The main Satago alternatives are Chaser, in2 collect, Kolleno, Paidnice and Upflow. Chaser fits a UK team that wants Creditsafe checks and multi-channel chasing. in2 collect fits a UK SME that wants AI chasing and Companies House risk scores. Kolleno fits an AR team that needs cash application. Paidnice fits a business that wants late fees per customer group. Upflow fits a team that wants collections analytics. None of the five offers invoice finance.
In short
- Satago costs £45, £80 or £200 a month and bundles credit reports, chasing and optional invoice finance.
- The alternatives replace the chasing and, in some cases, the credit data. None of them lends against invoices.
- Published entry prices run from £49 a month (Paidnice) to £199 (Chaser); Kolleno charges per user and Upflow quotes only.
Why do businesses look for a Satago alternative?
Satago sells three things together: automated payment chasing, credit risk insight and invoice finance. Businesses usually look elsewhere for one of three reasons. They want more chasing channels or late fees than Satago’s tiers include. They want a credit data source other than Satago’s credit reports. Or they do not use the invoice finance and want to pay only for credit control.
Satago is still sold by its parent, TruFin plc. In July 2024 Lloyds Bank gave notice to end its commercial agreement with Satago, which had offered Satago to Lloyds invoice finance customers. Satago continues to serve its users.
Satago and the alternatives side by side
| Satago | Chaser | in2 collect | Kolleno | Paidnice | Upflow | |
|---|---|---|---|---|---|---|
| Entry price | £45 a month | £199 a month | £79 a month | €650 per user a month | £49 / $69 a month | Quote only |
| Meter | Flat tier with credit report and reminder allowances | Company turnover | Invoices a month on Starter | Per user, turnover above €1m | Invoices a month | Revenue and invoice volume |
| Credit data | Credit scores and credit reports (25 on Basic) | Creditsafe checks and monitoring | Payment behaviour plus Companies House data | AI credit scores, bureau integrations | None found | Light scoring |
| Chasing | Email; SMS on Premium and Platinum | Email, SMS, letter, calls | AI email sequences; SMS on Growth | Email and SMS | Email and SMS | Email, SMS, letter |
| Late fees | Custom late fees in chase schedules, per its site | One account-wide rule, 4 calculation types | Statutory interest letters | None found | Late fees and interest per customer group, posted to the ledger | Via your ERP only |
| Invoice finance | Yes | No | No | No | No | No |
| Ledgers | Xero, QuickBooks, Sage | Xero, QuickBooks, Sage, NetSuite and more | Xero, NetSuite | Xero, QuickBooks, Sage Intacct, NetSuite, SAP and more | Xero, QuickBooks Online | Xero, QuickBooks, NetSuite, Sage Intacct |
| Xero App Store (UK) | 4.93 from 92 | 4.98 from 374 | None found | 5.0 from 18 | 5.0 from 83 | 5.0 from 1 |
Tools after Satago appear in alphabetical order. Prices are the entry tier on each vendor’s own pricing page, per month, before VAT. Kolleno shows prices in the visitor’s currency. Check current pricing with the vendor.
What does each Satago alternative replace?
Each tool below replaces Satago’s chasing. Some also replace its credit data. The fit line says which business each one suits.
Chaser
Choose Chaser if you are a UK business under £10m turnover and you want Creditsafe credit checks, email, SMS, letters and calls, and a statutory interest charge in one tool.
- Price: £199 a month on Compact (turnover under £4m, 4 users), £599 on Core (under £10m), £899 on Complete (under £100m).
- Replaces from Satago: chasing and credit checks. Chaser runs Creditsafe checks and monitoring, which gives a named bureau source.
- Late fees: one rule for the whole account, with four calculation types including the Bank of England base rate.
- Limits: the price steps with company turnover, and the late fee rule cannot vary by customer group.
in2 collect
Choose in2 collect if you are a UK SME on Xero or NetSuite and you want AI-written chase sequences, a reply and dispute inbox, and customer risk scores built from Companies House data.
- Price: £79 a month on Starter (up to 200 invoices a month), £179 on Growth (unlimited invoices, SMS, one-click pay links, credit scoring, 13-week cash forecast), £349 on Scale. 14-day free trial.
- Replaces from Satago: chasing and credit risk. It scores each customer on payment behaviour plus live Companies House data and suggests credit limits.
- Late fees: sends statutory interest letters.
- Limits: Xero and NetSuite today; Sage and QuickBooks are on its roadmap. Credit scoring starts on the Growth tier.
Kolleno
Choose Kolleno if your AR team is spending its time matching payments to invoices, and you run a larger ledger such as NetSuite, SAP or Sage Intacct.
- Price: €650 per user a month on BusinessPay for turnover above €1m; €1,245 per user on Business Plus, minimum two users.
- Replaces from Satago: chasing and credit risk, with AI credit scores and bureau integrations. Adds AI cash application that matches payments to invoices.
- Late fees: none found in its documentation.
- Limits: priced for an AR team, so one user costs more than every Satago tier.
Paidnice
Choose Paidnice if you use Xero or QuickBooks Online and want reminders, statements, and late fees or interest that differ by customer group and post to the ledger.
- Price: £49 / $69 a month on Essentials for up to 150 invoices a month; Pro from $99 a month for 300 invoices. Priced by invoice volume.
- Replaces from Satago: chasing and late fees. Paidnice applies late fees and interest per customer group and posts them to Xero or QuickBooks Online.
- Credit data: none found; pair it with a credit bureau if you rely on Satago’s credit reports.
- Limits: Xero and QuickBooks Online only on the published tiers.
Upflow
Choose Upflow if you want to measure DSO and collection effectiveness across a finance team, you bill through Stripe Billing, Chargebee or Zuora, and you accept a quoted price.
- Price: quote only on every tier. The last published prices were $440 a month (Grow) and $880 (Scale). The free Discover tier gives analytics only.
- Replaces from Satago: chasing, with deeper analytics: DSO against best possible DSO and a collection effectiveness index.
- Late fees: no native late fees; Upflow documents applying them in the ERP.
- Limits: no bureau credit data and no published price.
What if you use Satago for invoice finance?
None of the five alternatives lends against your invoices. If you use Satago’s invoice finance, which advances up to 90% of an invoice’s value, you need a separate invoice finance provider, such as your bank or a specialist lender, alongside the credit control tool you choose. Check with the lender whether it connects to your accounting system, because the finance and the chasing will then run in two separate products.
Common questions
What is the best alternative to Satago?
The fit depends on what you use Satago for. For credit checks plus chasing, Chaser (Creditsafe) and in2 collect (Companies House data) are the closest. For late fees by customer group, Paidnice fits. For cash application, Kolleno fits. For analytics, Upflow fits. None of them offers invoice finance.
How much does Satago cost?
Satago costs £45 a month on Basic (25 credit reports, 100 email reminders a month), £80 on Premium (100 credit reports, unlimited email, 100 SMS a month) and £200 on Platinum (unlimited credit reports under fair use, 1,000 SMS a month, account manager). Invoice finance is priced separately.
Which Satago alternative is cheapest?
Of the alternatives with a published price, Paidnice’s Essentials tier is the lowest at £49 / $69 a month for up to 150 invoices, followed by in2 collect’s Starter tier at £79 for up to 200 invoices. Chaser starts at £199. For reference, Satago’s own Basic tier costs £45 a month.
Does any Satago alternative offer invoice finance?
No. Chaser, in2 collect, Kolleno, Paidnice and Upflow do not lend against invoices. A business that uses Satago’s invoice finance needs a separate lender if it moves its credit control to one of these tools.
Is Satago still available after Lloyds ended its agreement?
Yes. Lloyds Bank gave notice in July 2024 to end its commercial agreement with Satago. Satago, majority owned by TruFin plc, continues to sell and support its credit control, risk insight and invoice finance products.
Sources
- Prices: each vendor’s own pricing page (Satago, Chaser, in2 collect, Kolleno, Paidnice, Upflow).
- Ratings: Xero App Store listings for Satago, Chaser, Kolleno, Paidnice and Upflow.
- Satago ownership and the Lloyds agreement: Finextra and TruFin.
- Feature rows: each vendor’s own product and help pages, as summarised in Satago vs Chaser vs Paidnice and Chaser vs Upflow.
No vendor paid to appear on this page.
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