Paidnice is the cheapest published option at $69 per month, priced by invoice volume rather than headcount or revenue. Chaser publishes revenue-band pricing from $259 per month in the US, which makes it the easiest established tool to budget for small and mid-sized businesses. Kolleno charges per user at £650 per user per month, so a five-person team costs far more than a flat-rate tool, even though the feature set is broad.
We compared 8 options for best debt collection software in. Each profile below lists the price, free plan, pros and cons as published by the company.
On this page
Best debt collection software in: comparison table
Swipe the table sideways on a phone to see every column.
| # | Name | Best for | Starting price | Free plan / trial | Link |
|---|---|---|---|---|---|
| 1 | Chaser | Small and mid-sized businesses that want published prices | $259 per month | Free trial | Visit |
| 2 | Kolleno | Global teams wanting collections, disputes, and e-invoicing in one tool | £650 per user per month | No | Visit |
| 3 | Upflow | B2B teams that want AR analytics before automation | Quote only | Free trial | Visit |
| 4 | Paidnice | Xero and QuickBooks Online users who want simple pricing | $69 per month | Yes (first 20 actions free) | Visit |
| 5 | Gaviti | Medium to large companies with messy deductions and disputes | Quote only | No | Visit |
| 6 | Tesorio | Cash flow forecasting plus collections for growing companies | Quote only | No | Visit |
| 7 | Invoiced | Mid-market and enterprise teams with several entities | $299 per month | Free trial | Visit |
| 8 | Credit Hound | Accountants whose clients run Sage ledgers | $25 per user per month | Free trial | Visit |
The 8 best best debt collection software ins, in detail
Chaser
Best for: Small and mid-sized businesses that want published prices
Chaser is one of the oldest names in credit control, and it is the veteran of automated invoice chasing. It sends personalized payment reminders on your schedule, escalates overdue accounts through letters and calls, and lets customers pay through a self-service portal. Plans are tiered by revenue, from $259 a month for the Compact plan in the US, or £199 a month in the UK for businesses under £4 million in annual revenue, rising to $779 and $1,169 a month at higher bands.
- The published pricing is the point: most rivals in this category hide their prices, while Chaser tells you the number before a sales call.
- A free trial is available, and the Care add-on gives you a dedicated AR specialist if you want a human chasing alongside the automation.
- The limit is the revenue model itself: as your turnover grows, your Chaser bill grows with it, even if your invoice count stays flat.
Pros
- Published revenue-band pricing, rare in this category
- Automates email, SMS, and call reminders plus letters
- Optional human AR specialist through the Care add-on
Cons
- Price rises with your revenue, so growth costs more
- Compact plan includes only 4 users
Kolleno
Best for: Global teams wanting collections, disputes, and e-invoicing in one tool
Kolleno is a London order-to-cash platform that covers collections, online payments, cash application, credit risk, disputes, reconciliation, and e-invoicing, with AI agents that prioritize accounts and draft follow-ups. For a finance team selling across borders, that breadth matters: one workspace replaces a chain of tools, and e-invoicing keeps you compliant in markets that require it. Pricing is per user, which is where the math gets serious.
- Business Pay costs £650 per user per month, or £545 on annual billing, and a higher tier runs around £1,245 per user per month.
- A five-person team therefore costs over £3,000 a month before any other spend, unlike Upflow unlimited seats or Paidnice flat pricing.
- There is no free plan published.
- Kolleno suits a mid-market team that will use the full platform every day, not a small business that only needs reminders.
Pros
- Covers collections, payments, cash application, and credit risk in one workspace
- E-invoicing included for cross-border selling
- AI agents prioritize the accounts that matter
Cons
- Per-user pricing at £650 a month adds up fast
- No free plan and no free trial published
Upflow
Best for: B2B teams that want AR analytics before automation
Upflow approaches collections as a measurement problem first. Its Discover tier gives you real-time analytics on receivables performance at no cost, so you can see days sales outstanding, aging, and collection effectiveness before automating anything. The platform then automates reminders, offers a branded payment portal, and applies cash automatically for B2B and SaaS companies, with plans tiered by invoiced revenue and unlimited seats.
- Current prices are hidden: the last published figures were $440 a month for Grow and $880 for Scale, and today every plan requires a quote.
- Upflow Payments, the card and ACH add-on, costs $390 a month plus 3.5 percent plus $0.30 per card payment and 0.8 percent, capped at $5, per ACH direc
- A free analytics-only tier is available.
- The limit is transparency: you cannot budget Upflow from its website, so get a written quote before you commit.
Pros
- Free analytics-only tier shows your receivables health first
- Strong dashboards for days sales outstanding and aging
- Unlimited seats on subscription plans
Cons
- Current prices are hidden, every plan needs a sales conversation
- Payments add-on costs $390 a month plus transaction fees
Paidnice
Best for: Xero and QuickBooks Online users who want simple pricing
Paidnice prices on invoice volume, not headcount or revenue, which makes the math simple: Essentials at $69 per month covers 150 invoices and 600 emails, Pro at $99 covers 300 invoices and 1,200 emails with unlimited users, and Custom starts at $999. The first 20 actions are free, so you can test it on real invoices before paying. It is built for Xero and QuickBooks Online, and it chases with scheduled reminders, statements, and late fees.
- The limit is scope: Paidnice is a dunning tool, not a full order-to-cash platform, so teams that need credit risk scoring, dispute workflows, or multi
- For a small business that wants automated chasing at a known monthly price, it is the clearest value in this guide, and the flat pricing means hiring
Pros
- Prices by invoice volume, not headcount or revenue
- Unlimited users on every plan
- Cheapest published entry price in this guide
Cons
- Fewer enterprise features than Gaviti or Tesorio
- No per-user controls for large teams
Gaviti
Best for: Medium to large companies with messy deductions and disputes
Gaviti targets the messy middle of collections: deductions, disputes, and short payments that eat collector time. It covers credit management, dunning and collections, disputes, and cash application with automated deductions, plus a payment portal with no-fee ACH. Pricing runs on usage rather than per user, with unlimited users, and plans named Standard, Pro, and Expert with modular feature selection.
- There is no free plan and no published price, so you need a sales conversation and a written quote.
- The limit is transparency on integrations: Gaviti names no specific ERP connectors on its site, so check your ledger connection before you sign.
- For a shared services team drowning in deductions, the prioritization engine is the reason to look past the hidden price.
Pros
- AI-driven prioritization focuses collectors on the right accounts
- No-fee ACH in the payment portal
- Unlimited users, priced on usage rather than seats
Cons
- No published prices and no specific ERP connectors named on the site
- Needs a sales process before you can budget
Tesorio
Best for: Cash flow forecasting plus collections for growing companies
Tesorio combines accounts receivable automation with cash flow forecasting, so a finance team sees not just which invoices are overdue, but when the money is likely to arrive. Its AI prioritizes accounts for collectors, automates reminders and follow-ups, and gives CFOs a forecast they can plan around, which is why growing companies choose it over a pure chasing tool. Pricing is quote based, with no public numbers, and aimed at mid-market and larger teams.
- There is no free plan.
- The limit is fit: a small business with 50 invoices a month will find Tesorio more platform than it needs, and the sales process reflects that.
- For a finance team that reports cash forecasts to a board, the forecasting is the feature that justifies the quote.
Pros
- Cash flow forecasting shows when money will actually arrive
- AI prioritization for collectors
- Built for finance teams, not just credit controllers
Cons
- Quote-based pricing with no public numbers
- More platform than a small business needs
Invoiced
Best for: Mid-market and enterprise teams with several entities
Invoiced, owned by Flywire, is built for mid-market and enterprise teams with several entities, where one AR system must serve multiple subsidiaries, currencies, and ledgers. It automates invoicing, reminders, and collections, offers a customer payment portal, and applies cash against the right entity automatically. The last reported starting price is about $299 a month, and you should request current prices before budgeting.
- A free trial is available.
- The limit is complexity: a single-entity small business will find Invoiced heavier than Paidnice or Chaser, and the price reflects an enterprise featu
- For a multi-entity finance team, the consolidation is worth it, because running separate chasing tools per entity costs more in staff time than the pl
Pros
- Handles multi-entity AR in one system
- Strong payment portal and cash application
- Owned by Flywire, with global payment reach
Cons
- Last reported price is $299 a month, current prices need confirming
- More complex than a small business needs
Credit Hound
Best for: Accountants whose clients run Sage ledgers
Credit Hound is Draycir collections add-on for the Sage channel, and it is the pick for accountants whose clients run Sage 50 or Sage 200. It automates day-to-day credit control, chases with email cycles and account freezes, and tracks disputes and promises to pay, picking up where the accounting system stops. Pricing is per user with no revenue gate: from $25 a month for the first user in the US, or £20 per user a month on Sage Accounting, £51 for the first user plus £35 per extra user on Sage 50 and Xero, and £82 plus £50 on Sage 200.
- A free trial is available with no card required.
- The limits are clear: there is no QuickBooks Online connector, and the documentation shows no late fee, interest, or payment plan feature, so firms th
- For a practice with clients on Sage, it is the most direct fit in this guide.
Pros
- Built for Sage 50, Sage 200, Sage Intacct, and Xero
- Dispute and promise-to-pay tracking included
- Per-user pricing with no revenue gate
Cons
- No QuickBooks Online connector found
- No late fee or interest charging feature in the documentation
How we chose
We compared vendor pricing pages, product documentation, and independent comparison guides, all checked on 12 November 2026. Every price in this guide comes from the vendor own published pricing or from third-party comparisons of that pricing, as reported in September and October 2026, and each tool had to be a real, currently sold collections product with a working official website. We favored tools with published prices, clear pricing models, and real ledger integrations. We did not test the software ourselves and we do not claim hands-on results. We left out consumer debt recovery agencies and tools that only buy debt portfolios.
What to check before you buy
Check the pricing model first, because it decides what growth costs you. Chaser charges by revenue, Kolleno and Credit Hound charge per user, Paidnice charges by invoice volume, and Upflow and Gaviti charge by invoice value or usage. A model that is cheap at 50 invoices a month can be expensive at 500, so model your own numbers before you buy. Next, check the ledger integration: Credit Hound suits Sage, Paidnice suits Xero and QuickBooks Online, and Gaviti names no ERP connectors on its site. Then check the trial terms, because a trial that runs on your real ledger tells you more than any demo.
Use this decision table to match a tool to your size and stack.
| Situation | Best pick | Why | | Small business, Xero or QuickBooks | Paidnice | $69 per month, unlimited users | | SMB wanting published revenue pricing | Chaser | From $259 per month, free trial | | Accountants with Sage clients | Credit Hound | From $25 per user per month | | Global team, full order-to-cash | Kolleno | £650 per user per month, e-invoicing included | | Analytics-led B2B team | Upflow | Free analytics tier, quote only | | Messy deductions and disputes | Gaviti | AI prioritization, quote only | | Cash flow forecasting matters | Tesorio | Forecast plus collections, quote only | | Multi-entity enterprise AR | Invoiced | From $299 per month, last reported |
Finally, confirm the price on the vendor site before you budget. Several vendors in this category hide current prices behind a sales process, and the figure in a quote is the one that counts, not the figure in an old comparison.
Frequently asked questions
What is debt collection software?
Debt collection software automates chasing overdue B2B invoices: scheduled reminders, statements, calls, letters, and payment portals, plus tracking for disputes and promises to pay. It is different from a debt buyer, which purchases debt, and from a collections agency, which chases on your behalf for a commission.
How much does debt collection software cost per month?
Published prices in this guide run from $69 per month for Paidnice to $259 per month for Chaser in the US, with Credit Hound from $25 per user per month. Kolleno costs £650 per user per month. Upflow, Gaviti, and Tesorio publish no current prices, so you need a quote, and Invoiced was last reported from about $299 a month.
Which debt collection software is best for small businesses?
Paidnice is the best value for a small business on Xero or QuickBooks Online, at $69 per month with unlimited users and the first 20 actions free. Chaser is the best established option if you want published revenue-band pricing and a human AR specialist add-on. Both offer trials, so test them on your real ledger first.
Does debt collection software work with my accounting system?
It depends on the tool. Paidnice is built for Xero and QuickBooks Online, Credit Hound is built for Sage 50, Sage 200, Sage Intacct, and Xero, and Chaser covers Xero, QuickBooks, and Sage. Check the connector for your exact ledger and version before you buy, because a missing connector means manual exports.
Can debt collection software damage customer relationships?
It can if the tone is wrong, which is why the best tools let you control reminder wording, timing, and escalation per customer. Personalized reminders from your own brand, with a payment link and a clear next step, usually bring money in faster than a generic final notice. Keep high-value or sensitive accounts on a manual track.
Should I use software or hire a collections agency?
Software suits early and mid-stage overdue invoices, where automation and reminders recover most of the money at a low cost. An agency suits old, disputed, or high-value debts where a human negotiator earns the commission. Many businesses use both: software for the first 90 days, then an agency for what remains.
Sources
- https://chaserhq.com
- https://chaserhq.com/pricing
- https://kolleno.com
- https://kolleno.com/pricing
- https://upflow.io
- https://upflow.io/pricing
- https://paidnice.com
- https://paidnice.com/pricing
- https://gaviti.com
- https://gaviti.com/pricing
- https://tesorio.com
- https://tesorio.com/pricing
- https://invoiced.com
- https://invoiced.com/pricing
- https://www.draycir.com/credithound/
- https://www.draycir.com/credithound/pricing
Prices and features were read on each company’s own website in November 2026. They change often, so confirm the current offer on the official site before you sign up or buy.