Credit control software compared: Chaser, Kolleno and Upflow (2026)

Summary

• These three platforms have different audiences: despite often being compared, the three tools highlight different types of customers on their websites.
• Chaser: best for teams collaborating on credit control, with payor analytics, forecasting and a built-in debt collection route. Primarily UK mid-market. From £199/month.
• Kolleno: best if you want invoicing, payments and reconciliation alongside collections, run by a finance team. Mid-market and enterprise. From £650/user/month.
• Upflow: best for AR analytics and reporting in a scaling B2B or SaaS company. ARR-based, quote-only pricing (around $440/month via third parties).
• Trove: best for a UK business on Xero that wants a more focused credit control tool at a fixed price. From £50/month with a 30-day trial.

Who each credit control tool is built for

Chaser: credit control and debt collection for mid-market UK

Sample logos (source: Chaser website, June 2026)

Chaser is a UK product and the customers featured on its website are typically UK companies of 100 to 200 employees in traditional industries like FMCG, media and recruitment. Chaser does not have an invoicing feature but is unique in its debt collection pathway. This suits more traditional industries who (unlike digital) cannot ‘turn off’ the service if the customer does not pay and therefore require debt collection as a feature.

Kolleno: full AR for mid-market and enterprise

Sample logos (source: Kolleno website, June 2026)

Kolleno is headquartered in London and its website features mostly mid-market and enterprise finance teams, across tech, manufacturing and insurance, with case studies like Rakuten and Drata. It’s the broadest of the three: alongside collections and payments it also issues invoices and reconciles them.

Upflow: full AR and reporting for US tech

Sample logos (source: Upflow website, June 2026)

Upflow is US-headquartered and features scaling and enterprise B2B companies on its website, many of them tech and SaaS businesses based in San Francisco. It calls itself a “financial relationship management” platform rather than a reminder tool and the emphasis is on analytics, cash flow forecasting and full AR visibility. Its integrations - NetSuite, Stripe, Chargebee, Zuora - point to venture-backed, recurring-revenue companies.

Feature comparison: Chaser, Kolleno and Upflow

All three chase invoices and take payments. Beyond that, each one leads on something different.

Chaser leads on debt collection and payment incentives

• Debt collection. Chaser provides a built-in escalation to a no-win-no-fee debt collection service which is unique.
• Early payment discounts. Chaser markets ways to incentivise customers to pay more quickly with early payment discounts if payment is received before the due date.

Kolleno leads on breadth and dispute management

• Breadth. Invoicing, payments and reconciliation alongside collections in one platform, so more of the receivables cycle lives in a single system.
• Support for difficult collections. Kolleno provides AI-led support on dispute management and credit risk management, which stands out when compared to the other providers.

Upflow leads on analytics and payment portal

• AR analytics and reporting. DSO, ageing balance, billing cohort analysis, forecasting and at-risk accounts - the strongest reporting of the three.
• Customer payment portal. A self-service payment portal is provided for each customer. It is user friendly and makes paying in bulk easy.

A note on pricing

Each of these platforms price differently: Chaser by turnover band, Kolleno per user, Upflow by ARR. For the full breakdown of what each costs and what the pricing structure tells you, see our credit control software pricing comparison.

An alternative: Trove focuses on credit control only

All of the platforms above offer credit control and something else. For Chaser, that’s debt collection. For Kolleno, it’s e-invoicing. For Upflow, it’s advanced analytics. This also pushes the pricing up.

Trove assumes you already use a platform like Xero, Stripe, Quickbooks or NetSuite to cover invoicing, payments and advanced analytics, and instead focuses solely on credit control. This keeps the tool straightforward, simple and well priced.

Trove: works best for UK SMBs

Trove works primarily with small and mid-sized businesses in the UK. Its customers use Xero, FreeAgent, NetSuite, Stripe and Business Central. Most have either a small finance team or no finance team at all, with the owner or partners still doing the chasing.

Trove focuses on chasing down unpaid invoices

Trove is a focused product that does one job: collect unpaid invoices. Among its capabilities are:

• Send invoice reminders on your schedule, from your own email domain
• Run per-customer reminder sequences and pre-due-date reminders
• Calculate and raise UK late payment fees automatically
• Apply payment plans where required
• Integrate with your CRM, Slack or MS Teams to keep the sales team in the loop
• Onboard unlimited users across your team

Trove doesn’t offer invoicing, advanced analytics or in-house debt collection. If you need those, one of the three tools above will serve you better.

Trove’s pricing is fixed

Starts at £50/month with a top tier at £285/month for multi-entity needs and NetSuite or Dynamics integration. Because pricing is fixed rather than scaled to your size, the cost doesn’t climb as your turnover grows or you add team members.

Feature comparison

Here’s how the four compare side by side.

Feature	Chaser	Kolleno	Upflow	Trove
Pricing starts at	£199/month	£650/user/mo	~$440/mo (unconfirmed)^	£50/month
Invoice reminders	✅	✅	✅	✅
Take payments	✅	✅	✅	-
Issue invoices	-	✅	-	-
Payment reconciliation	-	✅	✅	-
Debt collection pathway	✅	-	-	- (refers)
Credit checks / risk	✅	✅	-	-
Dispute management	-	✅	-	-
UK late payment fee automation	✅	No mention	✅	✅
Free analytics tier	-	-	✅	-
Xero, QuickBooks, FreeAgent	✅	✅	✅	✅
NetSuite, Sage, ERPs	✅	✅	✅	✅
Free trial	✅ 10-day	-	Analytics only	✅ 30-day
^Upflow does not publish their pricing. This is an estimate based on third party sites. For more detail on pricing, see our credit control software pricing comparison.

Compare them head to head

For the detail on any pairing, we’ve compared two of them directly: Chaser vs Upflow and Kolleno vs Upflow. Looking at one vendor on its own, see our Chaser alternatives, Kolleno alternatives and Upflow alternatives guides. For pricing detail on all three, see the credit control software pricing comparison, and the credit control software guide profiles the wider field.