If you’re comparing ti3 and Chaser for chasing overdue invoices, the headline difference is what each tool does at week 3 and beyond. Chaser is the strongest invoice-reminder + follow-up platform on the market and includes automated debtor phone calls (Auto-call). ti3 is built around a 5-week structured recovery sequence that explicitly avoids phone calls and ends with a Final Demand Notice or escalation decision in your business name. Both work; they’re aimed at different stages of the same problem.
Side-by-side comparison
| ti3 | Chaser | |
|---|---|---|
| Starting price | $49/mo self-serve, $499/mo managed | £199/mo (~$250 USD) entry plan |
| Headquarters / focus | US-focused | UK-headquartered, sells globally |
| Recovery model | First-party 5-week structured sequence | Invoice follow-up reminders + Auto-call |
| Phone calls | None (by design) | Yes (Auto-call: automated debtor phone calls) |
| Reminder channels | Email + SMS + formal letter (Final Demand) | Email + SMS + Auto-call |
| Final Demand Notice | Yes, built into the sequence | Available as part of escalation workflow |
| Recovery analysis | Free per-account analysis (recoverable vs write-off) | Not a core feature |
| Data in (accounting / invoicing) | QuickBooks, Stripe, Excel, CSV | Xero, QuickBooks (primary), Sage |
| Payment gateways supported | PayPal, Stripe, Nuvei, Authorize.net, FiServ, CashApp, Venmo, Zelle | Stripe, GoCardless (UK-focused) |
| Free trial | No (card required on signup) | Yes |
| Best for | Owners who want structured recovery without third party | Teams comfortable using phone calls as part of recovery |
Sources: Chaser pricing, G2 Chaser reviews, Capterra Chaser page.
Where Chaser wins
-
Auto-call (automated debtor phone calls). This is Chaser’s signature feature and it’s genuinely effective for businesses where phone calls are normal client-relationship behavior. ti3 deliberately doesn’t include this because phone calls escalate the relationship more than they should for most small businesses, but in some industries (UK trade businesses, construction subcontractor chains) phone is the expected channel. If that’s you, Chaser wins.
-
Stronger Xero integration. Chaser is deeply integrated with Xero (their original launch platform). If you run Xero and don’t want to leave that ecosystem, Chaser sits more naturally inside it.
-
Free trial. ti3 requires a card on signup (we explain why on the guarantee page). Chaser offers a free trial. If “I want to try before I commit” is a hard requirement, Chaser is easier to start with.
Where ti3 wins
-
Structured 5-week recovery sequence, not just reminders. Chaser sends follow-ups. ti3 runs a calibrated escalation sequence: week 1 reminder, week 2 forced-choice, week 3 settlement offer, week 4 Final Demand Notice, week 5 escalation decision. The difference matters when an invoice is past 30 days and reminders have already failed.
-
Per-account recovery analysis. Free at /analysis/. You upload an overdue invoice and ti3 tells you the probability of recovery + the recommended action before you spend anything on the program. Chaser doesn’t have a per-account decision tool; it assumes you’ve already decided to chase.
-
US-focused law, US-focused customers. ti3’s Final Demand Notice language, state SOL data, and late-fee guidance are calibrated for US small business. Chaser is excellent globally but its US fit comes through the same integrations everyone has (QuickBooks, Xero), not US-specific legal context.
-
No phone calls by design. This is a feature, not a missing capability. Most owner-operator small businesses lose more on the relationship than they gain on the recovery when they put automated phone calls in the sequence. ti3 ends with a Final Demand Notice and an escalation decision; phone is yours to make manually if it’s right for the situation.
Buyer-specific verdict
If you’re a US owner-operator (1-50 employees), Xero or QuickBooks user: ti3 if you want the structured 5-week recovery sequence. Chaser if you want lighter-weight reminders + the option to add Auto-call.
If you’re an MSP recovering retainer non-payment: ti3, with the MSP-specific positioning. See our MSP collections guide. Both tools work but ti3’s anti-suspension framing maps more directly to MSP client preservation.
If you’re a UK trade business or contractor: Chaser. Auto-call genuinely matters in that market and Chaser’s UK fit is stronger.
Frequently asked questions
Can ti3 add Auto-call later?
Not on the current roadmap. It’s a deliberate design decision; we’ve found that phone-call automation produces worse net outcomes for SMBs than structured email + SMS + Final Demand Letter escalation. Different customers will disagree and that’s fine; Chaser is the right tool if Auto-call is non-negotiable.
Does ti3 send reminders before an invoice is overdue?
ti3’s primary use case is post-due recovery (day 1+ past due). Pre-due reminders are typically handled by your invoicing tool (QuickBooks, Xero, FreshBooks). Chaser does both more naturally.
Does ti3 do SMS?
Yes. ti3’s recovery sequence includes email + SMS + a formal Final Demand letter. SMS is part of the day-7 forced-choice step in particular, where response rates climb when there’s a phone-screen ping in addition to email.
Which one is cheaper?
ti3 self-serve at $49/mo is cheaper than Chaser’s £199/mo entry. ti3 managed at $499/mo is roughly comparable to mid-tier Chaser plans, but the cost-comparison only matters once you’ve matched the right tool to the right job.
Can I use both?
Some teams do: Chaser for ongoing reminders during the first 30 days, ti3 for structured recovery on accounts that go past 30 days. Workflow overlaps though, so most teams converge on one.
Where to go next
If you have overdue invoices right now and you’re not sure which tool fits: run them through ti3’s free analysis. The analysis is free even if you end up choosing Chaser; the output tells you which accounts are recoverable, which are write-off candidates, and which would benefit from the kind of structured sequence either tool can run.
Reading the small-business AR recovery complete guide before you decide is the strongest 10-minute prep. It explains the recovery curve and which tool fits which stage.