---
title: "Best credit control software for accountants"
description: "Best credit control software for accountants: Paidnice, Chaser, Satago, Credit Hound and more, compared by own fees or client ledgers, ledger and revenue."
url: https://www.paidnice.com/blog/credit-control-software-accountants
---

# Best credit control software for accountants

Written by

Denym Bird
Personally tested

Co-founder & CEO of Paidnice

Denym priced seven credit control apps for accounting practices, separating tools that chase the practice's own fees from those that chase client ledgers, with attention to per-user pricing and contract terms.

Reviewed by Ashley Schroder

Co-founder of Paidnice

Updated Nov 6, 2026 · 18 min

Listen to this article, read by Denym

Read by Denym Bird13 min

0:0012:36

## Summary

The best credit control software for accountants depends on whether the practice is chasing its own fees or running credit control for clients, and on the ledger. On Xero or QuickBooks Online, Paidnice covers reminders, statements, late charges, payment plans and native credit checks; on Sage 50 or Sage 200, Credit Hound; for bureau credit reports with invoice finance, Satago; for larger firms, Chaser.

- **Paidnice:** Best for Xero and QuickBooks Online practices running their own fees and their clients' ledgers, from £49 a month plus £19 for each extra client entity.
- **Chaser:** Best for larger firms that want Creditsafe credit checks beside the chasing, from £199 a month on plans priced by annual revenue.
- **Satago:** Best for UK practices that want credit reports and invoice finance with the chasing, from £45 a month (£25 inside Sage 50).
- **Credit Hound:** Best for practices with clients on Sage 50 or Sage 200, from $25 a user a month.

For the category as a whole, see [Paidnice credit control software](https://www.paidnice.com/credit-control-software). For the Xero-only tools, see [credit control software for Xero](https://www.paidnice.com/blog/credit-control-software-xero). The Paidnice page for practices is [credit control software for accountants and bookkeepers](https://www.paidnice.com/industries/accounting-firms).

## What is the best credit control software for accountants?

**The best credit control software for accountants depends on two things: whether the practice is chasing its own fees or running credit control for clients, and which ledger those invoices sit on.**

- **Xero or QuickBooks Online.** Paidnice runs reminders, statements, late charges and payment plans on the practice's own fees and on each client's ledger, from £49 a month plus £19 for each extra client entity.
- **Larger firms.** Chaser, founded in 2014, is priced on annual revenue from £199 a month and adds Creditsafe credit checks.
- **Bureau credit reports and finance.** Satago suits UK practices that want credit reports and invoice finance beside the chasing, from £45 a month (£25 inside Sage 50).
- **Sage.** Credit Hound suits practices with clients on Sage 50 or Sage 200, priced per user from $25 a month, and chases without raising late charges.
- **Phone work.** CreditorWatch Collect bundles a human calling team for practices in Australia and New Zealand.

For the category as a whole, see [the product page for practices](https://www.paidnice.com/credit-control-software). For the Xero-only tools, see [credit control software for Xero](https://www.paidnice.com/blog/credit-control-software-xero).

Free: Payment reminder email templatesCopy the reminder emails for before, on and after the due date.

## What does an accounting practice need from credit control software?

**An accounting practice needs four things from credit control software: reminders on a schedule from its own address, monthly statements for retainer clients, late charges under the engagement letter, and payment plans that split a fee into instalments.**

Xero holds one reminder schedule per organisation, and QuickBooks Online runs one automatic reminder schedule, so different rules per client or per fee type need a tool on top.

An engagement letter states payment terms and usually an interest clause, so the invoices, statements, reminders and charges that follow it should run on their own.

Retainer clients belong on direct debit, which takes them out of the chasing queue, so reminders and charges cover one-off fees. IT firms billing monthly retainers can read [credit control software for MSPs](https://www.paidnice.com/blog/best-credit-control-software-for-msps).

### Reminders

Paidnice sends a practice's reminders from accounts@ rather than the partner (sending from your own domain starts on Pro), by [email and SMS](https://www.paidnice.com/email-sms-reminders), on the days the engagement letter sets, with UK SMS at 5p a message.

In Paidnice, a contact group decides which reminder schedule a client is on, so one-off fee clients get the full schedule and retainer clients get none.

A partner often softens or skips a reminder to a client they advise. Sending from accounts@ on a fixed schedule takes that decision out of the partner's hands.

In Paidnice, when a client gives an expected payment date, chasing on that fee pauses until the date, then resumes if the fee is still unpaid.

### Statements

Paidnice sends retainer and direct-debit clients a [statement](https://www.paidnice.com/automated-customer-statements) instead of reminders, weekly or monthly on the days the practice chooses, showing every fee, every payment and the aged debtors balance.

A missed collection then surfaces on the statement rather than in a phone call three months later. In Paidnice, a parent customer's statement consolidates the invoices of its child entities on Xero and QuickBooks Online.

Xero cannot schedule statements: the request on its ideas board has 1,178 votes.

### Late charges

A late charge enforces the interest clause in the engagement letter. In the UK the statutory route gives base rate plus 8% and a fixed sum per invoice under the [Late Payment of Commercial Debts (Interest) Act 1998 rate order](https://www.legislation.gov.uk/uksi/1998/2765/made).

The [Bank of England](https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate) base rate of 3.75% on 30 June 2026 sets a statutory rate of 11.75% for the half-year from 1 July 2026. The base rate rose to 4% on 5 November 2026, which gives 12% for invoices that fall overdue from 1 January 2027 if it is still 4% on 31 December.

A £3,500 fee 45 days late carries £120.70: £50.70 of interest at 11.75% plus the £70 fixed sum.

Xero has no native interest on late invoices: the [request on its ideas board](https://productideas.xero.com/forums/967115-invoices-quotes/suggestions/44960305-sales-invoices-add-interest-to-late-invoices-in), posted on 29 March 2012, has 1,118 votes.

Paidnice raises the late charge on the Xero or QuickBooks Online ledger as a [Draft or Approved invoice](https://www.paidnice.com/late-fees) after a grace period, and a partner can waive or credit it. In Australia, New Zealand and the United States the clause in the engagement letter sets the rate.

### Payment plans

Paidnice payment plans, on the Pro plan, split an annual or one-off fee into weekly, fortnightly, monthly or quarterly instalments, with a card or bank account charged on each date through Stripe.

Paidnice moves the invoice due date to each instalment in turn, so a missed instalment makes the fee overdue again and the client's normal reminders and late charges apply. Plans run on Xero and QuickBooks Online.

## Which credit control apps cover the four things a practice needs?

**Paidnice and Chaser are the two credit control apps here that cover all four things a practice needs: reminders, statements, late charges and payment plans.** Credit Hound, Kolleno and ezyCollect chase without late charges, Statey sends statements only, and Satago publishes the least.

| Software | Best for | Size fit | Ledger | Reminders | Statements | Late charges | Payment plans | Price from |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Paidnice | Fees, statements, reminders and plans per client from one login | Any size up to $50m a year, or 50,000 invoices a year | Xero, QuickBooks Online | Email, SMS, per group | Monthly, consolidated | Per group, invoice fee and statement interest, on the ledger | Instalments with auto-charge through Stripe (Pro plan) | £49 a month |
| Chaser | Creditsafe credit checks beside the chasing | Compact under £4m, Core from £4m, Complete to £100m | Xero, QuickBooks Online, Sage, NetSuite | Email, SMS, letters | Monthly, fixed day | One set of rules, not tied to schedules | Per-invoice instalments; chasing follows the invoice date | £199 a month |
| Satago | Credit reports and invoice finance with chasing | UK practices, 10 to 200 customers on the entry plan | Xero, Sage, QuickBooks Online | Email | Monthly | Optional, added to reminder emails | Not published | £45 a month (£25 inside Sage 50) |
| Credit Hound | Clients on Sage | Per user, no revenue gate | Sage 50, Sage 200, Sage Intacct, Xero | Email, disputes, promises to pay | No evidence found | No evidence found | No evidence found | $25 a user a month |
| Kolleno | Cash application for larger clients | Turnover bands from under £1M, per user | Xero, QuickBooks Online, NetSuite, Intacct | Email, SMS, calls, AI agent | Portal | None | Auto-charge instalments | $650 per user a month |
| ezyCollect | Clients on MYOB or an ERP | AU and NZ mid-market, annual contract | Xero, MYOB, NetSuite; QuickBooks logo on homepage, no connector page | Email, SMS, mail, calls | Monthly | None | Instalments, paid add-on | A$275 a month for ezyStart plus setup from A$900 (last published; current prices hidden and must be requested) |
| CreditorWatch Collect | A calling team behind the software | AU and NZ practices and their clients | Xero, MYOB, QuickBooks Online | Email, SMS, calls, outsourced AR team | Statement reminders | None | Recurring payments via portal | Quote |
| Statey | Scheduled Xero statements and nothing else | Per Xero organisation | Xero | None | Weekly or monthly, age analysis | None | None | $10 a month per organisation |
| Xero or QuickBooks Online built-in | One schedule for every client | Included with the ledger | Xero, QuickBooks Online | Email, one schedule | No automatic schedule in Xero | None in Xero; QuickBooks Online in the US only | None | Included |

Prices from each vendor's own pricing page; verify before you buy. US dollars where the vendor publishes them; Paidnice and Chaser prices in pounds.

## How we ranked these credit control apps for accountants

We scored the seven apps on five criteria. Each covers one or more columns of the comparison table above, and the weights add up to 100%. Statey and the built-in Xero and QuickBooks Online reminders are shown in the table for reference and are not scored.

- **Late charges (25%):** each vendor's help docs, covering the "Late charges" column: whether the app applies the charge itself and posts it to the ledger.
- **Ledger and size fit (25%):** each vendor's integration pages and plan limits, covering the "Size fit" and "Ledger" columns.
- **Reminders and statements (20%):** each vendor's help docs and product pages, covering the "Reminders" and "Statements" columns. We count shipped features only.
- **Price (15%):** each vendor's own pricing page, covering the "Price from" column. Prices a vendor does not publish are given as last reported, with a note that current prices are hidden.
- **Payment plans (15%):** each vendor's help docs, covering the "Payment plans" column.

Every entry, Paidnice included, lists its limit. The weights are our editorial judgment.

## 1. Paidnice, best for client credit control

Paidnice is credit control software for accounting practices on Xero and QuickBooks Online: reminders, statements, late fees and payment plans per client, run from one login, from £49 a month plus £19 for each extra client entity. Payment plans and sending from your own domain start on Pro.

![Paidnice homepage](https://www.paidnice.com/images/blog/shots/paidnice-home.webp)
FitsPaidnice fits practices and clients of any size up to $50m a year, or 50,000 invoices a year, on Xero or QuickBooks Online, priced by invoice volume, not revenueEntry costPaidnice costs £49 ($69) a month for 150 invoices, Pro from £74 ($99). No per-seat fees, unlimited users on Pro, and accounting partners get a partner discountRatedPaidnice is rated 5/5 from 84 Xero App Store reviews; 4.9/5 on CapterraAwardsPaidnice won Xero Global Small Business App of the Year 2025 and NZ Small Business App of the Year 2026 🏆Statutory late feesPaidnice raises flat, percentage or compounding fees, set per customer group, with the UK rate auto-indexed to the Bank of England base rateThe one thing it does bestPaidnice runs the whole receivables process in one product: own-domain reminders on Pro, scheduled statements, fees, payment plans, a portal and escalation, with one login across every client organisation

Paidnice connects to Xero and QuickBooks Online on every plan. Newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo are available on every plan through Paidnice's closed testing programme. MYOB, Sage Intacct, Sage Accounting, NetSuite and other ERPs connect on the Custom plan. Paidnice does not connect to Sage 50 or Sage 200.

**Best suited for:** practices and clients of any size up to $50m a year, or 50,000 invoices a year, on Xero or QuickBooks Online.

**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.

## 2. Chaser, best for larger practices

Chaser is credit control software with Creditsafe credit checks, best for larger practices and their larger clients, from £199 a month on plans priced by annual revenue.

![Chaser homepage](https://www.paidnice.com/images/blog/shots/chaser-home.webp)
FitsChaser fits businesses under £4m turnover on Compact, under £10m on Core and up to £100m on Complete, priced on company revenue rather than invoice volume, with a free trial (10 days on the Xero listing) or a conversation with an expertEntry costChaser costs £199 a month for Compact, £599 for Core and £899 for CompleteRatedChaser is rated 4.98/5 from 374 Xero App Store reviewsRuns onChaser runs on Xero, QuickBooks Online, Sage 50, 200 and Intacct, NetSuite, Dynamics 365, SAPStatutory late feesChaser offers four calculation types including a UK base rate option, with one set of late-fee rules across the account or for selected debtors, not tied to schedules; no fees on payment-plan invoices; Chaser's help says a late fee cannot be added or updated after a part payment when written to XeroThe one thing it does bestChaser does one thing best: credit checking and monitoring through Creditsafe, sold as metered credits on any plan beside chasing by email, SMS, posted letters and automated calls; credit checks need Chaser billing, not Xero App Store billing, and monitoring is not offered in Australia

Chaser was founded in 2014 and has an accountant partner channel and a white-label option. Its larger plans are aimed at firms at £4m and more.

Customers named on Chaser's website include TaxAssist, Pact Coffee and The New Statesman. Chaser's case study with TaxAssist reports £20k of clients' debts paid in 30 minutes.

**Best suited for:** larger practices and their larger clients.

**The limit:** Chaser has one set of late-fee rules, across the account or for selected debtors and not tied to schedules, with no documented way to run different rules per group. Chaser statements go monthly on a fixed day, and its payment plan chasing follows the invoice due date rather than the instalment dates.

## 3. Satago, best for credit reports and finance

Satago is UK credit control and invoice finance in one subscription, best for UK practices that want credit reports and invoice finance with the chasing, from £45 a month (£25 inside Sage 50).

![Satago homepage](https://www.paidnice.com/images/blog/shots/satago-home.webp)
FitsSatago fits UK practices, gated by customer count rather than revenue: 10 to 200 customers and 3 users on Small PracticeEntry costSatago charges £45 a month for Basic, £80 for Premium and £200 for Platinum on its pricing page; its practice plans were last seen on that page at £50 on Small Practice, £80 on Mid-size Practice and £200 on Enterprise Practice. Its single-business plans are Basic £45 standalone, or Standard £25 inside Sage 50. All published in GBPRatedSatago is rated 4.93/5 from 92 Xero App Store reviews in the UKRuns onSatago runs on Xero, Sage, Sage 50, QuickBooks Online, KashFlow, FreeAgentStatutory late feesSatago's late fees are optional, calculated in line with statutory limits and added to payment reminders once overdueThe one thing it does bestSatago pairs credit reports and suggested limits alongside chasing, plus finance against single invoices when a client's cash is tight

**Best suited for:** UK practices, gated by customer count rather than revenue: 10 to 200 customers and 3 users on Small Practice.

**The limit:** Roughly half of Satago's product serves the lending side, so a practice that only wants chasing pays for finance its clients may never use. Satago adds optional late fees to reminders and publishes no payment plans.

## 4. Credit Hound, best for clients on Sage

Credit Hound is Draycir's collections add-on for the Sage channel, best for practices whose clients run Sage 50 or Sage 200, priced per user from $25 a month.

![Credit Hound homepage showing the headline Improve cash flow with an automated credit control software, Credit Hound Cloud, beside a demo request form](https://www.paidnice.com/images/blog/competitors/credit-hound-home.webp)
FitsCredit Hound is priced per user with no revenue gate, sold through about 500 Sage resellersEntry costCredit Hound costs $25 to $454 a month for the first user, depending on the ledger (£51 on Sage 50, £82 on Sage 200), with a free trial and no cardRatedCredit Hound is rated 5.0 from 12 reviews on the Sage UK Marketplace; no Xero App Store listing foundRuns onCredit Hound runs on Sage Accounting, Sage 50, Sage 200, Sage Intacct and Xero; no QuickBooks Online connector foundStatutory late feesCredit Hound shows no late fee feature in vendor documentationThe one thing it does bestCredit Hound does structured dispute management and promise-to-pay tracking with a promised cash view

**Best suited for:** practices whose clients run Sage 50 or Sage 200.

**The limit:** Credit Hound chases and does not charge: no late fee, interest or payment plan appears in vendor documentation, and the PayThem payment module is priced separately.

## 5. Kolleno, best for cash application

Kolleno is an AI order-to-cash platform, best for a practice's larger clients that need cash application and reconciliation beside the chasing, from $650 per user a month; auto-reconciliation is on Enterprise only, by quote.

![Kolleno homepage](https://www.paidnice.com/images/blog/shots/kolleno-home.webp)
FitsKolleno fits businesses of any size, priced per user, with plans set by turnover band (under £1M up to above £1Bn)Entry costKolleno costs $650 per user a month, $545 on annual billing, rising to $1,245 per user. BusinessPay at $650 per user a month does not include auto-reconciliation, which is on Enterprise only, by quoteRatedKolleno is rated 4.9/5 from 117 G2 reviews; 5/5 from 18 on the Xero App StoreStatutory late feesKolleno shows no late fee feature in vendor documentationThe one thing it does bestKolleno does cash application best: bank file formats, remittance parsing and multi-currency reconciliation, with AI drafts and AI agent support from Business Plus

Customers named on Kolleno's website include Wise, Marshmallow and Laundryheap.

**Best suited for:** a practice's larger clients that need cash application and reconciliation beside the chasing.

**The limit:** Kolleno's per-user pricing punishes the setup a practice wants, which is several named senders escalating an invoice as it ages across many client ledgers.

## 6. ezyCollect, best for clients on MYOB

ezyCollect is AU and NZ receivables automation, now part of Sidetrade, best for accountants whose wholesale and distribution clients run MYOB or an ERP, with last published prices of A$275 a month for ezyStart and a setup fee from A$900 (Wayback Machine). Current prices are hidden and must be requested.

![ezyCollect homepage showing the headline Businesses with ezyCollect by Sidetrade get paid faster](https://www.paidnice.com/images/blog/competitors/ezycollect-home.webp)
FitsezyCollect fits Australian and New Zealand wholesalers, distributors and their accountants, on an annual contractEntry costezyCollect's last published prices were A$275 a month for ezyStart, with a setup fee from A$900, billed annually, with monthly billing 20 per cent more (Wayback Machine). Current prices are hidden and must be requestedRatedezyCollect is rated 4.9/5 from 35 Xero App Store reviews in Australia; 4.7/5 from 25 on G2Runs onezyCollect runs on Xero, MYOB, NetSuite, Dynamics, Sage and other ERPs; QuickBooks logo on homepage, no connector pageStatutory late feesezyCollect shows no late fee feature in vendor documentation, only card surchargingThe one thing it does bestezyCollect combines debtor risk scoring, monthly statements and pay-now links with direct debit auto-collect

Customers named on ezyCollect's website include Feral Brewing, Hampers with Bite and CW Systems.

**Best suited for:** accountants whose wholesale and distribution clients run MYOB or an ERP.

**The limit:** ezyCollect's annual commitment plus a setup fee is a real barrier for a practice that wants to trial the tool on one client first.

## 7. CreditorWatch Collect, best for debtor calling

CreditorWatch Collect is receivables automation plus a paid calling add-on (Call Assist, from A$195 a month), best for AU and NZ practices whose clients want the phoning done for them, with a partner programme for bookkeepers and accountants. Software pricing: CreditorWatch Collect's last published listing price was from A$175 a month. Current prices are hidden and must be requested.

![CreditorWatch homepage showing the headline Protect your business from bad debt beside a map of Australia](https://www.paidnice.com/images/blog/competitors/creditorwatch-collect-home.webp)
FitsCreditorWatch Collect fits Australian and New Zealand practices, with a partner programme for bookkeepers and accountantsEntry costCreditorWatch Collect publishes no tiers; a free trial covers up to 50 debtors, then an account manager quotesRatedCreditorWatch Collect is rated 4.9/5 from 91 Xero App Store reviewsRuns onCreditorWatch Collect runs on Xero on a 24-hour sync, MYOB, QuickBooks Online, plus ZapierStatutory late feesCreditorWatch Collect has none; nothing on its features page, help centre or FAQThe one thing it does bestCreditorWatch Collect adds the human layer: Call Assist, a paid add-on (A$195 to A$795 a month, with call limits) where local AR specialists call debtors, and one-click escalation to debt collection

**Best suited for:** AU and NZ practices whose clients want the phoning done for them.

**The limit:** CreditorWatch Collect has no late fees or interest, and its Xero sync runs once a day. CreditorWatch Collect had a last published listing price from A$175 a month and now hides its prices, so a practice has to request a quote before it can cost a rollout across clients.

For monthly prices across the category see [credit control software pricing](https://www.paidnice.com/blog/credit-control-software-pricing), and for team features see [credit control software for a finance team](https://www.paidnice.com/blog/credit-control-software-finance-teams).

## Which credit control software suits which practice?

**The right credit control software for a practice follows three questions: whose invoices it chases, which ledger they sit on, and the annual revenue of the business being chased.**

- **Own fees only.** A practice chasing its own fees needs reminders per client group, statements for retainer clients and late charges.
- **Clients' ledgers.** Running credit control for clients needs one login across client organisations, sending from each client's domain, and pricing that holds across many small ledgers.
- **Ledger.** Xero or QuickBooks Online: Paidnice, Chaser, Kolleno. Sage: Credit Hound, Satago, Chaser. MYOB or an ERP: ezyCollect, CreditorWatch Collect.
- **Outsourced.** Clients who want people on the phone can add an outsourced credit control service on top of the software.

| Annual revenue of the business being chased | Shortlist | Gate each vendor publishes |
| --- | --- | --- |
| Up to £4m | Paidnice, Satago, Credit Hound, Chaser Compact, Kolleno; Statey for statements only | Paidnice: any size up to $50m a year, priced by invoice volume, not revenue. Satago: 10 to 200 customers, a customer count. Credit Hound: per user. Chaser Compact: under £4m. Kolleno: BusinessPay under £1M, then Business Plus, per user. |
| £4m to £10m | Paidnice, Chaser Core, Kolleno | Chaser Core: under £10m. Kolleno Business Plus: £1M to £100M, per user. |
| Past £10m | Paidnice up to $50m, Chaser Complete, Kolleno, ezyCollect in AU and NZ | Chaser Complete: up to £100m. ezyCollect: annual contract, no revenue gate. |

## What should a practice check before buying credit control software?

**A practice should check six things before buying credit control software: multi-client access, the sending address, payment links, late-fee rules per client, the audit trail and the pricing basis.**

- **Multi-client access.** One login should switch between client organisations. Per-user pricing, such as Kolleno at $650 a user, multiplies with every named sender.
- **Sending address.** Reminders should leave from the practice's or the client's own domain. Paidnice verifies a domain once on the Pro plan; Satago needs a higher plan for your own inbox.
- **Payment links.** Every reminder and statement should carry a pay-now link for card and bank debit.
- **Late-fee rules per client.** Chaser has one set of late-fee rules, not tied to schedules, with no documented way to run different rules per group; Paidnice sets fees per customer group, so the practice's own terms and each client's terms can differ.
- **Audit trail.** Every email, its sender and any waived fee should be on record. Paidnice shows the send history and puts an approval step on every action.
- **Pricing basis.** Check whether the price is per client entity, per user or per revenue band, then multiply by the client count.
- **Price history.** Ask when the vendor last raised prices. Chaser prices by revenue band.

Paidnice rollout arithmetic: Essentials is £49 a month and each additional entity is £19 a month on top, so twenty client entities cost £49 plus 19 at £19, or £410 a month, before the partner discount. Practices weighing more tools can see [credit control tools compared by business size](https://www.paidnice.com/blog/credit-control-software-compared).

## How does Paidnice run credit control for clients from the practice?

**Paidnice connects each client's Xero or QuickBooks Online ledger as its own entity, and the practice team runs all of them from one login with no per-seat fee.**

Each client's Xero organisation or QuickBooks Online company connects separately, and Paidnice picks up the invoices already open at connection.

- **Sent from the client.** On the Paidnice Pro plan the client's domain is verified once, then any address on it can send: accounts@theclient.com on the due date, the client's owner at 21 days. The practice's staff appear nowhere in the email.
- **One login, every client.** The practice team switches between client organisations from one Paidnice login. Essentials includes 2 users and Pro includes unlimited users, and every action has an approval step.
- **Priced per entity.** Paidnice Essentials at £49 a month covers 150 invoices and 600 emails, Pro starts at £74, and each additional client entity is £19 a month. Plans are month to month, and sign-up is free with no credit card.

The Paidnice [partner programme](https://www.paidnice.com/partner-program) gives practices a discount on subscriptions, quarterly commissions, a place in the partner directory and priority support.

## Frequently asked questions

**Accounting practices most often ask what credit control means, whether interest can be charged on fees, whether each client needs a subscription, when to outsource, and which ledgers each tool covers.**

### What is credit control in accounting?

Credit control is the process of making sure customers pay invoices on time: setting payment terms, sending reminders and statements, applying interest or late fees where the terms allow, and escalating accounts that do not respond. In a practice it applies twice, to the practice's own fees and to the client ledgers the practice looks after.

### Can an accounting firm charge interest on unpaid fees?

In the UK, yes. The Late Payment of Commercial Debts (Interest) Act 1998 gives a business-to-business supplier the right to base rate plus 8% and a fixed sum per invoice, and an engagement letter clause makes the term explicit. In Australia, New Zealand and the United States the right comes from the contract.

### Does a practice need a separate subscription for each client?

No. Paidnice charges a base plan from £49 a month and adds each further client entity at £19 a month, the same [multi-entity add-on](https://www.paidnice.com/blog/credit-control-multiple-companies-xero) a group uses for its own Xero companies. The partner discount applies on top.

### Should a practice outsource credit control or use software?

Software runs reminders, statements, charges and plans for every client at a fixed monthly price. An outsourced credit control service adds people who phone debtors, on top of the software.

### Which credit control software works with both Xero and QuickBooks Online?

Paidnice, Chaser, Satago, Kolleno and CreditorWatch Collect connect to both. ezyCollect shows a QuickBooks logo on its homepage but no connector page. Credit Hound connects to Sage and Xero, and Statey is Xero only.

### Which credit control software suits a practice with clients on MYOB?

ezyCollect and CreditorWatch Collect both connect to MYOB. Paidnice supports Xero and QuickBooks Online natively, and MYOB is a Custom-plan conversation.

### Can a practice send scheduled statements for every client?

Yes, with a tool. Paidnice sends monthly and consolidated statements per customer group, and Statey sends weekly or monthly statements in Xero. Xero and QuickBooks Online on their own have no automatic statement schedule.

## Paidnice features in this article

- [**Email and SMS reminders** Sends reminders by email and SMS on your schedule, each with a link to pay.](https://www.paidnice.com/email-sms-reminders)
- [**Customer statements** Sends branded customer statements on your schedule, with one button to pay.](https://www.paidnice.com/automated-customer-statements)
- [**Late fees and interest** Adds late fees and interest to overdue invoices when you turn them on.](https://www.paidnice.com/late-fees)

## About the editorial team

Written by Denym Bird Co-founder & CEO of Paidnice

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.

Reviewed by Ashley Schroder Co-founder of Paidnice

Ashley is a co-founder and lead developer of Paidnice and has built accounting software for more than 10 years. He builds the ledger connections that put reminders, late fees and payments into Xero, QuickBooks and ERPs such as NetSuite and Business Central. Before Paidnice he co-founded A2X, ecommerce accounting software for Xero and QuickBooks.

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