2026 Roundup
The best invoice chasing software in the UK
Four serious contenders. We tried them all so you don’t have to. Here’s an honest, opinionated breakdown of who each one is for — and what each one costs.
Pricing at a glance
| Tool | Starting price | Best for |
|---|---|---|
| Owed | £29 / month | Sole traders, freelancers, small businesses |
| Chaser | £199 / month | Mid-market companies with finance teams |
| Satago | £25 / month | Small businesses wanting credit insurance + finance |
| Equisettle | ~£30 / month | Specialised dispute / settlement workflows |
The picks
#1 · Best for sole traders & freelancers
Owed — £29/month
Owed is the simplest, most affordable invoice chaser in the UK market. It connects to Xero, finds every overdue invoice, and runs a four-stage chase sequence in your name. It auto-calculates statutory interest under the Late Payment Act, and it’s the only tool here that ships with a written 5× Recovery Promise — if it doesn’t recover 5× your subscription cost in 90 days, the next 3 months are free.
#2 · Best for mid-market finance teams
Chaser — from £199/month
Chaser is the UK market leader and it’s genuinely well-built. Mature debtor management, payment portals, CRM integrations, multi-user permissions, customer credit checking. The full kit. The catch is the price tag — their Compact plan starts at £199/month and the Growth tier is £399/month, both with annual contracts.
#3 · Best if you want bundled finance
Satago — from £25/month
Satago started as a credit-control tool and now bundles invoice chasing with credit insurance and invoice finance facilities. If you actually want a line of credit alongside your chasing, that’s a real value proposition. If you just want chasing, you’re paying for features you may not use.
#4 · Best for dispute-heavy industries
Equisettle — from ~£30/month
Equisettle is a smaller player focused on dispute resolution and structured settlement workflows. If your business deals with contested invoices regularly — e.g. construction, legal, or specialist B2B — Equisettle’s flow is purpose-built for that. For a generalist freelancer, it’s the wrong shape of tool.
Our take
For the vast majority of UK small businesses — the sole traders, the consultants, the agencies, the tradespeople, the small Ltds — Owed is the right answer. It’s the cheapest, the simplest, the fastest to set up, and it’s the only tool here that puts a written guarantee behind the outcome. If you’ve got a finance team and a five-figure software budget, look at Chaser. Otherwise, start with Owed.