Upflow pricing: what Upflow costs, how the invoice-value bands work, and the payments fees it does publish

Upflow does not publish plan prices. Every one of its five plans, Starter, Grow, Scale, Accelerate and Enterprise, says "Ask for a quote", and the plan you land on is set by your Gross Invoice Value (GIV), the total value of invoices you run through Upflow in a year: up to $10 million on Starter, $25 million on Grow, $50 million on Scale, $100 million on Accelerate, and above that on Enterprise. Every plan includes unlimited user seats. What Upflow does publish is the cost of its payments add-on: a $390 a month platform fee, plus 3.5% + $0.30 per card payment and 0.8% capped at $5 per ACH debit.

So the useful questions for a US buyer are not "what is the list price", because there isn't one. They are which GIV band you fall into, which features and connectors that band unlocks, what SMS, calls and payments add on top, and how the quote compares with the handful of vendors that do print a number. That is what this page covers.

Figures taken from upflow.io/pricing, viewed from the United States in September 2026. Several review sites still quote an old "starts at $440" figure; it no longer appears on Upflow's own page, so do not budget from it.

How much does Upflow cost?

Here is the published plan grid. The price column is Upflow's own wording, because it gives no figure for any plan.

Upflow's help text describes each plan as a GIV threshold plus a yearly commitment, invoice volume limits, unlimited seats and a feature set. Plans are prepaid; usage fees are billed afterwards. Monthly and quarterly plans need a card, ACH debit or SEPA debit on file before you get access, while yearly plans can also pay by wire.

How does Upflow pricing work?

The driver is invoice value, not headcount. That is the opposite of a per-seat tool like Kolleno, where each collector adds a monthly fee, and it is different again from Chaser, which bands on total company revenue. With Upflow, a business that bills $8 million a year sits on Starter whether it has two people in finance or twelve, and adding the sales team so they can see account status costs nothing extra.

Two details are worth reading closely. First, the GIV thresholds are "indexed to the subscription frequency", so ask how a strong quarter is counted if you pay monthly or quarterly, and what happens if you cross a threshold mid-term. Second, Upflow says it accepts no legal or security comments on its MSA or DPA for monthly plans or for the $10 million plan. If your procurement or security team needs to redline contracts, that pushes you to an annual commitment on Grow or above before the conversation even starts.

What each Upflow plan unlocks

The row that decides most US shortlists is the second one. If your ledger is NetSuite or Sage Intacct, Starter is not an option, whatever your invoice value, because those connectors start on Grow. A $6 million NetSuite company is therefore quoted for a plan sized for companies up to $25 million. The same gating applies to AI: Upflow's autonomous Collections Agent begins on Scale, and the Cash Application Agent on Accelerate, both "subject to fair usage". On Starter and Grow, your team still works the queue.

Starter does include a two-way Gmail and Outlook sync, which matters if collectors reply to customers from their own inboxes. Teams that juggle a shared AR address alongside personal mailboxes sometimes pull everything into one view across every AR mailbox first, so no customer reply about a payment gets missed.

What the Upflow Payments add-on costs

This is the one set of numbers Upflow does publish, and it is the part of the bill most buyers underestimate.

Fees apply per successful transaction, and Upflow offers volume pricing from Scale up. A worked example shows why the mix matters. Say you collect 600 payments a year averaging $4,000. If all of them come in by ACH, each hits the $5 cap, so fees are $3,000 plus $4,680 in platform fees: $7,680 a year. If a third of them come in by card instead, those 200 payments cost $140.30 each, or $28,060, and with the remaining 400 ACH payments and the platform fee the year comes to $34,740. Upflow lets you surcharge cards, which moves that cost to the customer where state rules allow it, but check your customer contracts before you switch it on.

There is also a cheaper route. Upflow Payments Lite runs on your existing third-party gateway "for a small fee", quoted separately. If you already take payments through Stripe, price both options.

Does Upflow charge for SMS and calls?

Yes. Every plan lists email, SMS, call and letter reminders, but only email is unlimited. SMS, calls and letters are each marked "subject to usage fee", billed after the fact, and Upflow does not print those rates on its pricing page. Ask for the per-message and per-call rate in writing, and model it against how many overdue invoices you would escalate past email each month. For comparison, Chaser publishes its credits: SMS from $0.10 down to $0.07 and calls from $0.11 down to $0.07, with 100 to 1,200 of each included by plan. Our Chaser pricing breakdown has the full rate card.

Which accounting systems does Upflow connect to?

Upflow lists QuickBooks Online, Xero, Pennylane, Chargebee, Stripe Billing and Rillet on every plan, NetSuite and Sage Intacct from Grow, and Zuora from Scale. Microsoft Dynamics 365 Business Central and SAP S/4HANA are both marked as not yet available, and custom integrations are quoted separately. QuickBooks Desktop is not on the list.

Cash application is narrower still. Upflow's real-time reconciliation for offline payments, which writes matched transactions back to the ledger, is available on NetSuite and Sage Intacct only, and the end-to-end payments sync covers those two plus QuickBooks Online, with the QuickBooks piece not yet live. A Xero business can chase with Upflow but should not expect automated cash application. If that is the job you need done, our page on cash application software compares who handles it on which ledger.

Is there a free version of Upflow?

Upflow's Discover plan gives access to its AR dashboard and insights at no charge, so you can benchmark your aging and DSO. It does not send reminders, run collections or take payments, so it is a way to look at the problem rather than a plan that works it. Any real collections use starts on a quoted Starter plan.

Upflow pricing vs the vendors that publish a rate card

If you are weighing a per-user model, our Kolleno pricing page shows how quickly seats add up once converted to dollars. For every published figure in the category side by side, see accounts receivable automation pricing.

Is Upflow worth it for a US business?

Upflow fits well when three things are true: your invoice value sits comfortably inside a band, you want many people in the tool without paying for seats, and your ledger is QuickBooks Online or Xero at the small end, or NetSuite or Sage Intacct if you are ready for Grow. Upflow states a 4.9 out of 5 average from more than 200 G2 reviews, which is a strong evidence base for a vendor its size, and its portal and payments stack is genuinely deep.

It fits less well if you want the chasing done rather than organized. On Starter and Grow, Upflow gives your team a better queue, templates and a portal; the autonomous Collections Agent is a Scale feature. It is also a harder budget to predict than a flat fee, because SMS, calls and letters are metered, the payments platform fee is separate, and card fees scale with your customers' habits. A controller who owns receivables alongside the close, on QuickBooks or Xero, usually gets more from a tool that does the follow-up itself at a fixed monthly cost. Our Upflow alternative comparison sets the two approaches side by side.

Six things to get in writing before you sign

1. The annual price for your band, with implementation and onboarding shown as separate lines.
2. How GIV is measured and what happens, in dollars, if you cross the band during the term.
3. The SMS, call and letter rates, per unit, and whether any volume is included.
4. Your ledger's connector by plan, including whether cash application writes back to it.
5. The all-in payments cost at your real card and ACH mix, and whether Payments Lite would do.
6. Contract terms: renewal uplift cap, and whether your team can comment on the MSA and DPA at the plan you are buying.

What to do next

If you are comparing a whole shortlist rather than Upflow alone, our Corcentric competitors page covers the vendors that add a human service layer or early payment on top of software, and AR automation for NetSuite covers the ledger where Upflow's plan gating bites hardest. If you would rather see what your own receivables look like before you book a single demo, drop an open-invoice export from QuickBooks or Xero into the accounts receivable automation demo on our homepage: you get an aging report and a sample reminder in a couple of minutes, and plans start at a flat $299 a month.