Credit control software pricing: Chaser, Kolleno and Upflow compared

Facts checked September 2026.

Chaser, Kolleno and Upflow all come up when finance teams research credit control software, and getting a straight answer on what any of them costs is harder than it should be. Three of the four tools here price in pounds; Upflow prices in dollars by annual recurring revenue. Here’s what’s publicly known, what isn’t, and what each pricing model tells you about the business it’s built for.

Summary

• Chaser pricing: published, by turnover band, from £199/month, with a 10-day free trial. Some features (SMS, auto-call, payment portal) are priced add-ons.
• Kolleno pricing: per user, from around £650/user/month, quoted on request, with no published free trial.
• Upflow pricing: not published; third-party sites suggest entry plans from around $440/month by ARR, with a free analytics-only tier.
• Trove pricing: fixed from £50/month, with no per-user fees and no turnover thresholds, plus a 30-day free trial.
• How pricing changes over time: Chaser’s bill steps up with your turnover, Kolleno’s grows with every user, and Upflow’s rises with revenue, so three of the four climb as your business does even if your usage doesn’t.

Chaser pricing 2026

Chaser publishes its pricing, which is more than can be said for most tools in this space. Plans scale with your annual revenue.

Plan	Annual revenue	Price
Compact	Under £4 million	£199/month
Core	Under £10 million	£599/month
Complete	Under £100 million	£899/month
Custom	Above £100 million	Contact sales

There’s a 10-day free trial available, with no credit card required.

One thing to watch: A few of Chaser’s features are paid add-ons. SMS reminders, auto-call and the payment portal are all paid so make sure you get a full quote. The jump between bands is steep too - a business that crosses £4 million in turnover moves from £199 to £599/month without changing how it uses the product.

Chaser pricing as of September 2026. Source: chaserhq.com

Kolleno pricing 2026

Kolleno publishes per-user figures but still quotes on request, so you go through a demo before you get a real number. The public figures point to an enterprise price point.

Tier	Pricing basis	Price
Entry	Per user	from £650 /user/month
Higher tier	Per user	around £1,245 /user/month
Custom	Per user, plus add-ons	Contact sales

Per-user figures as of September 2026. Kolleno quotes on request, and pricing varies by company size and requirements.

There’s no published free trial. Onboarding typically takes around 10 days and extra charges can apply for integrations and customisations on top of the per-user fee.

Kolleno pricing as of September 2026. Source: kolleno.com

Upflow pricing

Upflow has a pricing page but it doesn’t list prices. Every paid plan requires you to contact sales and go through a demo before you get a number. Third-party sites like TrustRadius do give some indication on pricing:

Plan	ARR band	Price
Discover	Any	Free (analytics only)
Grow	$0-$10M ARR	~$440/month*
Scale	$10M-$50M ARR	~$880/month*
Strategic	$50M+ ARR	Unknown

*Figures sourced from TrustRadius - not confirmed by Upflow directly.

*Upflow pricing as of September 2026. Source: upflow.io/pricing

The free Discover tier is limited to analytics only. You can see your AR data, but you can’t automate any chasing until you’re on a paid plan. There’s no time-limited trial that gives you access to the full tool before you buy.

Why do most credit control tools price based on revenue?

Bigger businesses generally have more complex needs and revenue is an easy way to draw a dividing line on pricing. For example:

• Chaser’s cheapest plan (£199/mo) covers businesses with up to £4m of revenue. It has basic features, allowing only 4 users and up to 30 templates.
• The next plan up (£599/mo) covers £10m of revenue. This plan comes with more advanced features like unlimited users and multi-entity support.

However, this can be frustrating for two reasons.

Firstly, you may not be using the more advanced features. If you sit at £8m in revenue but only have one entity and a few users, you’ll be paying £599 for limited additional functionality.

Secondly, turnover alone is a poor proxy. While revenue may be high, you might have low margins which put a monthly payment of £599 out of reach.

Let’s take two examples:

1. A recruitment agency placing contractors might turn over £20 million and keep £1.6 million of it, with the rest passing straight through as contractor pay.
2. A B2B software business on the same £20 million might keep £16 million. Both send a similar number of invoices.

Both need the same job done. Both would land in the more expensive band for most vendors.

Business type	Turnover	Gross profit	Chaser tier	£899 as a % of gross profit
Contract recruitment	£20m	£1.6m (8%)	Complete, £899/mo	0.67%
B2B SaaS	£20m	£16m (80%)	Complete, £899/mo	0.07%

Same tool, same work, and the low-margin business pays roughly ten times more of the money it actually keeps.

Trove: Fixed pricing for AR software

Chaser, Kolleno and Upflow all tie their pricing to the size of your operation: Chaser by turnover band, Kolleno by user count, Upflow by annual recurring revenue. Either way, your costs can change as you grow, even if nothing about your actual usage of the tool changes.

This can be irritating, especially if you’re in an industry where turnover is high but margins are tight. In these cases, fixed pricing can be a better option.

This is where Trove fits. Trove is built for SMB and scale-up businesses that want automated invoice chasing at a fixed price. Starting at £50/month, there are no per-user fees, no add-ons to configure, and no annual revenue thresholds to worry about. The 30-day free trial gives you enough time to see whether it works for your business before you spend anything - see what to test during a credit control software free trial for how to use it.

Trove pricing as of September 2026. Source: trove.works/pricing

When size-based pricing is the better deal

Size-based pricing isn’t a trick and there are situations where it’s the right thing to buy. The main one is if the tool is absorbing work you would otherwise hire for.

If the features on the more expensive plans are replacing work done by a person, they may be worth it. Measured against a salary, £899 isn’t much.

How they compare

	Chaser	Kolleno	Upflow	Trove
Starting price	£199/month	£650/user/mo	~$440/mo (unconfirmed)	£50/month
Pricing published?	Yes (base plans)	Per-user figures only	No	Yes
Pricing model	By turnover band	Per user	By ARR tier	Fixed price
Free trial	10 days	No	Free tier (analytics only)	30 days
Target customer	UK SMBs to mid-market	Mid-market/enterprise finance teams	Scaling/enterprise B2B & SaaS	Small/mid-market B2B

What the pricing tells you about each product

Pricing structure tends to reflect product philosophy, and these four tools sit a long way apart.

Chaser is built for small to mid-sized businesses that want predictable costs and a quick setup. Published pricing and turnover-based tiers suggest a product designed for business owners and lean finance teams, not procurement. The add-on model and the steep jumps between bands add complexity, but the base plan is accessible.

Kolleno is built for finance teams, not business owners. Per-user pricing, a sales-led process and a multi-day onboarding all point to a platform bought by mid-market and enterprise teams with a budget and an evaluation cycle. You’re paying for breadth and collaboration - invoicing, payments, reconciliation and collections in one place, designed for a team to run together.

Upflow is a different product for the software industry. ARR-based tiers, undisclosed pricing and a mandatory sales process point to a tool built for scaling tech companies that need a collections product to integrate into their stack. The AR analytics and workflow configurability go well beyond what most small businesses need or want to manage. For what B2B SaaS teams need after the retry window closes, pricing that scales with your revenue is only part of the picture.

Trove sits at the other end of the spectrum. Fixed pricing, no add-ons, no per-user fees, and a self-serve trial mean you can be up and running in an afternoon without talking to anyone. It’s designed for businesses where one or two people handle collections and the goal is to spend less time on it, not more.

What to ask before you sign

Pricing pages rarely tell you what actually moves the number. These four questions do.

What happens to my price if turnover grows 30% but invoice volume doesn’t? This is the question that separates the models. If the answer is that the price rises, you’re paying for size rather than work.

Is “collected revenue” all my revenue, or only what the tool recovers? A meaningful difference on a percentage-based plan, and the wording on pricing pages is often ambiguous. Get it in writing.

Which features are add-ons? Chaser’s SMS reminders, auto-call and payment portal all sit outside the headline price. Build a full quote covering what you’ll actually use rather than comparing base plans.

What’s the minimum term, and what happens at renewal? Annual commitments are common, and a tool priced on a turnover band will reassess when you renew.

For how the tools differ on features and target customers, see our credit control software comparison. For the full breakdown on each vendor, see what Chaser costs, what Kolleno costs and what Upflow costs.

Frequently asked questions

What’s the best pricing model for a high-volume business? Usually a fixed fee, because your costs then track your feature needs rather than your turnover. The exception is a tool that absorbs enough work to replace a hire, in which case compare it against a salary rather than against other software.

Is fixed-price credit control software cheaper than percentage-based? Past a low threshold, almost always. On £5 million of collected revenue, 0.3% is £15,000 a year against £600 for a tool at £50/month. The two converge somewhere below £200,000 of collected revenue.

Why don’t some tools publish pricing? Usually because they price by negotiation against company size. It’s normal in enterprise software, but it makes budgeting harder, and it’s a fair thing to weigh when your margin is thin.

Do any credit control tools charge a percentage of what they collect? Some do. Lunos.ai publishes 0.3% of collected revenue, Upflow has historically billed as a percentage of revenue collected, and LedgerUp prices on billing volume. Most UK tools aimed at smaller businesses charge a fixed fee instead.