Comparison, 2026
The best tools for chasing overdue payments in the UK
There is no single best tool, there is the best tool for who is doing the chasing. Kelo suits the owner chasing their own money; Chaser suits a finance team; Paidnice automates the after-overdue mechanics; Satago adds credit-risk data; and every business should turn on Xero or QuickBooks reminders first, because they are free. Here is who each one is genuinely for.
| Tool | From | Free tier | Built for |
|---|---|---|---|
| Kelo | Free to see, £99/mo | Yes | The owner chasing their own money |
| Chaser | From £199/mo | No | Finance and credit-control teams |
| Paidnice | From ~$29/mo | Limited | Automating the after-overdue mechanics |
| Satago | From £45/mo | No | Reminders plus credit-risk checking |
| Xero / QuickBooks reminders | Included | Yes | The forgetful payer |
Entry prices checked August 2026. See each tool’s own page for detail.
Kelo
Free to see, £99/moAnswers a different question from the rest: of everything you are owed, which single thing should you chase this week, and what is it worth. Connects to Xero read-only, ranks the queue by value and days late, drafts the message, and nothing sends without you. Best for a founder-led service business doing its own chasing.
Chaser
From £199/moMature, award-winning, and built for a team. Escalating reminder sequences, a route into debt collection, multi-entity receivables. If you have someone whose job is credit control, Chaser has the scale and history a newer tool cannot claim. Poor value for one person.
Kelo vs ChaserPaidnice
From ~$29/moVery good at what happens once an amount is overdue: escalating reminders, automatic late fees, payment plans, SMS. It runs on rules you set once. The premise is that you already know your process and want it executed without your attention.
Kelo vs PaidniceSatago
From £45/moCombines reminders with credit-risk data and finance options. If knowing a customer’s risk score before you extend terms matters to you, that is a real differentiator Kelo does not offer.
Kelo vs SatagoXero / QuickBooks reminders
IncludedThe baseline, and free. Scheduled reminders recover the client who simply forgot. They do not tell you which account needs a human or which amount is worth chasing first. Start here, then add a tool when the schedule runs out.
Common questions
What is the best invoice chasing software in the UK?
It depends on who is doing the chasing. For a founder chasing their own money, Kelo is built for exactly that, and is free to see what you are owed. For a finance team, Chaser has the most scale. For pure after-overdue automation, Paidnice. For credit-risk data, Satago. And every business should turn on Xero or QuickBooks reminders first, they are free.
Is there free invoice chasing software?
Yes. Xero and QuickBooks both include scheduled reminders at no extra cost, and Kelo has a free tier that shows you what you are owed and which account to chase first. You pay for the parts that save time and prove results: the drafted messages and the recovered-amount tracking.
Do I need chasing software if I already use Xero?
Not for the easy cases, Xero’s reminders handle the client who forgot. You need more when you cannot tell at a glance which unpaid amount deserves your attention this week, or when the message needs to come from a person rather than an @xero.com address.
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Kelo is operated by a sole trader registered in England.
Business address available on request. [email protected], replies within one working day.