Fifteen UK products get sold as all-in-one payments and credit control. Test each against the four things that phrase implies (raise your invoice, collect on its own rails, chase beyond email, reconcile to your ledger) and on published pages one passes all four: Adfin. We'd argue the tests tell you more than the scores do.
In this article
The short version
- Four tests, fifteen products, judged on their own published pages as at 19 August 2026. One passes all four, Adfin, and four others pass three.
- Xero's own UK page describes direct debit as happening "via Go Cardless or Stripe", so the ledger you invoice from isn't collecting your money.
- Ignition's UK direct debit is processed by Stripe, and your client's bank statement shows "IGNITIONPAY".
- Loosen test three to count email reminders as chasing and Stripe passes all four too. Every test is written out so you can re-run it.
- GoCardless publishes the best exit terms here: no minimum term, no notice, no exit fee, plus a contractual right to your mandate list.
The four tests, and what each leaves out
All-in-one offers you one contract where you had two or three, so each test covers one of the four jobs that offer makes. A product has to publish the capability on its own pages to pass.
| Test | What it asks | Why it's here |
|---|---|---|
| 1. Invoicing | Does it raise and send your invoice itself? | If it reads invoices out of somebody else's ledger, your invoicing lives elsewhere |
| 2. Collection | Does it collect on its own rails, or does a named third party collect? | A reseller arrangement leaves you with two vendors and one bill |
| 3. Chasing | Does it chase on a channel other than email? | Email-only chasing is already free inside Xero and QuickBooks, so it separates nothing |
| 4. Reconciliation | Does it publish a sync that reconciles payments to a ledger? | Otherwise somebody on your team matches payments by hand |
Test three is the arguable one, and relaxing it is covered below. The tests also ignore plenty you may care about more: price, credit checking, invoice finance, forecasting, payables, collection in euros or dollars, and whether any of it is pleasant to use. A product can fail every test and still be your right buy.
Fifteen products against four tests
| Product | Raises your invoice | Collects on its own rails | Chases beyond email | Reconciles to a ledger | Passed |
|---|---|---|---|---|---|
| Access PaySuite | Not published | Yes | Not published | Xero, QuickBooks, mostly via Zapier | 2 of 4 |
| Adfin | Yes | Yes | Email, WhatsApp, SMS | Xero and QuickBooks, automatically | 4 of 4 |
| Bottomline | Not published | Yes | Not published | Logos shown, no detail | 1 of 4 |
| Chaser | No, reads your ledger | Yes, Chaser Pay, no Bacs | Email, SMS, automated calls | Xero, QuickBooks, four Sage products | 3 of 4 |
| Credit Hound | No, reads your ledger | Yes, PayThem, priced apart | Email plus human call lists | Sage native, Xero, no QuickBooks | 2 of 4 |
| GoCardless | Not published | Yes | Not published | Via integration | 2 of 4 |
| Ignition | Yes | No, Stripe processes it | Not published | Via ledger integrations | 2 of 4 |
| Kolleno | No, reads your ledger | No, GoCardless named | Email and AI workflows | Yes, plus payables | 1 of 4 |
| London & Zurich | Not published | Yes | Not published | Xero and QuickBooks named | 2 of 4 |
| Modulr | Not published | Yes | Not published | None named for collections | 1 of 4 |
| Paidnice | No, reads your ledger | No, payment links only | Email and SMS | Xero and QuickBooks | 2 of 4 |
| QuickBooks | Yes | Cards and Pay by Bank, no Bacs mandate | Email only, three slots | Yes, it's the ledger | 2 of 4 |
| Satago | No, reads your ledger | Card and BNPL, pricing page only | Email, SMS on Premium up | Yes, via integrations | 3 of 4 |
| Stripe | Yes, Invoicing | Yes, including Bacs | Billing reminders, not credit control | Via integration | 3 of 4 |
| Xero | Yes | No, "via Go Cardless or Stripe" | Email only, five slots | Yes, it's the ledger | 2 of 4 |
Every cell comes from the product's own pages, listed in the sources below. Alphabetical, because no independent UK ranking of these products exists.
Rails, reminders and ledgers
Read down the columns instead of across the rows and three shapes keep coming back. They explain the result better than anything we could tell you about our own product.
The collectors don't chase. Six of the fifteen move your money by direct debit and not one publishes a chasing sequence: Access PaySuite, Bottomline, GoCardless, London & Zurich, Modulr, Stripe. Bottomline gets closest with an email carrying an alternative payment link after a collection has already failed.
The chasers don't raise your invoice, and most don't run their own Bacs. Chaser, Credit Hound, Kolleno, Paidnice, Satago all read invoices out of a ledger you already pay for. Chaser Pay takes cards, wallets, open banking, without publishing Bacs. Kolleno's route to UK direct debit is GoCardless, Credit Hound's is PayThem at £38 monthly.
The ledgers don't collect. Xero's own words for what your customer can use are "debit card, credit card, direct debit (via Go Cardless or Stripe), Google Pay or Apple Pay". QuickBooks Payments takes cards and Pay by Bank, and Pay by Bank carries no reusable mandate. Both chase, by email alone.
And the practice tools resell the mandate. Ignition raises your invoice and collects, and its help centre names Stripe as the processor, with your client's statement reading "IGNITIONPAY".
Loosen a test and the answer moves
If you suspect four criteria were picked to produce one answer, move them and see. We've done three moves for you.
Count email reminders as chasing and Stripe joins Adfin on four of four, since Stripe Invoicing raises invoices, collects by Bacs, sends billing reminders and syncs to a ledger. Xero, QuickBooks plus Credit Hound move to three, Kolleno to two.
Require UK Bacs direct debit at test two and Chaser, Paidnice, QuickBooks, Satago each lose a mark, because not one of them publishes it.
Add a fifth test and we start failing. On published invoice finance, Satago passes and we don't. On payables, Kolleno. On automated phone calls, Chaser. On Sage, both Chaser and Credit Hound. On collection in euros or dollars, both GoCardless and Stripe. Pick the fifth test that matches your ledger and your book and the shortlist you end up with may not have us on it.
1. Access PaySuite
Two of four. The payments arm of The Access Group, home of SmartDebit since 2021.
- Invoices: nothing on the pages read raises one
- Collects: yes, itself, on the bureau's SUN or your own
- Chases: no sequence published, automated retries instead
- Reconciles: your Xero or QuickBooks, mainly through Zapier
2. Adfin
Four of four. A UK platform that invoices, collects, then chases what's unpaid.
- Invoices: yes, plus payment links
- Collects: yes, itself, by direct debit, card, open banking
- Chases: email, WhatsApp or text, your own domain
- Reconciles: two-way Xero or QuickBooks sync
3. Bottomline
One of four. Facilities-managed Bacs for businesses without their own Service User Number.
- Invoices: nothing on the page read raises one
- Collects: yes, itself, and it claims to process "over 50% of all Direct Debit/Credit transactions in the UK", its own unaudited figure
- Chases: nothing published beyond "Trigger customer emails with alternative payment links when a collection remains outstanding"
- Reconciles: Xero, QuickBooks, Sage logos, no implementation detail
4. Chaser
Three of four. The widest published escalation here, and the only automated calls.
- Invoices: no, it reads your ledger
- Collects: yes, Chaser Pay takes bank transfers, cards, wallets, open banking. Bacs isn't mentioned
- Chases: email, SMS, "Automated phone calls", in-app calling
- Reconciles: Xero, QuickBooks Online, four Sage products, NetSuite, Dynamics 365
5. Credit Hound
Two of four. A Sage-first collections tool from Draycir, sold through Sage's marketplace.
- Invoices: no, it works from your ledger
- Collects: yes, through the PayThem module, by card or open banking, charged separately. No Bacs published
- Chases: email plus call task lists assigned to your people, so your team calls. No SMS
- Reconciles: native to six Sage products, plus Xero. Neither product supports QuickBooks
6. GoCardless
Two of four. The largest dedicated bank debit brand here, with the clearest rate card.
- Invoices: no page read generates one, and its guides send you to invoicing software
- Collects: yes, itself, managing "the entire collection process on your behalf"
- Chases: no payment reminders on any page read. Success+ retries failed payments, so it recovers instead
- Reconciles: by integration, "350+ integrations Sync with Xero, QuickBooks, Zuora and more"
7. Ignition
Two of four. Proposals, engagement terms and billing for firms, with payments attached.
- Invoices: yes, it bills from your accepted proposal
- Collects: no. Its help centre names Stripe as processor, and your client's statement reads "IGNITIONPAY"
- Chases: nothing published as multi-channel credit control. Pre-collection emails go out and can't be switched off
- Reconciles: yes, through its ledger integrations
8. Kolleno
One of four. The widest scope here, covering receivables, payables plus reconciliation.
- Invoices: no, it reads your ledger
- Collects: no, GoCardless is the named integration and its published route to UK direct debit
- Chases: email and AI workflows. No SMS, phone or letter published, and the AI agent starts on Business Plus
- Reconciles: yes, and uniquely it handles payables too
9. London & Zurich
Two of four. An independent Bacs bureau, FCA authorised under firm reference 712747.
- Invoices: nothing on the pages read raises one
- Collects: yes, itself, and it will obtain a Service User Number for you through its sponsor bank
- Chases: no sequence published. ARUDD reporting on unpaid collections instead
- Reconciles: Xero and QuickBooks appear as named integrations in site navigation
10. Modulr
One of four. An FCA-authorised electronic money institution doing accounts, payments, collections.
- Invoices: nothing on the pages read raises one
- Collects: yes, itself, framed around your own SUN so your name shows on the statement
- Chases: nothing published. Retries run "on your terms" before escalating
- Reconciles: no accounting integration named for collections on any page read
11. Paidnice
Two of four. A rules engine on your Xero or QuickBooks for reminders, late fees, interest.
- Invoices: no, it works from your ledger
- Collects: no. It sends reminders carrying payment links and integrates with processors
- Chases: email and SMS at 5p, escalating to a call or legal letter "assigned to a person", so your people call
- Reconciles: yes, through Xero or QuickBooks. Sage on Custom only
12. QuickBooks
Two of four. Your ledger, with three reminder slots and a payments add-on.
- Invoices: yes, natively
- Collects: QuickBooks Payments takes cards and Pay by Bank, and Pay by Bank is an open banking payment with no reusable mandate
- Chases: email only, three reminders, one account-wide template
- Reconciles: yes, natively
13. Satago
Three of four. Chasing and credit checking with invoice finance behind it. TruFin plc is its parent, and Sage a partner instead of an owner.
- Invoices: no, it reads your ledger
- Collects: card and buy now pay later acceptance appear on the pricing page as Premium features, and its credit control page names no payment method. No direct debit
- Chases: email on every tier, SMS on Premium up, schedules you set per customer
- Reconciles: yes, via Xero, Sage, QuickBooks, KashFlow or FreeAgent
14. Stripe
Three of four. Cards, bank debit and invoicing priced as separate products.
- Invoices: yes, through Stripe Invoicing, priced apart from processing
- Collects: yes, itself, including Bacs direct debit
- Chases: invoice reminders exist as a billing feature, with no credit control product published
- Reconciles: by integration, with invoice auto-reconciliation inside Invoicing
15. Xero
Two of four. The ledger most of this market plugs into, five reminder slots included.
- Invoices: yes, natively
- Collects: no. Xero's own page gives your customer "debit card, credit card, direct debit (via Go Cardless or Stripe), Google Pay or Apple Pay"
- Chases: email only, five reminders per organisation with three on by default, one schedule for your whole ledger
- Reconciles: yes, natively
What each one publishes as a price
| Product | Published price |
|---|---|
| Access PaySuite | "From 8p per transaction", against "from just 4p" on its SmartDebit page |
| Adfin | 1.0% + 20p, capped £4 |
| Bottomline | Nothing published on any page we read |
| Chaser | US dollars on the page you land on, "From $259per month" on Compact |
| Credit Hound | £20 per user monthly on Sage 50, £51 on Xero, PayThem £38 |
| GoCardless | 1% + 20p capped £4 on Standard, VAT on top |
| Ignition | UK Bacs from 1% with a £4 cap, plus 0.3% above £2,000, the fixed part in US dollars only |
| Kolleno | "£ 650 per user/month" on BusinessPay, turnover gate above £1m |
| London & Zurich | "Pricing around 1%" on Foundation, no cap on any tier |
| Modulr | None for collection. Its plans buy outbound payments, from £30 monthly |
| Paidnice | Essentials £49 monthly for "150 invoices per month" |
| QuickBooks | Reminders included, Payments an add-on at "1% + VAT, cap £4" for Pay by Bank |
| Satago | "£45 per month" for Basic, including "100 email reminders per month" |
| Stripe | 1.5% + 20p on domestic cards, Bacs 1% capped £4 with £4.00 per failed payment, Invoicing adding 0.4% or 0.5% |
| Xero | Included in your Xero subscription. The UK plan prices on the page were promotional, so they stay out |
Not one of these pages carries an effective date, so each figure is a snapshot. Across the wider payments market, only PayPal's fee page is dated, at 15 July 2026.
What nobody in this market publishes
These gaps are consistent enough to plan around, and they'll cost you more time than any feature comparison.
Failure charges are almost entirely unpublished. Stripe is the exception at £4.00 per failed Bacs payment and £5.00 per disputed one. GoCardless states that failure and chargeback fees apply only in the US, in Germany and in Austria, so nothing applies to your UK collection on its published record, though the amount of its refund fee isn't published anywhere we could find.
Then come the prices that don't exist as prices. Bottomline publishes none. Modulr publishes none for collection, so its flat-per-collection proposition carries no figure. Chaser Pay's fees aren't published. Kolleno warns of "extra charges" for integrations without pricing one. Neither Satago's card processor nor its bureau is named. And on our own page, VAT isn't addressed, no failure fee appears, and nothing explains who pays 1.0% instead of 1.5%.
What you get back when you leave
One contract means one exit, so read the exit terms before you sign. Three published clauses here give you an express right to your own data on the way out.
GoCardless has the best of them, and we'd rather tell you than let you find out later. Its Bank Debit Terms, at clause 7.1, commit it to "entering into a bulk change deed" and to "a machine-readable list of each of your Customers and their Payment Scheme Mandate details via a secure transfer mechanism", and its general terms carry no minimum term, no notice period and no exit fee. Chaser gives you 90 days from termination to export, Paidnice 30 days.
Against that, Kolleno's terms have you "delete all copies of the Service Data" on termination, on a 24-month initial term with fees "non-cancellable and non-refundable". Access PaySuite publishes a pricing page saying "No commitment" alongside its own Terms and Conditions V5 of April 2026, setting a 12-month initial term, 90 days' notice and an early termination fee "equal to the previous three months invoiced". London & Zurich publishes no customer terms, so you can't find out what leaving costs.
How to choose
| Your situation | Start here | Why |
|---|---|---|
| You already have invoicing you like | Chaser or Paidnice | Both read your ledger and leave your invoicing alone |
| You want one contract from invoice to reconciliation | Adfin | The one product passing all four tests on published pages |
| You need funding against your ledger | Satago | Invoice finance with "up to 90% advance rates", which nothing else here offers |
| You want payables in the same system | Kolleno | Receivables and payables together, above £1m turnover |
| Your practice runs on Sage | Chaser or Credit Hound | The only two here publishing deep Sage coverage |
| You collect in euros or dollars | GoCardless or Stripe | Both publish international rates, and Adfin collects in sterling only |
| You want automated phone calls in the sequence | Chaser | The only product here publishing them |
| Email reminders are genuinely enough | Xero or QuickBooks | You're already paying for them |
| You want the cleanest published exit | GoCardless | No minimum term, no notice, no exit fee, plus a right to your mandate list |
How we tested these
Fifteen products, picked because they appear in Xero's UK payments or debtor tracking categories or in our own competitive set. Each was judged only on what it publishes itself, on the pages listed in the sources below, so you can check every cell of the scorecard. Where a capability isn't published we've written "not published" instead of "can't", because an absence on a website tells you nothing about a product's limits. The order is alphabetical, since no independent UK ranking exists, and you'll find no closing recommendation here.
Review scores are third-party, user-reported, and quoted with the platform and the count. Where two platforms disagree we quote both.
| Product | Scores |
|---|---|
| Access PaySuite | Trustpilot 4.5 from 346. Its own page shows 4.7 from 369 |
| Adfin | Trustpilot 4.5 from 12 |
| Chaser | Xero App Store 4.98 from 374 against G2 4.3 from 70, plus Capterra UK 4.9 from 45 |
| Credit Hound | Sage marketplace 5.0 from 11, nine of them three or more years old |
| GoCardless | Trustpilot 2.5 from 2,369 against G2 4.6 from 321, plus Xero App Store 3.45 from 198 |
| Kolleno | G2 4.9 from 114, Capterra UK 5.0 from 8 |
| Modulr | Trustpilot 4.5 from 130 |
| Paidnice | Xero App Store 5.0 from 82, Trustpilot 4.7 from 25, G2 4.8 from 13 |
| Satago | Capterra UK 4.5 from 4, and one G2 review dated April 2020 |
| Others | Nothing retrievable with a count and a date for Bottomline, London & Zurich, Ignition, Stripe, Xero or QuickBooks |
Want invoicing, collection plus chasing in one place? Book a demo or see Adfin pricing.
Common questions
Does any UK platform really do invoicing, direct debit and chasing in one place? On these four tests, applied to fifteen products on their own published pages, one passes all four: Adfin. Four more pass three, and Stripe passes four if you count billing reminders as chasing. The tests are set out in full above.
Why don't the direct debit providers chase? Six products here collect your money and not one publishes a chasing sequence, describing retries and failure reports instead. Bottomline gets nearest with an email carrying an alternative payment link after a collection has failed.
Can Xero collect direct debit on its own? No. Xero's own UK page lists what your customer can use as "debit card, credit card, direct debit (via Go Cardless or Stripe), Google Pay or Apple Pay", so a provider you contract with collects. Xero raises the invoice, chases by email and reconciles.
Is Ignition's direct debit its own? Ignition raises your invoice and takes the payment, and its help centre names Stripe as the processor behind UK direct debit. Your client's statement shows "IGNITIONPAY".
Which of these has the best terms if I want to leave? GoCardless, clearly. It publishes no minimum term, no notice period and no exit fee, plus a contractual right at clause 7.1 of its Bank Debit Terms to a bulk change deed and a machine-readable list of your mandate details.
How old are the prices in this article? Not one of these pricing pages carries an effective date, so every figure here is a snapshot of what the vendor published. PayPal's is the only page in our wider pricing work that carries one, dated 15 July 2026, so check any figure before you commit.
Sources
- Access PaySuite — direct debit (accurate as of August 2026)
- Access PaySuite — direct debit pricing (accurate as of August 2026)
- Adfin — accept payments (accurate as of August 2026)
- Adfin — credit control (accurate as of August 2026)
- Adfin — direct debit payments (accurate as of August 2026)
- Adfin — pricing (accurate as of August 2026)
- Bottomline — direct debit (accurate as of August 2026)
- Chaser — home (accurate as of August 2026)
- Chaser — Chaser Pay (accurate as of August 2026)
- Chaser — pricing (accurate as of August 2026)
- Credit Hound — home (accurate as of August 2026)
- Credit Hound — pricing (accurate as of August 2026)
- GoCardless — bank debit terms (accurate as of August 2026)
- GoCardless — direct debit (accurate as of August 2026)
- GoCardless — pricing (accurate as of August 2026)
- Kolleno — home (accurate as of August 2026)
- Kolleno — pricing (accurate as of August 2026)
- London & Zurich — direct debit (accurate as of August 2026)
- London & Zurich — pricing (accurate as of August 2026)
- Modulr — pay-ins (accurate as of August 2026)
- Modulr — pricing for business (accurate as of August 2026)
- Paidnice — pricing (accurate as of August 2026)
- Paidnice — reminder software (accurate as of August 2026)
- QuickBooks — payments (accurate as of August 2026)
- Satago — credit control (accurate as of August 2026)
- Satago — pricing (accurate as of August 2026)
- Stripe — Invoicing pricing (accurate as of August 2026)
- Stripe — pricing (accurate as of August 2026)
- Xero — online invoice payments (accurate as of August 2026)
- Xero Central — how invoice reminders work (accurate as of August 2026)
Adfin is one of the products tested here, and Adfin publishes this article, so weigh our entry accordingly. Our reading is that Adfin passes all four tests, and every cell comes from the pages listed in the sources above, so you can disagree with us from the same pages. All pricing is each vendor's own published pricing; no page in this set carries an effective date and vendors change prices, so check before you commit. Review scores are third-party with their counts. Last updated August 2026.
