collect.ac offers reminder sequencing, contract-aware escalation, ledger import, and the free contract check and calculators, templates, and guides linked from this page. The table below states each vendor's feature set directly, gaps included, rather than a generic checkmark.
Feature comparison
| Feature | collect.ac | Chaser | Upflow | Gaviti |
|---|---|---|---|---|
| Reminder sequencing | Automated reminder sequencing across email and SMS | Automated email, SMS, and auto-call sequences | Automated personalized reminders | Automated workflows with escalations |
| Contract-aware escalation | Contract-aware escalation | — (late fees supported; not stated as contract-specific) | — | — |
| Ledger / accounting import | Direct ledger and accounting import | Direct integrations with Xero, QuickBooks, Sage, NetSuite, Dynamics 365, SAP, +4 more | Direct integrations with NetSuite, Sage Intacct, QuickBooks, Xero | ERP-agnostic integration, no specific vendors named |
| Multi-currency support | Multi-currency support | Multi-currency and international invoicing | — | — |
| Audit trail | Account and invoice-level audit trail | — | — | — |
| Payment processor integration | Stripe integration | Stripe integration (Chaser Pay) | Stripe Billing, Zuora, and Chargebee integrations | Payment portal with ACH and card, no processor named |
| Collections/partner handoff | Partner program with automated collections handoff | — | — | — |
| Published pricing | Scales with ARR | Yes — £199 / £599 / £899 per month (Compact / Core / Complete) | No — free analytics tier, paid tiers quote-based by ARR band | No — custom, usage-based by module and customer volume |
What should you actually weigh when choosing?
Reminder automation, ledger import, and payment processing are sourced, shipped capability across all four vendors compared here. If contract-aware escalation specifically (late fees and notices that respect each customer's actual contract terms, not a flat rule) is the deciding factor, none of the three competitors document that as a feature — collect.ac is the only one that does.
For the underlying checklist these rows are drawn from, see our AR automation features checklist, which is written to be useful regardless of which vendor you end up choosing.