Applied by Paidnice
$60k outstanding→$24k in 30 days
How My Two Cents slashed outstanding invoices from $60k to $24k
“When my debtor workflow is turned off, people stop paying me almost immediately.”
Haley ReynersFounder, My Two Cents
This app is a game changer!Lesley B.
Paidnice AI writes each chase and reads every reply for your Xero and QuickBooks Online invoices. You choose what sends on its own.
5.0 from 83 reviews on the Xero App Store · 4.9 on Capterra · From £49 a month
Five levels, from reminders on a timer to AI preparing the decision. You choose the level for each policy.
Yes, for the routine writing and reading. AI can write reminders, read replies, log promised payment dates and draft the next message. In Paidnice, an Active policy sends AI-written reminders on schedule, with no approval for each send. Disputes, stops on credit and customers in difficulty stay with a person.
The risk of chasing an invoice that is already paid: Paidnice syncs with Xero and QuickBooks Online, so a reminder stops when the invoice is paid. A policy can also skip reminders while a payment is promised or a query is open.
AI writes and reads at six points in credit control. Each row shows what Paidnice does and what is left for you.
No. AI gives each credit controller the reach of a whole team. Paidnice writes the reminders, reads every reply, logs promised payment dates and requests missing POs, so chasing that took a team a week now runs in a day. Your credit controllers spend that time on the accounts that need judgement, each one escalated with the credit score, average days to pay and email history attached. See credit control without a credit controller.
AI credit control writes each chase and reads each reply. Rules-based software sends your fixed templates, manual credit control is your team doing all of it, and outsourcing pays an agency to do it.
| Compare | AI credit control | Rules-based software | Manual | Outsourced |
|---|---|---|---|---|
| Who writes the chase | AI, for each customer | Your fixed templates | Your team | The agency |
| Who reads the replies | AI drafts, approved or pre-approved | Your team | Your team | The agency |
| What it costs | A software plan | A software plan | Staff time | An agency fee |
| Best for | Many replies, small team | Simple terms, few replies | A few invoices a month | No one in house |
| In Paidnice | Levels 1 to 4 | Level 0 | Paidnice takes routine steps | Paidnice is not an agency |
Each stage runs on your payment terms, from your Xero or QuickBooks invoices, automatically or after you approve it.
Paidnice reads each customer reply, logs the promise or the question and drafts the next step. Each draft waits for your approval, unless you pre-approve that type of reply.
More on reply handling →Paidnice suggests a policy for each group from how customers pay: a reminder and a statement for good payers, the full schedule for late payers. A customer can move group automatically when their score drops.
More on reminder rules →Paidnice adds the fee or statutory interest your terms allow, such as the Bank of England base rate plus 8%, and posts it to Xero or QuickBooks. AI-written reminders can name the fee before it applies.
More on late fees →Every reminder, including the ones AI writes, carries a Pay now link. In the portal customers pay by card or bank debit, set up a payment plan or promise a date, and the payment is recorded in Xero or QuickBooks.
More on the payment portal →An AI summary compares each customer with the rest of your book, and a 0 to 100 score shows how they pay you. It is never a bureau credit check.
More on AR insights →Paidnice reads each customer reply, logs the promise or the question and drafts the next step. Each draft waits for your approval, unless you pre-approve that type of reply.
More on reply handling →Plus statements, payment plans and escalation to a person, from your Xero or QuickBooks invoices.
Each policy runs automatically or holds its actions for your approval, and the judgement calls go to a person on your team.
Active sends on schedule, Draft holds each action for approval, and Safe Mode holds every send.
Each send and each approval is on record, with a change history.
Escalations and disputes go to a person, with the reason found and a proposed fix to approve or change.
Paidnice connects to your ledger, payment providers, CRM and team chat, so every invoice is chased, paid and recorded without manual data entry.
See all integrations →Four businesses on Xero, in their own words.
“When my debtor workflow is turned off, people stop paying me almost immediately.”
Haley ReynersFounder, My Two Cents
“One thing less to worry about.”
Louis FourieDirector, Venture Workspace
“Paidnice gave us the reliability we needed in our accounts receivable.”
Alex HamiltonCEO, Paintvine
“We look like heroes because we've introduced Paidnice into their business.”
Roman TepesFounder, Balance My Books
Book a demo to learn how Paidnice can take the pain out of getting paid.