Chaser vs Xero (2026): which should you pick?

Pick Chaser if

• Fits if you have a pile of overdue invoices in Xero or QuickBooks
• Makes sense if a company with several million in revenue wants chasing automated

Look elsewhere if

• Pricey if you are small: $233 a month and up, set by revenue band
• Skip it if you don't already have an accounting system, because it works from one
• Tight if you're on Compact: 4 users, 30 templates and 4 automated workflows
• Watch out: the Care service starts at $1,199 a month
• Watch out: the free trial's length isn't stated

Pick Xero if

• Fits if your accountant already works in Xero
• Works for businesses where several staff and advisers need to be in the books, as users are unlimited

Look elsewhere if

• Tight if you send more than 20 invoices or enter more than 5 bills, since that's where Early stops
• Watch out: the advertised prices are 80% off for 3 months only, then $27, $59 or $97 a month
• Pricey if you need US payroll, at $36 a month plus $6 a person on top
• Pricey if you bill in other currencies, which need Established at $97, or want auto-reconcile on Early, a $5 add-on
• Skip it if you want a free plan to start on, as there isn't one, and taking the free month costs you the discount

Chaser

• Pricing is set by company revenue band, and the dollar figures are entry prices shown as "From".
• Compact is limited to 4 users, 30 follow-up templates and 4 automated workflows.
• Care, the specialist service, costs more: Compact + Care starts at $1,199 a month billed monthly.
• The pricing page names bands in pounds, so the revenue limits are not dollar figures.

Xero

• The advertised prices are 80% off for the first 3 months; plans then renew at $27, $59 or $97 a month.
• Early stops at 20 invoices and 5 bills, and its graphs and cash flow forecast are the basic ones.
• US payroll costs $36 a month plus $6 per employee or contractor, and is not offered to Xero's US mobile-only subscribers.
• These are US prices; Xero sells in other countries, including New Zealand, Australia and the UK, on separate regional sites.

Chaser

Automated payment chasing

Sends reminder emails, SMS and automated phone calls on overdue invoices, using follow-up templates and workflows set up in advance.

Accounting system sync

Two-way integrations with accounting systems and ERPs, plus a CSV import tool and an API for systems without a direct connection.

Cash flow and receivables forecasts

Cash flow, revenue and receivables forecasts, plus payment prediction and AI debtor risk insights. The receivables forecast is listed on Complete.

Payment collection

Chaser Pay offers a customer payment portal and payment plans, so a customer can pay an invoice or settle in instalments.

Credit monitoring

Credit reports and monitoring on customers, with early payment discounts and late payment fees as optional levers.

Chaser Care service

An add-on where a dedicated receivables specialist follows up payments, takes calls and handles disputes alongside the software.

Xero

Bank reconciliation

Match bank transactions to invoices and bills. Auto-reconcile is part of Growing and Established, and a $5 a month add-on on Early.

Invoices, quotes and online payments

Send invoices and quotes with a payment service attached, and take card payments in person with Tap to Pay on iPhone and Android.

Bills and Smart Document Capture

Bills and receipts are pulled into Xero from documents, and standard ACH bill payments in US dollars are included on every plan.

Cash flow forecasts and analytics

Forecasts run 30, 60 or 180 days ahead depending on the plan, and Syft analytics, dashboards and health scorecards are built in.

JAX assistant

Xero's AI assistant answers questions about the business's numbers and handles routine bookkeeping tasks.

Xero Payroll, powered by Gusto

Full-service payroll that calculates, files and pays federal and state taxes across all 50 states, without leaving Xero.

Chaser

• Compact$233

  per month and up, billed yearly ($259 billed monthly)

  For annual revenue under £4 million: 4 users, 30 follow-up templates and 4 automated workflows.

• Core$700

  per month and up, billed yearly ($779 billed monthly)

  For revenue under £10 million: unlimited users, templates and workflows, with multi-entity support.

• Complete$1,050

  per month and up, billed yearly ($1,169 billed monthly)

  For revenue under £100 million: Core plus a dedicated account manager, priority support and receivables forecast.

• CustomCustom

  For revenue above the Complete band; no price is published, so it is sold through sales.

Xero

• Early$27

  per month, billed monthly

  Advertised at $5.40 a month for the first 3 months. Quotes, 20 invoices, 5 bills, bank reconciliation, sales tax and a 30-day cash flow forecast.

• Growing$59

  per month, billed monthly

  Advertised at $11.80 a month for the first 3 months. No invoice or bill limits, auto-reconcile, dashboards, budgets and a 60-day forecast.

• Established$97

  per month, billed monthly

  Advertised at $19.40 a month for the first 3 months. Adds multiple currencies, project time and costs, expense claims and a 180-day forecast.

Chaser

• Annual discount

  Save 10% with yearly billing

  Chaser's pricing page shows a 10% saving on yearly billing, for example $312 a year on Compact against monthly billing.

Xero

• Other savings

  80% off the first 3 months

  New US customers buying their first organization pay 20% of the base plan price for 3 months, then the regular monthly price. Add-ons are not discounted.

• Other savings

  Two months of Xero Payroll free

  Xero's payroll page offers two months free to try Xero Payroll, which then costs $36 a month plus $6 per employee or contractor.