--- title: "Debtor Management for Xero | Paidnice" description: "Debtor management software for Xero. Paidnice tracks every debtor, chases overdue invoices, sends statements and applies late fees from your Xero organisation. Free to start." url: https://www.paidnice.com/xero/debtor-management --- # Debtor management for Xero that follows up every debtor. Paidnice is debtor management software for Xero. Automate your reminders, statements, late fees and escalation for every debtor in your Xero organisation, so your debtor days come down. - Every debtor chased, on schedule. - A credit score against every contact. - Statements sent every month without the manual run. Book a demo Try it now, it's free No credit card. Your first 20 actions are free. NZ Small BusinessApp of the Year 2026 Global Appof the Year 2025 Built for Read all 160+ reviews ## What Xero does for debtor management, and what it leaves out **Xero shows you who owes you money.** The Aged Receivables reports list each debtor and the age of each balance, and up to five email reminders go out on one set of rules. Xero does not score how each debtor pays, send statements on a schedule, charge late fees or pass a stubborn debtor to a person. A connected app does those jobs. ### Xero on its own 1 in full, 3 in part, 3 missing - **Debtor tracking**Aged Receivables Summary and Detail reports, for one date - **Invoice reminders**Up to five email reminders, one set of rules for the whole organisation - **Customer statements**Sent manually or in a batch, with no schedule - **Late fees and interest**Not available - **Payment plans**Not available - **Customer payment portal**Online invoice with a Pay Now button; an outstanding-invoices view through a connected payment service - **Escalation**Not available ### Xero with Paidnice 7 of 7 jobs, automatic - **Debtor tracking**Live debtor dashboard, credit score from 0 to 100 per contact, weekly report - **Invoice reminders**Email and SMS from your own domain, rules per contact group - **Customer statements**Sent on a weekly or monthly schedule, with a payment link - **Late fees and interest**Fixed, percentage or compounding, applied to the invoice in Xero - **Payment plans**Instalment plans with automatic instalment reminders - **Customer payment portal**Branded portal with every open invoice, statement and payment plan - **Escalation**Call task, credit stop or formal letter, assigned to a person Read how to spot [growing overdue balances in Xero](https://www.paidnice.com/blog/growing-overdue-balances-xero), or what a [debtors report from Xero data](https://www.paidnice.com/blog/credit-control-reporting-xero) needs to show. In the UK? See [credit control for Xero](https://www.paidnice.com/xero/credit-control). Running a group? See [credit control across multiple Xero companies](https://www.paidnice.com/blog/credit-control-multiple-companies-xero). If you are weighing Paidnice against the other apps in the Xero App Store, [see how Paidnice compares with Chaser, Upflow, Satago, Kolleno and ezyCollect](https://www.paidnice.com/blog/credit-control-software-xero). For Xero and QuickBooks together, see [debtor management across Xero and QuickBooks](https://www.paidnice.com/debtor-management-software). ## Debtor chasing, on your rules. Email and SMS reminders go out before the due date and after it, from your own domain, in your words. Set different rules for each Xero contact group, so your best customers and your slowest debtors do not get the same message. RC Richard C.Xero App Store review "This program has been a game-changer for our small business, significantly reducing the hours spent chasing debtors. It courteously sends reminders and statements, tasks that previously consumed our time." More on Xero invoice reminders ## Late fees and interest on overdue debtors. Fixed fees, a percentage, or a per annum interest rate. Applied weekly, monthly, or at a set number of days overdue. The charge goes onto the invoice in Xero, so the debtor balance in your ledger is always correct. JM Jenny M.Xero App Store review "It has already made a huge difference to our debtor days and has massively helped." More on late fees in Xero ## Debtor statements, payment plans and escalation. Statements go out weekly or monthly with a payment link. A debtor can pay every open invoice at once on your branded portal, or you offer a payment plan. Anyone still overdue gets escalated to a phone call, a credit stop or a formal letter, assigned to a person. Calls run from Paidnice, and each one is recorded and transcribed. VN Vanita N.Xero App Store review "Since implementing Paidnice our average debtors' days has been reduced significantly, as more clients pay on time." More on automatic statements in Xero ## Everything Paidnice adds to Xero ### 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, Make & 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. ## It plugs into the Xero organisation you already have. Nothing changes in Xero unless a rule you set makes it happen. Paidnice connects through the official Xero integration, so we never see your accounting password. 1. **Connect your Xero organisation in one click.**Two minutes. 2. **Pick a preset template for reminders, fees and statements.**Ten minutes. 3. **Your overdue invoices start getting chased today.**No data entry and no new invoicing tool. > It’s the debt collection system I’ve been looking for, for the last 15 years. Tyler Caskey Partner, The Bean Counters Accounting Apps Podcast Read the reviews ## Businesses that get paid on time Within the first month of implementing Paidnice, we saw late customer payments decrease from over 20% to zero. **Alex Hamilton**, Paintvine, New Zealand Read the case study → The biggest impact from using Paidnice has really been man hours for me. Just by using Paidnice, it's freed up loads and loads of time. We're talking five hours already of admin per month, and we're a scaling business. In a year, that could be 15 to 20 hours a month. **Jon Murphy**, Salt Silo, United Kingdom Read the case study → Before Paidnice, over 25% of our payments were late, which we were manually chasing up. With Paidnice automating this for us, that has dropped to less than 5% **Louis Fourie**, Venture Workspace, South Africa Read the case study → [See all customer stories](https://www.paidnice.com/success-stories) ## Debtor management in Xero: common questions How do I manage debtors in Xero? Xero gives you the Aged Receivables Summary and Detail reports, up to five automated email reminders, statements you send manually and a credit limit on each contact. To chase by SMS, send statements on a schedule, charge late fees or escalate a debtor, you connect a debtor management app. What does Paidnice add to debtor management in Xero? Paidnice is debtor management software for Xero. It tracks every debtor with a credit score, chases overdue invoices by email and SMS from your own domain, sends statements on a schedule, applies late fees and interest, offers payment plans and escalates the accounts that do not pay. Does it change anything in my Xero organisation? Nothing changes unless a rule you set makes it happen. Paidnice connects through the official Xero integration, so we never see your Xero password. Late fees and interest go onto the ledger in Xero, either on the original invoice or as a new invoice, so your aged receivables report stays correct. Can I control which customers get chased? Yes. Exclude any customer or a whole customer group. Add grace periods, and set different rules for different groups, so the customers who pay on time are left alone. Start in approval mode, and nothing sends without your OK. Will it chase the invoices that are already overdue? Yes. Paidnice reads the invoices already in Xero, including everything overdue today. You can chase that backlog, apply late fees in bulk, and either add the fee to the existing invoice or issue it as a new one. What does it cost? Paidnice has a free plan, and paid plans start at US$69 a month. Pricing follows your invoice volume, not your company revenue, and the Pro plan has unlimited users. How long does setup take? Under 15 minutes. Connect your Xero organisation in one click, pick a preset template for reminders, fees and statements, then preview every upcoming action before anything sends. ## Get paid on time with Xero and Paidnice Connect Xero and Paidnice prepares draft policies for you. Nothing runs until you approve them. 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)