---
type: Software Buyer's Guide
title: ezyCollect vs Chaser (2026): Credit Risk Compared
description: ezyCollect vs Chaser compared on credit risk, AI, enforcement, integrations, reviews and pricing. See which collections tool fits your business in 2026.
resource: https://accounting.events/reviews/ezycollect-vs-chaser/
tags: [ezycollect vs chaser, chaser vs ezycollect, ezycollect or chaser]
timestamp: 2026-08-30
---
**ezyCollect and Chaser are the two tools here that put a credit bureau inside the chasing tool, and they carry different bureaus for different countries. ezyCollect reads illion data for Australia and New Zealand, from A$275 a month. Chaser reads Creditsafe data for the United Kingdom, from £199 a month ex VAT.**

Where your customer is registered settles this comparison before any feature does, because a bureau only holds the market it covers. The meter on top of it is priced for that market as well: ezyCollect allocates a monthly allowance of illion scores by tier, and Chaser charges credits per check, four times as many outside the UK and Ireland. Chaser also raises the interest charge itself, which nothing on the Australian side of this page does. Prices and ratings verified August 2026.

**Related guides:** [ezyCollect alternatives for Australian businesses](/reviews/best-ezycollect-alternatives/), [the best Chaser alternatives](/reviews/best-chaser-alternatives/), [the best accounts receivable software in 2026](/reviews/best-accounts-receivable-software/)

The two home markets of these tools behave differently. An Australian small business waits 20.3 days to be paid and settles 4.3 days past due; a UK small business waits 29.3 days and settles 8.3 days past due, on Xero Small Business Insights data for June 2026. Both markets improved on a year earlier, from 24.6 and 7.0 days in Australia and 29.6 and 9.2 days in the UK.

## ezyCollect and Chaser compared: the table

Both tools chase, take payment, run instalment plans and refer out to a collection agency. Three rows separate them: which bureau sits behind the credit data, whether the tool raises the interest charge, and what the price is metered on.

|  | [ezyCollect logo](#ezycollect) | [Chaser logo](#chaser) |

| Revenue fit | Not published; priced by active debtors, 200 on the entry tier and 3,000 at the top | Up to £4m on the entry tier, to £200m across the range, though Chaser’s own pricing page also states £100m |

| Home market | Australia and New Zealand | United Kingdom, sells worldwide |

| Entry price | A$275/mo on annual billing, about 20 percent more month to month, plus setup from A$900 | £199/mo ex VAT, no setup fee |

| Chasing channels | Yes (email, mail, SMS, fax and call tasks; mail, SMS and fax charged on top) | Yes (email from your own Gmail or Outlook inbox, SMS, letters and one-way automated calls; channels are credit-metered) |

| Late fees and statutory interest | None found in the help centre or the July 2026 relaunch materials | Yes (one global rule); four calculation types including a Bank of England base rate type, recalculated daily |

| Credit data | Yes (illion, through Credit Insights); 40 to 140 scores a month by tier | Yes (Creditsafe, with Companies House filing and director data, monitoring and a Late Payment Predictor); 1 credit per check in the UK and Ireland, 4 elsewhere |

| Payment plans | Yes (subscription, fixed-amount or fixed-count instalments; enabled by support) | Yes (per invoice, weekly through to yearly); chasing follows the invoice due date rather than the instalment dates |

| Payments | Yes (SimplyPaid: cards, wallets, direct debit, EFT); A$90 plus GST a month gateway fee | Yes (Chaser Pay: cards, wallets, Pay by Bank, ACH, BACS and BECS) |

| Collections referral | Yes (partner referral, from 25 percent of recovered amounts); in-app demand letters at A$49 plus GST each | Yes (through Debitura); UK and EEA success fees 20 percent down to 6 percent by size, elsewhere 30 percent down to 7.5 percent |

| Ledgers | Xero, MYOB, QuickBooks Online, NetSuite, Dynamics, Sage 300, Sage Intacct, SAP Business One, Pronto Xi, Attaché | Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, Sage Business Central, NetSuite, Dynamics 365, AccountsIQ, SAP |

| Public API | Not published | Yes (open API) |

| Rated | 4.9 from 35 on the Australian Xero App Store; 4.7 from 25 on G2 | 4.98 from 374 on the Xero App Store; 4.5 from 68 on G2 |

| Last verified | August 2026 | August 2026 |

The order on this page follows region first, then whether the tool raises the charge itself, then what each vendor prints as a price and how much verified review evidence stands behind it. Where a capability exists in one tool and has no counterpart in the other, it is stated inside that tool’s entry rather than used to rank the other one down.

## 1. ezyCollect

Best for Australian and New Zealand trade businesses that want illion credit data before extending terms

### What is it best for?

For a wholesale, distribution or trade business on MYOB, Pronto Xi or SAP Business One that screens a customer’s credit standing before it ships on account.

**Fits:** Australian and New Zealand wholesale, distribution and trade businesses; the entry tier covers 200 active debtors, 3 users and 1 workflow, and the range runs to 3,000 debtors

**Regions:** Australia and New Zealand. Founded in Sydney in 2014, acquired by Sidetrade in October 2025 and relaunched with AIMIE in July 2026

**Entry cost:** A$275/mo on ezyStart at the annual-billing rate, with month-to-month about 20 percent higher, plus a one-off setup fee from A$900 and up to A$3,900 above the entry tier. As at August 2026, verify current pricing

**Rated:** 4.9 from 35 reviews on the Australian [Xero App Store listing](https://apps.xero.com/au/app/ezycollect); 4.7 from 25 on [G2](https://www.g2.com/products/ezycollect/reviews); 4.9 from 12 on [Capterra](https://www.capterra.com/p/135729/ezyCollect/)

**Awards:** None found

**Runs on:** Xero, MYOB (AccountRight, Exo, Essentials, Acumatica), QuickBooks Online, NetSuite, Dynamics, Sage 300, Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve, CSV

**Late fees and interest:** None found. Late fees and interest are absent from the help centre and from the July 2026 relaunch materials; the only charge the tool raises is a card surcharge

**Does best:** Live illion credit data on an Australian customer before you extend terms

ezyCollect works a customer rather than an invoice. Overdue invoices are consolidated to customer level and run through a pre-reminder and about six follow-up steps. Email is included in the subscription; mail, SMS and fax are charged on top, and a customer who falls outside the workflow window drops out of the automated follow-ups altogether.

Credit Insights is the part that earns the price. It blends live illion data with your own aged trial balance and payment terms, sorts customers into risk groups built from that combination, and allocates 40 to 140 credit scores a month depending on the tier. For a distributor deciding whether to ship on account, the check lands before the stock leaves the warehouse rather than after the invoice goes unpaid.

Escalation exists and is priced separately at every step. An in-app demand letter is A$49 plus GST, and Send to Debt Collector is a manual referral to partner agencies at commission from 25 percent of what they recover.

**Limitations with ezyCollect.** No late fee or interest mechanic of any kind, so a contractual interest charge is raised outside the tool. Pricing is not published on the site and is set by active debtors, so the bill moves with the ledger rather than with usage. A setup fee from A$900 lands in year one, month-to-month billing costs about 20 percent more than the annual rate, and mail, SMS, fax, demand letters and the A$90 plus GST monthly payment gateway all sit outside the subscription. Payment plans cover subscription, fixed-amount and fixed-count instalments, but they have to be switched on by support rather than by an admin in the app. Reviewers report a quoted price well above the advertised one. No public API documentation was found, and the review base is thin and mostly pre-2024.

## 2. Chaser

Best for UK teams that want Creditsafe credit checking in the same tool that sends the chase, up to £4m on the entry tier

### What is it best for?

For a UK finance team with a named credit controller that wants credit checks, statutory interest and multi-channel chasing running from one system.

**Fits:** UK-centred businesses with a named credit controller; the entry tier is priced for £4m turnover and under, and the tiers run to £200m, though Chaser’s own pricing page states £100m

**Regions:** UK-registered, trading since 2014, sells worldwide; automated calls are unavailable in New Zealand

**Entry cost:** £199/mo ex VAT on Compact for turnover to £4m with 4 users; Core £599/mo to £10m; Complete £899/mo above that; 10 percent off for annual billing and no setup fee. As at August 2026, verify current pricing

**Rated:** 4.98 from 374 reviews on the [Xero App Store listing](https://apps.xero.com/uk/app/chaser), the largest verified review base in the category; 4.5 from 68 on [G2](https://www.g2.com/products/chaser/reviews); 4.9 from 45 on [Capterra](https://www.capterra.com/p/157101/CHASER/)

**Awards:** Xero App Partner of the Year 2023

**Runs on:** Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, Sage Business Central, NetSuite, Dynamics 365, AccountsIQ, SAP, HubSpot, Gmail, Outlook

**Late fees and interest:** Yes. Four calculation types including a Bank of England base rate type, recalculated daily, but one global rule only, which cannot vary by schedule or customer group, and no fee is raised on payment-plan or partially paid invoices

**Does best:** Creditsafe credit checking and monitoring in the same tool as email, SMS and letter chasing

Chaser sells worldwide from a UK base and the product shows where it was built. Reminders leave the team’s own Gmail or Outlook mailbox on every plan, with SMS, physical letters, a customer portal and one-way automated calls layered on top. The automated call announces itself as automated, cannot understand a reply, and cannot be placed in New Zealand at all. Channels are credit-metered, and only the final overdue step in a schedule repeats.

The credit report is a Creditsafe file, and Creditsafe’s depth is a UK depth: a credit score with a recommended limit, the customer’s payment score, credit event history, Companies House filing and director data, continuous monitoring and a Late Payment Predictor. A check on a UK or Ireland registration costs one credit and a check on an Australian one costs four, which is the clearest available statement of where the product expects its customers to be.

Chaser also raises the interest charge, which is the capability with no counterpart on the Australian side of this page. The base rate calculation type recalculates daily and posts the fee to Xero as a line item.

**Limitations with Chaser.** One global late-fee rule that cannot vary by schedule or customer group, and no fee on payment-plan or partially paid invoices. Statements go monthly only, on a fixed day, with recipients and senders fixed. The Compact tier is capped at four users. Payment plan chasing follows the original invoice due date rather than the instalment dates, and Chaser’s own documentation advises chasing the instalments by hand. The entry price is tiered by company turnover rather than invoice volume, and it rose roughly four to five times when Chaser moved off its old invoice tiers, though it carries no setup fee, which is the figure that matters in the year-one comparison further down. Credit checks cost four credits each outside the UK and Ireland.

## illion or Creditsafe: what each bureau sees

Both tools show you a credit view before you ship on account. They are reading different registries, and neither one can see into the other’s.

illion is an Australian and New Zealand bureau. What ezyCollect surfaces through Credit Insights is an illion score blended with your own aged trial balance and payment terms, with customers sorted into risk groups built from that combination. It answers a question about an Australian or New Zealand business and has nothing useful to say about a company registered in Manchester.

Creditsafe is where Chaser’s report comes from, and in the UK that means the statutory record: Companies House filings, who the directors are, registered credit events, a payment score built from how the business settles its other suppliers, and a recommended limit to set terms against. It answers a question about a UK company and charges four times as much to look anywhere else.

The two also differ in what they blend in. ezyCollect mixes bureau data with your own ledger, which is why its risk groups are specific to your book and mean nothing to anybody else. Chaser presents the bureau file as it stands, with monitoring and a Late Payment Predictor over the top, which is why its output is something you can attach to a credit paper or show an insurer.

Two phrases in the table above are used in a fixed sense for this reason. “None found” means the vendor’s own materials say nothing either way, not that the vendor was asked and declined. “Not published” means no figure is printed anywhere public. Both appear where the evidence stops, rather than being filled in with an inference.

## How many credit checks each tier buys

The credit view is metered on both sides, on two different meters, and the meter is what the feature actually costs a business opening new trade accounts.

ezyCollect allocates credit scores by tier: 40 a month at the bottom of the range, rising to 140 at the top. That is an allowance rather than a purchase, so the cost per check falls the more of it you use, and running out is a hard stop inside the month rather than an extra line on the invoice.

Chaser meters per check. A UK or Ireland check costs one credit, a check anywhere else costs four, and credits are sold at £2 to £3 each. A distributor screening 40 UK customers a month is spending roughly £80 to £120 on top of the subscription. The same 40 checks against Australian registrations cost four times that.

The difference shows up mid-month. On ezyCollect the allowance stops and screening waits for the next cycle or the next tier, which turns into a commercial decision about whether to ship without a check. On Chaser credits are bought as needed, so screening carries on and the bill grows instead.

For a wholesaler opening accounts in volume this is the row to price out first, because it moves with how much new business you take on rather than with how much you already have on the ledger.

## How to choose by region

Region decides this comparison more than feature count does, because the credit data, the pricing currency and the ledger list all follow the vendor’s home market.

**Australia and New Zealand.** ezyCollect. The illion data, the AUD pricing and the local collection partners point one way, and so does the ledger list: MYOB AccountRight, Exo, Essentials and Acumatica, SAP Business One, Pronto Xi, Attaché, JCurve and Sage 300 run on ezyCollect and on nothing else here. Chaser sells into the market, charges four credits per credit check there, and cannot place automated calls in New Zealand.

**United Kingdom and Ireland.** Chaser. Creditsafe reports with Companies House filing and director data cost one credit, statutory interest is applied inside the tool, the price is published in sterling, and Sage 50, Sage 200, Sage Business Central, Dynamics 365 and AccountsIQ appear on its list alone.

**Everywhere else.** Chaser sells worldwide and ezyCollect does not, but the credit-data advantage thins outside the UK and Ireland at four credits a check. Xero, QuickBooks Online and NetSuite run both tools, so the decision falls back to price and to Chaser’s open API, which ezyCollect does not document.

One detail worth checking on Xero: Chaser’s late fee syncs as a ledger line item on Xero only, so a QuickBooks Online team gets the calculation without the posting.

## Which of the two applies late fees and statutory interest

This row is a jurisdiction question before it is a feature question. A UK supplier holds an entitlement in law that an Australian supplier does not, and only one of these two tools carries it.

The [Late Payment of Commercial Debts (Interest) Act 1998](https://www.legislation.gov.uk/ukpga/1998/20/contents) lets a UK business charge interest on an overdue B2B invoice at 8% a year over the [Bank of England base rate](https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate), with a fixed sum of £40, £70 or £100 on top according to the size of the debt. That entitlement is why Chaser’s base rate calculation type exists, and the rate moves, so check the current figure on [GOV.UK](https://www.gov.uk/late-commercial-payments-interest-debt-recovery/charging-interest-commercial-debt) before you invoice for it.

Australia has no equivalent statutory rate for ordinary commercial debts. Interest on a late payment is a term of the contract you wrote, so the rate, the trigger and whether it compounds are whatever your terms of trade say. That makes the software’s job different rather than smaller: the charge still has to be calculated from the due date, raised against the customer and posted to the ledger, and ezyCollect documents no mechanism for any of the three.

So an Australian ezyCollect customer with interest written into its terms raises the charge in MYOB, in Xero or on a spreadsheet, and the only charge the tool itself raises is a card surcharge. A UK Chaser customer gets the calculation run daily and posted to Xero, at one rate for the whole account.

### What Chaser can and cannot vary

The constraint on the UK side is grain rather than existence.

**Calculation types:** Four: a fixed amount, a percentage, a daily percentage, and the UK Bank of England base rate type, recalculated daily

**Number of rules:** One, global to the account. The rate cannot vary by schedule or by customer group, so a wholesale customer and a disputed account run the same rule

**Excluded invoices:** No fee is raised on payment-plan or partially paid invoices, which is where a chased account usually ends up

**Ledger posting:** Line-item sync to Xero only

Neither tool can run one interest policy for wholesale accounts and a different one for retail at the same time. Chaser has a single global rule; ezyCollect has none. A charge you can waive in writing in exchange for payment today is only on the table for the side that raised one.

## What ezyCollect actually costs in year one

The setup fee and the annual-billing discount both land inside the first twelve months, so neither headline rate is what the first year costs.

ezyCollect prices by active debtors, so the bill steps with the size of the ledger. Chaser prices by company turnover, so it steps with the size of the business whether the ledger grows or not. Neither publishes in the other’s currency and no conversion is applied anywhere on this page.

### ezyCollect plans

| Plan | Monthly price | Includes | Setup |

| **ezyStart** | A$275 | 200 active debtors, 3 users, 1 workflow | A$900 |

| **ezyGrow** | A$950 | 500 active debtors, 5 users, 3 workflows | up to A$3,900 |

| **ezyScale** | A$2,350 | 1,500 active debtors, 10 users, 5 workflows | up to A$3,900 |

| **ezyUltimate** | Custom | 3,000 active debtors, 20 users, 10 workflows | up to A$3,900 |

Annual-billing rates, displayed ex GST, which indicates Australian dollars, though the SAP Business One page quotes USD, so confirm the currency before you sign. Month-to-month is about 20 percent higher, which puts ezyStart at about A$330. Credit scores are allocated 40 to 140 a month by tier; mail, SMS and fax are extra; the payment gateway is A$90 plus GST a month. As at August 2026, verify current pricing.

### Chaser plans

| Plan | Monthly price | Includes | Setup |

| **Compact** | £199 | Turnover to £4m. 4 users, 30 templates, 4 schedules, 100 SMS and 100 call credits | None |

| **Core** | £599 | Turnover to £10m. Unlimited users, templates and schedules, 600 credits, multi-entity, call recording | None |

| **Complete** | £899 | Turnover to £200m, though the pricing page also states £100m. 1,200 credits, AR forecast, account manager | None |

| **Custom** | Quote | Above the Complete tier | None |

| **Care** | from £324 | Managed receivables add-on: follow-ups, phone calls and inbox management alongside the software | None |

Sterling, ex VAT, on the published monthly rates, with 10 percent off for annual billing. Add-ons: extra user £10, extra template or schedule £5 on Compact, AR forecast £9, cash flow forecast £20, letters £1.25 to £1.50 a credit, SMS £0.05 to £0.07, calls £0.08 per credit-minute, credit checks £2 to £3. As at August 2026, verify current pricing.

### The first twelve months, priced

Change the figures below to match the quote you are given, because the advertised rate and the quoted rate are reported to differ.

Worked example. On A$275 a month for 12 months plus a one-off A$900 setup fee, the subscription is A$3,300 and the first year costs A$4,200 in total, an effective A$350 a month. The page carries an interactive calculator for other amounts.

Year one is the plan rate multiplied by the months, plus the one-off setup fee. Use A$330 as the monthly rate to price month-to-month billing, which runs about 20 percent above the annual rate. Mail, SMS, fax, demand letters at A$49 plus GST each and the A$90 plus GST monthly payment gateway sit outside this figure.

Chaser has no first-year step at all. There is no setup fee, annual billing takes 10 percent off, and the published £199 a month is what the first twelve months cost before credit checks and channel credits. Set against ezyStart at A$275 a month plus a setup fee from A$900, the year-one comparison is A$4,200 against a flat subscription, which is a different question from the one the two headline rates appear to ask.

## Common questions

Short answers on the bureau, the credit-check allowance, the interest charge and the first-year cost, each in the currency the vendor publishes.

### Is ezyCollect or Chaser better?

Neither is better outright, and the answer is set by where your customers are registered. ezyCollect suits Australian and New Zealand wholesale, distribution and trade businesses that want illion credit data before extending terms. Chaser suits UK teams that want a Creditsafe file with Companies House filing and director data in the same tool that sends the chase.

### Which credit bureau does each tool use?

ezyCollect uses illion, through Credit Insights, blended with your own aged trial balance and payment terms. Chaser uses Creditsafe, presented as a report with a score, a recommended limit, a payment score, credit event history, Companies House filings and director data, plus monitoring and a Late Payment Predictor.

### How many credit checks does each plan include?

ezyCollect allocates 40 to 140 illion scores a month depending on the tier, as an allowance that stops when it is used up. Chaser meters per check instead: one credit for a UK or Ireland check and four for anywhere else, with credits sold at £2 to £3 each, so screening continues and the bill grows.

### How much do ezyCollect and Chaser cost?

ezyCollect is A$275 a month on ezyStart at the annual-billing rate, with month-to-month about 20 percent higher, plus a one-off setup fee from A$900. Chaser is £199 a month ex VAT on Compact, with no setup fee. Both rates were read in August 2026; ask the vendor for the current one.

### Which one applies late fees and statutory interest?

Chaser. It offers four calculation types including a UK Bank of England base rate type, recalculated daily, but as one global rule that cannot vary by schedule or customer group, and it raises no fee on payment-plan or partially paid invoices. ezyCollect documents no late fee or interest mechanic, so in Australia, where interest is a contract term rather than a statutory entitlement, the charge is raised outside the tool.

### Do ezyCollect and Chaser integrate with Xero and QuickBooks?

Both connect to Xero, QuickBooks Online and NetSuite. Only ezyCollect connects to MYOB, SAP Business One, Pronto Xi and Attaché. Only Chaser connects to Sage 50, Sage 200, Sage Intacct, Sage Business Central, Dynamics 365 and AccountsIQ. Confirm the exact ledger and edition you run before you commit.

### How do ezyCollect and Chaser use AI?

ezyCollect runs AIMIE, Sidetrade’s AI, for daily collection-priority recommendations and benchmarking. Chaser has an AI email generator, recommended chase times, a Late Payment Predictor and one-way automated calls that announce themselves and cannot understand a reply.

## How the two markets were checked

Two vendors, two currencies, two registries, and no conversion applied anywhere on this page.

ezyCollect’s rates were read from its own pricing page at the annual-billing rate and are displayed ex GST, which indicates Australian dollars, although its SAP Business One page quotes USD, so the currency is worth confirming in writing before signing anything. Chaser’s rates were read from its pricing page ex VAT, where the top of the range is stated as £100m in one place and £200m in another; both are printed here as the vendor prints them.

Ratings were taken from the Australian Xero App Store listing for ezyCollect and the UK listing for Chaser, alongside G2 and Capterra, with the count and the platform named beside each figure. ezyCollect’s review base is thin and mostly predates 2024, and the Sidetrade relaunch in July 2026 is more recent than any of it, so those reviews describe a product that has since changed.

The late-fee row for ezyCollect reads “None found” because neither the help centre nor the July 2026 relaunch materials mention a fee or an interest calculation anywhere. Nothing on this page was supplied, reviewed or paid for by either company.

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