Summary
Credit control software automates the chasing of unpaid invoices. It syncs with Xero, QuickBooks or Sage, sends scheduled email and SMS reminders, tracks promises to pay and disputes, and reports aged debt and DSO. For a Xero organisation, choose it by five decisions: who runs it, what you may charge, what Xero already does, what you measure and the budget.
- Credit control vs credit management: credit control chases invoices already issued; credit management decides before the sale whether a customer gets credit, using bureau checks such as Creditsafe.
- Published prices: £45 to £199 a month for a Xero SME tool, $650 per user for Kolleno, and quote only for enterprise platforms such as HighRadius, Esker and Billtrust.
- UK statutory interest: 8% a year above the Bank of England base rate, 11.75% at the 3.75% base rate of 30 June 2026 (4% since 5 November 2026). Paidnice and Chaser compute it, and Paidnice can vary the rule by customer group.
| Tool | Best for | From |
|---|---|---|
| Paidnice | A Xero organisation that wants reminders, statements and a different late fee policy for each customer group, any size up to $50m a year | £49 (US$69) a month |
| Chaser | A Xero team with a named credit controller that wants Creditsafe credit checks in the same tool as the chasing, under £4m on the entry tier | £199 a month |
| Credit Hound | A Sage-first credit controller with a Xero organisation on the side who needs a dispute and promise-to-pay worklist | $25 to $454 a month, first user, by ledger |
| Kolleno | A Xero organisation beside a NetSuite or SAP ledger where reconciliation takes the week | $650 per user a month |
| Satago | A Xero or Sage 50 business that wants credit reports and invoice finance from the provider that runs its chasing | £45 a month |
| Upflow | A Xero finance team that wants countback DSO and collection effectiveness measured before it buys anything else | Last published $440 a month for Grow and $880 for Scale; current prices are hidden, request a quote |
What is credit control software?
Credit control software is the tool a business uses to collect invoices it has already issued: it connects to the accounting ledger, chases each overdue invoice on a schedule and shows the finance team what is late and why.
- Ledger sync: credit control software keeps a two-way connection to Xero, QuickBooks or Sage, so a payment stops the reminders.
- Reminders and dunning: credit control software sends email and SMS sequences that escalate by days overdue; some tools add letters and calls.
- Promises to pay and disputes: credit control software records what each customer agreed and which invoices are on hold, so the chase pauses.
- Payment links and a portal: each reminder carries a pay-now link, and a portal shows the customer the whole balance.
- Aged debt and DSO reporting: credit control software reports aged debt, days sales outstanding and the balance above 90 days, before and after you switch on.
What is the difference between credit control and credit management software?
Credit control software chases invoices after the sale; credit management software decides before the sale whether a customer gets credit at all, and on what limit.
| Credit control | Credit management | |
|---|---|---|
| When | After the invoice is issued | Before terms are agreed |
| Job | Reminders, statements, promises to pay, disputes, aged debt | Credit applications, bureau checks, credit limits, monitoring |
| Examples | Access Collect, Chaser, Credit Hound, Paidnice | Creditsafe, and the credit reports inside Chaser and Satago |
Some products sit on both sides. Chaser runs Creditsafe checks in the same tool as the chasing, Satago’s Risk Insights uses Creditsafe and Companies House data, and Paidnice checks payment behaviour natively and adds Creditsafe on the Custom plan. Access Collect is a module inside Access Financials, so it suits only businesses already on that ledger.
How much does credit control software cost?
Credit control software costs nothing extra for Xero’s own reminders, £45 to £199 a month for an SME tool, and per-user or quote-only pricing above that. Each figure below is the vendor’s published from-price.
| Tier | Published price | What you get | Examples |
|---|---|---|---|
| Built into the ledger | Included with Xero | Invoice reminders on one fixed schedule, no charges raised | Xero invoice reminders |
| SME credit control tool | £45 to £199 a month | Reminder sequences, statements, a portal, and late fees or credit reports on some tools | Satago £45, Paidnice £49 (US$69), Nagging Panda £150, Chaser £199; Credit Hound $25 to $454 a user |
| Mid-market platform | Per user, per year or quote only | Cash application, analytics, ERP connections | Kolleno $650 per user a month, Access Collect £3,600 a year, CreditorWatch Collect and Upflow quote only |
| Enterprise AR suite | Quote only | Order-to-cash automation over SAP, Oracle or Dynamics | Billtrust, Esker, HighRadius |
Step 5 below covers the meter each tool charges on, such as users, turnover or invoice volume. Check current pricing with the vendor.
How do you choose credit control software for Xero?
Choose credit control software for Xero by five decisions in order: who runs it, what you may charge, what Xero already does, what you will measure and the budget. Each decision removes tools: a credit check inside the chasing tool leaves Chaser and Satago, and a per-user budget under $650 rules out Kolleno.
Step 1. Who will run credit control?
Credit control software should match the person who runs it: an owner, a small finance team, a named credit controller or a reporting function. Every tool on this page connects to Xero, so this is the first real cut.
- An owner or director wants a policy set once and left alone; Paidnice and Satago both send on a schedule without anyone logging in.
- A small finance team wants control and reporting; Paidnice and Chaser both vary the reminder sequence by customer group, and Chaser’s Compact plan includes 4 users.
- A named credit controller wants a worklist; Credit Hound is built around promise-to-pay records and dispute logging, covered on the debtor management comparison.
- A finance function reporting upward wants numbers first, which points at Upflow for DSO analytics, or at Kolleno when reconciliation takes the week.
Step 2. What are you allowed to charge?
Decide your late fee and interest policy before you look at any tool, because the policy sets the grain of tool you need. Under the Late Payment of Commercial Debts (Interest) Act 1998, a UK B2B supplier can charge 8% a year above the Bank of England base rate, plus a fixed sum by size of debt.
At the 3.75% base rate of 30 June 2026 that is 11.75% a year. The base rate rose to 4% on 5 November 2026. Chaser applies one set of late-fee rules, across the account or for selected debtors, not tied to schedules; Paidnice runs a separate policy for each customer group, Credit Hound, Kolleno and Upflow document no native fee calculation, and Satago adds an optional late fee to its reminder emails. The fixed sums are on the UK credit control comparison and the law on late payment fees in the UK.
Before a demo, decide three things: whether every customer pays the same rate, whether part-paid and payment-plan invoices attract a fee, and who may waive a fee once it is raised. Chaser raises no fee on payment-plan invoices, and Chaser’s help says a late fee cannot be added or updated after a part payment when written to Xero.
Step 3. What does your Xero organisation already do?
Xero’s own invoice reminders are the free baseline: switch them on first, then pay only for what they cannot do.
Xero’s own invoice reminders run to one fixed pattern for the whole organisation, send from a Xero address and raise no charge, so a difficult account and a reliable one get the same treatment. The limits are covered on the Xero invoice chasing comparison.
Xero does not add interest to late invoices. The request to add it was posted to the Xero ideas board on 29 March 2012 and has 1,114 votes.
Before buying, check two things in Xero. First, whether your contacts are grouped in a way a tool can use, because customer groups drive per-group sequences and fees. Second, what each tool writes back to Xero, since a tool that only reads cannot raise a charge.
Step 4. What will you measure?
Measure three numbers before you switch anything on: countback DSO, collection effectiveness and the balance above 90 days, each taken from your Xero ledger for the prior three months.
- Countback DSO, read against best possible DSO, shows the collectable part of DSO, the only part software can move.
- Collection effectiveness is the share of collectable cash actually collected in a period, and it holds up in a growing sales book where DSO does not.
- The balance above 90 days, from the aged debt report, shows whether the oldest debt shrinks after the switch.
Step 5. What will it cost, and what is the price based on?
Credit control software prices follow one of three meters: users (Credit Hound, Kolleno), company turnover (Chaser) or invoice volume (Paidnice). The meter decides what happens to the bill as you grow.
A controller, a manager and a bookkeeper are three seats on a per-user tool: at Kolleno’s $650 per user that is $1,950 a month. Chaser moves you up a tier as revenue grows, from £199 a month on Compact to Core from £599 above £4m turnover.
Extras are metered too. Chaser bills SMS, letters and calls as credits on top of the plan; Paidnice charges £0.05 per SMS and £1.50 per posted letter; Credit Hound sells its PayThem payment module separately.
Two prices need care. Satago’s £25 tier is the Sage 50 embedded edition, which a Xero business cannot buy, and Upflow’s last published prices were $440 a month for Grow and $880 for Scale; current prices are hidden and must be requested.
How this comparison was put together
This guide helps a business on Xero choose credit control software by who will run it, what it may charge and what it will cost.
| What we checked | Where the evidence came from |
|---|---|
| Who runs credit control in each tool | Vendor feature pages and plan limits |
| Late fees and interest | Vendor help pages on fees and interest, and the statutory rules for each country |
| Xero connection | The Xero App Store listing and vendor integration pages |
| Price and plan limits | Each vendor's pricing page, and the last reported price where it is now hidden |
| Ratings | The Xero App Store, G2 and Capterra, with the review count |
Which tools fit a Xero organisation, side by side?
The tools that survive the five steps for a Xero organisation sit side by side below. Paidnice and Chaser apply UK statutory interest themselves. Satago and Credit Hound reach Xero from the Sage channel, and Kolleno and Upflow are mid-market platforms priced above the Xero SME band.
 Paidnice |
 Chaser |
 Credit Hound |
 Kolleno |
 Satago |
 Upflow |
|
|---|---|---|---|---|---|---|
| Revenue fit | Any size up to $50m a year, or 50,000 invoices a year | Compact under £4m, Core from £4m, Complete to £100m | Not published | Under £1m on BusinessPay, tiers to £1bn and above | Not published | Quote-only tiers by gross invoice value |
| From (monthly) | £49 (US$69) on Essentials | £199 | $25 to $454 first user, by ledger | $650 per user | £45 standalone, £25 inside Sage 50 | Last published at $440 Grow, $880 Scale; now quote-only |
| Xero connection | Yes (native, two-way) | Yes (native) | Yes (priced per user) | Yes | Yes (native) | Yes |
| Beyond Xero | QuickBooks Online on every plan; newer ledgers such as Rillet, Campfire and Odoo on every plan through closed testing; ERPs on Custom | QuickBooks, Sage, NetSuite, Dynamics 365 Business Central | Sage 50, Sage 200, Sage Intacct | NetSuite, SAP, Sage Intacct, Business Central, QuickBooks Online | Sage, Sage 50, QuickBooks, KashFlow, FreeAgent | QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora |
| Late fee grain | Yes (per customer group) | Yes (one set of rules for the account) | None found | None found | Optional, added to reminder emails | No (via your ERP only) |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | None found | Yes (in the portal) | Yes | Portal PDF statement, no scheduled send |
| Payment plans | Yes (Pro plan) | Yes | None found | Yes | Not documented | No |
| Portal | Yes | Yes | No (PayThem payment links only) | Yes | Not documented | Yes |
| Credit checks | Yes: native checks from payment behaviour, plus Creditsafe via API on the Custom plan | Yes (Creditsafe) | No (limits read from your ledger) | Yes (AI scores, bureau integrations) | Yes (credit reports and limits) | Yes (light scoring) |
| AI | Advanced Reads customer replies, drafts answers and follow-up actions (like PO updates) for your approval; MCP server for Claude, ChatGPT and other agents | None No named AI feature | Advanced Insights, Copilot drafts and an autonomous Agent; AI agent support from Business Plus, fully automated agent runs and AP portal features billed separately by token use | None No AI feature found | Advanced Collections agent from the Scale plan and cash application agent from Accelerate, from suggest-only to autonomous | |
| Rated (source, count) | 5.0 (84, Xero App Store) | 4.98 (374, Xero App Store) | 5.0 (12, Sage UK Marketplace) | 4.9 (117, G2) | 4.93 (92, Xero App Store) | 4.8 (235, G2) |
"Not documented" means the vendor does not document the capability. "Not published" means the vendor does not print a price. "None found" means no evidence either way. Prices are the vendor's published or last-verified from-price. Check current pricing with the vendor.
Who should choose Paidnice?
Paidnice fits a Xero or QuickBooks Online business that wants reminders, statements, late fees and interest run automatically by customer group, at any size up to $50m a year, or 50,000 invoices a year.
- Paidnice price: £49 (US$69) a month on Essentials (150 invoices, 2 team members); Pro from £74 (US$99) with unlimited users; priced by invoice volume, not revenue.
- Paidnice runs on Xero and QuickBooks Online on every plan; newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo on every plan through Paidnice’s closed testing program; Sage Accounting, NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on the Custom plan.
- Paidnice late fees: a Bank of England base rate toggle, with a separate policy for each customer group.
- Paidnice rating: 5.0 from 84 Xero App Store reviews; 4.9 on Capterra.
Paidnice automates credit control for Xero: email and SMS reminders, sending from your own authenticated domain on the Pro plan, scheduled statements, late fees and interest posted to the Xero ledger, payment plans on the Pro plan, a customer payment portal and escalation.
Paidnice attaches policies to customer groups once, and they then run against every invoice in the Xero organisation without anyone logging in.
On step 2, Paidnice documents a late fee policy per customer group; Chaser runs one set of rules. On step 3, Paidnice writes the charge back to Xero as an invoice, with a Draft option so a person can review it first.
Limitations with Paidnice. There is no time-limited free trial, only the first 20 actions free, so the evaluation runs on your live ledger. Two team members on Essentials is tight for a small finance team. Xero and QuickBooks Online are on every plan, and newer ledgers such as Rillet, Campfire and Odoo are on every plan through closed testing; Sage Accounting and other ERPs need the Custom plan. On review volume it sits behind Chaser, 84 against 374.
Not the best fit on the standard plans if: you need Sage Accounting or another ERP (the Custom plan connects them), or a time-limited sandbox trial.
Who should choose Chaser?
Chaser fits a Xero finance team with a named credit controller that wants Creditsafe credit checks and email, SMS and letter chasing in one system, under £4m turnover on the entry tier.
- Chaser price: £199 a month on Compact for turnover under £4m with 4 users; Core £599 and Complete £899 a month.
- Chaser runs on Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, NetSuite, Dynamics 365 Business Central and SAP.
- Chaser late fees: four calculation types, including a Bank of England base rate type, on one set of rules.
- Chaser rating: 4.98 from 374 Xero App Store reviews; 4.3 from 71 on G2.
Chaser sends reminders from the team's own Gmail or Outlook mailbox, so replies land where people already work, with SMS, posted letters, a payer portal and an integrated collections partner behind them.
Chaser carries a Creditsafe credit report in the app, so a team can check risk and chase in one place. The credit side is covered in full on the credit control software comparison.
Limitations with Chaser. Chasing can vary by customer group, but the late fee runs on one set of rules with no documented way to run different rules per group, so the chase and the charge follow two different clocks. No fee is raised on payment-plan invoices, and Chaser’s help says a late fee cannot be added or updated after a part payment when written to Xero. Chaser statements go monthly on a fixed day, its Compact plan caps the team at four users, and its price follows company turnover. Chaser credit checks need Chaser billing, not Xero App Store billing, and are sold by credit on any plan; monitoring is not offered in Australia.
Not the best fit if: you need a late fee that varies by customer group, or a price that follows invoice volume instead of turnover.
Who should choose Credit Hound?
Credit Hound fits a Sage-first finance team with a named credit controller and a Xero organisation on the side, where a dispute and promise-to-pay worklist matters more than the charge.
- Credit Hound price: $25 to $454 a month for the first user, depending on the ledger; the PayThem payment module costs extra.
- Credit Hound runs on Sage Accounting, Sage 50, Sage 200, Sage Intacct, Infor SunSystems Cloud and Xero; it has no QuickBooks Online connector.
- Credit Hound late fees: none found in Credit Hound’s product pages, FAQs or product guide.
- Credit Hound rating: 5.0 from 12 reviews on the Sage UK Marketplace.
Credit Hound is built as a credit controller’s worklist, with structured dispute management and promise-to-pay tracking; the full case is on the debtor management comparison. Nothing in its documentation computes interest or writes a charge back to a ledger.
Limitations with Credit Hound. It is built and priced for Sage, and the Xero connector costs the same per user as the Sage 50 one (£51 for the first user, £35 for each extra user). Nothing in the documentation computes a charge. Payments are a separate PayThem module, and the public review base is 12 reviews.
Not the best fit if: you run Xero with no Sage ledger, or you need a late fee or interest charge raised for you.
Who should choose Kolleno?
Kolleno fits an order-to-cash team with a Xero organisation beside a NetSuite or SAP ledger, where reconciliation takes the week, with workflow automation on Business Plus at $1,245 per user.
- Kolleno price: $650 per user a month on BusinessPay ($545 on annual billing); Business Plus $1,245 per user.
- Kolleno runs on NetSuite, SAP, Sage Intacct, Business Central, Workday, Xero and QuickBooks Online, among others.
- Kolleno late fees: none found in Kolleno’s feature pages or help articles.
- Kolleno rating: 4.9 from 117 G2 reviews; 5.0 from 18 Xero App Store reviews.
Kolleno matches payments to invoices (auto-reconciliation) on Enterprise only, by quote; BusinessPay at $650 per user a month does not include it. Xero and QuickBooks connect on BusinessPay and Business Plus; NetSuite and SAP start on Enterprise. Its cash application covers email remittance parsing, BAI2, NACHA and ISO 20022 bank files, match scoring and NetSuite multi-currency journal entries. Its depth is treated at length on the credit control software comparison.
Limitations with Kolleno. For a Xero-only business, step 5 usually ends the conversation: $650 per user a month on BusinessPay, which leaves out workflow automation, and $1,245 per user, two users minimum, on Business Plus.
Nothing in its materials documents a late fee or an interest calculation. Reviewers name navigation and reporting depth as weak points, and Kolleno's pricing page does not say which actions a workflow can hold.
Not the best fit if: you are a Xero-only SME with a budget under $650 per user a month, or you need late fees computed.
Who should choose Satago?
Satago fits a UK business on Xero or Sage 50 that wants credit reports and invoice finance from the same provider that runs its chasing; no revenue band is published.
- Satago price: £45 a month Basic, £80 Premium and £200 Platinum as a standalone app (published GBP prices); £25 inside Sage 50.
- Satago runs on Xero, Sage, Sage 50, QuickBooks, KashFlow and FreeAgent.
- Satago late fees: optional, added to reminder emails; ledger posting not documented.
- Satago rating: Satago holds 4.93 from 92 reviews on the UK Xero App Store.
For a Xero organisation the route in is the standalone app at £45 a month. The cheaper £25 figure in some comparisons belongs to the Sage 50 embedded edition, which a Xero business cannot subscribe to.
Satago’s Risk Insights combines Creditsafe and Companies House data to show whether an account should have had terms in the first place. The pricing and the invoice finance side are set out on the credit control software comparison.
Limitations with Satago. The £45 Basic tier caps email reminders at 100 a month and does not list own-inbox sending; your own inbox costs £80. On step 2, Satago adds an optional late fee to reminder emails and does not document posting it to the ledger. Beyond the Xero App Store its public ratings are 4.5 from 129 reviews on Trustpilot and 4.5 from 4 on Capterra, and it sells in the UK only.
Not the best fit if: you trade outside the UK, need late fees or interest computed, or want reminders from your own inbox on the entry tier.
Who should choose Upflow?
Upflow fits a B2B finance team on Xero that manages by metric and wants countback DSO and collection effectiveness measured before it changes how it chases.
- Upflow price: Upflow’s last published prices were $440 a month for Grow and $880 for Scale; current prices are hidden and must be requested.
- Upflow runs on Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee and Zuora.
- Upflow late fees: no native calculation; Upflow’s documentation points the job back to the ERP.
- Upflow rating: 4.8 from 235 G2 reviews; 4.5 from 15 on Capterra.
Upflow’s dashboards show countback DSO against best possible DSO, collection effectiveness and an at-risk rate above 90 days, filtered by workflow, country or account manager. Upflow offers a free Discover dashboard tier and a 14-day free trial on its Xero App Store listing; its pricing page lists no trial.
Limitations with Upflow. It answers step 4 and little else. Step 2 gets a no: fees go back to the ledger, and there are no instalment plans, only customer-initiated part payments. Step 5 needs a sales call. Automatic actions run once a day on business days only, and sending through your own SMTP loses open and click tracking.
Not the best fit if: you need late fees, instalment plans or a published price.
What should you ask in a credit control software demo?
Ask these twelve questions in a credit control software demo, each one traced back to a step above, with the answer that should reassure you next to the answer that should worry you.
| Ask | Reassuring answer | Answer that should worry you |
|---|---|---|
| 1. Who is this built for, an owner or a credit controller? (Step 1) | They name one and describe that person's day | "Anyone in finance" |
| 2. Once it is live, how much time a week does it need from us? (Step 1) | A number, and what the time is spent on | "It's fully automated" |
| 3. Can the late fee rule differ between two customer groups, and can I see both rules on one screen? (Step 2) | They show two policies running side by side | A single settings page with one rate field |
| 4. When a customer part pays an invoice, does the fee still calculate? (Step 2) | Yes, on the remaining balance | "Part-paid invoices are excluded" |
| 5. Who can waive a fee, and where is that recorded? (Step 2) | A permission and an audit entry | Anyone with a login, no record |
| 6. What exactly do you write back to my Xero organisation, and can I see it as a Draft first? (Step 3) | A named list of objects, with a Draft option | "We sync everything" or read-only |
| 7. What sends the message after Xero's own reminders stop? (Step 3) | A sequence with channels and days attached | A vaguer version of what Xero already does |
| 8. Do my Xero contacts need reorganising before this works? (Step 3) | An honest yes, with an estimate | "It works out of the box" |
| 9. Do you measure DSO on a countback basis, and can I see best possible DSO next to it? (Step 4) | Both, on one dashboard | One average DSO number |
| 10. Can I export the measures, and what is my baseline on day one? (Step 4) | Export, plus a backfill from the ledger | Reporting starts the day you sign |
| 11. Is this priced per user, per invoice or on my turnover, and what moves me up a tier? (Step 5) | The metric named, with the next threshold | "Let's talk about that later" |
| 12. What is metered on top of the plan, and what is the total for three users in year one including setup? (Step 5) | A written figure covering both | A monthly price and no total |
Vendors rarely volunteer the answer to question 12, the three-user year-one total, so get it in writing before the trial ends.
What else do people ask about credit control software?
What are the tools of credit control?
The tools of credit control are written payment terms, invoice reminders, statements, late fees or statutory interest, payment plans, promise-to-pay and dispute records, credit checks and the aged debt report. Credit control software runs most of these tools of credit control from the accounting ledger.
What are credit control procedures?
Credit control procedures are the written steps a business follows from invoice to payment. A workable order for a Xero organisation:
- Clean the ledger: contacts, email addresses and open balances in Xero.
- Set payment terms and put them in writing before work starts.
- Set the reminder cadence, for example 5 days before the due date, on the due date, then 7, 15 and 30 days overdue.
- Pilot the sequence on one customer group for a month.
- Track DSO and the balance above 90 days against your baseline.
What is the best software for automating accounts receivable?
The best accounts receivable software depends on your ledger and who runs credit control. For a Xero business, the tools on this page run from Satago at £45 a month to Kolleno at $650 per user. The wider field is on accounts receivable software for Xero.
What is the best software for credit reports?
A credit bureau such as Creditsafe is the source of most UK business credit reports. Chaser runs Creditsafe checks inside its chasing tool, Satago’s Risk Insights uses Creditsafe and Companies House data, and Paidnice checks payment behaviour natively and adds Creditsafe on the Custom plan.
We have never used credit control software. Where do we start?
Start with Xero’s own invoice reminders, which come with your Xero subscription. Leave Xero’s own invoice reminders running for a month and take a baseline of DSO and the balance above 90 days, so a paid trial has a number to beat.
Do we need a credit controller before we buy a tool?
No. Paidnice and Satago send reminders on a schedule with nobody logged in, while Credit Hound is built as a named credit controller’s worklist. Choose the kind that matches who will run credit control.
How long does one of these take to set up?
Credit control software setup goes mostly on work the software cannot do: grouping customers in Xero, agreeing the escalation ladder, writing the reminder templates and deciding who may waive a charge. Connecting Xero is the quick part.
Will it sync properly with our Xero organisation?
Every tool here holds a direct Xero connection, so nothing needs a CSV import, but test the depth. Paidnice, Chaser and Satago are built around the Xero connection; Credit Hound, Kolleno and Upflow treat Xero as one ledger among several, which shows in what they write back.
Is credit control the same as debt collection?
No. Credit control is your own team working your own ledger under your own relationship with the customer. A collection agency takes over after you decide the debt is not coming in, and takes a percentage of what it recovers. Good credit control means reaching for the agency less often.
For tools on other ledgers, the credit control software buyer’s guide compares six tools across Xero, QuickBooks Online, Sage, NetSuite and Business Central.
Sources
8 sources, checked by Julie Turnbridge on November 6, 2026
- Xero App Store apps.xero.com/uk/app/paidnice
- G2 g2.com/products/kolleno/reviews
- G2 g2.com/products/upflow-upflow/reviews
- Capterra capterra.co.uk/software/254868/paidnice
- Xero App Store apps.xero.com/uk/app/chaser
- G2 g2.com/products/chaser/reviews
- Xero App Store apps.xero.com/uk/app/kolleno
- Capterra capterra.co.uk/software/193097/Upflow
