Both platforms automate accounts receivable. The differences are in pricing model, trial access, contract terms, and which features come included for growing SMBs.
Xero App Store rating
One accounts receivable layer on top of Xero and QuickBooks. No migration, no re-implementation.
Automate your entire AR workflow with intelligent sequences that adapt to each customer's payment behavior.
Email, SMS, and scheduled phone calls to reach customers their preferred way.
Set optimal send times based on customer timezone and past engagement patterns.
Personalized messaging that automatically adjusts tone based on payment history.
Auto-escalate overdue reminders from your accounts inbox to a senior sender like the CEO.
Never lose deals with automated reminders sent before quotes expire.
Automatically enforce your policies with smart incentives and penalties that drive on-time payment.
Apply flat fees, interest, finance charges, or compound interest automatically when payments are overdue.
Offer dynamic discounts to incentivize faster payment and improve cash flow.
Split any invoice into instalments with automated reminders and writebacks to Xero and QuickBooks.
Create custom workflows for different customer segments and invoice types.
Send professional account statements on autopilot with scheduled delivery and smart distribution.
Get real-time insights into your AR health with dashboards that highlight what needs attention now.
Automatic escalation when invoices or debts get out of hand, and act on them fast before they become an issue.
Auto-generate dispute letters and trigger escalation tasks when customers push back — so nothing sits in limbo.
Assign tasks, leave notes, and coordinate collection efforts seamlessly.
Get notified when key metrics change or specific accounts need attention.
Give customers a branded self-service experience that removes friction from the payment process.
Custom domain, logo, and colors make it feel like a natural extension of your business.
Supported by Stripe ACH, BACS, direct debit & card payments — with saved details for repeat customers.
Connect any payment gateway with hosted checkout — Pay Now buttons work with PayFast, Windcave, Peach and more.
Customers can view statements, download invoices, and pay anytime, anywhere.
Comprehensive reporting and analytics that give you complete visibility into your receivables performance.
Track payment trends with detailed aging buckets and historical comparisons.
Days Sales Outstanding measured at the account, entity, and contact level with trend analysis.
Roll up AR performance across every Xero or QuickBooks organization you manage.
Identify payment patterns and risk scores for every customer automatically.
Roman Tepes
Director, Balance My Books
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