★★★★★160+This app is a game changer!Lesley B.

Accounts receivable software
that gets invoices paid

Paidnice chases every unpaid invoice in Xero and QuickBooks Online by email, SMS and WhatsApp until it is paid.

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5.0 from 85 reviews on the Xero App Store · 4.9 on Capterra · From US$69 a month

Xero2025WINNER2026WINNERXero App of the Year2025 Global · 2026 NZ
Accounts receivable software

What is accounts receivable software?

Accounts receivable (AR) software tracks the money customers owe you and collects it: it sends reminders and statements, adds late fees, takes payments and reports on aging and DSO. It covers five jobs between the invoice and the payment:
  • Reminders: emails and texts before and after the due date.
  • Statements: a summary of every open invoice, sent on a schedule.
  • Late fees and interest: the charges your terms allow, after a grace period.
  • Payments: a portal where customers pay online, with payment plans.
  • Reporting: aging, DSO and who pays late.
Some products are full invoicing systems. Others, like Paidnice, are online accounts receivable software that connects to the cloud accounting system you already use and runs this work from the invoices there.

Which type of accounts receivable software fits your business?

The right accounts receivable software depends on your accounting system and how many invoices you send.

Built-in tools in Xero or QuickBooks
No collections layerYou chase and send statements yourself
 
XeroorQuickBooksInvoices and basic reminders
Best forA few invoices a month, simple terms and customers who pay on timeWhere it stopsA small fixed set of reminders, statements sent manually, and few or no late fee options
A collections add-on that reads your ledger
PaidniceReminders · fees · portal · reporting
Live sync
XeroorQuickBooksYour invoices and ledger
Best forBusinesses on Xero or QuickBooks Online that chase invoices every week, from a handful of invoices a month to several thousandWhere it stopsNeeds Xero or QuickBooks Online. ERPs such as NetSuite connect on the Custom plan.
An enterprise receivables platform
Receivables platformCash application · disputes · workflows
Implementation project
ERPSAP, Oracle and similar
Best forLarge finance teams on an ERPWhere it stopsPriced by quote, with a longer setup

Paidnice is accounts receivable software for small business

A small business needs every unpaid invoice followed up on its own terms, without hiring a credit controller or buying an enterprise platform. Paidnice does this for businesses on Xero or QuickBooks Online, and for the accountants and bookkeepers who run their books.

  • Runs on your ledger: Xero or QuickBooks Online keeps your invoices, and Paidnice posts payments and fees back.
  • More than built-in reminders: reminders, statements, late fees and a payment portal, on your terms.
  • No enterprise project: no implementation and no quote to request.

See what Paidnice runs ↓See plans and pricing →

  • Sized for youPro scales with the invoices you send, with unlimited users for your team and your accountant.
  • Live in under 15 minutesConnect Xero or QuickBooks, then approve the draft policies Paidnice prepares.
  • Priced by invoice volumeYou pay for the invoices you send, with your first 20 actions free.

How Paidnice runs your accounts receivable

Each stage runs on your payment terms, from your Xero or QuickBooks invoices, automatically or after you approve it.

  1. Reminders go out before, on and after the due date, with different rules for each customer group. Each one has a link to pay.

    More on reminders →

  2. Customers with a balance get a statement on the day you choose, with a Pay now link inside the PDF.

    More on statements →

  3. Paidnice adds the fee or interest your terms allow, posts it to Xero or QuickBooks and can tell the customer. Each fee can wait for your approval.

    More on late fees →

  4. Paidnice reads each customer reply, logs the promise or the question and drafts the next step. Each draft waits for your approval, unless you pre-approve that type of reply.

    More on reply handling →

  5. Every email and SMS reply lands in one inbox with an owner. Your team adds notes, answers from Paidnice, and Team Activity shows the calls, texts and promises kept for each person.

    More on the shared inbox →

  6. When reminders stop working, the account moves to a person on your team with its full history. They choose the next step: a call, a letter or a credit stop.

    More on escalations →

  7. Customers see every open invoice and pay by card or bank debit, or move to a payment plan. No login needed.

    More on the payment portal →

  8. DSO, aging and overdue balances on one dashboard. Each customer gets a credit score from 0 to 100, so you know who needs a call.

    More on reporting →

Reminders go out before, on and after the due date, with different rules for each customer group. Each one has a link to pay.

More on reminders →

Plus cash forecasts, early payment discounts, quote reminders, letters by post and more.

What to look for in accounts receivable software

Six checks before you choose. Paidnice meets all six.

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  • Two-way ledger syncIt reads Xero or QuickBooks Online invoices and posts payments and fees back.
    Paidnice
  • Rules per customer groupDifferent reminders and terms for your best customers and your slowest payers.
    Paidnice
  • Online payment optionsA pay link in every reminder, and a portal with payment plans.
    Paidnice
  • Late fees you controlA fee or interest after a grace period, only on the customers you choose.
    Paidnice
  • Aging and DSO reportingAging buckets, DSO and a 0 to 100 credit score for each customer.
    Paidnice
  • Published pricingPlans priced by invoice volume, with your first 20 actions free.
    Paidnice

Works with the software you already run

Paidnice connects to your ledger, payment providers, CRM and team chat, so every invoice is chased, paid and recorded without manual data entry.

See all integrations → NewConnect to Claude or ChatGPT via MCP
Xero logoBusiness Central logoAcumatica logoCampfire logoPuzzle logoConnectWise PSA logoStripe logoPinch Payments logoCloud Depot logoZendesk and Intercom logoMicrosoft Teams logoClaude and ChatGPT (MCP) logoClaudeWebhooks for Make and n8n logo
QuickBooks Online logoSage Intacct logoOdoo logoDigits logoAccounting Seed logoAutotask PSA logoPayPal logoOzow logoHubSpot, Pipedrive and more logoZendesk and Intercom logoAsana and Jira logoClaude and ChatGPT (MCP) logoChatGPTWebhooks for Make and n8n logo
NetSuite logoSage Accounting logoRillet logoDualEntry logoHaloPSA logoUnleashed logoWise logoPayFast logoHubSpot, Pipedrive and more logoSlack logoAsana and Jira logoZapier logoTwilio SMS logo

Results from Paidnice customers

Four businesses on Xero, in their own words.

See all customer stories →·Read all 160+ reviews →

Accounts receivable software: common questions

What is the best accounts receivable software for a small business?
It depends on your accounting system and how much time you spend chasing. Built-in reminders in Xero or QuickBooks suit a few invoices a month and customers who pay on time. Once you chase invoices every week, an add-on such as Paidnice adds statements, late fees and interest, a payment portal and escalation to the same invoices, from US$69 a month. See the best accounts receivable software by business type.
What are accounts receivable in a business?
Accounts receivable is the money customers owe a business for goods or services it has invoiced and not yet been paid for. It shows as an asset on the balance sheet. Accounts receivable software makes sure that money comes in on time.
How much does accounts receivable software cost?
Paidnice plans start from US$69 a month and follow your invoice volume. Pro has the full core feature set and unlimited users, from US$99 a month for 300 invoices to US$799 a month for 4,000. ERPs and custom integrations are on the Custom plan. See pricing.
Is there free accounts receivable software for small business?
Xero and QuickBooks Online include basic invoice reminders in your plan. Paidnice adds statements, late fees, a payment portal and escalation, and your first 20 actions are free, with no time limit and no credit card.
Do I need accounts receivable software if I use QuickBooks or Xero?
Xero and QuickBooks keep your invoices and send basic reminders. Xero does not add late fees, and QuickBooks Online only adds the fee to the existing invoice, with no email to the customer. Neither is built to run different rules for each customer group, read replies or escalate an account that stops paying. Paidnice adds those jobs on top of the invoices you already keep there.
How do I choose accounts receivable software?
Start with your ledger: the software should sync both ways, so a payment stops the reminders on that invoice. Then list the jobs you do each week, such as statements, late fees and calls, and check that it runs each one on your terms. The six checks above cover the rest. Paidnice connects to Xero or QuickBooks Online in under 15 minutes.
What is the difference between accounts receivable software and accounting software?
Accounting software keeps the ledger: your invoices, payments and balance sheet. Accounts receivable software works on the unpaid part of that ledger and gets it paid. Paidnice posts payments and late fees back to Xero or QuickBooks, so your ledger stays the one record.
Can AI do accounts receivable?
AI can write reminders, read customer replies and draft the next step. In Paidnice, an Active policy sends its reminders on schedule, including the ones AI writes, and a Draft policy holds each one for your approval. Reply drafts wait for your approval, unless you pre-approve that type of action for a customer. AI can also look into a dispute and propose the next step for you to approve or change. See AI reply handling.
What is an accounts receivable portal?
An accounts receivable portal is a page where customers see every open invoice and pay online. Paidnice gives each customer a branded portal. They open it from the link in a reminder or statement and pay with no login. Payment plans are on Pro and above.
How does accounts receivable software reduce DSO?
It follows up every invoice on time, makes paying easy and adds a cost to paying late. Paidnice customers have a 40% lower DSO on average than when they started.
How do you calculate DSO?
Divide accounts receivable by credit sales for the period, then multiply by the number of days in the period. A business that is owed $50,000 after $150,000 of credit sales in 90 days has a DSO of 30 days. Paidnice reports DSO and aging from your Xero or QuickBooks invoices. See days sales outstanding.
Does Paidnice integrate with my accounting software?
Yes. Paidnice connects to Xero and QuickBooks Online through their official integrations. Invoices, customers and payments stay in sync, so a reminder stops when the invoice is paid. ERPs such as NetSuite connect on the Custom plan.
Can I control which customers get contacted?
Yes. Exclude any customer or a whole group, add grace periods and set different rules for each group, so the customers who pay on time are left alone.

Start getting paid on time with Paidnice

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Rated 5 stars, 160+ reviews · Xero App of the Year

Everything you expect from accounts receivable software

40+ credit and debtor management tools to ensure you get paid on time, every time.

Chase automatically

Email remindersBefore, on and after the due date, from your own domain.Send from your own emailEvery reminder from your Gmail, Outlook or own domain.SMS remindersTwo-way texts with a link to pay.WhatsApp remindersCustomers reply on WhatsApp, and the reply lands in Paidnice.Customer statementsScheduled statements with a link to pay online.Quote reminders for XeroFollow up quotes before they expire.Estimate reminders for QuickBooksFollow up estimates until they are accepted.Invoice sendsSchedule and customize how each invoice goes out.Contact routingThe invoice to the AP inbox, reminders to the person you work with.
Threaded repliesEvery reminder and reply stays in one email thread.
Shared inboxEvery email and SMS reply in one place, assigned, noted and answered.AnnouncementsOne email to the customers you pick, such as new bank details or a closure notice.Revised invoice remindersA reminder when an invoice amount changes.
Thank-you emailsA thank-you or a short survey once an invoice is marked paid.

Enforce your terms

Late feesA flat fee or a percentage, after the grace period you set.InterestA yearly rate charged by the day, or statutory interest.Prompt payment discountsTake a percentage off when customers pay early.EscalationsA case with the full history, owned by a person on your team.Calls with transcriptsCall customers from Paidnice on Pro. Each call is recorded, transcribed and saved to their timeline.Letters by postStatements, overdue letters and final notices, printed and posted on Pro and above, on request.
Payment promisesReminders wait for the promised date, and a broken promise alerts you.
DisputesA disputed invoice stops being chased until it is resolved.
FreezePause chasing for one invoice or one customer.

Get paid

Customer payment portalA secure link with every invoice, no login needed.Payment plansInstallments with reminders and autopay.Card and bank paymentsTake payment through Stripe, Pinch and more.Direct debitACH, Bacs, SEPA, BECS, NZ bank debit and Canadian PAD through Stripe, with no Paidnice fee.Payments pageEvery payment attempt, including failed debits and payments that did not sync.PO on quote acceptanceCustomers add their PO number or file when they accept a quote.Pay several invoices at onceCustomers pick the invoices and pay them together.Custom payment linksPayPal, Wise and other pay links in every reminder.

AI in Paidnice

Reply handlingPaidnice reads each reply and drafts the next step for your approval.AI collections agentAn AI agent with its own accounts and rules that answers replies and logs promised dates.PO numbersAsks for the PO, adds it to the invoice in Xero or QuickBooks and resends it.Contact updatesUpdates contacts from replies, for your approval.Paidnice AssistantDescribe a late fee, statement or reminder and it sets it up for you to apply.Ask why it was not chasedThe Assistant explains why an invoice got no reminder, and finds invoices and contacts.Fix mobile numbersSuggests the correct number format, and you approve each one.Template variationsCustomers get different wording each time.
Customer summariesA short summary of each customer, written from their history.

See it coming

Cash forecastExpected payments, week by week.Credit scoresEvery customer scored on how they pay.Aging boardInvoices by current, 1 to 30, 31 to 60, 61 to 90 and 90+ days.AR trackerEvery overdue account on a kanban board, with your own stages.Team ActivityCalls, texts, promises kept and queries resolved for each person, over 12 weeks.Collections effectivenessCEI, promises-kept rate and on-time percentage on the dashboard.Email performanceWhich reminders get opened and paid fastest.Reports and exportsAged receivables, fees, emails and plans. Saved views emailed as CSV.

Control and setup

Roles and approvalsAssign accounts to people or an AI agent, and approve actions before they send.Policy testCheck a policy against a real invoice to see if and when it fires.
Audit logWho changed which policy, group, setting, user or template, before and after.
Safe ModePaidnice prepares every action and sends nothing until you switch it off.
Customer groups and tagsDifferent rules for different customers.
Parent and sub-customersOne statement and one payment for a group of companies.Your domain and brandEmails from your own address, with your logo and colors.
Use PDF invoices from other systemsYour reminders carry the invoice PDF your other tools make, in place of the accounting one.
Team and alertsAssign customers, and get alerts for replies and broken promises.Multi-entity supportEvery company in your group under one login, with group reporting.Credit control for groupsEach UK company chases in its own name, with one view of group debt.Single sign-onSign in through Entra ID, Okta, Google or any SAML provider, on Custom.IntegrationsXero, QuickBooks, ERPs, payments, Slack, Teams and more.
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