The best invoice chasing software for Xero depends on whether you need reminders alone or enforcement as well. Xero's own reminders cover a few overdue invoices a month. Past that, pick a tool by what it does after reminder five: Paidnice and Chaser apply late fees and interest, Credit Hound and ezyCollect chase and stop, Satago publishes nothing on fees.
This guide covers chasing: the reminders, texts and letters that follow an unpaid Xero invoice, and what each tool does once the reminders run out.
For the wider comparison covering statements, portals and credit checks, read credit control software for Xero.
Xero's built-in reminders are enough when a few invoices a month go overdue and the same five emails suit every customer. They stop being enough when the overdue list grows or one customer needs different handling.
Xero's invoice reminders give you up to five automatic email stages on one organisation-wide schedule, each a set number of days before or after the due date. Three are on by default, at 7, 14 and 21 days after the due date, sent daily between 4am and 8am in the organisation's time zone, per Xero Central.
Three limits follow from that design.
Xero has no native late fee or interest feature either. The request to add interest to late invoices was posted on the Xero product ideas board on 29 March 2012, has 1,114 votes, and Xero's last reply, on 7 July 2025, stated no committed plans.
Invoice chasing software adds per-customer schedules, SMS and letters beside email, reminders that keep going past stage five, and a record of every send and reply, all synced from the Xero ledger.
None of the four changes what the customer owes, which is where the tools split.
Paidnice and Chaser apply late fees and interest to a Xero invoice. Credit Hound and ezyCollect chase without charging, and Satago publishes nothing on fees. Payment plans exist on Paidnice, Chaser and ezyCollect.
A reminder is a request. A late fee posted to the ledger is a receivable: it enters the customer's accounts payable, their aged creditors and their payment run.
In the UK the entitlement exists already. Statutory interest on a B2B debt is 8% above the Bank of England base rate, 11.75% with the base rate at 3.75%, plus fixed compensation of £40, £70 or £100 per invoice by size, under gov.uk guidance.
In the US the Prompt Payment Act covers government contracts only, so a private B2B rate must sit in your terms before you invoice.
| Tool | Late fees | Interest | Payment plans |
|---|---|---|---|
| Xero built-in | No | No | No |
| Paidnice | Yes per invoice, set per customer group, posted to Xero | Yes per customer balance, Bank of England base rate toggle | Yes Pro plan, autopay through Stripe |
| Chaser | Yes one global rule for every customer | Yes daily percentage or UK base rate, same global rule | Yes chasing follows the invoice due date, not the instalments |
| Satago | Not published | Not published | Not published |
| Credit Hound | No evidence found | No evidence found | No evidence found |
| ezyCollect | No | No | Yes enabled by support |
"Not published" means the vendor documents nothing either way. "No evidence found" means the vendor's own feature lists and help pages were checked and the function is absent.
Apply the fee automatically and waive it deliberately. A customer who pays late every month changes their behaviour when the fee arrives as an approved invoice in their own accounts payable, and a fee you waive with one click and a documented reason costs you nothing in goodwill. Our customers cut their average wait for payment in half within 30 days.
Five invoice chasing tools connect to Xero, from £45 a month in the UK and A$275 in Australia, and they differ most in chasing channels and in whether a late fee is part of the product.
| Tool | Price from | Best for | Chasing channels | Late fees |
|---|---|---|---|---|
| Paidnice | £49 / US$69 a month, by invoice volume | Chasing plus fees, interest and plans in one plan | Email, SMS, escalation to a named person | Yes, per customer group |
| Chaser | £199 a month up to £4m revenue, larger plans past that | Established UK businesses that want credit checks and a collection agency route | Email, SMS, posted letters, automated calls | Yes, one global rule |
| Satago | £45 a month standalone, £25 inside Sage 50 | Credit reports and invoice finance beside chasing | Email; SMS on Premium | Not published |
| Credit Hound | £51 a month, first user on Xero | Dispute and promise-to-pay tracking | Email, reminder letters | No evidence found |
| ezyCollect | A$275 a month plus A$900 setup | Australian mid-market businesses on MYOB or an ERP as well as Xero | Email, SMS, mail, call tasks | No |
Paidnice: invoice chasing for Xero with late fees, interest and payment plans posted to the ledger, best for businesses that want enforcement in the same plan as the reminders, from £49 / US$69 a month.
Email and SMS reminders run per customer group with a grace period you set, and escalation is on Essentials. Two charge types run on the same group: a late fee per invoice and interest on the whole overdue balance, with the Bank of England base rate locked per six-month block or followed as it changes. Fees post to Xero as draft or approved invoices. Creditsafe credit checks: Custom plan only.
Proof: over $1 billion collected across more than 1 million invoices since 2022.
Chaser: one of the oldest names in UK credit control, chasing by email, SMS, posted letters and automated text-to-speech calls with Creditsafe credit checks, priced on annual revenue from £199 a month up to £4m.
Emails go from your own Gmail or Outlook mailbox, escalated debt routes to a partner collection agency, and Chaser Care is its own debtor chasing service. Late fees and interest are one global rule that cannot vary by customer group, and they skip payment plan and part-paid invoices. Plans for firms past £4m are £599 and £899 a month, with a demo before you can buy.
Satago: UK invoice chasing with credit reports and single-invoice finance in the same subscription, best for businesses that want to vet, chase and fund, from £45 a month.
Basic at £45 covers 100 email reminders a month with 25 credit reports; Premium at £80 adds unlimited email and 100 SMS a month. Inside Sage 50 the same product starts at £25. Late fees, interest and payment plans are not described in its public materials.
Credit Hound: automated collection paths with dispute and promise-to-pay tracking for Sage and Xero, best for a credit control team that chases by hand today, from £51 a month for the first user on Xero.
It chases; it does not charge. No late fee, interest or payment plan function appears in the vendor's documentation, there is no QuickBooks Online connector, and each extra user on Xero is £35 a month.
ezyCollect: Australian chasing by email, SMS, mail and call tasks with payment plans and a pay-now portal, best for mid-market businesses where the ledger is MYOB or an ERP as well as Xero, from A$275 a month on an annual contract.
Setup is A$900 and monthly billing adds 20%. Payment plans are enabled by support. No late fee or interest automation appears anywhere in its help centre.
Three questions cover most of what people ask about chasing in Xero: what Xero does on its own, what the apps cost, and which ones add a fee.
Does Xero chase invoices automatically?
Yes, up to five reminder emails on one schedule for the whole Xero organisation, with three on by default at 7, 14 and 21 days after the due date. The reminders are email only, there is no per-customer schedule, and nothing follows the fifth email.
How much does invoice chasing software for Xero cost?
UK entry prices run from £45 to £199 a month. Paidnice starts at £49 / US$69 priced by invoice volume, Satago at £45, Credit Hound at £51 per user and Chaser at £199 priced on annual revenue. ezyCollect starts at A$275 a month plus setup.
Which invoice chasing apps for Xero add late fees?
Paidnice and Chaser. Paidnice sets fees and interest per customer group and posts them to Xero as invoices. Chaser applies one global rule. Satago publishes nothing on fees, and Credit Hound and ezyCollect chase without charging.
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