Kelo vs Chaser
Chaser is built for a finance team. Most owners don’t have one.
Chaser is a mature, well-regarded product with more than a decade of Xero integration behind it. It is also priced and shaped for companies with somebody whose job is receivables. If that describes you, it is a strong choice. If you are the founder doing the chasing between client work, you are buying a department’s tool.
| Chaser | Kelo | |
|---|---|---|
| Entry price | £199/month (Compact) | £99/month (Recover) |
| Next tier | £599/month (Core) | £199/month (Recover Pro) |
| Built for | Finance and credit control teams | The owner chasing their own money |
| Setup model | Configure templates and workflows | One number, one action each week |
| Free trial | 10 days | See your figures before paying |
| Debt collection | Built-in escalation pathway | Not offered |
| Track record | 10,000+ users, Xero since 2014 | Early-stage, UK only |
Chaser figures taken from their published pricing page and checked on 10 August 2026. Pricing in this category changes often — verify before deciding.
Choose Chaser if
You have someone in a finance or credit control role, you need a formal escalation route into debt collection, or you are running receivables across multiple entities. Chaser has scale, awards and a long integration history that a newer product simply cannot claim. At £199 a month it is good value for a team; it is poor value for one person.
Choose Kelo if
You are the person who would have to do the chasing, and it keeps slipping because you do not know where to start. Kelo gives you a single number each week and the one action worth taking, with the message already drafted for your approval. Half the price, and no workflow configuration before you see value.
The real difference is who does the thinking
Chaser is workflow software. You define the sequences, the templates and the escalation rules, and it executes them reliably at scale. That is exactly right when a person owns the process and needs leverage on it.
Kelo assumes nobody owns the process. It looks at everything outstanding, decides what matters most this week by value and days late, and puts one action in front of you with a draft attached. The judgement is the product, not the sending.
That difference shows up in the first hour. With Chaser you are configuring. With Kelo you are approving a message to your oldest debt. Neither is better in the abstract — they suit different businesses, and if you have a finance function, Chaser is likely the sounder buy.
Common questions
Is Kelo cheaper than Chaser?
Yes. Kelo is £99 a month against Chaser’s £199 entry tier, and £199 against Chaser’s £599 Core tier. Chaser’s pricing scales with company revenue, so larger businesses pay considerably more.
Does Kelo do debt collection like Chaser?
No. Chaser includes a pathway into formal debt collection and Kelo does not. If escalation to a collections agency is part of your process, that is a genuine reason to choose Chaser.
Does Kelo connect to Xero and QuickBooks?
Both, read-only, via OAuth. Kelo can never change anything in your ledger. Connecting takes about three minutes.
Will Kelo email my clients automatically?
No. Every message is drafted and waits for your approval, and you can edit any word before it sends. For an owner-run business the client relationship is the asset.
See your own number first.
Two minutes, no account. Then decide whether Kelo or Chaser fits what you actually need.
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