4 best accounts receivable software for non-profits in 2026

None of the four is built for the charity sector, so every entry here is judged on fit rather than on a sector badge.

Related guides: the best credit control software UK, how to chase overdue invoices, how to choose credit control software for Xero

How this list was put together

This list helps a UK charity or non-profit chase funders and trading customers under different rules, on Xero, QuickBooks Online or Sage.

Which accounts receivable software suits a non-profit?

Read "Not published" as a vendor that puts no price in public and "None found" as no evidence in either direction. The prices are from-prices the vendors printed themselves.

The four tools in five checked facts

• All four print a monthly price: Satago from £45, Paidnice from £49 (US$69), Chaser from £199 and Kolleno from US$650.
• Each published price grows with something different: a flat tier (Satago), invoice volume (Paidnice), revenue band (Chaser) and users (Kolleno).
• Three of the four apply a late fee themselves: Paidnice (per customer group), Chaser (one set of late-fee rules) and Satago (optional, in reminder emails).
• All four connect to both Xero and QuickBooks Online.
• AI that handles collections work or customer replies: Paidnice and Kolleno. No AI in receivables: Satago.

We checked each tool's own pricing, integration and help pages. "None found" in the data means the vendor's pages do not show the feature.

Best Accounts Receivable Software for Non-Profits: 4 Tools Compared (1:40)

Video chapters and transcript

1. 0:00 Short answer
2. 0:21 What matters for a charity
3. 0:47 Four tools, in alphabetical order
4. 1:16 Published prices

Which accounts receivable software suits a UK non-profit? It depends on who is paying. A charity may need a gentle rule for funders and a firm one for trading customers.

Four tools are compared on that grain, on published price and on verified reviews. None of them was built for the charity sector, so each is judged on fit. A grant falls due when a condition is met, so it should stay out of automated chasing.

Trustees approve the chasing policy, and it must be written before the software is set up. Statutory interest applies to commissioned and trading invoices, never to grants. An invoice queued at a council usually needs its purchase order number, and a statement moves it faster than a reminder.

Keep the sent copy as audit evidence. Choose Chaser if a larger charity has a named credit controller and wants separate chase schedules and Creditsafe checks. Choose Kolleno if you are on NetSuite or Sage Intacct and need to allocate grant tranches and bulk public-sector remittances.

Choose Paidnice if funders and trading customers need different rules, with interest on the trading group only. Choose Satago if you are on Sage 50 or Xero, wait on local authority payers, and want invoice finance from the same provider. On price, Chaser starts at one hundred ninety-nine pounds a month.

Kolleno starts at six hundred fifty dollars per user. Paidnice starts at forty-nine pounds. Satago starts at twenty-five pounds inside Sage 50.

How should a charity treat funders, commissioners and trading customers?

A charity ledger carries three kinds of income that arrive under three different legal arrangements, and each one wants a different answer to the question of what happens when the money is late.

A grant funder is a partner, and grant income is conditional rather than dated, so the concept of arrears does not apply. A commissioning body is a certain payer on an uncertain timetable, where the invoice is not at risk but escalating against it can cost the next contract.

A trading customer, whether that is room hire, a training course or the trading subsidiary invoicing a business, is an ordinary commercial debtor with no special claim on the charity at all.

A grant funder is not a debtor

A grant falls due when a condition is met, not when a date passes, so an unmet milestone sitting on the ledger looks exactly like an overdue invoice to software that only reads dates.

The failure mode is a reminder arriving at a funder about money the charity has not yet earned. Keep grant and milestone income out of the automated chasing altogether, or park it in a group with the chasing switched off, and check that decision every time a new award is coded.

The practical consequence is that one setting cannot serve all three. Every tool below can chase. What separates them is whether the chasing rule, the tone and the charge can be attached to the payer type rather than to the organisation.

What must a trustee-approved chasing policy contain?

In a charity the escalation ladder is a document, approved by trustees, defended at audit and quoted back at the finance officer the first time a funder complains, where in a trading business it is a setting somebody in finance chose.

An automated final notice reaching a long-standing funder is a reputational event, and a trustee will hear about it before the finance officer does.

Which payer types are chased automatically and which are handled by a named person. What the wording escalates to, and where it stops, for each of those types. Who authorises an exception, and how that exception is recorded. And whether interest is ever charged, against which payer, and who signs it off.

Then the software has to be able to hold it. A policy that gives funders and trading customers different terms needs more than one set of rules, because a tool with one set can only include or leave out a customer, not give each group terms of its own.

Two smaller things belong in the same document. Tone is auditable, so keep the sent copy: a dated record of what was sent to whom is the evidence that the approved wording was the wording used.

And the charge, if there is one, should be capable of being raised in draft and approved by a person before it reaches a payer, which is the difference between a policy with a control in it and a policy with a switch in it.

Can a charity charge statutory interest, and on which invoices?

The question resolves on the payer, not on the charity. Charitable status changes nothing about the entitlement, because the entitlement attaches to the supply rather than to the supplier.

Take the three payers in turn. A grant is not a commercial debt at all, so nothing under the Late Payment of Commercial Debts (Interest) Act 1998 applies to it, and no software setting changes that.

A commissioned service is a business-to-business supply, so the entitlement does apply, and a charity invoicing a local authority has exactly the same right to interest at 8% a year over the Bank of England base rate as any contractor.

The trading subsidiary invoicing a commercial customer is a company invoicing a company, with the fixed sum of £40, £70 or £100 by size of debt claimable on top. The base rate stood at 3.75% in mid-2026, making the total 11.75%, and it rose to 4% on 5 November 2026, so read the current one on GOV.UK before it goes on an invoice.

Being entitled and being willing are separate questions, and the second one is where most charities stop. Invoicing a commissioner for interest is legally clean and commercially expensive, because the same relationship is up for renewal.

So the useful configuration is interest live on the trading group and switched off everywhere else, which is a charge a finance officer can also waive in writing in return for settlement this week.

What is settled law, and what is still a bill

Statutory interest

Available on a commissioned or trading invoice, never on a grant. The rate runs 8% over the Bank of England base rate, which put the total at 11.75% in mid-2026 and moves whenever the base rate does, so read it again before the invoice goes out. GOV.UK

Fixed compensation

A flat sum per invoice on top of the interest, banded by the size of the debt at £40, £70 and £100, and claimable by a charity on the same basis as by anyone else. GOV.UK

Mandatory interest

A bill rather than an entitlement. If the Commercial Payments Bill passes as drafted, statutory interest stops being a default that a contract can waive and becomes compulsory, which would remove a clause some commissioners currently insert. Check where it has reached before anything is built on it.

Interest on the subsidiary, none on the funder

Paidnice and Chaser both document a base rate calculation, so the arithmetic is not what separates them. The question a charity has to answer is whether the software can hold two different answers for two different payers at the same moment.

Only in part. Chaser can charge selected debtors and leave others out, but it has one set of late-fee rules, not tied to schedules, and no documented way to run different rules per group, so every payer it charges is under the same rules.

Paidnice can, because policies hang under customer groups: interest runs on the trading group at base rate plus your percentage, calculated per period so an invoice spanning two base rates is charged correctly, while the funder group carries none, and both states exist on the same ledger at the same time.

The charge is raised as Draft or Approved, which is the control a board will ask for.

Kolleno computes nothing here and Satago only adds an optional late fee to its reminder emails, so on both of those the entitlement stays a spreadsheet and a manual credit note.

How should a charity chase a council that has its invoice?

The invoice is undisputed, it is not at risk and the payer has the money. It is queued behind a portal, a purchase order number and an approval that has not happened yet.

Which is why the standard escalation ladder does nothing to it.

A final notice reaches them again and is forwarded, with a comment, to the commissioning manager who decides on the next contract, which is the one outcome the charity was trying to avoid.

What moves a queued invoice is administrative rather than persuasive. The purchase order number has to be on the invoice, in the field the portal reads, because a mismatch there is the single most common reason an invoice is parked.

The statement, rather than the reminder, is the document an authority acts on, because it shows the whole account rather than one line. Many authorities publish their own prompt-payment performance, which is a fact that can be quoted politely.

None of the four tools on this page models any of that. There is no purchase order validation, no portal read, no authority-specific route.

What they can do is keep a dated evidence trail, which is worth more here than pressure is: a record of when the invoice was sent, when the statement went, what was said and to whom, ready for the moment somebody at the authority asks for proof.

The one collections mechanic that does fit a commissioner is a phased settlement. Where an authority agrees to clear a backlog across several months, Chaser will split the invoice weekly through to yearly but keeps chasing the original due date rather than the instalment dates, and its own documentation advises chasing the instalments manually.

Kolleno splits weekly, monthly or bi-monthly with automations linked to the plan, though uneven totals are divided manually. No instalment function is documented for Satago at all.

What is accounts receivable software for non-profits, and what is it not?

A receivables tool chases what has been invoiced, and fund accounting tracks restricted against unrestricted income on the same ledger. Chasing what has been invoiced, charging for the wait, issuing the statement and taking the payment is one job.

Tracking restricted against unrestricted income and reporting it under the Charities SORP is the other, and nothing on this page does the second one.

The Charity Commission register for England and Wales runs past 160,000 organisations, and the smaller ones keep their books on the same ledgers a trading business uses. There is no separate software category waiting for them, which is why this shortlist is a general one and why the whole comparison turns on the payer rather than on the product.

• Reminders with wording per payer type: scheduled email and SMS before and after the due date, worded the way the approved policy says for that group.
• A live read of the ledger: so the chase stops the day the money lands and no funder is ever chased for a grant already banked.
• Segmentation that survives an audit: groups or schedules that keep the commissioned-services account on one ladder and the grant funder off it entirely.
• Statements on a schedule: the account summary, which is more often than not the only document a slow public-sector payer responds to.
• A page the payer can serve themselves from: view the invoice, pull the statement, pay, or start a schedule, without a message reaching anybody.

Restricted funds never leave the charity ledger

Income recognition tightens under the 2026 Charities SORP, and no receivables tool in this comparison tracks restricted against unrestricted at all. That reporting stays in the ledger or the fund-accounting system that already produces it. What the receivables tool owns is narrower and worth being precise about: the chasing, the charge and the statement.

What can a small charity approve, by income band?

A small charity should choose by what its board will sign, not by what the organisation could afford.

• Under £500k. The ledger's own reminders often are enough, and if they are not, Satago inside Sage 50 at £25 is a step past them that is easy to put in a paper. Paidnice at £49 (US$69) if funders and trading customers need different rules from the first month.
• £500k to £4m. Usually the band where a trading arm becomes material. Chaser at £199 if there is a named credit controller and the credit checking is genuinely being used, or Paidnice for per-group policies on a flat price.
• £4m to £20m. Chaser or Paidnice, decided on one question: whether the approved policy needs different late-fee rules for different payer groups. If it does, Chaser has no documented way to deliver it. If it does not, Chaser from £599 on Core buys monitoring and a longer ledger list.
• Above £20m. Kolleno when allocating grant tranches and bulk public-sector remittances is the real bottleneck rather than the chasing, or Chaser's Complete tier to keep everything on one system.

Which charity ledgers do these tools connect to?

A charity on a dedicated fund-accounting system has no option on this page, because none of the four connects to one.

• Xero. All four connect. A Xero organisation already using tracking categories for funds keeps that reporting exactly where it is and bolts the chasing on above it.
• QuickBooks Online. All four again, with class tracking doing the same job Xero categories do.
• Sage 50 and Sage 200. A large slice of the sector sits here, and the list shortens sharply: Satago embedded at £25 a month, and Chaser. Paidnice does not serve Sage 50 or Sage 200, which removes the per-group charging option from any charity on it.
• NetSuite and Sage Intacct. Kolleno, and Chaser on NetSuite. Paidnice reaches NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on its Custom plan only, as a build rather than a connector, so budget it as a project.

What does this cost against a restricted-funds budget?

The awkward part of this purchase is that it is core cost. Chasing income is support, not delivery, so it is paid for out of unrestricted funds or out of a thin allocation, and every pound is visible.

Published UK entry prices: Chaser £199, Kolleno $650 per user, Paidnice £49 (US$69) and Satago £25 inside Sage 50. Not one of the four publishes a charity rate.

The metric matters more here than in any commercial sector, because charity income and charity capacity move independently. Chaser prices on turnover, so a single large restricted grant can push an organisation into a higher tier while adding nothing at all to the unrestricted budget the subscription is paid from.

Kolleno prices per user, so a finance office of three multiplies the bill by three before anything is chased.

Paidnice prices on invoice volume, flat, with no per-seat charge, which suits a finance function staffed by part-timers and volunteers who each need a login.

Which accounts receivable software for non-profits fits your use case?

What do charity finance officers ask?

Related reading for charity finance teams

Buyer's guide

Best credit control software UK

Six credit control systems compared on statutory interest and reviews.

Getting paid

How to chase overdue invoices

The sequence, the channels, and when to escalate.

Templates

Overdue invoice email templates

Five copy-paste emails from a friendly nudge to a final notice.

UK law

Late payment fees in the UK

The complete guide to the law, the rate and what is changing.

Sources

13 sources, checked by Julie Turnbridge on November 6, 2026

1. Xero Small Business Insights xero.com/uk/resources/small-business-insights
2. Xero App Store apps.xero.com/uk/app/paidnice
3. Capterra capterra.co.uk/software/254868/paidnice
4. Xero App Store apps.xero.com/uk/app/chaser
5. G2 g2.com/products/chaser/reviews
6. G2 g2.com/products/kolleno/reviews
7. Xero App Store apps.xero.com/uk/app/kolleno
8. Capterra capterra.co.uk/software/227932/Kolleno
9. Late Payment of Commercial Debts (Interest) Act 1998 legislation.gov.uk/ukpga/1998/20/contents
10. Bank of England base rate bankofengland.co.uk/monetary-policy/the-interest-rate-ban...
11. GOV.UK gov.uk/late-commercial-payments-interest-debt-recovery/ch...
12. GOV.UK gov.uk/late-commercial-payments-interest-debt-recovery/cl...
13. Charity Commission register-of-charities.charitycommission.gov.uk/en/sector-...