Summary
Sage Accounting is a solid small-business ledger with basic chasing. Automatic reminders need a Sage Copilot licence and use one email template on one day count. A credit control tool adds reading replies, a sequence per customer group, SMS and post, and statutory interest posted to the ledger. Pick the tool for the job your team finds hardest.
- Paidnice: Best for finance teams that want the whole chase handled. Paidnice reads each reply with AI and drafts the answer for a person to approve, runs a sequence per customer group, and posts interest to Sage Accounting as invoices. Credit checks through your Creditsafe API connection, on the Custom plan.
- Chaser: Best for UK firms on Sage that want phone calls in the chase as well as email, SMS and post. From $259 a month.
- Credit Hound: Best for UK SMBs on Sage that chase by phone. Its strength is call-back, promise and dispute tracking with reports on each. From $25 per user a month.
- Sage Accounting on its own: The aged debtors report and invoice email come on every plan, and scheduled statements on Standard and Plus. Reminders send daily at 6am UTC.
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 Sage Accounting takes over after the Sage Copilot automatic payment reminder has sent its email. A demo on your own Sage Accounting ledger shows what that looks like on your overdue invoices.
What does Sage Accounting include for credit control by default?
Sage Accounting includes an aged debtors report and invoice email on every plan, and scheduled statements on Standard and Plus. Automatic payment reminders need a Sage Copilot licence.
| Documented in Sage Accounting | Status |
|---|---|
| Credit limits and holds | Not documentedNot in help we checked |
| AR aging | IncludedAged debtors report |
| Customer statements | Standard and PlusMonthly; none on Start |
| Reminders and dunning | Add-onNeeds Copilot licence |
| Finance charges | Not documentedManual methods only |
| Payment links and portal | PartialGoCardless on Std, Plus |
| Email sending | IncludedForum: bulk send limit |
Sources: Sage, customer statements; Sage Ireland help, aged debtors report; Sage Accounting enhancements; late fee guide, published 10 February 2021.
The Debt Summary counts from invoice date, so 30-day terms show as debt from day one. Source: Sage, customer statements.
What needs an add-on in Sage Accounting?
Automatic payment reminders need a Sage Copilot licence; online card and direct debit payment runs through linked providers; GoCardless direct debit on recurring invoices and statements need the Standard or Plus plan.
Sage Copilot licence: automatic payment reminders
Turns on the Automatic payment reminders toggle under Settings. Controls: a minimum amount owed, a day count before or after the due date, an editable subject and body, "Draft with Copilot", and an exclude switch per customer. Sends daily at 6am UTC, as an email template only. Source: Sage, automatic payment reminders, last modified 13 April 2026.
Sage's Copilot licence article calls it an optional add-on for all three plans. Sage's reply on its community forum says Plus now includes one Copilot user. Check your own plan before you count on the bundled user.
Payment providers: online payment
Sage's post says customers can pay recurring invoices by Direct Debit through GoCardless, and sales invoice notifications cover Stripe payments. Direct debit on recurring invoices through GoCardless is Standard and Plus only. Source: Sage, Sage Accounting enhancements.
Standard or Plus plan: scheduled statements
Send statements per customer and schedule monthly statements. The Debt Summary on the statement counts from invoice date. Source: Sage, customer statements.
What does the Copilot reminder still miss?
The Copilot reminder stops at the send. The settings Sage's KB lists are a schedule, a minimum, a template and an exclude list. Your team still handles five jobs:
- Read the reply. Sage's KB for the Automatic payment reminders setting describes no reply step, so a customer who asks for two weeks is answered by hand. The promised date never reaches the cash forecast.
- Decide the next step per customer. The KB lists one per-customer control, the exclude switch, so slow and good payers get the same email on the same day. The KB describes no second reminder.
- Check the email went out. A reply on Sage's Canadian community forum says the "sending a lot of emails" message means a send limit was hit. A throttled reminder reached nobody.
- Chase beyond email. The KB describes an email template only, so a customer who ignores it gets a phone call or nothing.
- Add the fee by hand. Sage's late fee guide, published 10 February 2021, gives two methods: a line on the open invoice, or a second invoice. Each fee waits for someone to calculate it.
UK law lets you claim statutory interest on a late commercial payment: 8% over the Bank of England base rate, plus £40, £70 or £100 per invoice by debt size. With Bank Rate at 3.75% since 18 December 2025, that is 11.75% for the half-year from 1 July 2026.
The reminder is in Sage and the replies are in your inbox, so you check two places for one customer.
Where Paidnice fits: if you want to...
Paidnice runs on Sage Accounting through the Custom plan. It covers every job the Copilot email leaves open: the next reminders, the reply, the fee, SMS and post, and the hand-off to an owner.
| If you want to... |  Sage Accounting + Copilot |  Paidnice |
|---|---|---|
| Send a second and third reminder | Not documentedOne day count in KB | YesSequence per group |
| Read replies and log a promised date | Not documentedNo reply step in KB | YesPaused until the date |
| Post interest and fees as invoices | Not documentedManual line or invoice | YesDraft or Approved |
| Send SMS and posted letters | Not documentedKB: email template | YesPrinted and posted |
| Hand quiet accounts to an owner | Not documentedKB: exclude option only | YesEscalates at day count |
| Chase by customer group | Not documentedOne template in KB | 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 instantly, so a payment posted in Sage Accounting stops chasing straight away.
- Run a sequence instead of one email. Reminders go before and after the due date with a different message each step, by email and SMS and posted letter, sent on your own authenticated domain.
- Have the reply read for you. Paidnice reads the reply, drafts the response, logs the expected payment date and pauses chasing until then. A person approves before anything sends.
- Post interest and the fixed sum to Sage Accounting. Interest runs at 8% over the Bank of England base rate, indexed automatically, with the £40, £70 or £100 compensation as a fixed line. Each charge posts as its own invoice, Draft or Approved, so it sits in the customer's payables as leverage.
- Give quiet accounts an owner. Escalations hand the account over at the day count you choose. Statements go out weekly or monthly, consolidated for parent and child customers.
Paidnice customers cut their average wait for payment in half, within 30 days. Sage Accounting runs on the Custom plan. Credit checks through your Creditsafe API connection come with it.
Sage Accounting credit control tools compared (2026)
Sage Accounting's native reminder, Paidnice, Chaser and Credit Hound, compared on plan, channels, reply handling, fees to the ledger, multi-entity support and fit.
| Sage Accounting | Paidnice |  Chaser |  Credit Hound | |
|---|---|---|---|---|
| Plan | Copilot licenceFor reminders | Custom planAny invoice volume | From $259/mo | From $25/user/mo |
| Channels | EmailPer Sage's KB | Email, SMS, letters | Email, SMS, post, calls | Email, tasks, pay link |
| Reads the reply, holds the run | Not documentedNo reply step in KB | YesPauses for a date | Not published | PartialPromise logged by hand |
| Fees and interest | ManualLine or second invoice | YesInvoices, Draft/Approved | Not published | Not published |
| Multi-entity | Not published | YesParent statements | Core tier and up | Extra company priced |
| Best for | Teams that handle every reply by hand | Finance teams wanting replies read and held | UK firms that also chase by phone | UK SMBs on Sage chasing by call-back task |
Our guide to credit control for ERPs covers every ERP we connect.
How to choose credit control software for Sage Accounting
The tool you add should pick up where the Copilot email stops: the second reminder, the reply, the promise, the fee and the escalation. Ask each vendor six questions.
- Does a payment posted in Sage Accounting end the chase the same day? A reminder sent after the payment landed costs goodwill.
- Can it send a second and third reminder, with a different message each time? Sage's KB describes one day count and one template for every customer, sent at 6am UTC.
- Does a reply with a date pause the sequence? The only per-customer control in Sage's KB is the exclude switch.
- Does email leave through the tool's own sending, authenticated on your domain? Then the send limit a Sage forum reply describes does not apply to the chase.
- Do interest and the fixed sum post to Sage Accounting as invoices? Sage's guide leaves the 8% over base rate and the £40 to £100 fixed sum as a manual line or a second invoice.
- Can it send SMS or a posted letter when email is ignored? Sage's KB describes an email reminder only.
Nice to have: consolidated statements for group customers, and credit checks.
See Paidnice on your Sage Accounting ledger
A Paidnice demo runs on your own Sage Accounting ledger and overdue invoices. It shows who gets a reminder, SMS or letter next, where a promised date holds the run, and how the 8% interest line posts back.
Book a demo and bring your Sage Accounting ledger. An implementation specialist sets up the connection on the Custom plan after the demo. Customers cut overdue invoices by 70% in their first 30 days.
On Sage Intacct instead? Read the Sage Intacct guide or the Business Central guide. On Xero? The Xero guide covers a Xero organisation.
Sage Accounting credit control: common questions
Short answers on Sage Accounting reminders, SMS and post, late fees, statements and the Paidnice connection.
Does Sage Accounting send payment reminders automatically?
Yes, with a Sage Copilot licence. The Automatic payment reminders toggle under Settings sends a reminder email a set number of days before or after the due date, daily at 6am UTC. Sage's KB lists extra Copilot users at £20 per user a month.
Can Sage Accounting send reminders by SMS or post?
Not that Sage documents. Sage's KB describes the automatic reminder as an email template, sent daily at 6am UTC, with a subject and body you can edit and an exclude option per customer. It documents no SMS, posted letter or second reminder. Paidnice adds SMS and posted letters on the same Sage Accounting sync.
Can Sage Accounting charge late fees or interest?
Not automatically. Sage's guide gives two manual methods: a line on the open invoice, or a second invoice. UK statutory interest is 8% over the Bank of England base rate, 11.75% for the half-year from 1 July 2026, plus £40, £70 or £100 per invoice. Paidnice calculates both and posts them to Sage Accounting as invoices.
Which Sage Accounting plans include customer statements?
Monthly scheduled statements are available on the Standard and Plus plans only; the Start plan has none. Sage's Debt Summary counts from the invoice date rather than the due date, so 30-day terms show as debt from day one.
Does Paidnice connect to Sage Accounting?
Yes, on the Custom plan. Invoices, payments and credit notes sync instantly. Interest and the £40, £70 or £100 fixed sum post back as invoices. Reminders, SMS, posted letters, statements and escalations run on top of the Copilot email.
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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