Chaser vs Upflow (2026): An Honest Comparison for AR Teams

Disclosure: Abivo is our product and is not affiliated with Chaser or Upflow. Facts about both tools come from their own websites as of October 2026. Check each vendor's site for the latest.

The short answer: Chaser is accounts receivable automation that connects to Xero, QuickBooks, the Sage range and more, with reminders, a payment portal, forecasting, credit tools and its own debt collection service. Upflow is a B2B AR platform focused on the US mid-market, built around collections agents and a shared workspace for several collectors. Pick Chaser for businesses on Xero, QuickBooks or Sage that want reminders, payments, forecasting and recovery in one place; pick Upflow for B2B finance teams with several collectors who want AI agents inside a shared AR workspace. If what your team actually needs is someone to follow up on every past due invoice by phone, text and email, an AI collections agent such as Abivo can work alongside either one, or on its own with your accounting system.

Chaser vs Upflow at a glance

Chaser overview

Chaser describes itself as accounts receivable automation software that also forecasts cash flow. It says it serves businesses worldwide, with a partner program for accountants and bookkeepers.

• Collections: Automated email and SMS payment reminders with an AI email generator and recommended chasing times.

• Payments: Chaser Pay, a customer payment portal and payment plans.

• Cash and insight: Cash flow, revenue and receivables forecasting.

• Also included: Credit checks, AI debtor risk insights, late payment prediction, a debt collection service and managed credit control.

• Systems: Xero, QuickBooks Online, the Sage range, NetSuite, SAP, Business Central, Odoo and more, plus HubSpot, Salesforce and Zapier.

Best fit: Businesses on Xero, QuickBooks or Sage that want reminders, payments, forecasting and recovery in one place. Looking at other options? See our Chaser alternatives guide.

Upflow overview

Upflow describes itself as a B2B accounts receivable and Financial Relationship Management platform with AI agents. It says it serves B2B companies, with a stated focus on the US mid-market.

• Collections: Collections agents that reply to customers, log promise-to-pay dates, flag disputes and hand off to a person when not confident.

• Payments: B2B payments with a branded customer portal.

• Cash and insight: Cash application and payment matching, plus AR analytics and forecasting.

• Also included: Insights agents for AR analytics; embedded financing listed as coming soon.

• Systems: NetSuite, Sage Intacct, QuickBooks Online, Xero, Pennylane and Rillet; Chargebee, Zuora and Stripe Billing; Salesforce and HubSpot.

Best fit: B2B finance teams with several collectors who want AI agents inside a shared AR workspace. Looking at other options? See our Upflow alternatives guide.

Key differences between Chaser and Upflow

• Scope. Chaser: accounts receivable automation software that also forecasts cash flow. Upflow: a B2B accounts receivable and Financial Relationship Management platform with AI agents.

• Who it is built for. Chaser: businesses worldwide, with a partner program for accountants and bookkeepers. Upflow: B2B companies, with a stated focus on the US mid-market.

• How customers are contacted. Chaser: email, SMS, scheduled automated reminder calls (Auto-call), in-app calling and letters. Upflow: email, SMS, calls and letters, including VOIP and calling agents with transcripts and summaries.

• Systems. Chaser names Xero, QuickBooks Online, the Sage range, NetSuite, SAP, Business Central, Odoo and more, plus HubSpot, Salesforce and Zapier. Upflow names NetSuite, Sage Intacct, QuickBooks Online, Xero, Pennylane and Rillet; Chargebee, Zuora and Stripe Billing; Salesforce and HubSpot.

Which should you choose?

• Choose Chaser for businesses on Xero, QuickBooks or Sage that want reminders, payments, forecasting and recovery in one place.

• Choose Upflow for B2B finance teams with several collectors who want AI agents inside a shared AR workspace.

• Consider adding a collections agent if your bottleneck is not software features but the hours your team spends calling customers about past due invoices.

Where Abivo fits

Chaser and Upflow are platforms your AR team works inside. Abivo is different: its AI agent, Kate, does the follow-up itself. Kate calls, texts and emails your customers about past due invoices, names the invoice details your customer needs (job, site, PO or billing period), covers every open invoice on an account in one message, records promises to pay and disputes, and hands disputes and sensitive replies to the person you name. It follows up with customers in over 50 countries and in French where customers prefer it.

Teams usually look at Abivo when they have three or more people chasing invoices and still cannot reach every account each week. Abivo works with QuickBooks and Xero, and with Chargebee after card retries, so it can run on its own or next to an AR platform you already use.

FAQ

Is Chaser or Upflow better for a mid-sized B2B company?

It depends on scope and systems. Chaser says it serves businesses worldwide, with a partner program for accountants and bookkeepers; Upflow says it serves B2B companies, with a stated focus on the US mid-market. Shortlist the one whose ERP list includes yours, then compare how each handles collections for your customer mix.

Does Chaser or Upflow make phone calls to customers?

On its website, Chaser and Upflow list calling among their outreach channels. Abivo's AI agent makes the calls itself, along with texts and emails, so your team does not have to dial.

What is a good alternative to both Chaser and Upflow?

For teams that want the follow-up done rather than another workspace to manage, Abivo is an AI collections agent that contacts customers by phone, text and email. See also our guides to the best accounts receivable software and the best AR collections software.

Want to hear how Kate would follow up on your own open invoices? Get started with Abivo.

Related guides: Chaser alternatives, Upflow alternatives, best collections management software, best AI AR collections software.