Summary
Most cloud ERPs are strong ledgers with basic collections. Seven of the eight here send a dunning letter or reminder, but none documents reading the customer's reply. A credit control tool covers the rest: replies, SMS and post, scheduled statements and payment links. Pick the tool for the job your team finds hardest.
- Paidnice: Best for any cloud ERP team that wants the whole chase handled. Paidnice reads each reply with AI and drafts the answer for a person to approve, sends SMS and posted letters, posts fees on the ledger, and runs credit checks through your Creditsafe API connection. Runs on the Custom plan, for ERP connections at any invoice volume.
- Chaser: Best for UK firms that want phone calls in the chase as well as email, SMS and post. From $259/month.
- Kolleno: Best for groups over £100M turnover whose hardest job is matching payments to invoices. Its strength is cash application, with credit scoring built in. Price on request.
- ERPs on their own: Five of the eight add a fee or interest natively, only Odoo documents SMS, and no ERP's documentation describes reading a reply.
Paidnice connects to your ERP on the Custom plan. Book a demo on your own data, and a specialist sets up the connection.
Credit control software for an ERP is a connected app that takes over once the ERP's native feature has sent the reminder. This guide covers eight cloud ERPs and the tools that connect to them. On Xero instead? Read credit control software for Xero.
What does each ERP include by default, and what still needs a tool?
Seven of the eight ERPs document a reminder without an add-on, five add a fee or interest, and none documents reading the reply.
| ERP | Documented natively | Add-on needed | Still missing | Guide link |
|---|---|---|---|---|
 NetSuite | IncludedHolds, charges, letters | Add-onDunning Letters SuiteApp | Not documentedSMS, reply reading | NetSuite guide |
 Sage Intacct | IncludedDunning, holds, aging | Add-onPlatform Services print | Not documentedSchedule, late fee | Sage Intacct guide |
 Business Central | IncludedReminders, fee, interest | Add-onFinance Agent (preview) | Not documentedSMS, post, replies | Business Central guide |
 Acumatica | IncludedDunning, overdue charges | Add-onOptional Customer Portal | Not documentedReplies, promise to pay | Acumatica guide |
| Sage Accounting | PartialStatements on Standard+ | Add-onCopilot for reminders | Not documentedSecond reminder, fees | Sage Accounting guide |
 MYOB Acumatica | IncludedDunning, holds, charges | Add-onMYOB Payments, US/CA | Not documentedReplies, SMS | MYOB Acumatica guide |
 SAP Business One | IncludedDunning Wizard, fees | Add-onPartner promise to pay | Not documentedReplies, SMS | SAP Business One guide |
 Odoo | IncludedFollow-up levels, email | Add-onCredits for SMS, letters | Not includedSMS in many countries | Odoo guide |
Documented natively and Add-on needed come from each vendor's own documentation. Not documented means the vendor's documentation describes no such feature. The red chip is Odoo's SMS pricing page, which lists the countries it cannot reach.
How does NetSuite chase overdue invoices?
NetSuite chases through the Dunning Letters SuiteApp: up to 15 levels by days overdue, emailed on a schedule or printed by hand.
NetSuite's standard documentation covers credit holds, statements and collection letters. The SuiteApp is bought through your NetSuite account representative. Oracle's manual says the SuiteApp sends 100 letters a queue and cannot detect a bounced email. Finance charges need a separate step, Assess Finance Charges, run by a person, once per customer per day. Read the NetSuite guide.
How does Sage Intacct chase overdue invoices?
Sage Intacct sets dunning levels by days overdue and invoice amount, each with a printed and an email template, and a person sends every run.
Sage's documentation describes the send as opening Print or email, then Dunning notices and filtering by level and customer.
The dunning levels set days and amounts, with no fee or interest setting among them. Printed templates need a Platform Services subscription. The 2026 R2 release adds bulk email payment reminders on the Cash Management subscription, in early adopter release, with a 14-day cut-off.
A user reviews the list and clicks Send, one entity at a time. Read the Sage Intacct guide.
How does Business Central chase overdue invoices?
Business Central is the strongest native option here: Reminder Automation creates, issues and sends reminders on a job queue, and posts fees and interest to the ledger.
Microsoft's documentation sets out reminder terms with a grace period, a fee and an interest flag per level, and a weekly, monthly or custom cadence for the automated run. Reminder Automation has run since 1 April 2024, per Microsoft's 2024 release wave 1 plan.
After the reply, the dispute switch is On Hold on the ledger entry. The Finance Agent can set a Promised to Pay date from Outlook, in preview, once a person has read the email. It needs Copilot Studio, Microsoft 365 and a Dataverse environment.
Microsoft's automation setup describes no hold on the reminder run until that date. Payment links come from payment services, with PayPal and WorldPay listed, and Microsoft's docs describe no customer portal. Read the Business Central guide.
How does Acumatica chase overdue invoices?
Acumatica prepares dunning letters on one screen and prints or emails them from another, and overdue charges need their own Calculate run first.
An Acumatica community member describes the two steps, Prepare Dunning Letters then Print/Release Dunning Letters, in a dunning letter thread, with automation schedules available for both.
Letters cover overdue documents by default, and a run can add invoices not yet due with the Add Coming-Due Documents option.
Until someone runs Calculate Overdue Charges, no fee document exists. Acumatica's October 2024 licensing guide lists the Customer Portal for Acumatica Payments as optional in all four sizes, with no price. Read the Acumatica guide.
How does Sage Accounting chase overdue invoices?
Sage Accounting sends automatic payment reminders through Sage Copilot, and needs a Copilot licence to do it. Sage's KB describes an email template only.
Sage's knowledge base describes a daily 6am UTC send with a minimum amount, days before or after due, and a per-customer exclusion. Scheduled statements are Standard and Plus only. A late fee is added by hand, as a line on the invoice or as a second invoice. Read the Sage Accounting guide.
How does MYOB Acumatica chase overdue debtors?
MYOB Acumatica runs dunning letters in levels, raises a dunning fee invoice on release, and a user selects the customers and processes each run.
MYOB's help describes Prepare Dunning Letters as select, Process, then print or email, with scheduling as an option you set up.
The default first level is 30 days past due with 3 days to settle, and each later level adds 30 days. A run can also list invoices not yet due with the Add Coming-Due Documents option. Overdue charges follow a calculate, review, process cycle, so the charge waits for the review. Read the MYOB Acumatica guide.
How does SAP Business One chase overdue invoices?
SAP Business One chases through the Dunning Wizard: dunning terms set the levels, a fee per letter and optional interest, and each letter emails to the one email field on each business partner.
SAP's dunning guide ends at a recommendation report. When the dunning term's auto-post option is on, the wizard lists service invoices for fees and interest, and you accept or remove them. Email arrived in release 9.1 PL6, per an SAP partner.
It goes to the one email field per business partner, so a reminder reaches accounts payable only if that is the address on file.
In the desktop client a person starts every run. Since Feature Package 2608 the Web Client can schedule runs in the background, per a partner's summary. Read the SAP Business One guide.
How does Odoo chase overdue invoices?
Odoo follow-up levels in the Accounting app can run automatically and send by email, WhatsApp, SMS or letter, with every channel beyond email paid in Odoo credits.
Odoo's documentation describes each follow-up level with a day count, a template per channel and an optional activity for a responsible user.
SMS, WhatsApp and letters need In-App Purchase credit, and Odoo's SMS pricing lists countries it cannot send SMS to, including the US, Canada, Australia, New Zealand and South Africa.
Odoo's follow-up documentation describes no late fee, and late fees need a third-party App Store module. Read the Odoo guide.
Which other cloud ERPs does Paidnice connect?
Paidnice also connects Dynamics 365 Finance, Zoho Books and Exact Online on the Custom plan. Each chases natively in a different way.
Dynamics 365 Finance
Microsoft's documentation describes collections process automation: steps set by days from the due date, with email, letter and activity actions, run once a day. Invoices marked Disputed or Promised to pay are skipped, and picked up again when the promise is broken. That is the closest any ERP here comes to handling the reply.
Zoho Books
Zoho Books sends up to 30 automatic reminders, before or after the due date, to the customer and to you. Late fees are a percentage or a fixed amount after a set number of days, with a per-customer exclusion. Each is raised as a late-fee invoice that goes out by default or sits as a draft.
Exact Online
Exact Online prints or emails reminders from Sales, Outstanding items, Print reminders: the documented steps are user-run. A user selects the items and picks Print or E-mail, and the email goes to the contact person's address, or the account's, or stops with a warning.
Where Paidnice fits: if you want to...
Paidnice connects to any cloud ERP on the Custom plan and starts where the native reminder stops: it reads replies, sends SMS and post, and posts fees as invoices.
| If you want to | ERP + add-on |  Paidnice |
|---|---|---|
| Read replies, log a promised date | Not documentedA person types the date | YesA person approves |
| Post late fees as invoices | Partial5 of 8, most by hand | YesDraft or Approved |
| Send SMS and posted letters | PartialOdoo only, on credits | YesSMS worldwide, letters |
| Hand quiet accounts to an owner | PartialOdoo responsible user | YesEscalation task |
| Chase by customer group | PartialBC reminder term codes | YesGroups with routing |
Paidnice is good for you if you want to:
- Stop chasing the moment a payment posts. Paidnice syncs invoices, payments and credit notes with the ERP instantly, so a payment posted in your ERP stops chasing straight away.
- Chase by email, SMS and post on one schedule. Seven of the eight ERPs document email or print only. Paidnice runs reminders by customer group, each on its own cadence. SMS sends worldwide to any valid mobile number, with dedicated sending routes for the US, UK, Australia and New Zealand. See email and SMS reminders and letters by post.
- Charge fees and interest from a policy. NetSuite, Acumatica and MYOB Acumatica wait for a person to run the calculation. Paidnice raises each fee as an invoice in the ERP, Draft or Approved, so it enters the customer's payables as leverage. UK base-rate interest is indexed automatically. See late fees.
- Send statements on a schedule, parent and child included. Automatic statements go out weekly or monthly, each with a portal link, and a parent statement consolidates the child accounts' invoices.
- Have the reply read and the chase paused. Paidnice reads the reply, logs the promised date against the invoice and pauses chasing until that date passes. It drafts the response, and a person approves before anything sends. Escalations create a task for the account owner at a set age or balance.
Paidnice customers cut their average wait for payment in half, within 30 days. Customers cut overdue invoices by 70% in their first 30 days.
Every ERP here runs on the Custom plan, with an implementation specialist and a dedicated account manager.
ERP credit control tools compared (2026)
The ERPs' native reminders, Paidnice, Chaser and Kolleno, compared on plan, channels, reply handling, fees, multi-entity support and fit. Chaser starts at $259 a month; Kolleno sells to groups over £100M turnover.
| ERP native | Paidnice |  Chaser |  Kolleno | |
|---|---|---|---|---|
| Plan | Native or add-on | Custom plan | From $259/mo | Enterprise, over £100M |
| Channels | PartialEmail, print; Odoo SMS | YesEmail, SMS, letters | YesEmail, SMS, post, calls | YesEmail, SMS, calls |
| Reads reply, holds run | Not documentedA person types the date | YesUntil promised date | Not published | Not published |
| Fees and interest | Partial5 of 8 ERPs | YesInvoices, Draft/Approved | Not published | Not published |
| Multi-entity | Not documentedVaries by ERP | YesParent and child | PartialCore tier and up | YesEnterprise plan |
| Best for | Teams that handle every reply by hand | Teams wanting replies read and fees posted | UK firms that also chase by phone | Groups over £100M that want calls too |
How to choose credit control software for an ERP
Look first for a sync that stops chasing when a payment posts. Then check the work after the reply: promised dates, disputes, escalation and an owner per account.
- Does a payment posted in the ERP stop the chase the same day? Odoo's documentation tells you to reconcile bank transactions first, or reminders reach people who have paid.
- Does a reply with a date pause the sequence? Odoo's next reminder date and Business Central's Promised to Pay date are typed in by a person. Dynamics 365 Finance skips a Promised to pay invoice until the promise is broken.
- Who starts each run? Sage Intacct, Acumatica and MYOB Acumatica document a person preparing or sending the run. SAP Business One's wizard ends at a recommendation report that a person processes.
- Can it send more than email? Only Odoo documents SMS natively, on credits, and Odoo cannot send SMS to many countries, including the US, Canada, Australia, New Zealand and South Africa. Look for SMS, posted letters and a portal with a payment link.
- Do fees and interest post as invoices in the ERP? Sage Intacct, Sage Accounting and Odoo show no fee or interest setting. NetSuite, Acumatica and MYOB Acumatica wait for a person to run the calculation.
- Who supports the connection after go-live? An ERP connection takes setup work, so ask for an implementation specialist and the support route before you sign.
Nice to have: parent and child statements, escalation to a named owner, and reply reading that waits for approval.
See Paidnice on your ERP ledger
A Paidnice demo on your own ERP ledger shows which accounts it would chase first and how your reminder levels carry across. It also shows a posted payment stopping the chase.
Book a demo and bring your ERP ledger. An implementation specialist and a dedicated account manager set up the Custom plan after the demo. Customers cut their average wait for payment in half, within 30 days.
Start with your ERP: NetSuite, Sage Intacct, Business Central, Acumatica, Sage Accounting, MYOB Acumatica, SAP Business One or Odoo.
ERP credit control: common questions
Short answers on what ERPs chase natively, which add fees or SMS, and how Paidnice connects.
What is credit control software for an ERP?
Credit control software for an ERP is a connected app that reads invoices, payments and credit notes from the ERP and chases the overdue ones by email, SMS and post. It raises late fees and statements on the ledger and handles the customer's reply. The ERP's own feature, such as NetSuite's Dunning Letters SuiteApp, sends the reminder.
Which ERPs can add a late fee or interest natively?
Five of the eight. NetSuite uses Assess Finance Charges and Business Central a fee and interest flag per reminder level. Acumatica and MYOB Acumatica raise overdue charges and a dunning fee.
SAP Business One sets fee and interest in its dunning terms, posted as service invoices when auto-post is on. Sage Intacct, Sage Accounting and Odoo show no fee or interest setting. Outside the eight, Zoho Books also adds a late fee. Our guide to late fees versus statement interest explains which to use.
Which ERPs send reminders by SMS or post?
Only Odoo documents SMS and letters natively, paid for in In-App Purchase credits. Odoo cannot send SMS to many countries, including the US, Canada, Australia, New Zealand and South Africa. The other seven document email or print only. Paidnice on the Custom plan adds SMS worldwide and posted letters on the same ERP sync.
Does any ERP read the customer's reply?
No ERP in this guide documents it. Each vendor's documentation describes sending, and none describes reading a reply or telling a dispute from a delay. Odoo's next reminder date and Business Central's Promised to Pay date (through the Finance Agent, in preview) can record a promise, but a person enters it.
Does Paidnice connect to my ERP?
Yes, to any cloud ERP, on the Custom plan. Invoices, payments and credit notes sync instantly. Fees and interest post back as invoices, with UK base-rate interest indexed automatically. Reminders, SMS, posted letters, statements and escalations run on the connection. An implementation specialist sets it up after a demo.
Stop chasing invoices.
Start getting paid.
Paidnice is accounts receivable automation that enforces your payment terms. On the Custom plan it connects to your ERP, and a specialist sets it up after a demo.
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