# Satago review (2026): is it worth £45 a month, billed yearly? > Credit control and credit risk tools, with optional invoice finance Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA. Satago is a UK platform that connects to accounting software to chase overdue invoices, check customers' credit, and offer invoice finance. Plans are priced in pounds and differ by credit reports and reminder volume. Separate plans exist for accountants and their clients. - **Category:** Accounting & Invoicing - **Made by:** Satago Financial Solutions Limited - **Website:** https://www.satago.com - **Runs on:** Web - **Who should skip it:** Skip it if you want to try it first, because there is no free plan or trial. - **Facts last checked:** Nov 13, 2026 ## Pricing As of Nov 13, 2026, Satago is a paid product, starting at £45 per month (£450 billed annually). - **Pricing model:** Paid - **Free plan:** None. - **Free trial:** None listed. | Plan | Price | What you get | | --- | --- | --- | | Basic | £45 per month, billed monthly (£450 billed annually) | 25 credit reports, credit limit suggestions and credit control with 100 email reminders a month. | | Premium | £80 per month, billed monthly (£800 billed annually) | 100 credit reports, unlimited email reminders, 100 SMS reminders, card and buy-now-pay-later acceptance. | | Platinum | £200 per month, billed monthly (£2,000 billed annually) | Unlimited credit reports (fair usage), 1,000 SMS reminders and a dedicated account manager. | Read from https://www.satago.com/pricing/ on Nov 13, 2026. Prices change, so confirm with Satago before buying. ## Ways to pay less - **Two months free on annual billing** (Annual discount): Satago's pricing page shows annual totals of £450, £800 and £2,000 against £45, £80 and £200 a month, which works out to two months free on each plan. Source: https://www.satago.com/pricing/ ## Key features - **Credit control:** Automated chasing with customizable emails and schedules, a late payment calculator and, on higher plans, sending from your own email account. - **Risk Insights:** Customer credit scores, credit limit suggestions and views of risk concentration by days overdue and by sector. - **Invoice finance:** Selective and full invoice finance offered in the same platform; the site cites advance rates up to 90%. - **Accounting connections:** Connects to accounting software through an API; the site's footer lists Sage and Xero as integrations. - **Card and buy-now-pay-later acceptance:** Premium and Platinum add integrated card payment acceptance and buy-now-pay-later options for paying chased invoices. - **Accountant plans:** Separate plans for accountants with client counts, user limits and a 30% discount on standard pricing for each client added. ## Good for - UK small and mid-sized businesses chasing late payers - Firms that want credit checks on customers before extending terms - Accountants managing credit control for several clients ## Worth knowing - Prices are in pounds, and the pricing page is aimed at UK businesses. - Basic caps email reminders at 100 a month and credit reports at 25. - SMS reminders are limited per rolling 30 days: 100 on Premium, 1,000 on Platinum. - Invoice finance is a lending product with its own fees, priced separately from these plans. ## ToolGPA grades **GPA: 1.6 out of 4**, graded Nov 13, 2026. Satago connects to Sage or Xero to chase overdue invoices, check customers' credit and offer invoice finance. But it is a narrow job, the entry plan caps reminders and credit reports, and there is no free plan or trial. - **Value for money: C.** £45 a month, or £450 on yearly billing. That is in the upper part of what the category charges, and the SMS reminders and card payments are on £80. - **Free plan and trial: F.** No free plan and no trial on the listing. - **Features: D.** One narrow job, credit control, which needs Sage or Xero to be useful. Invoice finance is a separate lending product. - **Ease of use: C.** No store rating on record, and you connect your accounting software before it does anything. - **Platforms and integrations: B.** Web only, with Sage and Xero connections. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Satago's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. ## Where it stands among accounting and invoicing tools - Satago's GPA of 1.6 is higher than 2 of the 127 other accounting and invoicing tools we grade, and level with 9. - It stands best on platforms and integrations (B, above 28 of 127) and worst on free plan and trial (F, above 0). - Its paid plans start at about $60.30 a month, against a middle price of $18.09 for the category: 79 of the 90 others that charge start lower. - On features, ease of use and platforms it scores 2.0 out of 4. 71 tools score higher and cost less. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, or make your own? **Keep it.** To replace Satago you would be making connections to other products, each kept working as those products change. That is not a weekend's work, with an AI app builder or without one. That makes this kind of software worth paying for, not this one in particular: 116 of the 127 other accounting and invoicing tools grade higher. It costs $723.54 a year. - You could make: Reports: an app builder makes this well. - You could not: Connections to other products, each kept working as those products change. - You could not: Connections that pull numbers from dozens of other services. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with Sage, Xero **Tags:** Reports, Workflow automation, Dashboards ## Alternatives - [Chaser](https://toolgpa.com/tools/chaser): Accounts receivable automation: payment chasing and cash forecasts. [Compare](https://toolgpa.com/compare/chaser-vs-satago) - [Docyt](https://toolgpa.com/tools/docyt): AI accounting, bill pay and reporting for hotels and chains. [Compare](https://toolgpa.com/compare/docyt-vs-satago) - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/satago-vs-xero) - [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/quickbooks-vs-satago) - [FreeAgent](https://toolgpa.com/tools/freeagent): Accounting for freelancers and small firms, built in the UK. [Compare](https://toolgpa.com/compare/freeagent-vs-satago) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://www.satago.com/pricing/ - https://www.satago.com Page: https://toolgpa.com/tools/satago Listed by ToolGPA (toolgpa.com).