trove. Vary invoice reminders based on customer location in Xero Customers in different regions often need different timing and tone, but Xero sends the same reminder everywhere. How to split regions into workflows. Send sterner invoice reminders to your most overdue customers in Xero A customer £5,000 overdue needs a different response to one owing £50. The one threshold Xero has, where it falls short, and how to fix it.
Sending reminders to the right contact
Get chasers to the person who can actually pay the invoice.
Featured guide
Why Xero sends invoice reminders to the wrong contact and how to fix it
Xero reminders go to everyone on the customer record, not the person you invoiced. Why that happens, what you can change in Xero, and the cleaner fix.
Read the guide How to change who Xero invoice reminder replies go to Replies can keep landing with someone who's left or no longer chases invoices. How to change the reply-to address, and the one-per-org limit you're left with. Sub-customers in Xero: chasing different contacts in the same company You often have multiple contacts in a company that need separate invoicing and chasing. Here's how to solve it with sub-customers in Trove. Should you chase a customer group's head office or each site? When to chase a customer group's head office with one statement, when to chase each site, and how to run both without chasing anyone twice. Can you send Xero invoice reminders to a different email than the invoice? Invoice reminders hitting a customer's AP inbox create confusion. Here's why it happens and how to route invoice chasers to a separate email address. Is it a good idea to send Xero invoice reminders by SMS? When email chasers sit unread in a shared inbox, it can take a text to get through. When to escalate to SMS, and how to add it to your Xero chase.
Payment plans for overdue customers
When to offer one, how to run it, and how it works in Trove.
Featured guide
A complete guide to payment plans for overdue customers
What a payment plan is, when to offer one, and how to run it. Includes what's possible in Xero, what isn't, and when you need a tool to do it properly.
Read the guide When to offer a payment plan and when to avoid one How to decide whether a payment plan is the right call, with email templates for how to offer one and how to say. Adding retentions to a payment plan: a guide for construction How construction businesses can use payment plan functionality to split out a retention and chase it at the right time, instead of losing track of it. How to manage a payment plan you've agreed with a customer Agreed to let an overdue customer pay in instalments? Here's how to track it without a spreadsheet and handle a missed payment. How payment plans work in Trove A step-by-step look at setting up payment plans in Trove: default plans, applying them to a balance or invoice, and chasing only the late instalment.
Understanding your Xero data
Reports and alerts that show which invoices need attention.
Featured guide
Credit control reports that update in real time from your Xero data
Here's how to build credit control reports that update in real time, use any Xero field as a filter, and land in a colleague's inbox on a regular basis.
Read the guide The Xero aged receivables report: how to read it and act on it Aged receivables show who owes you what and how overdue each invoice is. Here's what the numbers tell you and what to do next. How much of your aged receivables are you likely to recover? [Calculator] Enter the totals from your Xero aged receivables report and see how much is likely still collectible - and how much may already be at risk. How to get alerted when a customer first goes overdue in Xero Xero won't tell you when a customer first goes overdue, which is often the first sign of a problem. Here's how to get alerted the moment it happens. Stop rebuilding the same debtor report in Excel every week Export from Xero, paste into Excel, fix the formatting, send it round. How to build the report once and let it update itself. How to spot when a customer's overdue balance is growing in Xero Xero's ageing report ranks by size and age, not by which accounts are getting worse. How to see the balances that are growing, and act on them.
PO numbers and portals in credit control
Get the PO number before the invoice falls due, not after.
Featured guide
How to get a PO number on your Xero invoice before it's due
Big customers won't pay an invoice without a PO number. Here's how to reliably get a PO number onto an invoice from Xero at the right time.
Read the guide Xero invoice statuses explained: draft, awaiting approval, approved and sent What each Xero invoice status means, from draft to paid, what you can still change at each one, and the best stage to add a customer's PO number. Getting PO numbers onto repeating invoices in Xero A repeating invoice tells you exactly when the next one lands, so you can ask for the PO in advance. How to use this in Xero and automate it with Trove. How to automate invoice uploads to Coupa and SAP Ariba Big customers want invoices in Coupa or SAP Ariba, not by email. Here's what each portal needs, what you can automate and what still needs a person. How to find and dispute supermarket deductions and short payments in the UK How UK suppliers spot supermarket deductions on remittances, check them against the agreement, dispute them under GSCOP and track each one to a result.
Running credit control across a group
Keep chasing consistent across several entities under one group.
Featured guide
Running credit control across multiple entities in Xero
Xero treats every entity as separate, so a group can end up with an inconsistent chasing process. How to run consistent credit control using Trove.
Read the guide Bringing credit control in-house across a group of companies Bringing credit control in-house can make sense if your setup needs context and your provider is struggling. Here's when it works across a group. The credit control reports that matter when you run a group Here are the four credit control reports worth having across a multi-entity group of companies and why. How to onboard a group of companies onto Trove, entity by entity Here's how to onboard multiple entities onto Trove, starting with one and then cloning the process to the remainder. The monthly debtors meeting pack: what your CFO wants to see The five tables for a monthly debtors meeting, shown by entity with a worked example across two companies, and the questions your CFO will ask.
Credit control by industry
What's different about chasing invoices in your sector.
Featured guide
Best credit control software for recruitment agencies (2026)
The best credit control software for recruitment agencies in 2026: Satago, Trove, Chaser, Kolleno and ezyCollect compared.
Read the guide Handling disputed fees and rebate clauses in recruitment When a candidate leaves inside the rebate period, a paid perm fee can become a disputed invoice. How to handle rebate clauses and disputed fees. When to apply late payment fees as a recruitment agency Recruitment agencies rarely charge late fees, fearing the client relationship. The smart way to apply them, and when to offer to waive for prompt payment. Running a contract or temp desk: funding weekly payroll while clients pay in 60 days A contract or temp desk pays workers weekly but waits 30 to 60+ days to get paid. Here's how to close that cash-flow gap. The challenges of chasing invoices as a not-for-profit Chasing invoices is always awkward. For non-profits, it's even more so as they often lack the time and can struggle with tone. Here are tips on tackling both.
Trove news & info
Product updates and help from Trove.
Customer story
How 4Site Recruitment got paid 17% faster (and saved £1,800 in the process)
A price rise on their old credit control tool pushed 4Site Recruitment to switch. On Trove, DSO fell 17% and their software bill dropped by 75%.
Read the story Meet Trove at the Digital Accountancy Show 2026 (stand H25) Trove is exhibiting at the Digital Accountancy Show on 7-8 October at Excel London. Find us on stand H25 to meet the team and see what's launching next. Trove has collected £20m in overdue invoices for Xero users Trove has now chased and collected over £20m in overdue invoices for small businesses on Xero, nine months after launching on the Xero App Store. Trove named a double finalist in the 2026 Xero Global App Awards Trove is a finalist in two categories at the 2026 Xero Global App Awards: UK Small Business App of the Year and Global Emerging App of the Year. How to grant Trove secure permissions to access an Outlook mailbox How Microsoft IT admins can grant Trove permission to connect to a Microsoft 365 (Outlook) mailbox.
Stop chasing invoices manually
Trove connects to Xero and runs your credit control on autopilot.