Invoice chasing software reads your ledger, finds what is overdue and sends or drafts the reminders. The UK options in 2026 run from free (your accounting package's own reminders) to £199 a month and up (credit-control suites for finance teams). The question that decides it is not price. It is whether you want a template sent on a schedule, or a draft written for that customer and held until you say so.
Xero is on every list below. If your books are somewhere else, check the ledger column against them before the trial, not after.
A template merges the customer's name into fixed wording and sends on day 7, 14 and 30. A draft is written from what the ledger and your inbox say about that customer this morning. Templates scale. Drafts keep relationships.
Automatic sending is the selling point of the credit-control suites and the risk of them. The worst thing this software can do is chase someone who has already paid. Ask what it checks first, and whether a person can read the message before a customer does.
Finance-team tools price per user and by your turnover. If the owner, the bookkeeper and the office manager all need to see the queue, count the seats.
Most of these tools are a dashboard you have to log into. If your day already runs through ChatGPT, Claude or an agent of your own, ask whether the chasing can run headless: the queue, the checks and the approval reachable from the agent, with no new interface to learn. Harness is an MCP server, so it works that way if you want it to. The function is the product, not the screen.
Each price is what the vendor's own pricing page showed on 6 October 2026, excluding VAT. They change. Follow the links for the longer comparisons.
| Tool | Price | Ledgers | Who presses send |
|---|---|---|---|
| Harness by Heoka | £19 a month, whole company | Xero, with Gmail or Outlook | Drafts wait for your tap. Routine reminders can be allowed to send on their own. |
| Chaser | From £199 a month (Compact, 4 users) | Xero, QuickBooks, Sage and others | Scheduled template reminders, sent automatically |
| Satago | From £45 a month (100 email reminders) | Xero, Sage | Scheduled template reminders, sent automatically |
| Garfield AI | From £2 per chaser, pay as you go | Xero, Sage, QuickBooks and others | Automatic escalation to letter before action and small claims (England and Wales) |
| PennyFlow | Free reminders tier; Pro from £49 a month (early access) | Xero | Sandbox, co-pilot or autopilot modes |
| Claude for Small Business plugin | No extra cost on a paid Claude plan | Xero, QuickBooks, MYOB, NetSuite, Zoho Books | You approve, or switch on end-to-end mode |
| Xero invoice reminders | Included in Xero | Xero only | Automatic once switched on |
Harness is a business brain, not only a chaser: one memory of how your business runs, working overnight. For chasing, it reads Xero and your inbox, checks each overdue invoice and quiet quote against what has been paid, who was chased this week and what the customer last said, and writes a draft for each in your ChatGPT or Claude. In the morning you approve, edit or skip. £19 a month for the whole company, 7 days free. The detail is on how it works and Xero.
If you want chasing fully automatic and off your desk, buy Chaser or Satago. If you are on Xero and only want the first nudge, switch on Xero's own reminders. If the debt has gone legal, Garfield AI takes it to court. We say so on each comparison page.
Software that reads your accounting ledger, finds invoices past their due date, and sends or drafts the reminder emails for you. The difference between products is whether the reminder is a template sent on a schedule or a draft written for that customer and held for your approval.
It depends on how much control you want. Xero's own reminders are free and automatic. Chaser and Satago add templates, schedules and credit-control features for finance teams. Harness drafts each chase from the ledger and the email history and waits for your tap, for £19 a month. The table on this page shows the price each one published on 6 October 2026.
Xero is the one every tool in the table connects to. Beyond that it varies by tool, so check the ledger column against your own books before you start a trial. Harness reads Xero today, with Gmail or Outlook for the mail. QuickBooks is next.
For the first gentle nudge, often yes. For anything firmer, a person should read it first, because a chase that goes to a customer who paid this morning, or who you spoke to yesterday, costs more than the invoice. Harness holds every draft for approval and lets you release only the routine reminders.
Xero Small Business Insights for the June 2026 quarter, published 30 July 2026, put the average at 8.3 days late, with 29.1 days from invoice to payment.
Yes, if the tool exposes its functions to the agent. Harness is an MCP server: ChatGPT, Claude, Telegram or any MCP client can read the queue, run the checks and approve, edit or skip a draft. There is a web view, and you never have to open it. The approval rule is the same whichever agent is asking.
Yes, on business-to-business debts, under the Late Payment of Commercial Debts (Interest) Act 1998: 8% a year above the Bank of England base rate, plus a fixed sum of £40, £70 or £100 depending on the debt. The worked example is in our guide to chasing unpaid invoices.
Chasing by hand for now? The templates and the statutory interest rules are in how to chase an unpaid invoice in the UK and the Late Payment Playbook.
Connect Xero and your inbox. Tomorrow morning there is a queue waiting for you.
Card taken today. You are charged £19 on day 8 unless you cancel. Cancel any time.
Use it in the web app at api.heoka.co.uk, no AI subscription needed. Or connect it to Claude (Free can add one connector) or ChatGPT Plus, Pro or Business, but not ChatGPT Free or Go.