Read by Denym Bird6 min
Summary
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, and Satago adds optional late fees to its reminder emails.
- Paidnice: Best for Xero businesses that want email and SMS chasing plus late fees, interest and payment plans (on Pro) posted to the ledger, from £49 / US$69 a month, priced by invoice volume.
- Chaser: Best for established UK businesses that want letters, automated calls and credit checks in the chase, from £199 a month up to £4m in annual revenue, larger plans past that.
- Satago: Best for UK businesses that want credit reports and invoice finance beside chasing, from £45 a month standalone or £25 a month inside Sage 50.
- Credit Hound: Best for chase-and-dispute tracking in a Sage or Xero credit control team, from £51 a month for the first user on Xero.
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.
Are Xero's built-in reminders enough for chasing invoices?
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.
- One schedule for the whole Xero organisation. You can switch reminders off for a contact or an invoice, but you cannot give a 60-day account a different sequence from a 14-day one.
- Email only. Xero can send an invoice by SMS as a one-off, but the automatic reminders are email only.
- Nothing after stage five. There is no sixth step, no change of tone, and no action at 60 or 90 days beyond what the five stages already sent.
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.
Free: Payment reminder email templatesCopy the reminder emails for before, on and after the due date.What does invoice chasing software add to Xero?
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.
- Different rules for different customers. Retainer clients and 60-day accounts get their own sequence.
- More channels, sent under your own name. SMS on every tool below, letters and automated calls on some, with replies landing with the person who chases.
- Escalation to a named person at 21 or 30 days, with the send history in front of them.
- Write-back. A payment in Xero this morning stops this afternoon's reminder.
None of the four changes what the customer owes, which is where the tools split.
Choose software that sends the later reminders too. 45% of overdue invoices get paid within 7 days of a first reminder, and 26% with no reminder. For a second reminder it is 39% and 26%, and for the 3rd to 8th it is 28% to 33% and 21% to 26%.
Chasing vs enforcement: which tools apply fees and interest?
Paidnice and Chaser apply late fees and interest to a Xero invoice. Credit Hound and ezyCollect chase without charging, and Satago adds optional late fees to its reminder emails. Payment plans exist on Paidnice (on Pro), 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% for debts overdue by 31 December 2026 (from the 3.75% base rate on 30 June; the base rate rose to 4% on 5 November 2026), 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 set of late-fee rules, across the account or for selected debtors | Yes daily percentage or UK base rate, same set of rules | Yes chasing follows the invoice due date, not the instalments |
| Satago | Yes optional, added to reminder emails | 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 see half as many late invoices in the first 30 days.
How we ranked these invoice chasing apps for Xero
We scored the five apps on four criteria. Each matches a column of the comparison table below, and the weights add up to 100%.
- Late fees, interest and payment plans (30%): each vendor's help docs, covering the "Late fees" column and the enforcement table above it: whether the app applies the charge itself, per customer group or by one global rule.
- Chasing channels (25%): each vendor's help docs and product pages, covering the "Chasing channels" column: email, SMS, letters, calls and escalation to a person. We count shipped features only.
- Price (25%): each vendor's own pricing page, covering the "Price from" column. Prices a vendor does not publish are given as last reported.
- Fit (20%): each vendor's plan pages, covering the "Best for" column: the business size and situation the plans are built for.
Best invoice chasing software for Xero compared
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 and interest in one plan, payment plans on Pro | Email, SMS, in-app calls, 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 bureau credit checks and a collection agency route | Email, SMS, posted letters, automated calls | Yes, one set of rules, not tied to schedules |
| Satago | £45 a month standalone, £25 inside Sage 50 | Credit reports and invoice finance beside chasing | Email; SMS on Premium | Yes, optional, added to reminder emails |
| 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, setup from A$900 (last published, Wayback Machine; current prices hidden, must be requested) | Australian mid-market businesses on MYOB or an ERP as well as Xero | Email, SMS, mail, call tasks | No |
1. Paidnice, best for chasing with late fees
Paidnice: invoice chasing for Xero with late fees and interest posted to the ledger and payment plans on Pro, 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. Native credit checks from payment behaviour on every plan; Creditsafe bureau checks on the Custom plan only.
Proof: $1 billion collected on time across more than 1 million invoices since 2022.
Best suited for: businesses that want enforcement in the same plan as the reminders.
The limit: Creditsafe bureau checks are on the Custom plan only; native credit checks from payment behaviour run on every plan.
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. Chaser, best for UK bureau credit checks
Chaser was incorporated in 2013 (Companies House) and chases 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. Above £4m a team is on Core from £599, and Complete is £899 a month. Chaser offers a free trial or a conversation with an expert; no minimum term, 10% off yearly billing.
Customers named on Chaser's website include Pact Coffee, Gipsy Hill Brewery and The New Statesman.
Best suited for: established UK businesses that want bureau credit checks.
The limit: Late fees and interest follow one set of rules, across the account or for selected debtors, with no documented way to run different rules per group, and they skip payment plan and part-paid invoices.
3. Satago, best for invoice finance beside chasing
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.
Best suited for: businesses that want to vet, chase and fund.
The limit: Late fees are optional and added to reminder emails; interest and payment plans are not described in its public materials.
4. Credit Hound, best for dispute tracking
Credit Hound: automated collection paths with dispute and promise-to-pay tracking for Sage and Xero, best for a credit control team that chases manually today, from £51 a month for the first user on Xero.
It chases; it does not charge.
Best suited for: a credit control team that chases manually today.
The limit: 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.
5. ezyCollect, best for AU businesses on MYOB
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, last published from A$275 a month on a 12-month plan; current prices are hidden and must be requested.
Setup was last published from A$900 and monthly billing 20% higher. Payment plans are enabled by support.
Customers named on ezyCollect's website include Feral Brewing, Hampers with Bite and CW Systems.
Best suited for: mid-market businesses where the ledger is MYOB or an ERP as well as Xero.
The limit: No late fee or interest automation appears anywhere in its help centre.
- Start a free Paidnice account and run it against your own Xero organisation. No card, and the first 20 actions are free.
- Book a call and we will go through your overdue list and set up the first chasing sequence with you.
Frequently asked questions
These 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's last published prices were A$275 a month for ezyStart, with a setup fee from A$900. Current prices are hidden and must be requested.
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 set of late-fee rules across the account or for selected debtors. Satago adds optional late fees to its reminder emails, and Credit Hound and ezyCollect chase without charging.
Which invoice chasing apps for Xero send SMS reminders?
Paidnice, Chaser and ezyCollect send SMS reminders, and Satago adds SMS on its Premium tier. Credit Hound chases by email and reminder letters.
Which invoice chasing apps for Xero also work with QuickBooks Online?
Paidnice, Chaser and Satago also connect to QuickBooks. ezyCollect shows a QuickBooks logo on its homepage but has no connector page. Credit Hound has no QuickBooks Online connector.
Can invoice chasing software escalate an invoice to a person?
Yes. Paidnice escalates to a named person on Essentials, Chaser routes escalated debt to a partner collection agency, and ezyCollect creates call tasks for your team. In Paidnice, your team calls the customer from the app, and the call is recorded and transcribed.
Read the transcript: Best invoice chasing software for Xero, compared
Xero sends five reminder emails and then stops. It has never charged a late fee. If you want the chasing to carry on or a fee added to the invoice, you need an app.
Paidnice is the best option because it does both in one plan. The other apps come after. First, are Xero's own reminders enough?
Second, what chasing software adds? Third, the difference between a reminder and a late fee. Fourth, the apps for Xero with Paidnice first.
Fifth, how to choose. Chapter one. Xero's own reminders are enough if only a few invoices go overdue each month, and every customer can get the same five emails. Xero gives you up to five email stages on one schedule.
Three are on by default in the first three weeks after the due date. Every customer gets the same schedule by email only. And after the fifth message, nothing happens.
Chapter two. Chasing software lets you set a different schedule for each customer and send text messages as well as email. It also keeps chasing after Xero stops.
At day 21 or day 30, it can hand the invoice to a named person. If a customer pays in Xero this morning, this afternoon's reminder is cancelled. None of this changes what the customer owes.
Chapter 3. A reminder asks the customer to pay, but a late fee posted in Xero adds to what they owe and goes into their next payment run. In the UK, you can charge interest on a late invoice at 8% above the Bank of England base rate.
At a 3.75% base rate, that is 11.75%. You can also add compensation of 40 to 100 per invoice. Take a £2,400 invoice 14 days overdue.
Chasing only means five emails and the same balance. Chasing with a late fee means a new invoice in Xero with £70 compensation plus interest. Xero has no late fee or interest feature of its own.
Someone asked for one on Xero's product ideas board in March 2012. It has 1,114 votes. Xero's last reply in July 2025 said there are no plans, so the fee has to come from an app.
A payment plan splits an overdue invoice into installments charged to a card on file. Miss one and the invoice is overdue again. The same invoice becomes four payments of £600 charged through Stripe on each date.
If a payment fails, the reminders, fees, and interest start again from that day. Chapter 4. Paidnice is the best app for Xero when you want the chasing and the late fee in the same plan.
Email and text reminders run per customer group with a grace period you set. Essentials can hand invoice to a named person. It adds a late fee per invoice and interest on the balance and posts both to Xero.
Payment plans are on pro. Prices are £49 a month and rise with your invoice volume. Customers halve the time they wait to be paid within 30 days.
Chaser chases by email, text, and post and runs credit checks. Its late fee is one rule for everyone. It costs £199 a month.
Satago adds credit reports and invoice finance from £45 a month. Late fees are not published. Credit Hound tracks disputes and promises to pay.
It chases but never charges. The first user is £51 a month. ezyCollect is Australian and chases by email, text, and post.
It does not automate fees. It costs $275 Australian a month plus setup. Chapter 5. Choose by what you want to happen after the fifth reminder.
A fee on the invoice, a credit check, or more chasing. If a few invoices go overdue and one sequence fits everyone, stay on Xero's reminders. For the fee, the interest, and the plan in Xero, choose Paidnice.
If letters and credit checks matter more than fees, look at the tool priced by revenue. If you track disputes and chase manually, the chase-only tools will do. Xero sends five emails and stops.
What happens next is your choice. You can add a tool that keeps reminding or one that puts the fee, the interest, and the plan in Xero next to the The full comparison is in the article on the Paidnice blog.
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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