The best credit control and credit management software in 2026 are Paidnice, Chaser, Satago, Kolleno, ezyCollect and CreditorWatch Collect. Credit management goes beyond chasing: it covers assessing customers before you extend terms, enforcing those terms, and monitoring risk, not just sending reminders.
Paidnice is the best all-rounder for Xero and QuickBooks businesses, pairing chasing with real enforcement (automatic late fees and interest) on transparent pricing from $69 a month. Chaser and Satago lead on UK credit risk (Companies House and Experian data), Kolleno brings AI-driven collections at the mid-market, and ezyCollect and CreditorWatch Collect add trade credit data for Australian and B2B sellers. Pick by whether your priority is enforcement, credit risk, or all-in-one breadth, and by your region and accounting system.
How we ranked them
We scored each tool on what actually matters for this category, drew on verified reviews from G2, Capterra and Trustpilot, and used each vendor's public pricing as of June 9, 2026. We do not take payment for placement, and we only put a tool at the top where the evidence supports it.
The best credit control tools
Paidnice: All-in-one AR automation with real enforcement
Paidnice is an all-in-one accounts receivable platform for Xero and QuickBooks. It goes beyond reminders to enforce payment terms with automatic late fees, interest, statements and escalations, and now adds a shared inbox for email and SMS plus AI that drafts and queues next actions from customer replies for a human to approve. It is also a standout for multi-entity businesses: you can share one plan's invoice volume across all your Xero and QuickBooks entities, which is a major saving for company groups that would otherwise pay per entity. Won the 2025 Xero Global Small Business App of the Year.
Strengths
- Plans start at $69 a month with unlimited users and scale with invoice volume
- Real enforcement: automatic late fees, interest and escalations, not just reminders
- Shared inbox for email and SMS, with AI that queues human-approved actions
- Excellent for multi-entity groups: share one plan's invoice volume across all entities, a major saving
- Handles Xero parent and child account relationships
Watch-outs
- Best suited to Xero and QuickBooks rather than larger ERPs
- Most powerful when you configure enforcement rules to your terms
| Plan | Monthly price | Includes |
|---|---|---|
| Starter and up | from $69/mo | Unlimited users, late fees, interest, statements, escalations and a shared inbox; plans scale up based on monthly invoice volume |
Chaser: Reminder-led credit control with UK credit reporting
Chaser is a long-standing credit-control tool. Its reminder sequences are capable, but automated chasing is now a default feature in most AR tools, so it is no longer the differentiator. Where Chaser genuinely stands out is UK credit reporting: it links to Companies House data to score how likely a customer is to become insolvent in the next 12 months and alerts you when risk changes.
Strengths
- UK credit checks with a Companies House-linked insolvency risk score
- Debtor monitoring and risk alerts
- Native integrations across Xero, QuickBooks and Sage
- Optional managed-service add-on (Care) for done-for-you collections
Watch-outs
- Chasing is no longer a differentiator; most tools now do it
- No built-in automatic late fees or interest
- Paid plans start high at $259 a month
- Notes can be added to individual invoices but not to a customer as a whole
- Very few Trustpilot reviews, so Trustpilot is not a meaningful quality signal
| Plan | Monthly price | Includes |
|---|---|---|
| Compact | $259/mo | Total annual revenue under $5M. 4 users, 30 follow-up templates, 4 automated workflows |
| Core | $779/mo | Under $13M. Unlimited users, unlimited templates and workflows, multi-entity |
| Complete | $1,169/mo | Under $120M. Adds dedicated account manager, priority support, assisted onboarding, receivables forecast |
| Custom | Quote | For revenue above the Complete tier |
| Care | from $447/mo | Managed add-on alongside your Chaser software: payment follow-ups, phone calls, inbox management, AI-driven optimisations |
Satago: Credit control with Experian credit risk and optional invoice finance
Satago pairs automated chasing with Experian-backed credit risk and optional invoice finance, so you can judge a customer before extending terms and fund cash flow if needed. It is a strong fit for UK businesses that want credit control and credit risk together.
Strengths
- Experian-backed credit checks, limits and monitoring
- Optional invoice finance built in
- Integrates with Xero, QuickBooks and Sage
- Xero App Partner of the Year 2023
Watch-outs
- Less focused on automatic late fees and interest
- Most relevant in the UK
- Finance is a separate commercial decision
- Reviews note an occasional search quirk and a notified price rise
| Plan | Monthly price | Includes |
|---|---|---|
| All-in-one | from £80/mo | Chasing, Experian credit risk and optional invoice finance |
Kolleno: AI-forward all-in-one receivables, payments and reconciliation
Kolleno brings receivables, payments and reconciliation into one AI-forward platform. Its AI collections agent and copilot predict payment likelihood, surface at-risk accounts and assist with reconciliation. It is a natural fit for a mid-market team that wants everything under one roof, though it sits at the premium end on price and is billed per user.
Strengths
- Genuinely AI-forward: collections agent, payment prediction, dynamic credit scoring
- All-in-one receivables, payments and reconciliation
- Strong integrations from Xero up to NetSuite, SAP and Oracle
- Highly rated on G2 (4.9)
Watch-outs
- Premium, per-user pricing from $650 a user each month
- Can be hard to learn for non-specialists
- Requests for more customisable reporting
- Oriented to larger turnover bands ($1M+)
| Plan | Monthly price | Includes |
|---|---|---|
| BusinessPay | $650/user/mo | For >$1M turnover. Xero, QuickBooks, Sage Intacct, payment portal, collections inbox |
| Business Plus | $1,245/user/mo | For >$10M. Adds auto-reconciliation, invoice dashboard, customer portfolios, reporting, workflow automation, AI agent support |
| Enterprise | Custom / user | For >$100M. NetSuite, SAP, Oracle plus human agent support |
| Enterprise Plus | Custom | For $1Bn turnover. Custom ERP, 24/7 support, dedicated CSM |
ezyCollect: AR automation with credit risk, part of Sidetrade
ezyCollect, now part of Sidetrade, pairs automated collections with live credit intelligence, a fit for trade businesses where a creditworthy customer can quietly drift into trouble. Pricing is tiered by the number of active debtors and carries a setup fee, and some channels such as SMS sit in higher tiers.
Strengths
- Built-in credit risk screening via illion
- Strong fit for wholesale, distribution and trade
- Automated reminders, escalation and a payment portal
- Well rated on Capterra (4.9)
Watch-outs
- Pricier, with a setup fee from $900
- Priced by active debtors, not a simple monthly fee
- SMS and some channels sit in higher tiers
- Demand letters and debt collection cost extra via third parties
| Plan | Monthly price | Includes |
|---|---|---|
| EzyStart | $275/mo | Up to 200 debtors, 3 users, 1 workflow |
| EzyGrow | $950/mo | Up to 500 debtors, 5 users, 3 workflows |
| EzyScale | $2,350/mo | Up to 1,500 debtors, 10 users, 5 workflows |
| EzyUltimate | Custom | Up to 3,000 debtors, 20 users, 10 workflows |
CreditorWatch Collect: Collections with built-in credit data (formerly Debtor Daddy)
CreditorWatch Collect, formerly Debtor Daddy, combines customizable collection workflows with CreditorWatch credit data and debtor risk alerts. It is a strong fit for Australian businesses that want collections and credit monitoring together. Pricing is largely quote-based, with entry plans reported from around AUD $175 a month.
Strengths
- Backed by CreditorWatch credit data and risk alerts
- Customizable, human-in-the-loop collection workflows
- Email and SMS reminders
- Good fit for the Australian market
Watch-outs
- Pricing is quote-based and not clearly published
- Requires upfront workflow configuration
- Most relevant in Australia
- Smaller review base
Pricing: From around AUD $175/mo (quote-based).
At a glance
| Criteria | Paidnice | Chaser | Satago | Kolleno | ezyCollect | CreditorWatch Collect |
|---|---|---|---|---|---|---|
| Best for | Xero and QuickBooks businesses, including multi-entity groups, that want chasing plus enforcement in one tool | UK teams that want credit risk and insolvency monitoring alongside collections | UK businesses that want chasing plus built-in credit risk and optional finance | Mid-market and larger finance teams wanting AI collections and reconciliation in one platform | Wholesale, distribution and trade businesses that want collections plus credit risk | Australian businesses wanting collections plus CreditorWatch credit monitoring |
| Invoice chasing & reminders | Advanced reminders including gentle human-touch flows, SMS and quote reminders | Reminder sequences and a chasing inbox, now a standard feature across most tools | Automated reminders and chasing sequences | Automated reminders and a collections inbox | Automated reminders and escalation across email, with SMS in higher tiers | Customizable email and SMS reminder workflows and collection letters |
| Approach to AI | AI voice-call agent for overdue follow-up, plus a shared inbox where AI suggests and queues actions from customer replies for human approval | Mostly rule-based automation; AI-assisted message suggestions, with intelligence concentrated in credit-risk scoring rather than collections | Rule-based automation; intelligence comes from Experian credit data rather than a standalone AI agent | One of the most AI-forward tools: an AI collections agent and copilot that predict payment likelihood, flag at-risk accounts, score credit dynamically and help reconcile | Automation-led with predictive payment insight via the Sidetrade group rather than a standalone AI agent | Automation plus CreditorWatch credit-data and risk alerts rather than an autonomous AI agent |
| Enforcement (late fees & interest) | Automatic late fees, compounding interest, statements and escalations | Limited; no built-in automatic late fees or interest | Reminders and escalation; not built around automatic late fees | Orchestrates collections but stops short of charging automatic late fees | Collections and escalation; debt-collection demand letters via third parties | Collection workflows and escalation; human-led debt collection options |
| Credit control & risk | Customer payment-behaviour and risk scoring | Standout: UK credit checks and a Companies House-linked score estimating insolvency risk over 12 months, with monitoring alerts | Standout: Experian-backed credit checks, limits and monitoring, plus optional invoice finance | AI-driven dynamic credit scoring and at-risk detection | Live credit intelligence (via illion) to screen customers before extending terms | CreditorWatch credit data and debtor risk monitoring |
| Payments & collection | Pay-now links and branded portal; shared inbox for email and SMS | Payment portal and pay-now links | Pay-now options and a customer portal | Customizable payment portal, multiple methods, auto-reconciliation | SimplyPaid payment portal | Payment options and debtor self-service |
| Integrations | Xero and QuickBooks, including Xero parent and child relationships and multi-entity groups | Native Xero, QuickBooks, Sage and others | Xero, QuickBooks and Sage | Xero, QuickBooks, Sage Intacct, NetSuite, SAP, Oracle | Xero, MYOB, QuickBooks | Xero, MYOB, QuickBooks and others |
| Reviews & ratings | Capterra 4.9, Xero App Store 5.0 | Capterra 4.9 (~45); few Trustpilot reviews so that score is not a reliable signal | Well rated on Trustpilot and Capterra; named Xero App Partner of the Year in 2023 | G2 4.9 (~98), Capterra 4.9 | Capterra 4.9 (~12) | Capterra 4.5 (~13) |
| Pricing (from) | from $69/mo, unlimited users | $259/mo (Compact) | from £80/mo | $650 per user / month (BusinessPay) | $275/mo (EzyStart) | From around AUD $175/mo (quote-based) |
Approach to AI
AI is moving fast in accounts receivable. Here is how each tool actually uses it inside the product today, not just in marketing.
Paidnice
AI voice-call agent for overdue follow-up, plus a shared inbox where AI suggests and queues actions from customer replies for human approval
Chaser
Mostly rule-based automation; AI-assisted message suggestions, with intelligence concentrated in credit-risk scoring rather than collections
Satago
Rule-based automation; intelligence comes from Experian credit data rather than a standalone AI agent
Kolleno
One of the most AI-forward tools: an AI collections agent and copilot that predict payment likelihood, flag at-risk accounts, score credit dynamically and help reconcile
ezyCollect
Automation-led with predictive payment insight via the Sidetrade group rather than a standalone AI agent
CreditorWatch Collect
Automation plus CreditorWatch credit-data and risk alerts rather than an autonomous AI agent
Pricing compared
All prices are monthly and current as of June 9, 2026. Always confirm the latest with each vendor.
| Tool | Starting price | Billing model |
|---|---|---|
| Paidnice | from $69/mo, unlimited users | Unlimited users; scales by invoice volume |
| Chaser | $259/mo (Compact) | Published monthly |
| Satago | from £80/mo | Published monthly |
| Kolleno | $650 per user / month (BusinessPay) | Per user, per month |
| ezyCollect | $275/mo (EzyStart) | Published monthly |
| CreditorWatch Collect | From around AUD $175/mo (quote-based) | Quote-based |
Paidnice pricing in detail
| Plan | Monthly price | Includes |
|---|---|---|
| Starter and up | from $69/mo | Unlimited users, late fees, interest, statements, escalations and a shared inbox; plans scale up based on monthly invoice volume |
Chaser pricing in detail
| Plan | Monthly price | Includes |
|---|---|---|
| Compact | $259/mo | Total annual revenue under $5M. 4 users, 30 follow-up templates, 4 automated workflows |
| Core | $779/mo | Under $13M. Unlimited users, unlimited templates and workflows, multi-entity |
| Complete | $1,169/mo | Under $120M. Adds dedicated account manager, priority support, assisted onboarding, receivables forecast |
| Custom | Quote | For revenue above the Complete tier |
| Care | from $447/mo | Managed add-on alongside your Chaser software: payment follow-ups, phone calls, inbox management, AI-driven optimisations |
Satago pricing in detail
| Plan | Monthly price | Includes |
|---|---|---|
| All-in-one | from £80/mo | Chasing, Experian credit risk and optional invoice finance |
Kolleno pricing in detail
| Plan | Monthly price | Includes |
|---|---|---|
| BusinessPay | $650/user/mo | For >$1M turnover. Xero, QuickBooks, Sage Intacct, payment portal, collections inbox |
| Business Plus | $1,245/user/mo | For >$10M. Adds auto-reconciliation, invoice dashboard, customer portfolios, reporting, workflow automation, AI agent support |
| Enterprise | Custom / user | For >$100M. NetSuite, SAP, Oracle plus human agent support |
| Enterprise Plus | Custom | For $1Bn turnover. Custom ERP, 24/7 support, dedicated CSM |
ezyCollect pricing in detail
| Plan | Monthly price | Includes |
|---|---|---|
| EzyStart | $275/mo | Up to 200 debtors, 3 users, 1 workflow |
| EzyGrow | $950/mo | Up to 500 debtors, 5 users, 3 workflows |
| EzyScale | $2,350/mo | Up to 1,500 debtors, 10 users, 5 workflows |
| EzyUltimate | Custom | Up to 3,000 debtors, 20 users, 10 workflows |
Which should you choose?
For most Xero and QuickBooks businesses, Paidnice is the best credit control software: it chases, enforces with automatic late fees and interest, and is transparently priced from $69 a month. Choose Chaser or Satago if UK credit risk and insolvency monitoring are your priority, Kolleno for AI-driven mid-market collections, and ezyCollect or CreditorWatch Collect if you are a trade or Australian B2B seller that needs built-in credit data.
Frequently asked questions
What is credit control software?
Credit control software helps a business manage the money its customers owe: assessing creditworthiness before extending terms, automating reminders and collections, enforcing payment terms with late fees or interest, and monitoring credit risk over time. It is broader than a simple invoice-chasing tool.
What is the best credit control software?
For most Xero and QuickBooks businesses, Paidnice is the best all-rounder because it combines chasing with real enforcement on transparent pricing. Chaser and Satago are stronger if your priority is UK credit risk; Kolleno suits AI-driven mid-market collections; ezyCollect and CreditorWatch Collect fit trade and Australian businesses needing credit data.
What is the difference between credit control and accounts receivable software?
They overlap heavily. Accounts receivable software focuses on invoicing, chasing and collecting. Credit control (or credit management) software adds the credit side: vetting customers, setting limits, monitoring risk and enforcing terms. Many tools do both; see our <a href="/reviews/best-accounts-receivable-software/">AR software guide</a>.
Which credit control software is best for the UK?
Chaser (Companies House-linked insolvency risk) and Satago (Experian credit checks plus optional invoice finance) are the strongest UK credit-risk options. For UK statutory interest and chasing specifically, see our <a href="/reviews/best-credit-control-software-uk/">UK credit control guide</a>.
How much does credit control software cost?
Paidnice starts at $69 a month, Satago from about £80 a month, Chaser from $259 a month, ezyCollect from $275 a month, and Kolleno and CreditorWatch Collect are largely quote-based. All figures are monthly; confirm the latest with each vendor.
Last updated June 9, 2026. Independent comparison; pricing and ratings from public sources and subject to change.