Chaser and Satago both automate the chasing of unpaid invoices for UK businesses. Chaser fits a business with a credit control team that wants email, SMS, letters and calls, Creditsafe checks and statutory interest, from £199 a month. Satago fits a smaller business that wants credit reports and chasing at a lower price, from £45 a month, with optional invoice finance.
In short
- Price: Satago costs £45, £80 or £200 a month. Chaser costs £199, £599 or £899 a month by company revenue.
- Chasing: Chaser adds letters and automated calls. Satago sends email, with SMS on Premium and Platinum.
- Finance: Satago offers invoice finance, advancing up to 90% of an invoice. Chaser does not lend.
Chaser and Satago side by side
| Chaser | Satago | |
|---|---|---|
| Entry price | £199 a month (Compact) | £45 a month (Basic) |
| Higher tiers | £599 (Core), £899 (Complete), Custom | £80 (Premium), £200 (Platinum) |
| Pricing meter | Company revenue: under £4m, £10m and £100m | Flat tier with credit report, reminder and SMS allowances |
| Yearly billing | About 10% less (£179 a month on Compact) | £450, £800 or £2,000 a year |
| Users | 4 on Compact, unlimited on Core and above | Not stated on the pricing page |
| Chasing channels | Email from your own mailbox, SMS, letters, automated calls | Email (100 a month on Basic, unlimited above); SMS on Premium (100 a month) and Platinum (1,000 a month) |
| Credit data | Creditsafe credit checks and monitoring | Credit scores, credit limit suggestions and credit reports (25 on Basic, 100 on Premium, unlimited on Platinum) |
| Late fees | One account-wide rule, four calculation types including the Bank of England base rate | Custom late fees in chase schedules, per Satago’s site |
| Payments | Payment portal and Chaser Pay (cards, Apple Pay, instant bank transfer) | Card and buy now, pay later on Premium and Platinum |
| Invoice finance | No | Yes, up to 90% of an invoice, priced separately |
| Managed service | Chaser Care, from £899 a month with Compact | Dedicated account manager on Platinum |
| Ledgers | Xero, QuickBooks, the Sage range, NetSuite, Microsoft Dynamics and more | Xero, QuickBooks, Sage |
| Xero App Store (UK) | 4.98 from 374 reviews | 4.93 from 92 reviews |
Prices from each vendor’s own pricing page, per month, before VAT. Check current pricing with the vendor.
Which one fits your business?
Which one fits
- Choose Chaser if you have a credit controller or a team, you want letters and automated calls as well as email and SMS, and you want statutory interest added to overdue invoices. Chaser also fits businesses on NetSuite, Microsoft Dynamics or the Sage range.
- Choose Satago if you are a smaller UK business that wants credit reports and automated chasing for under £100 a month, or you may want to borrow against your invoices from the same provider.
How much do Chaser and Satago cost?
Satago costs £45 a month on Basic, £80 on Premium and £200 on Platinum, or £450, £800 and £2,000 billed yearly. Chaser costs £199 a month on Compact for revenue under £4m, £599 on Core under £10m and £899 on Complete under £100m, about 10% less billed yearly. Satago’s top tier costs about the same as Chaser’s entry tier.
Which has better credit data?
The two take different approaches. Chaser runs credit checks and monitoring through Creditsafe, a named credit bureau. Satago gives each customer a credit score, a risk band and a suggested credit limit, and includes a set number of full credit reports on each tier. Satago’s pricing page does not name the bureau behind its reports. A business that sells on credit to many new customers gets more reports per pound from Satago.
Which one chases harder?
Chaser has more channels. It sends email from the controller’s own mailbox, SMS, letters and automated calls, on schedules before and after the due date, and it can add statutory interest under the Late Payment of Commercial Debts (Interest) Act 1998. Satago sends email reminders on schedules, adds SMS on Premium and Platinum, and lets you add custom late fees to its schedules.
What if you need invoice finance?
Only Satago offers it. Satago can advance up to 90% of an invoice’s value, on a single invoice or the whole ledger, priced separately from the software. Satago is majority owned by TruFin plc. In July 2024 Lloyds Bank gave notice to end its commercial agreement to offer Satago to Lloyds customers; Satago continues to sell and support its products. A Chaser customer who needs finance uses a separate lender.
Common questions
Is Chaser or Satago better?
Neither is better for every business. Chaser fits a business with a credit control team that wants letters, calls, Creditsafe checks and statutory interest. Satago fits a smaller business that wants credit reports and chasing from £45 a month, or that wants invoice finance from the same provider.
Is Satago cheaper than Chaser?
Yes. Satago’s plans cost £45, £80 and £200 a month. Chaser’s plans cost £199, £599 and £899 a month, set by company revenue. Satago’s Platinum tier, at £200, costs about the same as Chaser’s Compact tier at £199.
Does Chaser offer invoice finance like Satago?
No. Chaser does not lend against invoices. Satago can advance up to 90% of an invoice’s value as a separate, separately priced product. A Chaser customer who wants invoice finance needs a separate lender.
Do Chaser and Satago work with Xero?
Yes. Both list on the Xero App Store UK. Chaser has 4.98 stars from 374 reviews and Satago 4.93 from 92. Both also connect to QuickBooks and Sage. Chaser also connects to NetSuite and Microsoft Dynamics.
Which one adds late payment interest?
Chaser adds statutory interest with four calculation types, including one that follows the Bank of England base rate, applied by one rule to the whole account. Satago’s site says it can add custom late fees to its chase schedules. Test the calculation you need in a trial of either tool.
Sources
- Prices: Chaser’s and Satago’s own pricing pages.
- Ratings: Xero App Store listings for Chaser and Satago.
- Late Payment of Commercial Debts (Interest) Act 1998.
- Satago ownership and the Lloyds agreement: Finextra and TruFin.
- Features: each vendor’s product and help pages, as summarised in Chaser vs Upflow and the best Satago alternatives.
Neither vendor paid to appear on this page. The tools appear in alphabetical order.
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