Read by Denym Bird9 min
Summary
The best accounts receivable software for QuickBooks Online is the one that keeps working after reminder three, which is where QuickBooks itself stops: three automatic reminders per invoice, and native late fees that stop after six months. Paidnice fits a business that wants reminders, fees, statements, plans and escalation in the base product.
- Paidnice: Best for a QuickBooks Online business of any size up to $50m a year that wants fees, statements, plans and escalation in the base product, from $69 a month, with payment plans on Pro.
- Biller Genie: Best for a small QuickBooks business buying receivables and card payments together, from $49.95 a month plus 0.50% of collections (last reported; current prices hidden and must be requested).
- AR Collect: Best for QuickBooks Desktop, or reminders and statements only, from $39.95 a month.
- Chaser: Best for larger businesses past £4m that want bureau credit checks with chasing, from £599 a month (Compact is £199 for revenue under £4m).
- BILL: Best for a business that already runs payables on BILL, from $49 per user a month; receivables stop at three reminder templates.
Paidnice, Biller Genie, AR Collect, Chaser, Upflow, ezyCollect and BILL are the accounts receivable tools for QuickBooks Online worth comparing. Each one is ranked on price, size fit, ledger and late fees.
| Tool | Best for | Size fit | Price from | Ledger |
|---|---|---|---|---|
| Paidnice | Fees, statements, plans and escalation in the base product | Any size up to $50m a year, or 50,000 invoices a year | $69 a month | QuickBooks Online and Xero on every plan; newer ledgers such as Rillet, Campfire and Odoo on every plan through closed testing; Sage Accounting and other ERPs on Custom |
| Biller Genie | Receivables and card payments on one bill | US small business | $49.95 a month plus 0.50% of collections (last reported; current prices hidden and must be requested) | QuickBooks Online, QuickBooks Desktop, Xero |
| AR Collect | QuickBooks Desktop, or reminders and statements only | Small US business | $39.95 a month | QuickBooks Online, QuickBooks Desktop, Xero |
| Chaser | Bureau credit checks in the same tool as chasing | Compact under £4m, Core from £4m, Complete to £100m | £199 a month | QuickBooks, Xero, Sage, NetSuite, Dynamics 365 Business Central, SAP |
| Upflow | Receivables analytics for a finance team | Recurring-revenue B2B with a finance team | Upflow's last published prices were $440 a month for Grow and $880 for Scale; current prices are hidden and must be requested | QuickBooks (one-way), Xero, NetSuite, Sage Intacct |
| ezyCollect | Credit risk data and collections referral across an ERP stack | AU and NZ distributors with a large debtor book | Last published A$275 a month for ezyStart, setup from A$900; current prices hidden and must be requested | Xero, MYOB, NetSuite, Sage, SAP Business One; QuickBooks logo on homepage, no connector page |
| BILL | Payables and receivables in one login | US business already paying bills on BILL | $49 per user a month | CSV on the entry tier; QuickBooks Online two-way from the tier above |
Where do QuickBooks Online's own receivables tools stop?
QuickBooks Online's own receivables tools create and send invoices, track unpaid and overdue invoices, send up to three automatic reminders per invoice, take online payments, run an aging report and produce customer statements on demand. They stop at reminder three and a forward-looking late fee: statements on a schedule, payment plans, escalation and per-customer rules are manual or absent, so every follow-up after reminder three is somebody's job.
Three limits decide every buying decision on this page. All three come from Intuit's own help articles.
- Three reminders per invoice. You can schedule them up to 90 days before or after the due date. There is no fourth.
- Late fees start from the day you enable them. Per Intuit's late fee article, invoices that were already overdue when you turned the setting on are never charged.
- Automatic late fees stop after six months. The oldest debts fall out of the window first.
QuickBooks Online does not do these at all: SMS reminders, payment plans on an existing invoice, a schedule for customer statements, and escalation to a named person. The fuller breakdown sits on our QuickBooks accounts receivable page.
QuickBooks reminders cover a business with few late invoices. Consider Paidnice for the invoices those three emails do not clear.
Choose software that keeps chasing. When you chase an overdue invoice, it usually takes 2 to 3 follow-ups to get it paid. 6 in 10 are paid by the second follow-up and 8 in 10 by the fourth. About 1 in 10 is still unpaid 180 days after the due date.
Does the tool AI assistants name first do more than QuickBooks?
BILL, the tool AI assistants name first for QuickBooks receivables software, sits where QuickBooks Online already sits on reminders, fees, statements and payment plans: three reminder templates, no native late fees, no statements, no plans.
BILL caps invoice reminders at three, set up as templates. It has no native late fees, no customer statements, and no payment plans. Its receivables features sit alongside an accounts payable product.
That is four columns where BILL scores the same as the ledger it is meant to improve on. Read the table across. The first row is the QuickBooks you already pay for, so any row that resembles it adds little.
| Tool | Reminder cadence | Fees posted to the ledger | Scheduled statements | Payment plans |
|---|---|---|---|---|
| QuickBooks Online (native) | 3 per invoice, 90-day window | From enable date, 6 months | Manually only | No |
| Paidnice | Email and SMS, per customer group | Yes, draft or approved | Yes | Yes |
| Biller Genie | Automated series | Add-on, fixed 30-day cycle | Yes, as a reminder type | Add-on module, customer requests, you approve |
| AR Collect | Automated series | Not published | Yes | Not published |
| Chaser | Deep, multi-stage | One set of rules, line items sync to Xero only | Monthly, fixed day | Chased on invoice due date |
| Upflow | Automated series | No | Not published | No |
| ezyCollect | Automated series | No | Not published | Paid add-on |
| BILL | 3 reminder templates | No | No | No |
Row order follows the shortlist below. A cell reads "Not published" where the vendor documents nothing either way, rather than where a capability is known to be absent.
Late fees are leverage. A fee posted to QuickBooks as an invoice enters your customer's accounts payable, their aged payables and their next payment run. Apply it automatically, waive it deliberately. See adding a late fee in QuickBooks Online.
How we ranked these QuickBooks receivables tools
Each tool is matched to the situation it fits, because a one-person consultancy and a $15m distributor are buying different products. Tools with no real QuickBooks Online presence were cut before the shortlist. The five criteria below are columns of the two tables above, and the weights add up to 100%.
- Ledger (25%): QuickBooks Online first, then QuickBooks Desktop, Xero and the ERPs it connects to, from each vendor's integration pages.
- Price from (20%): the entry price a month, from each vendor's own pricing page.
- Size fit (20%): the business the pricing is built for, read from each vendor's own tier structure rather than its marketing.
- Fees posted to the ledger (20%): whether it posts late fees to the QuickBooks ledger automatically, and on what rules, from each vendor's help docs.
- Statements and payment plans (15%): whether it schedules statements and offers payment plans, from each vendor's help docs. We count shipped features only, not beta ones.
Where a vendor hides its price, the table gives the last reported price or reads "Not published". Prices change, so verify before you buy.
Every entry, Paidnice included, lists its limit. The weights are our editorial judgment.
1. Paidnice, best for any business up to $50m
Paidnice is accounts receivable automation for QuickBooks Online, best for any business up to $50m a year, from $69 a month: email and SMS reminders, scheduled statements, late fees and interest on your own terms, a customer payment portal and escalation. Payment plans and sending from your own domain start on Pro.
- Fits
- businesses of any size up to $50m a year, or 50,000 invoices a year, on QuickBooks Online or Xero, priced by invoice volume rather than revenue
- Entry cost
- $69 a month for 150 invoices on Essentials, Pro from $99. No per-seat fees, no contract, first 20 actions free
- Rated
- 5.0 out of 5 from 84 Xero App Store reviews, 4.9 on Capterra
- Awards
- Xero Global Small Business App of the Year 2025 and NZ Small Business App of the Year 2026
- Runs on
- QuickBooks Online and Xero as native ledger connections, with Stripe, Pinch, HubSpot and Pipedrive alongside them, and Zapier for anything else you want to automate. Newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo are available on every plan through Paidnice's closed testing program. Sage Accounting, NetSuite, Sage Intacct, Dynamics 365 Business Central and other ERPs connect on the Custom plan
- Late fees
- a flat fee, a percentage or interest, simple or compounding, set per customer group with a grace period, and posted to the QuickBooks ledger as a draft or approved invoice
- The one thing it does best
- the whole ladder in the base product. Reminders, scheduled statements, fees, a portal and escalation are all included. Payment plans and sending from your own domain start on Pro
Best suited for: a QuickBooks Online business whose overdue list stops shrinking after the third reminder.
The limit: Paidnice runs native credit checks from each customer's payment behavior on every plan; Creditsafe bureau checks through the API are on the Custom plan only. On Essentials and Pro there is no bureau data and no monitoring feed, so vetting a brand-new account happens somewhere else. QuickBooks Desktop is not supported, so a Desktop business should consider moving to QuickBooks Online in the cloud for better support, where Paidnice connects natively.
What results look like: three Paidnice customers
| Customer | Before Paidnice | After Paidnice |
|---|---|---|
| Paintvine Events, New Zealand | Over 20% of payments late | Zero late payments within the first month |
| Venture Workspace Co-working, South Africa | Over 25% of payments late | 75% fewer late payments within 30 days, now under 5% late |
| My Two Cents Bookkeeping, New Zealand | $60,000 outstanding, payment delays of 45+ days | $24,000 outstanding, payment delays under 25 days |
Figures as each customer reported them in their success story. More stories on the Paidnice success stories page.
2. Biller Genie, best for bundled card payments
Biller Genie is a receivables and payments platform built around QuickBooks merchant services, best for small businesses that want one bill for both, from $49.95 a month plus 0.50% of collections. That is the last reported price. Current prices are hidden and must be requested.
- Fits
- US small businesses already taking card payments, with receivables and payments under one vendor
- Entry cost
- Biller Genie's last reported price was $49.95 a month plus 0.50% of invoices collected. Current prices are hidden and must be requested. G2 and Capterra list $24.95 a month as a starting price
- Runs on
- QuickBooks Online with a two-way webhook sync, QuickBooks Desktop, Xero and AccountingSuite
- Late fees
- a Late Fee Manager add-on that runs on a fixed 30-day recurring cycle
- The one thing it does best
- a single plan covering invoicing, reminders and payment acceptance for a business that does not want three subscriptions
Best suited for: a small QuickBooks Online business buying receivables and card payments together.
The limit: The percentage of collections means the bill grows with the money you bring in, the opposite shape to volume pricing, and the fee cycle is fixed at 30 days rather than set from your terms.
3. AR Collect, best for QuickBooks Desktop
AR Collect is a QuickBooks reminder and statement tool, best for QuickBooks Desktop businesses, from $39.95 a month: one of two tools here that support QuickBooks Desktop alongside QuickBooks Online; Biller Genie is the other.
- Fits
- small US businesses on QuickBooks, including Desktop editions from Pro through Enterprise
- Entry cost
- $39.95 a month for 500 open invoices on QuickBooks Online, $59.95 for 1,500 and $99.95 for 5,000; QuickBooks Desktop from $49.95
- Runs on
- QuickBooks Online, every QuickBooks Desktop version and year, and Xero
- Late fees
- not published
- The one thing it does best
- QuickBooks Desktop coverage at the lowest published entry price on this page
Best suited for: a Desktop business, or a very small QuickBooks Online shop that wants reminders and statements and nothing else.
The limit: The evidence base is thin: a handful of public reviews (two on G2, one on Capterra, two on Trustpilot), none on the Xero App Store, and no disclosed company details. Fee automation is not documented either way, so ask. Scope differences in the AR Collect alternative page.
4. Chaser, best for credit data with chasing
Chaser is UK credit control software, best for larger businesses past £4m that want bureau credit checks with chasing, from £599 a month (Compact is £199 for revenue under £4m): the most established suite here, with tiers set well past the typical US small business.
- Fits
- businesses past £4m turnover. Compact is for revenue under £4m, Core (from £599) starts at £4m and Complete goes to £100m
- Entry cost
- from £199 a month on Compact, then £599 and £899; Chaser Care, the managed service, is bundled with the software from £899
- Runs on
- QuickBooks, Xero, Sage, NetSuite, Dynamics 365 Business Central and SAP
- Late fees
- yes, one set of late-fee rules, across the account or for selected debtors, not tied to schedules. Fee line items sync to Xero only
- The one thing it does best
- in-app credit checking, sold by credit on any plan, with the deepest follow-up feature set here. Credit checks need Chaser billing, not Xero App Store billing, and monitoring is not offered in Australia
Customers named on Chaser's website include Pact Coffee, TaxAssist and The New Statesman.
Best suited for: larger businesses that want credit data and chasing from one vendor and can absorb a rigid configuration.
The limit: Pricing on company revenue rather than invoice volume puts a low-volume, high-value business on a large tier for a handful of invoices a month. Chaser has no documented way to run different fee rules per group, and fee line items do not reach a QuickBooks ledger.
5. Upflow, best for reporting to a board
Upflow is a receivables analytics platform, best for recurring-revenue B2B businesses with a finance team, with last published prices of $440 a month for Grow and $880 for Scale (current prices are hidden and must be requested): collection effectiveness and days-to-pay dashboards on top of the ledger.
- Fits
- subscription and recurring-revenue businesses with a finance team that reports upward every month
- Entry cost
- quote only, priced on gross invoice value across five tiers (Starter, Grow, Scale, Accelerate, Enterprise). The pricing page's structured data lists Starter at $333 and Grow at $833, with no billing period; the last published prices were $440 a month for Grow and $880 for Scale, so confirm before you budget. Upflow takes payments through its optional Payments add-on: $390 a month platform fee, 3.5% + $0.30 per card payment, 0.8% capped at $5 for ACH
- Runs on
- QuickBooks on a one-way sync polled every five minutes, plus NetSuite, Sage Intacct, Xero and Stripe Billing
- Late fees
- no
- The one thing it does best
- receivables analytics, with unlimited seats on every tier so the whole team can read them
Customers named on Upflow's website include Vercel, Lattice and Front.
Best suited for: a finance team that needs to explain receivables to a board, not a business that needs to enforce terms.
The limit: No late fees, and a one-way QuickBooks sync means nothing you do in Upflow writes a charge back to the ledger. Quote-only pricing makes it hard to shortlist without a sales call.
6. ezyCollect, best for ERP distributors
ezyCollect is an Australian collections platform owned by Sidetrade, best for distributors with an ERP in the stack that want credit risk data with follow-up. ezyCollect's last published prices were A$275 a month for ezyStart, with a setup fee from A$900, A$950 for ezyGrow and A$2,350 for ezyScale (Wayback Machine). Current prices are hidden and must be requested.
- Fits
- wholesalers and distributors, AU and NZ led, with a large debtor book
- Entry cost
- ezyCollect's last published prices were A$275 a month for ezyStart, with a setup fee from A$900, on a 12-month plan. Month by month was 20% higher. Current prices are hidden and must be requested
- Runs on
- Xero, MYOB, NetSuite, Dynamics, Sage 300 and Intacct, SAP Business One and Pronto Xi; QuickBooks logo on homepage, no connector page
- Late fees
- no
- The one thing it does best
- credit insights and a referral pipeline into external debt collectors, across the longest integration list on this page
Customers named on ezyCollect's website include Feral Brewing, Hampers with Bite and CW Systems.
Best suited for: a distributor with an ERP in the stack that wants credit scoring and collections referral from the same vendor.
The limit: An annual commitment plus a setup fee is a barrier for a business that wants to try first, there is no fee or interest automation, and the AU and NZ design center shows in the defaults.
7. BILL, best for businesses already on BILL
BILL is an accounts payable platform with receivables bundled in, best for a business already paying bills on BILL, from $49 per user a month: the name most often recommended for this search, and the narrowest receivables feature set of the seven.
- Fits
- businesses already paying bills through BILL, where one login matters more than receivables depth
- Entry cost
- $49 to $89 per user per month, plus payment costs of $0.59 per ACH transfer and 2.9% on cards
- Runs on
- CSV only on the entry tier. A two-way QuickBooks Online sync starts on the tier above
- Late fees
- no
- The one thing it does best
- accounts payable, with receivables attached to it
BILL names KiwiCo, Spikeball and Marine Layer as customers on its website.
Best suited for: a business whose payables live on BILL and whose receivables never need more than a polite nudge.
The limit: three company-wide reminder templates, no native late fees, no statements, no payment plans. Per-user pricing climbs with headcount rather than invoice volume. BILL does offer invoice financing, where an invoice is paid early for a fee, which is a different thing from a payment plan you offer your customer.
How do you choose, by situation?
Choosing accounts receivable software for QuickBooks comes down to two questions: which QuickBooks you run, and whether your problem is visibility or getting your payment terms applied.
| Your situation | What to look at |
|---|---|
| QuickBooks Desktop, any version | AR Collect and Biller Genie are the two tools here that cover it. Confirm what it does about fees before you sign. |
| Under 25 invoices a month on QuickBooks Online | Automated reminders and a monthly statement run cover this. Consider Paidnice when fees and escalation matter later. |
| Real invoice volume, and the overdue list stops shrinking | Fees, statements, plans and escalation in the base product rather than as paid add-ons. |
| Extending credit to accounts you cannot vet | Bureau data on a new account. Paidnice runs native credit checks from payment behavior on every plan; bureau checks need its Custom plan. Chaser sells bureau credit checks in-app; consider Paidnice for the chasing around them. |
| A board or investor asking about receivables monthly | Reporting depth rather than enforcement depth. They are different products. |
What should you check beyond the feature list?
Feature grids for QuickBooks receivables tools look identical because every vendor writes to the same checklist. Five questions separate them in a demo.
- Where does the fee land? Ask the vendor to raise a late fee on the call, then show it in QuickBooks as an invoice against the customer. A dashboard number never reaches a payment run.
- How does it send as you? Some tools relay through one person's mailbox, borrowing that account's daily send limit and putting bounces on the inbox your team uses all day. Authenticating your domain avoids both.
- Is the price on invoices, users or turnover? Per-user pricing grows with headcount and revenue pricing grows with success, while the work a tool does for you is measured in invoices.
- Can rules vary by customer group? A retainer client and a 60-day account should not get the same email on the same day.
- How often does the ledger sync, and which way? A one-way or once-a-day sync means a payment this morning can still draw a reminder this afternoon.
The first question changes the most demos. "We handle late fees" and "we post the fee to your ledger" are two different claims. Ask which one you are being sold, then ask to see the invoice in QuickBooks.
Not sure which one fits?
The decision usually comes down to how much of the process you want automated, and which QuickBooks you run. If neither answer is obvious to you, ask us.
- Book a call and we will look at your overdue list with you, then say which of these is the right fit.
- Start a free Paidnice account to try it against your own QuickBooks ledger. No card, and the first 20 actions are free with no time limit.
Three of the seven above do things Paidnice does not, and we will say so.
Frequently asked questions
Short answers to the questions people ask alongside "best accounts receivable software for QuickBooks".
Can QuickBooks Online automatically chase overdue invoices?
Up to a point. QuickBooks Online sends up to three automatic reminders per invoice, scheduled within a 90-day window either side of the due date. There is no fourth reminder, no SMS and no escalation, so anything past that is manual. Our guide to automatic invoice reminders in QuickBooks Online covers the setup.
Does QuickBooks Online charge late fees automatically?
It can, with two limits. Fees apply only from the day after you switch the setting on, so invoices already overdue are never charged, and automatic fees stop after six months. One rule applies to every customer. See applying finance charges in QuickBooks Online.
How do I offer a payment plan on an overdue invoice in QuickBooks Online?
Not natively. This is a business-to-business installment arrangement, not consumer buy-now-pay-later, and QuickBooks Online cannot split an existing invoice into scheduled installments. A tool that supports plans does it outside the ledger and reconciles the payments back. Our walkthrough of payment plans in QuickBooks Online has the options.
Can I send SMS payment reminders from QuickBooks Online?
No. QuickBooks Online reminders are email only, so SMS needs a tool that sends on its own channel. See SMS payment reminders for QuickBooks.
What is the difference between accounts receivable software and QuickBooks' own reminders?
Reminders are one step. Accounts receivable software runs the rest: reminders past the third, statements on a schedule, fees applied by your terms and posted back to the ledger, payment plans, a payment portal and escalation to a named person. The ledger stays the source of truth.
Does accounts receivable software work with QuickBooks Desktop as well as QuickBooks Online?
Mostly not. Most tools in this category connect to QuickBooks Online only. AR Collect and Biller Genie are the exceptions, supporting QuickBooks Desktop as well.
Is there a free trial?
Paidnice has a free action period rather than a timed trial. Signing up is free, there is no card, and the first 20 actions are free with no time limit. An action is anything Paidnice performs: an email sent, an SMS sent, an escalation created or a late charge generated.
Read the transcript: AR Automation for QuickBooks: What 3 Reminders Miss
Three. That is how many reminders QuickBooks Online will send on one invoice ever. The best accounts receivable automation for a QuickBooks Online small business is Paidnice, the app that picks up at reminder four.
Late charges, statements, payment plans, and a person to escalate to. This video covers four things. Where QuickBooks stops, the four jobs it leaves you, the apps that do them, and how to switch it on safely.
Of those apps, Paidnice is the best option for a QuickBooks Online small business. Five others are worth weighing against it. One setting decides whether any of this touches money you are already owed.
That comes last. QuickBooks Online does chase up to a point. Three automatic email reminders per invoice, timed anywhere in a 90-day window either side of the due date.
Late fees have a second limit. Intuit's own help article says the automatic fee starts calculating the day after you turn the setting on, so nothing already overdue is touched, and new fees stop after 6 months. Intuit also says over 50% of US small businesses rely on credit or loans just to survive unpaid invoices.
QuickBooks is a ledger, not a collections team. The first job after QuickBooks stops is a reminder letter. Three stages that keep running past the third automatic email.
Day zero, a short note from accounts at your domain. Day seven, firmer with a payment link and SMS if the email went quiet. Day 21, the owner's name on it and a deadline.
Business hours, never a weekend, and the same letter for every customer. When a customer replies, paying on the 28th, the letter pauses until then. The second job is a statement on a schedule.
Invoiced, paid, outstanding, and the aging. Sent automatically instead of built manually. Some customers are not late.
They are holding several invoices at once and one statement clears that up. QuickBooks builds the statement. You send everyone manually.
The third job is a late charge calculated automatically and posted straight to the QuickBooks ledger. And this is where a dedicated app earns its keep. Take an invoice of $8,400 45 days past due on terms of 12% a year.
Prorated daily, the interest is $124.27. Add a fixed $40 admin fee and the charge is $164.27. Raise it as an invoice on the ledger in QuickBooks, not as a line in an email, because only a posted invoice reaches your customer's payable system and their next payment run.
That is what makes it Set a grace period so good payers never see it and keep the waive button close. Waving it makes you the reasonable one. The fourth job is a payment plan, splitting a large invoice into scheduled installments QuickBooks Online cannot create on its own.
A customer with a $9,000 invoice they cannot clear in one go will go quiet rather than tell you. Split it into three installments of 3,000, take a card or bank account on file and let Stripe charge it on each date. Nobody chases an installment that is already agreed.
Six apps cover what QuickBooks Online leaves out from payables tools with receivables bolted onto dedicated collections platforms built for different QuickBooks Online businesses. One, Bill. Receivables next to the payables you already run there from $49 per user.
Two, Paidnice. Reminders, statements, late charges on the ledger, payment plans and escalation all on QuickBooks Online. Priced by invoice volume, not revenue, from $69 a month with unlimited users on Pro.
Customers cut their average wait for payment in half within 30 days. Three. Chaser: the deepest chasing feature set, priced by revenue from 199 pounds.
Four. Upflow: receivables analytics and DSO forecasting, quote only. Five.
Kolleno: bank-level cash application for multi-entity teams, from $650 per user. Six. ezyCollect: credit risk screening bundled with collections, aimed at Australia and New Zealand.
The QuickBooks Online setting that matters is this. Native reminders and late fees only ever apply going forward, never to the invoices you already have. When you connect a QuickBooks Online company to Paidnice, the invoices that were already open come with it, so the backlog is in scope from day one.
Start in approval mode, read the queue for a week, then let it run. Four jobs: reminders past the third one, statements on a schedule, late charges on the ledger, payment plans. QuickBooks Online does the first one three times. The full comparison table is on the page
Paidnice features in this article
About the editorial team
Denym started Paidnice in 2022 after customers paying late left his own business short on payroll. He has led it to $1 billion collected on time across more than 1 million invoices, and writes about credit control, late fees and getting paid on Xero and QuickBooks.
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