★★★★★160+This app is a game changer!Lesley B.

Credit control software
for Xero and QuickBooks

Paidnice enforces your payment terms on every invoice in Xero and QuickBooks Online: reminders, statutory interest and online payment.

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5.0 from 83 reviews on the Xero App Store · 4.9 on Capterra · From £49 a month

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Credit control software

What is credit control software?

Credit control software automates the work of getting invoices paid on time: reminders, statements, late fees and interest, online payments and reporting, run from your accounting software. Each job, in short:
  • Reminders: emails and texts before and after the due date.
  • Statements: a summary of every open invoice, sent on a schedule.
  • Late fees and interest: the charges your terms allow, after a grace period.
  • Payments: a portal where customers pay online, with payment plans.
  • Reporting: ageing, DSO and who pays late.
Automated credit control means these steps run on a schedule from your ledger, and stop when the invoice is paid. A person steps in only when an account stalls. Paidnice does this for UK businesses on Xero and QuickBooks Online from £49 a month, with statutory interest, a payment portal and no per-seat fees, and payment plans on Pro from £74.

Which type of credit control software fits your business?

The right choice depends on your ledger, how many invoices you send and who does the chasing today.

Reminders inside Xero or QuickBooks
No credit control layerYou chase from the ledger yourself
 
XeroorQuickBooksInvoices and basic reminders
Best forA few invoices a monthWhere it stopsFew reminders, no fees, no case handling
Ledger-connected credit control
PaidniceEnforces your terms: reminders, interest, portal
Live sync
XeroorQuickBooksYour invoices and ledger
Best forOwner-led businesses and small finance teams on Xero or QuickBooks OnlineWhere it stopsNeeds Xero or QuickBooks Online. Other ledgers on the Custom plan.
Credit control platforms for finance teams
Credit control platformWorklists · call scripts · team reports
Longer setup
Ledger or ERPLarger books, several controllers
Best forTeams with several credit controllers on larger ledgersWhere it stopsPriced by quote or per user, with a longer setup
Order-to-cash suites
Order-to-cash suiteCredit · cash application · collections
Implementation project
ERPSeveral entities on one ERP
Best forMulti-entity businesses on an ERPWhere it stopsAn implementation project
Outsourced credit control
Agency or freelancerA person chases for you
Ledger access
XeroorQuickBooksYour invoices and ledger
Best forBusinesses with no one to run it in houseWhere it stopsSomeone else speaks to your customers

What it costs: UK credit control software runs from £8 a month for statements only, £45 to £599 a month for small-business chasing on fixed tiers, £199 to £899 a month by turnover band, £20 to £51 a user for Sage Accounting, Sage 50 and Xero add-ons, and quote only at the top. Paidnice Essentials is £49 a month for 150 invoices, and Pro runs up to £599 a month with unlimited users, priced by invoice volume, not revenue. Your first 20 actions are free. Platforms for larger teams and order-to-cash suites are priced by quote. See pricing, or outsourced credit control if you want someone to chase for you.

Paidnice is credit control software for UK small businesses

Many UK small businesses on Xero or QuickBooks Online have no credit controller. Paidnice chases every overdue invoice on your terms and adds statutory interest, without hiring or outsourcing.

It is built for that size of business, and for the accountants and bookkeepers who run their books. See credit control software UK for small businesses.

  • More than Xero or QuickBooks reminders: reminders by email, SMS and WhatsApp, statements and statutory interest, on your terms.
  • No platform to staff: no worklists to work through and no per-user fees.
  • You keep the customer relationship: every message goes out in your name.

See what Paidnice runs ↓See plans and pricing →

  • Sized for youPro scales with the invoices you send, with unlimited users for your team and your accountant.
  • Live in under 15 minutesConnect Xero or QuickBooks, then approve the draft policies Paidnice prepares.
  • Priced by invoice volumeYou pay for the invoices you send, with your first 20 actions free.

How Paidnice automates credit control

Each stage runs on your payment terms, from your Xero or QuickBooks invoices, automatically or after you approve it.

  1. Customers with a balance get a statement on the day you choose, with a Pay now link inside the PDF.

    More on statements →

  2. Paidnice adds the fee or interest your terms allow, including statutory interest at Bank of England base rate plus 8% under the Late Payment of Commercial Debts (Interest) Act 1998. It posts each charge to Xero or QuickBooks and can tell the customer by email.

    More on late fees →

  3. Paidnice reads each reply, logs the promise or dispute, and looks for the reason behind a dispute. It drafts the next step for your approval, or sends it straight away when you have pre-approved that type of action for the customer.

    More on reply handling →

  4. When reminders stop working, the account moves to a person on your team with its full history. They choose the next step: a call, a letter or a credit stop.

    More on escalations →

  5. Customers see every open invoice and pay by card or bank debit, or move to a payment plan. No login needed.

    More on the payment portal →

  6. DSO, ageing and overdue balances on one dashboard. Each customer gets a credit score from 0 to 100, so you know who needs a call.

    More on reporting →

Customers with a balance get a statement on the day you choose, with a Pay now link inside the PDF.

More on statements →

Plus AR reporting, credit scores, cash forecasts, early payment discounts, letters by post and more.

The credit control process, step by step

Credit control runs on a schedule: proactive steps before the due date, reactive steps after it. This is an example, and every day, step and channel is yours to change.

  1. 3 days before dueCourtesy reminder
    Invoice ReminderEmail · friendly toneScheduled
  2. Due dateDue date reminder
    Invoice ReminderEmail and SMS · neutral toneScheduled
  3. 7 days overdueFirm reminder
    Invoice ReminderEmail and SMS · firm toneScheduled
    Send Outstanding StatementWith the reminderScheduled
  4. 14 days overdueLate payment charge
    Invoice Late FeeFee or statutory interestDraft
  5. 30 days overdueEscalation
    Raise EscalationCall, Stop Credit or a formal letterAssigned
  6. PaidEvery later step stops

Using Xero? See credit control for Xero. On QuickBooks? See credit control for QuickBooks.

What to look for in credit control software

Six checks before you choose. Paidnice meets all six.

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  • Live ledger syncReads invoices from Xero or QuickBooks Online and stops chasing once paid.
    Paidnice
  • Rules per customer groupDifferent schedules, channels and grace periods for good payers and slow payers.
    Paidnice
  • Statutory interest built inBank of England base rate plus 8%, locked each half-year or tracking every change.
    Paidnice
  • A way to payA payment link in every reminder, and a portal with payment plans.
    Paidnice
  • Escalation with full historyStalled accounts move to a person for a call, letter or Stop Credit.
    Paidnice
  • Promises and disputesCustomers promise a date or raise a query, and reminders can pause until settled.
    Paidnice

Works with the software you already run

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 → NewConnect to Claude or ChatGPT via MCP
Xero logoBusiness Central logoAcumatica logoCampfire logoPuzzle logoConnectWise PSA logoStripe logoPinch Payments logoCloud Depot logoZendesk and Intercom logoMicrosoft Teams logoClaude and ChatGPT (MCP) logoClaudeWebhooks for Make and n8n logo
QuickBooks Online logoSage Intacct logoOdoo logoDigits logoAccounting Seed logoAutotask PSA logoPayPal logoOzow logoHubSpot, Pipedrive and more logoZendesk and Intercom logoAsana and Jira logoClaude and ChatGPT (MCP) logoChatGPTWebhooks for Make and n8n logo
NetSuite logoSage Accounting logoRillet logoDualEntry logoHaloPSA logoUnleashed logoWise logoPayFast logoHubSpot, Pipedrive and more logoSlack logoAsana and Jira logoZapier logoTwilio SMS logo

Results from Paidnice customers

Four businesses on Xero, in their own words.

See all customer stories →·Read all 160+ reviews →

Credit control software: common questions

What is credit control software?
Credit control software automates the work of getting invoices paid on time. It sends reminders, applies late fees and interest, sends statements and escalates overdue accounts. Paidnice is credit control software for Xero and QuickBooks Online. It enforces your payment terms on every invoice.
What is automated credit control?
Automated credit control means reminders, statements, late fees and escalation run on a schedule from your ledger, with no manual steps. A person steps in only when an account stalls.
What is credit control in the UK?
Credit control in the UK is how a business makes sure customers pay on the terms it agreed: credit limits, reminders, statements and late payment charges. The Late Payment of Commercial Debts (Interest) Act 1998 backs it by giving a business the right to charge statutory interest on late business debts. Paidnice runs the reminders, statements and statutory interest from Xero or QuickBooks Online.
What is the credit control process?
The credit control process runs from the invoice to the payment: a courtesy reminder before the due date, a reminder on the due date, a firmer reminder with a statement, a late payment charge after your grace period, then escalation to a person for a call, Stop Credit or a formal letter. Paidnice runs each step on your schedule.
How much does credit control software cost?
UK credit control software runs from £8 a month for statements only, £45 to £599 a month for small-business chasing on fixed tiers, £199 to £899 a month by turnover band, £20 to £51 a user for Sage Accounting, Sage 50 and Xero add-ons, and quote only at the top. Paidnice Essentials is £49 a month for 150 invoices, and Pro tiers run up to £599 a month with unlimited users, priced by invoice volume, not revenue. Your first 20 actions are free, with no card. See pricing and credit control software pricing.
What are the two main methods of credit control?
Proactive credit control works before the due date: clear terms, a reminder before the invoice is due and an easy way to pay. Reactive credit control starts after the due date: overdue reminders, late payment charges and escalation. Paidnice runs both on one schedule.
What are the tools of credit control?
The main tools are payment terms, reminders, customer statements, late payment fees and interest, payment plans, credit limits and escalation such as a call, a formal letter or Stop Credit. Paidnice runs each of these from your Xero or QuickBooks invoices.
Does credit control software calculate UK late payment interest?
Yes. Paidnice charges statutory interest at Bank of England base rate plus 8% under the Late Payment of Commercial Debts (Interest) Act 1998, and can add the fixed compensation of £40, £70 or £100 as a line item. You can lock the base rate for each six-month period, or follow it as it changes. Try the statutory interest calculator, or see late payment fees in the UK.
Does credit control software work with Sage?
Paidnice connects Sage Intacct and Sage Accounting on the Custom plan, set up by our implementation specialist, with other cloud ERPs. Desktop products such as Sage 50 and Sage 200 are not supported. Xero and QuickBooks Online connect on every plan. See credit control software for Sage Accounting.
What is the difference between credit control software and outsourced credit control?
An outsourced credit controller chases overdue invoices for you, and you pay for their time. Credit control software does the same jobs automatically, from the invoices in Xero or QuickBooks, and you keep every rule and message.
What is a credit controller, and do you need a qualification?
A credit controller chases overdue invoices, agrees payment dates, applies late payment charges and escalates accounts that do not pay. The law does not require a qualification, and the Chartered Institute of Credit Management (CICM) offers recognised ones. Credit control software takes over the repeat steps, so the credit controller can focus on calls and stalled accounts. See credit control.
Will reminders stop when an invoice is paid?
Yes. Paidnice stays in sync with Xero and QuickBooks Online, so a reminder stops as soon as the invoice is paid. You can also skip reminders when a customer has promised a payment date, or while a query is open.
Can I set different credit control rules for different customers?
Yes. Exclude any customer or a whole group, add grace periods and set different rules for each group, so the customers who pay on time are left alone. Run each policy automatically, or hold its actions for your approval.
Will automated chasing damage my customer relationships?
You stay in control of every message. Reminders go out in your own words and branding, and from your own email domain on the Pro plan. On Paidnice, 8 in 10 invoices are paid within the first 60 days. Escalation is for the accounts that still do not pay.

Start getting paid on time with Paidnice

Book a demo to learn how Paidnice can take the pain out of getting paid.

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Rated 5 stars, 160+ reviews · Xero App of the Year

Everything you expect from credit control software

40+ credit and debtor management tools to ensure you get paid on time, every time.

Chase automatically

Email remindersBefore, on and after the due date, from your own domain.Send from your own emailEvery reminder from your Gmail, Outlook or own domain.SMS remindersTwo-way texts with a link to pay.WhatsApp remindersCustomers reply on WhatsApp, and the reply lands in Paidnice.Customer statementsScheduled statements with a link to pay online.Quote reminders for XeroFollow up quotes before they expire.Estimate reminders for QuickBooksFollow up estimates until they are accepted.Invoice sendsSchedule and customise how each invoice goes out.Contact routingThe invoice to the AP inbox, reminders to the person you work with.
Threaded repliesEvery reminder and reply stays in one email thread.
Thank-you emailsA thank-you or a short survey once an invoice is marked paid.

Enforce your terms

Late feesA flat fee or a percentage, after the grace period you set.InterestA yearly rate charged by the day, or statutory interest.Prompt payment discountsTake a percentage off when customers pay early.EscalationsA case with the full history, owned by a person on your team.Calls with transcriptsCall customers from Paidnice on Pro. Each call is recorded, transcribed and saved to their timeline.Letters by postStatements, overdue letters and final notices, printed and posted on Pro and above, on request.
Payment promisesReminders wait for the promised date, and a broken promise alerts you.
DisputesA disputed invoice stops being chased until it is resolved.
FreezePause chasing for one invoice or one customer.

Get paid

Customer payment portalA secure link with every invoice, no login needed.Payment plansInstalments with reminders and autopay.Card and bank paymentsTake payment through Stripe, Pinch and more.Pay several invoices at onceCustomers pick the invoices and pay them together.Custom payment linksPayPal, Wise and other pay links in every reminder.

AI in Paidnice

Reply handlingPaidnice reads each reply and drafts the next step for your approval.AI collections agentAn AI agent with its own accounts and rules that answers replies and logs promised dates.PO numbersAsks for the PO, adds it to the invoice in Xero or QuickBooks and resends it.Contact updatesUpdates contacts from replies, for your approval.Paidnice AssistantDescribe a late fee, statement or reminder and it sets it up for you to apply.Fix mobile numbersSuggests the correct number format, and you approve each one.Template variationsCustomers get different wording each time.
Customer summariesA short summary of each customer, written from their history.

See it coming

Cash forecastExpected payments, week by week.Credit scoresEvery customer scored on how they pay.Ageing boardInvoices by current, 1 to 30, 31 to 60, 61 to 90 and 90+ days.AR trackerEvery overdue account on a kanban board, with your own stages.Email performanceWhich reminders get opened and paid fastest.Reports and exportsAged receivables, fees, emails and plans. Saved views emailed as CSV.

Control and setup

Roles and approvalsAssign accounts to people or an AI agent, and approve actions before they send.
Safe ModePaidnice prepares every action and sends nothing until you switch it off.
Customer groups and tagsDifferent rules for different customers.
Parent and sub-customersOne statement and one payment for a group of companies.Your domain and brandEmails from your own address, with your logo and colours.
Use PDF invoices from other systemsYour reminders carry the invoice PDF your other tools make, in place of the accounting one.
Team and alertsAssign customers, and get alerts for replies and broken promises.Multi-entity supportEvery company in your group under one login, with group reporting.Credit control for groupsEach UK company chases in its own name, with one view of group debt.Single sign-onSign in through Entra ID, Okta, Google or any SAML provider, on Custom.IntegrationsXero, QuickBooks, ERPs, payments, Slack, Teams and more.
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