Adfin, Chaser, Credit Hound, Kolleno, Paidnice and Trove can all take over Satago's invoice chasing. None of them lends money, so if you use Satago for invoice finance you'll still need a funder, but if chasing is the main job, the choice comes down to reminder limits, the channels you need and whether you want payment collection in the same place.
In this article
The short version
- Satago's £45 Basic plan includes 100 email reminders in any rolling 30 days and no SMS.
- Adfin has no reminder limit and collects the payment itself, with no monthly fee.
- None of the six alternatives offers invoice finance, so you'd keep a funder if you need one.
- For credit checks, pick a tool that connects to a credit reference agency or subscribe to one separately.
- Paidnice, Trove, Credit Hound, Chaser and Kolleno are chasing tools with their own plan limits.
What Satago does and where its plans limit you
Satago combines three things: automated reminders, credit checks on your customers, and invoice finance. The software comes in three plans:
- Basic, £45 a month: 100 email reminders in any rolling 30 days, 25 credit reports, no SMS.
- Premium, £80 a month: unlimited email reminders, 100 SMS, 100 credit reports and card payment acceptance.
- Platinum, £200 a month: 1,000 SMS and unlimited credit reports, subject to fair use.
The Basic allowance can run out quickly. If you send three reminders per overdue invoice, 100 emails covers about 33 invoices a month, and SMS isn't available until you move up a plan. Invoice finance is priced separately, by quote.
Six alternatives at a glance
| Product | How it's priced | Entry price | Taking the payment |
|---|---|---|---|
| Adfin | Per successful payment | No monthly fee | Direct debit, cards, pay by bank, bank transfer |
| Chaser | Plan banded by annual revenue | Sterling quote | Chaser Pay, fees not published |
| Credit Hound | Per user, by accounting system | £20 a month | Payment module at £38 a month |
| Kolleno | Per user, by company turnover | Quote | Payment links and a customer portal |
| Paidnice | By invoices monitored each month | £49 a month | Customer portal connected to Stripe |
| Trove | Monthly plan | £50 a month | Tracks payments made elsewhere |
The six alternatives
1. Adfin
Adfin chases overdue invoices with no cap on reminders and collects the payment itself, so you're not paying a monthly subscription for chasing and a separate fee to a payment provider.
- Pricing: 1% + 20p per successful payment, with the percentage capped at £4 on direct debit and bank payments. Essential credit control is free and enhanced credit control costs 0.3% per paid invoice only when you use it. No monthly fee and no contract.
- Reminders go by email, SMS and WhatsApp, from your own email domain, on whatever schedule you set.
- Adfin's AI Customer Agents can tailor the timing and channel to each customer, add statutory late fees to overdue business invoices, offer instalment plans and send statements, within rules you approve.
- Payments reconcile automatically with two-way sync to Xero and QuickBooks.
- Limitation: Adfin doesn't run credit checks or offer invoice finance.
2. Chaser
Subscription credit control software, with an optional outsourced credit control service.
- Pricing: plans are banded by annual revenue, from Compact (under £4 million, four users) to Custom (over £100 million). Its pricing page doesn't show sterling figures, so ask for a quote in pounds.
- The entry plan limits you to 30 reminder templates and four automated workflows; higher plans remove the limits.
- Limitation: payment collection through Chaser Pay has no published transaction fees.
3. Credit Hound
Draycir's credit control software, built for Sage users and also available for Xero.
- Pricing: from £20 a month for the first user, depending on your accounting system, with each extra user charged on top.
- Supports Sage 50, Sage Accounting, Sage 200 and Sage Intacct as well as Xero.
- Limitation: taking payment needs the PayThem module at £38 a month, and QuickBooks isn't supported.
4. Kolleno
A receivables platform that adds reconciliation and payments to chasing, aimed at larger finance teams.
- Pricing: per user per month, with plans gated by company turnover. Ask for a sterling quote.
- Payment links and a customer payment portal come with every plan.
- Limitation: the higher plans set a minimum number of paid users.
5. Paidnice
Rules and triggers for chasing, built for Xero and QuickBooks Online.
- Pricing: Essentials is £49 a month for up to 150 invoices, 600 emails and two team members, which is six times Satago Basic's email allowance. Pro runs from £74 a month for 300 invoices to £599 for 4,000.
- SMS reminders cost 5p each, so you pay for texts as you send them.
- Limitation: payment goes through its Stripe connection, and Sage is only available on its custom plan.
6. Trove
A chasing tool for smaller teams that sends reminders by email and was built first for Xero.
- Pricing: four plans, starting with Essential at £50 a month and rising through £135 and £285 to a quoted Ultimate plan. Even the entry plan connects to Xero, QuickBooks, FreeAgent and Stripe.
- Creditsafe is among its listed integrations, which may matter if you used Satago's credit reports.
- Limitation: reminders go by email only.
Which one fits what you used Satago for
If chasing was the main job and you'd like the payment to come in through the same system, Adfin is the place to start. There's no reminder allowance to run into, customers can pay from the reminder itself, and regular customers can move to direct debit so there's less to chase in the first place.
If you relied on Satago's credit reports, check whether the tool you pick connects to a credit reference agency, or take a separate subscription with one.
If you used Satago for invoice finance, none of these tools replaces that, and Adfin doesn't offer financing or cash advances. You'd need to keep a funding facility in place, either with Satago or another lender, and run chasing alongside it.
Before you cancel, export your customer list and reminder history, check whether your subscription runs monthly or annually, and if you came to Satago through a Sage package, check with Sage how to remove it.
Common questions
How many reminders do you get on Satago's £45 plan? 100 email reminders in any rolling 30 days, with no SMS. Premium at £80 a month gives unlimited email reminders and 100 SMS.
Do any of these alternatives offer invoice finance? No. Adfin, Chaser, Credit Hound, Kolleno, Paidnice and Trove chase invoices but don't lend against them, so you'd need a separate funder.
Which Satago alternative has no limit on reminders? Adfin. Reminders by email, SMS and WhatsApp are unlimited, and you pay only when a payment succeeds.
Does Satago take card payments? On its Premium and Platinum plans, which include card payment acceptance. The £45 Basic plan doesn't.
Do any of these run credit checks? Trove lists Creditsafe among its integrations, and Adfin doesn't run credit checks. Whichever tool you choose, a credit reference agency subscription can sit alongside it.
Is Satago owned by Sage? No. Satago is owned by TruFin plc and works with Sage through a partnership.
Sources
- Satago - Pricing (accurate as of October 2026) https://www.satago.com/pricing/
- Adfin - Pricing (accurate as of October 2026) https://www.adfin.com/pricing
- Adfin - Credit control (accurate as of October 2026) https://www.adfin.com/credit-control
- Chaser - Pricing (accurate as of October 2026) https://www.chaserhq.com/chaser-pricing
- Paidnice - Pricing (accurate as of October 2026) https://paidnice.com/pricing
- Trove - Home (accurate as of October 2026) https://trove.works/
