The Satago Insider’s Guide
Everything we know about Satago in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Satago
The Insider’s Guide
Credit control and credit risk tools, with optional invoice finance
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Satago’s own pages.
Made by Satago Financial Solutions Limited · checked Nov 13, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Satago’s own pages, its app-store listings and our grades. Every fact in it is on Satago’s page too, where it is kept up to date. Checked Nov 13, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
1.6
GPA, above 2 of the 127 other accounting and invoicing tools we grade
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.
To get you started, here are 8 things to know about Satago, taken from its own pages and our grades.
But it is a narrow job, the entry plan caps reminders and credit reports, and there is no free plan or trial.
- 1
Best for chasing late UK invoices and checking credit
Satago connects to Sage or Xero to chase overdue invoices, check customers' credit and offer invoice finance.
- 2
Paid plans start at about $60.30 a month
As its pricing page puts it: £45 per month (£450 billed annually).
- 3
It runs on Web
Web.
- 4
Credit control
Automated chasing with customizable emails and schedules, a late payment calculator and, on higher plans, sending from your own email account.
- 5
Risk Insights
Customer credit scores, credit limit suggestions and views of risk concentration by days overdue and by sector.
- 6
Invoice finance
Selective and full invoice finance offered in the same platform; the site cites advance rates up to 90%.
- 7
A 1.6 GPA, above 2 of 127
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 8
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.
Satago at a glance
- Pricing
- Paid, from £45 per month (£450 billed annually)
- Free plan
- No
- Free trial
- None stated
- Runs on
- Web
- Made by
- Satago Financial Solutions Limited
- Category
- Accounting & Invoicing
- Our grade
- 1.6 GPA, weak
The report card
Best for chasing late UK invoices and checking credit
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Satago is for
- Fits if you use Sage or Xero and have customers who pay late
- Makes sense if you want credit checks on new customers
Who it is not for
- Skip it if you want to try it first, because there is no free plan or trial
- Tight on Basic: 25 credit reports and 100 email reminders
- Watch out: SMS reminders are limited per rolling 30 days, 100 on Premium and 1,000 on Platinum
- Watch out: invoice finance has its own fees, apart from these plans
- Not for you if you're outside the UK, because the pricing is aimed at UK businesses
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
~$60.30
A month to start
Satago is a paid product, starting at £45 per month (£450 billed annually).
No free plan and no trial on the listing.
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 satago.com on Nov 13, 2026.
Ways to pay less
Annual discount
Two months free on annual billing
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.
Stated on satago.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
1
Place it runs: Web
Credit control and credit risk tools, with optional invoice finance. Here is what it does, as its own site describes it, and what it covers: workflow automation, reports, dashboards.
One narrow job, credit control, which needs Sage or Xero to be useful.
- 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.
Where it runs
- Web
What it works with
- Sage
- Xero
Satago is made by Satago Financial Solutions Limited.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
2/127
Other accounting and invoicing tools it is graded above
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.
Each grade against the category
Every bar is all 128 accounting and invoicing tools we grade, cut by the letter each got. Satago’s own letter is outlined.
- CValue for moneyAbove 19 of 127
- FFree plan and trialAbove 0 of 127
- DFeaturesAbove 0 of 127
- CEase of useAbove 6 of 127
- BPlatforms and integrationsAbove 28 of 127
Price against what you get
Each dot is one of 101 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Satago is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
What you could make
- Reports: an app builder makes this well.
What you could not
- Connections to other products, each kept working as those products change.
- Connections that pull numbers from dozens of other services.
What this rests on. Satago’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Chaser, Docyt, Xero, QuickBooks Online and FreeAgent
The 5 tools Satago is most often weighed against, with where each one differs from it.
- 1.6GPA
Chaser
Free trial · from $233/mo
Accounts receivable automation: payment chasing and cash forecasts.
- 2.0GPA
Docyt
Paid
AI accounting, bill pay and reporting for hotels and chains.
- Satago also covers workflow automation.
- Docyt also covers bookkeeping, expense tracking, bill pay and company cards.
- 2.6GPA
Xero
Free trial · from $27/mo
Cloud accounting for small businesses, with unlimited users.
- Only Xero lists iOS and Android apps.
- Satago also covers workflow automation and dashboards.
- Xero also covers invoicing, bookkeeping, expense tracking and payroll.
- 2.4GPA
QuickBooks Online
Free plan · from $38/mo
Cloud accounting from Intuit, from a free plan to 25-user Advanced.
- QuickBooks Online has a free plan. Satago does not.
- Only QuickBooks Online lists iOS and Android apps.
- Satago also covers workflow automation and dashboards.
- 2.2GPA
FreeAgent
Free trial · from $27/mo
Accounting for freelancers and small firms, built in the UK.
- Only FreeAgent lists iOS and Android apps.
- Satago also covers workflow automation and dashboards.
- FreeAgent also covers time tracking, invoicing, bookkeeping and expense tracking.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
13
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Satago free?
No. Satago is a paid product, starting at £45 per month (£450 billed annually).
How much does Satago cost?
Satago lists 3 plans. Basic: £45 per month, billed monthly (£450 billed annually).
What platforms does Satago work on?
Satago is available on Web.
Does Satago offer any discounts?
Satago publicly lists the following: Two months free on annual billing.
Does Satago have an Android app?
No Android app was listed when its pages were read on Nov 13, 2026. Satago is listed for Web.
Does Satago have an iPhone app?
No iPhone app was listed when its pages were read on Nov 13, 2026. Satago is listed for Web.
Is Satago open source?
Satago is not described as open source on its own site, as read on Nov 13, 2026.
What does Satago integrate with?
Satago's listing names Sage and Xero. A listing names up to eight integrations, so it may connect to more.
Who makes Satago?
Satago is made by Satago Financial Solutions Limited.
What are the alternatives to Satago?
The closest alternatives to Satago in our directory are Chaser, Docyt, Xero, QuickBooks Online and FreeAgent.
How does Satago compare with other 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.
Is Satago good value for money?
ToolGPA grades Satago C for value for money. 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.
Could I make my own version of Satago?
To replace Satago you would be making connections to other products, each kept working as those products change.
Where this guide comes from
The prices, plans, platforms and features were read from Satago’s own pages on Nov 13, 2026, and the grades were given on Nov 13, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Satago Financial Solutions Limited. Prices change, so check satago.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
7,721
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
7,721
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Satago, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/satago
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Satago: The Insider's Guide", checked Nov 13, 2026. https://toolgpa.com/tools/satago
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/satago/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Satago, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 129 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Cash App Taxes Insider's GuideFree federal and state tax filing inside Cash App3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Satago’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Satago is a trademark of its owner, and this guide is not made, paid for or approved by Satago Financial Solutions Limited. Prices and plans change: check satago.com before you buy.