--- title: "Customer Credit Scoring Software for Xero & QuickBooks | Paidnice" description: "Customer credit scoring for Xero and QuickBooks. Paidnice scores every customer from 0 to 100 from how they pay you, on every plan, with Creditsafe on Custom." url: https://www.paidnice.com/credit-scoring --- ★★★★★160+This app is a game changer!Lesley B. # Customer credit scoring for Xero and QuickBooks Paidnice scores every customer in Xero or QuickBooks from 0 to 100, from how they pay you, **on every plan.** Try it FreeBook a Demo 2025WINNER2026WINNERXero App of the Year2025 Global · 2026 NZ Read all 160+ reviews ## Trusted with over $1,200,000,000 collected on time across 1,070,000 invoices since 2022. and counting ## Know who to trust before you give more credit Paidnice runs a native credit check on every customer from your Xero or QuickBooks invoices and payments. You see who pays on time and who needs a call. ### A credit score next to every customer Every customer gets a score from 0 to 100, in a band from Excellent to High risk. The score shows next to the name everywhere in Paidnice. ### See why a customer scores low Open a customer to see the score next to the overdue balance, the aged debt and an AI summary of how they pay against your average. ### Tune the score to your credit policy Choose how hard late payment and overdue debt count, and how fast old payments stop counting. Edit the bands or add your own. ### Act when a customer goes over its credit limit Set a credit limit for each customer, synced with Xero’s customer credit limit field. When they go over it, Paidnice can raise an escalation for the right person, with the score and history attached. ### Add Creditsafe bureau checks on the Custom plan For a bureau view of a company, connect Creditsafe on the Custom plan. Run a check, monitor customers with alerts and flag new customers automatically. ## Native credit score or Creditsafe check Both run inside Paidnice. The native score is on every plan, and Creditsafe is on the Custom plan. | | Native credit score | Creditsafe bureau check | | --- | --- | --- | | Plans | Every plan | Custom | | Data | How each customer pays you, from Xero or QuickBooks | Creditsafe data on the company | | What you get | A score from 0 to 100 in bands, from Excellent to High risk | A check with score and limit, monitoring with alerts, flags on new customers and a manual check | | Settings | Late payment and overdue penalties, recency half-life, payment history window and your own bands | Your own Creditsafe account, or access through Paidnice | > It’s the debt collection system I’ve been looking for, for the last 15 years. Tyler Caskey Partner, The Bean Counters Said on the Accounting Apps Podcast 2025WINNER2026WINNER Xero App of the Year2025 Global · 2026 NZ 2026FINALIST Innovation App of the YearGlobal finalist 2026 ## Everything you expect from great accounts receivable software Paidnice has everything your business needs to run a best-in-class receivables process, from the first reminder to the money landing in your account. ### Chase automatically Send Reminders Automate email and SMS with powerful reminders, from your own domain. Automate Statements Schedule automatic statement sends each month. AI Reply Handling Paidnice reads every reply and drafts the next step for your approval. ### Enforce your terms Late Fees & Interest Automatically apply and send late fees and interest. Prompt Payment Discounts Encourage early payment with automated discounts. Escalate & Track Calls Escalate and assign overdue invoices for manual follow up. ### Get paid, and see it coming Customer Payment Portal Self-service hub for your customers' payment and billing needs. Create Payment Plans Flexible payment terms with automatic installment reminders. AR Insights & Reports Measure Days Sales Outstanding and other critical KPIs. Bookkeeping & AccountingNew Zealand ## Outstanding invoices down from $60,000 to $24,000 > “For the cost of the subscription versus money in your bank, it’s definitely a no-brainer.” Haley ReynersFounder, My Two Cents Read My Two Cents’s story → Outstanding invoicesBefore$60,000 owedNow$24,000Payment delaysBefore45+ daysNowUnder 25 daysThe processBeforeManual follow-upNow90% automated ## 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 Claude ChatGPT ## Credit scoring questions What is customer credit scoring? Customer credit scoring gives each customer a number that shows how likely they are to pay you on time. Paidnice scores every customer from 0 to 100, from how they have paid you in Xero or QuickBooks. How does Paidnice calculate the credit score? Every customer starts at 100. The score loses points for paying late and for the current overdue position: how much of the balance is overdue and how old it is. Recent payments count most. Is the Paidnice credit score a bureau credit score? No. It comes only from each customer’s payment history with you. For a bureau check on a company, connect Creditsafe on the Custom plan. Does Paidnice run credit checks? Yes. Paidnice runs a native credit check on every customer, on every plan, from how they pay you. Creditsafe bureau checks through the API are on the Custom plan. Can I change how the score works? Yes. Go to Settings, then Advanced, then Credit Score. Change the penalties for late payment and overdue debt, the recency half-life and the payment history window. You can edit the bands and add your own. Can I use my own Creditsafe account? Yes. On the Custom plan, connect your own Creditsafe account or use access through Paidnice. [Read how Creditsafe works in Paidnice](https://www.paidnice.com/blog/credit-control-software-creditsafe). Can I set a credit limit for each customer? Yes. Set a credit limit for each customer in Paidnice. When a customer goes over it, Paidnice can raise an escalation and assign it to a person on your team. Which plans include credit scoring? Every plan, on Xero and QuickBooks Online. Creditsafe bureau checks are on the Custom plan. [See pricing](https://www.paidnice.com/pricing). ## Meet the team that built Paidnice Book a call with the founders to learn more about how Paidnice can help you take the pain away from getting paid. Book a CallChat with us Great hands on experience. Ashley helped us through everything.Janet X.App Marketplace160+I’ve contacted support a few times, and Denym has always replied with really detailed and thoughtful explanations, even taking the time to jump on a video call to help.Jon M.App Marketplace160+So happy with the service provided by Ashley at Paidnice. The best service I have had from anyone in years.Anna H.App Marketplace160+Very simple to set up and the few questions we had were quickly and expertly dealt with by Denym. It has already made a huge difference to our debtor days and has massively helped.Jenny M.App Marketplace160+ ## See every customer’s credit score Connect Xero or QuickBooks and Paidnice scores every customer from their invoice and payment history. Try it FreeBook a Demo [Rated 5 stars, 160+ reviews](https://www.paidnice.com/reviews) · [App of the Year](https://www.paidnice.com/blog/winner-xero-global-app-awards-2026)