The best accounts receivable software for accounting firms in 2026: Paidnice for a practice that sets a fee and statement policy per client inside Xero and QuickBooks Online files, at $29 a month per extra entity. Chaser suits a practice selling credit control as a service. BILL, Upflow and Satago complete the five, from $49 per user.
| Tool | Best for |
|---|---|
| Paidnice | A practice that sets a different late fee and statement policy per client inside Xero and QuickBooks Online files, at $29 (£19) per extra entity |
| Chaser | A practice that sells credit control as a service and wants white-label chasing, Creditsafe checks and the widest ledger list, client turnover to £100m |
| BILL | A US practice already paying client bills in BILL that wants receivables in the same login, priced per user |
| Upflow | A practice advising a mid-market client on collections metrics such as countback DSO before anything is automated |
| Satago | A UK practice with Sage 50 or Xero clients that wants credit reports and invoice finance beside the chasing, from £25 inside Sage 50 |
A practice has two receivables problems: its own fee notes, and the client ledgers it manages. This guide ranks the tools for the second job. For the general field outside practice work, see the accounts receivable software guide.
What accounts receivable software for accounting firms is (and what it is not)
Two products get confused with each other constantly. Practice fee billing collects the firm's own fees, usually from proposal through to direct debit, and never touches a client's sales ledger. Practice AR software chases overdue invoices on a client's ledger, raises fees and statements there, and takes the payment.
Ignition and Anchor sit in front of the engagement letter and collect what the practice is owed. They are named here rather than ranked, because they do not connect to a client's sales ledger and cannot chase a client's customers.
- One login, many ledgers. A practice moves between client files all day, so the tool has to hold many Xero organisations or QuickBooks Online companies without a separate subscription behind each one.
- Policies that travel. The reminder sequence and fee policy built for the first client should be repeatable on the next, rather than rebuilt manually in every file.
- Somebody else's name on the email. The chase reaches the client's customer, so the sender, the branding and the reply address belong to the client rather than to the practice.
- A charge on the client's ledger. A fee raised there is a receivable with a tax treatment and an income account, which makes it reportable, and waivable in writing if the client decides to trade it away.
Xero's latest US small business data shows 29.7 days to be paid on average, 8.6 days past due, and 25.6 days in California.
How this list was put together
This list helps an accounting practice choose software that chases overdue invoices on its clients' ledgers, across a whole client book.
| What we checked | Where the evidence came from |
|---|---|
| Client-book fit: one subscription across many client entities | Vendor plan and pricing pages for multi-entity support |
| Cost per extra entity | The vendor's published pricing page, in the vendor's own currency |
| A late fee or interest charge raised on the client's ledger, and at what grain | Vendor help pages and fee settings documentation |
| Ledger coverage across a mixed client book | Vendor integration pages for Xero, QuickBooks Online, Sage and the ERPs |
| Rating with a countable base | The Xero App Store or G2, with the review count; where two scores fall within a tenth of a point, the deeper base decides |
How do the five accounts receivable tools for accounting firms compare?
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|---|---|---|---|---|---|
| Best for | Per-client fee and statement policy in Xero and QuickBooks Online files | Practice selling credit control as a service across mixed ledgers | US practice already paying client bills in BILL | Practice advising clients on collections metrics before automating | UK practice with Sage 50 or Xero clients wanting credit reports |
| Revenue fit | Any client entity up to $50m a year, or 50,000 invoices a year | Compact under £4m, Core from £4m, Complete to £100m | US small and mid-sized business, payables-led | Gross invoice value tiers, up to $10m through above $100m | Not published |
| From (monthly) | $69 (£49) | £199 | $49 per user | Not published | £45 (£25 inside Sage 50) |
| Ledger integrations | Xero, QuickBooks Online and newer ledgers such as Rillet and Campfire (closed testing) on every plan; Sage Accounting and other ERPs on Custom | Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, NetSuite, Dynamics 365 Business Central, AccountsIQ, SAP | CSV only on Essentials; two-way QuickBooks Online and Xero from Team; NetSuite, Sage Intacct, Dynamics and Acumatica on Enterprise | Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora | Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent |
| Late fee grain | Yes (per customer group) | Yes (one set of late-fee rules, across the account or for selected debtors) | No | No (via the client's ERP only) | Optional, added to reminder emails |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | None found | Portal PDF statement, no scheduled send | Yes |
| Payment plans | Yes (on Pro) | Yes | No | No | Not documented |
| Multi-entity | Yes ($29 / £19 per entity) | Yes (from the £599 tier) | Yes (Enterprise tier only) | Not documented | Not documented |
| Credit checks | Yes: native checks from payment behavior, plus Creditsafe via API on the Custom plan | Yes (Creditsafe, sold by credit on any plan) | No | Yes (light scoring) | Yes (credit reports and limits) |
| AI | Advanced Reads customer replies, drafts answers and follow-up actions (like PO updates) for your approval; MCP server for Claude, ChatGPT and other agents | None No AI in receivables (its AI agents are for payables) | Advanced Collections and cash application agents, from suggest-only to autonomous (Collections Agent from Scale, Cash Application Agent from Accelerate) | None No AI feature found | |
| Rated (source, count) | 5.0 (84, Xero App Store) | 4.98 (374, Xero App Store) | 4.4 (1,806, G2) | 4.8 (235, G2) | 4.93 (92, Xero App Store) |
"Not documented" means the vendor does not document the capability. "Not published" means the vendor does not print a price. "None found" means no evidence either way. Prices are the vendor's published from-price.
The five tools in five checked facts
- Four of the five publish a starting price: Paidnice from £49 (US$69), Chaser from £199, BILL from US$49 per user and Satago from £45 a month (£25 inside Sage 50). Upflow quotes.
- Each published price grows with something different: invoice volume (Paidnice), revenue band (Chaser), users (BILL) and a flat tier (Satago).
- Three of the five apply a late fee themselves: Paidnice (per customer group), Chaser (one set of late-fee rules, across the account or for selected debtors) and Satago (optional, in its reminder emails).
- All five connect to both Xero and QuickBooks Online.
- AI that handles collections work or customer replies: Paidnice and Upflow. No AI in receivables: BILL and Satago.
We checked each tool's own pricing, integration and help pages on October 26, 2026. "None found" in the data means the vendor's pages do not show the feature.
1. Paidnice, best for enforcing in client files
Best for: Practices running enforcement inside client Xero and QuickBooks Online files, any client entity up to $50m a year, or 50,000 invoices a year.
What is Paidnice best for?
For a practice that installs the same fee and statement policy inside each client file and wants the charge posted to the client's own ledger.
- Fits
- Practices running AR inside client files on Xero or QuickBooks Online, with client entities of any size up to $50m a year, or 50,000 invoices a year
- Regions
- United States, Canada, United Kingdom, Australia, New Zealand, South Africa
- Entry cost
- £49 (US$69) a month on Essentials, covering 150 invoices, 600 emails and up to 2 team members; Pro from £74 (US$99) a month with unlimited users and no per-seat fee; extra client entities $29/mo (£19) each with invoice volume pooled against one plan.
- Rated
- 5.0 from 84 Xero App Store reviews; 4.9 on Capterra
- Awards
- Xero Global Small Business App of the Year 2025 and NZ Small Business App of the Year 2026; finalist, Innovation App of the Year 2026
- Runs on
- Xero, QuickBooks Online, Stripe, Pinch Payments, HubSpot, Pipedrive, Zapier
- Late fees and interest
- Yes. In the UK the rate auto-indexes to the Bank of England base rate; elsewhere flat, percentage or compounding rates are set per customer group
- Does best
- Two charge types on the same customer group, an invoice late fee and a statement interest charge, both posted to the client's ledger
Paidnice runs inside the client's own Xero organisation or QuickBooks Online company: reminder sequences per customer group, statements on the schedule the practice sets including consolidated parent accounts, payment plans on Pro, and a customer payment portal.
Mail leaves by email and SMS. Sending from a domain the practice or the client authenticates starts on Pro, Paidnice can also send through a connected Gmail or Outlook (Microsoft 365) mailbox, and Essentials sends from outbound@paidnice.com.
The charge is raised on the ledger as a Draft or an Approved document, calculated on the balance net of any credit on the account, so a practice can review the first month's fees before anything reaches a client's customer.
Statement interest is recalculated at the moment the statement sends rather than at the last policy run, which matters in a country where the base rate moves. Compounding is on by default and simple interest is the deliberate choice.
Paidnice reports that customers have half as many late invoices in the first 30 days.
Limitations with Paidnice. Xero and QuickBooks Online are on every plan, and newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo are available on every plan through Paidnice's closed testing program. Sage Accounting and other ERPs, including NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central, connect on the Custom plan, so a book with Sage or NetSuite files in it needs the Custom plan or a second tool alongside.
Every additional client entity is a paid add-on rather than free, the entry tier covers two team members, and bank-file matching is not documented. Paidnice matches payments through Xero and QuickBooks Online and Stripe.
2. Chaser, best for credit control service
Best for: Practices that sell credit control as a service.
Client turnover to £100m
What is Chaser best for?
For a practice that chases on behalf of client companies and wants credit checks, a white-label channel and a collections handoff running from one system.
- Fits
- Practices offering credit control as a service, and client companies from under £4m to £100m turnover
- Regions
- UK-registered, trading since 2014, sells worldwide
- Entry cost
- £199/mo on Compact for client turnover under £4m with 4 users; Core £599/mo for turnover under £10m, adding multi-entity; Complete £899/mo to £100m.
- Rated
- 4.98 from 374 Xero App Store reviews; 4.3 from 71 on G2; 4.9 from 45 on Capterra, where most reviews date from 2020 to 2022
- Awards
- Finalist, UK Small Business App Partner of the Year, Xero Awards 2023
- Runs on
- Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, Business Central, NetSuite, AccountsIQ, SAP
- Late fees and interest
- Yes. Four calculation types including the UK Bank of England base rate, recalculated daily, as one set of rules for the account, applied to every debtor or to selected debtors
- Does best
- White-label outsourced credit control for a partner practice, with Creditsafe credit checks and a collections handoff in the same tool
- Customers
- Named on its website: TaxAssist, FHC and Huttie. TaxAssist's case study reports £20k of client debts paid in 30 minutes.
Chaser is the one tool here built around the practice channel rather than adapted to it. There is a partner programme, a white-label option, and Chaser Care as a managed service where the chasing is done for the client instead of by the practice.
The Creditsafe report inside the app carries a score with a recommended limit, the customer's own payment score, credit event history, and the filing and director data that originates at Companies House, which is the check a practice can run for a client considering new terms. Chaser credit checks need Chaser billing, not Xero App Store billing; monitoring is not offered in Australia.
Its integration list is the widest in this comparison, and on a client book that is the point. Sage 50, Sage 200, Sage Intacct, NetSuite, Dynamics 365 Business Central, AccountsIQ and SAP all connect alongside Xero and QuickBooks, so a firm whose clients are not all on one system can still run one tool.
Limitations with Chaser. One set of late-fee rules, across the account or for selected debtors, not tied to schedules, with no documented way to run different rules per group. No fee is raised on payment-plan invoices, and Chaser's help says a late fee cannot be added or updated after a part payment when written to Xero. Line-item sync back to the ledger is Xero only.
Multi-entity begins at the £599 Core tier, so a practice on Compact runs one account at a time with four users. Pricing is banded by the client's turnover rather than by invoice count, so the bill steps up as the client grows rather than as the work does.
3. BILL, best for one-login AP and AR
Best for: US practices that want payables and receivables in one login, priced per user.
What is BILL best for?
For a US practice already running client payables in BILL that wants invoicing and payment collection on the same platform rather than a second subscription.
- Fits
- US practices and their clients, payables-led, priced per user rather than per client entity
- Regions
- United States
- Entry cost
- $49 per user a month on Essentials, where the accounting sync is CSV import and export only; $65 Team adds two-way QuickBooks Online and Xero sync; $89 Corporate; Enterprise by quote. Transaction fees on top: ACH $0.59, cards 2.9%.
- Rated
- 4.4 from 1,806 G2 reviews, latest April 2026; 4.1 from 563 on Capterra
- Awards
- Not published
- Runs on
- CSV on Essentials; two-way QuickBooks Online and Xero from Team; NetSuite, Sage Intacct, Dynamics, Acumatica and QuickBooks Enterprise on Enterprise
- Late fees and interest
- No. There is no native late fee or interest calculation on the receivables side
- Does best
- Payment rails inside the invoice workflow, with ACH at $0.59 a transaction, cards at 2.9% and auto-charge on saved methods
- Customers
- Named on its website (mostly payables): Baker Tilly, CLA (CliftonLarsonAllen) and Withum.
BILL is a payables platform carrying a receivables module, sold through an accounting-firm partner channel with its own accountant console. For a practice already running client bill payment through it, the receivables side costs no extra subscription because it is on every tier, and that is the whole of the argument for it here.
What it does well is moving money. Invoices go out by email or US mail, customers pay by ACH or card through a self-service portal or a payment link, auto-charge pulls from a saved method on the due date, and reconciliation flows back through the accounting sync.
The ceiling arrives quickly on the receivables side. Reminders are up to three templates configured company-wide (last seen in BILL's support documentation), which for a practice means one chase cadence covering every customer of every client, with no way to change the timing for one of them. Every artificial-intelligence feature shipped since 2025 sits on the payables side.
Limitations with BILL. Three company-wide reminder templates, and no late fees, no statements and no payment plans on the receivables side at all. Two-way QuickBooks Online and Xero sync starts at the $65 Team tier, so the $49 entry price buys CSV import and export.
Reminders fire to every customer contact on any invoice with a balance above zero, including partly paid ones. Trustpilot scores it Bad at 1.6 across 1,679 reviews, well below its G2 figure.
4. Upflow, best for client collections analytics
Best for: Practices advising mid-market clients on collections analytics.
$10m to $50m ARR clients
What is Upflow best for?
For a practice advising a client that wants collections measured before anything is automated, with countback DSO and collection effectiveness on a dashboard.
- Fits
- B2B finance teams that manage by metric, quoted in five tiers by gross invoice value, from up to $10m on Starter to above $100m on Enterprise
- Regions
- New York head office, Paris origin, customers in 30-plus countries
- Entry cost
- Not published. Upflow prints no figures and quotes five tiers by gross invoice value; its pricing FAQ mentions a free Discover plan for analytics, but it is not among the plan cards. Upflow's last published prices were $440 a month for Grow and $880 for Scale
- Rated
- 4.8 from 235 G2 reviews, latest June 2026; 4.5 from 15 on Capterra; 5.0 from a single review on the Xero App Store, too small a base to read as a signal
- Awards
- Not published
- Runs on
- Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora
- Late fees and interest
- No. Fees are applied in the client's ERP instead, and Upflow computes none itself
- Does best
- Collections analytics, with countback DSO against best possible DSO, collection effectiveness and an at-risk rate above 90 days
- Customers
- Named on its website: Caseware, Avizio and Lattice. Avizio's case study reports DSO cut by 50%.
Upflow measures rather than enforces, and its metrics are the clearest in this comparison: countback DSO against best possible DSO, collection effectiveness, at-risk balances and billing-cohort cash forecasting, on dashboards a practice can filter by workflow, country or account manager and mail on a schedule.
Reminder workflows run multi-step across email, SMS, letter, call and task, and cash application matches payments with suggestions and rules. Recent releases lean on automation: promise-to-pay detection, dispute-signal detection and agentic cash application (Cash Application Agent on Accelerate). Upflow takes payments through its optional Payments add-on: $390 a month platform fee, 3.5% + $0.30 per card payment, 0.8% capped at $5 for ACH.
Limitations with Upflow. No native late fees, so any charge has to be raised in the client's ERP, and a client on Xero or QuickBooks Online has no ERP to raise it in. No payment plans, only customer-initiated part payments and promises to pay.
Automatic actions run once a day and only on business days. Sending through the practice's own SMTP switches off open and click tracking, and the QuickBooks link polls every five minutes with payments landing in Undeposited Funds for manual reconciliation. Prices are no longer published anywhere, which makes a client proposal harder to build.
5. Satago, best for UK credit reports
Best for: UK practices that want credit reports next to the chasing, on Sage and Xero books.
What is Satago best for?
For a UK practice whose clients sit on Sage 50 or Xero and that wants credit reports, credit limits and invoice finance from the same provider as the chasing.
- Fits
- UK practices and clients in the Sage and Xero ecosystem. No revenue band published
- Regions
- United Kingdom only
- Entry cost
- £25/mo Standard and £45/mo Plus inside Sage 50, with Plus included on selected Sage 50 subscriptions; standalone £45/mo Basic, £80 Premium, £200 Platinum.
- Rated
- 4.93 from 92 Xero App Store reviews, UK listing
- Awards
- Not published
- Runs on
- Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent
- Late fees and interest
- Optional. Late fees are calculated in line with statutory limits and added to payment reminders once an invoice is overdue
- Does best
- Credit reports, customer credit scores and suggested credit limits bundled into the same subscription as the chasing, with invoice finance from the same provider
Satago bundles two businesses into one subscription: chasing and risk insight as software, single and full invoice finance as lending. It publishes audience pages for accountants and brokers and a credit-control-as-a-service offering, so the practice channel is deliberate rather than incidental.
The cheapest route into this whole comparison is its Sage 50 embedded edition at £25 a month for Standard, and Sage states that the Plus tier is included with selected Sage 50 subscriptions without naming which. A practice with Sage 50 clients should ask its Sage account manager before paying for anything at all.
The embedded package covers payment reminders, statements, thank-you emails, customer grouping and scheduling, alongside credit scores, suggested limits and access to bad debt protection.
Limitations with Satago. United Kingdom only, so it is no use to a practice with US or Australian clients, and roughly half the product is an invoice-finance channel rather than credit control.
Standalone Basic caps at 100 email reminders a month and does not list own-inbox sending, so reaching a practice or client inbox needs the £80 Premium tier. A practice edition was last seen at £50 a month on Satago's pricing page and is not listed there now. Satago's late fee is optional and sits in its reminder emails.
Who authorizes a late fee on a client's ledger, the practice or the client?
Every other buyer in this category is chasing its own money, while a practice chases money owed to its clients. The policy is set by the practice, but the fee lands on the client's ledger, becomes the client's income, and needs the client's authority before it is raised at all.
That authority has to exist in writing somewhere. In most firms it goes into the engagement letter as a specific instruction: the practice may raise late fees and statement interest inside the client's Xero organisation or QuickBooks Online company, at a stated rate, on a stated trigger.
What the engagement letter cannot do is override the client's own trading terms, because the rate a client can charge is whatever their customer contract says, inside whatever limit their state or country sets. Where the two documents disagree, the client's contract with their customer governs and the engagement letter is only the practice's permission to act on it.
The second decision is a bookkeeping one rather than a collections one. An on-ledger charge is a receivable. It needs a tax code and an income account in the client's file, it appears in their revenue, and it changes their aged listing.
A wholesale client on 30 day terms, a professional services client on 14 and a client with one customer who is 90 days late all want different rates, and the practice is administering three sets of somebody else's terms rather than one house rule.
Paidnice holds policies under customer groups inside each client file, so the rule differs per client and per group within that client. Chaser applies one set of late-fee rules, across the account or for selected debtors, with no documented way to run different rules per group.
The United Kingdom is the one market where the rate is not purely contractual: statutory interest and a fixed compensation sum apply to overdue business-to-business invoices, set out in full in late payment fees in the UK.
Because the base rate moves several times a year, a long-overdue invoice can span two or three rates and the correct charge has to be prorated across each period, which is exactly the recalculation a practice should not be doing manually across forty client files.
In the United States there is no federal statutory rate, so each client's own terms govern and the practice is holding a different number for every file.
Should the chase go out under the client's name or the practice's?
The chase reaches the client's customer, so somebody has to decide whose name is on it and where the reply goes.
There are two workable answers and mixing them causes the trouble. Either the chase goes out as the client, from a domain the client has authenticated, with replies landing in the client's own inbox; or it goes out as the practice acting openly on the client's behalf, with replies landing with the practice.
The failure case is a chase that appears to come from the client but replies to the practice, because the customer then finds themselves arguing with somebody who cannot make a decision about their invoice.
Against the five: Paidnice sends by email and SMS from a domain the practice or the client authenticates on Pro, so either pattern can be set per client file.
Satago's standalone Basic plan does not list own-inbox sending, and reaching a practice or client inbox needs the £80 Premium tier. Upflow can send through the practice's own SMTP, though that switches off open and click tracking. BILL sends invoices and its three company-wide reminder templates from its own platform.
How much does it cost to run AR across a client book in 2026?
Published entry prices: Satago £25 a month inside Sage 50, BILL $49 per user, Paidnice £49 (US$69) plus £19 (US$29) per extra client entity, Chaser £199 with multi-entity from £599. Upflow's last published prices were $440 a month for Grow and $880 for Scale. Current prices are hidden and must be requested from Upflow.
Watch the pricing axis rather than the headline. BILL charges per seat, so a practice team of five multiplies the bill before a single client entity is added.
Chaser bands by the client's turnover, so the price steps up as a client grows. Paidnice charges on pooled invoice volume plus a flat fee per entity, which is the only metric here that tracks the shape of a client book directly.
Under five client entities, any of these work and the price barely matters. From five to fifty, the cost of the second and tenth entity is the whole decision. Above fifty, every vendor moves to a quote and the list price stops being useful.
- One to five entities. Paidnice at £49 (US$69) plus £19 (US$29) an entity, or Satago at £25 inside Sage 50 where the clients are UK Sage books and chasing is all that is needed.
- Five to twenty entities. The real head-to-head. Paidnice for a fee policy per client and volume pooled against one plan; Chaser for the white-label channel, credit checks and the wider integration list, at £599 on Core where multi-entity starts.
- Twenty to fifty entities. Chaser Core or Complete where the practice sells credit control as a service and wants one account manager over the whole book. Paidnice where the practice wants the fee and the statement raised inside each client's own file rather than in a separate system.
- Fifty and above. Chaser Custom, Paidnice Custom from $999 (£749), BILL Enterprise, Upflow Scale or above. Compare the entity cost at that volume rather than the list price.
10 client entities on a $69 base plan with $29 for each entity after the first is $69 plus $261, so $330 a month.
The base plan covers the first client entity and every entity after it is charged at the extra-entity rate. Defaults are the Paidnice Essentials plan at $69 a month with entities at $29, in US dollars; the sterling equivalents are £49 and £19.
Invoice volume limits still apply on the base plan, so a busy book may need a higher tier before it needs more entities.
Satago prints its tier prices but not which Sage 50 subscriptions carry the Plus tier at no cost.
Which tools handle installment plans across a client book?
Paidnice (on Pro) and Chaser both schedule installments against an open invoice on a client's ledger. Upflow takes customer-initiated part payments instead, BILL offers recurring invoices rather than installments, and no installment function is documented for Satago.
What decides it for a practice is what chases the plan afterwards, because the answer scales with the number of clients on plans.
Chaser splits an invoice from weekly through to yearly, but its chasing follows the original invoice due date rather than the installment dates, and its own documentation advises chasing the installments manually. Across forty client files that is a recurring manual job somebody has to own.
There is also a fee interaction to warn a client about before a plan is agreed. On Chaser a payment-plan invoice raises no fee at all, so agreeing a plan switches enforcement off on that invoice permanently.
An installment plan is not the same product as invoice finance, and a practice should be clear which one a client is asking for. A plan leaves the receivable and the credit risk on the client's balance sheet. A finance provider settles the invoice and carries the risk itself, which is the second half of what Satago sells.
Which tool covers a mixed-ledger client book?
Most practices run client books across several accounting systems, and the mix removes options faster than the budget does. Only one tool here covers Xero, QuickBooks, the Sage range, NetSuite and Dynamics from a single subscription.
- An all-Xero or all-QuickBooks Online book. Paidnice, Chaser, Satago and Upflow all connect natively, with BILL two-way from the $65 Team tier, so the choice comes down to enforcement grain and entity pricing. See the Xero guide and the QuickBooks Online guide for the wider field on each.
- A book with Sage 50 or Sage 200 in it. Chaser and Satago are the options. Paidnice does not serve Sage 50 or Sage 200, so a Sage-heavy book needs a second tool alongside whatever runs the Xero files.
- A book with Sage Intacct, NetSuite or Dynamics clients. Chaser and Upflow, with BILL on its Enterprise tier. Paidnice only reaches NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central through the Custom plan, as a build.
The practical answer for a firm that will not compromise on either axis is two tools rather than one: the enforcement tool inside the Xero and QuickBooks Online files where most of the fee opportunity sits, and the wider tool over the rest.
To compare the same tools for any business type, read the best credit control software guide, which sets out six tools by size, ledger and price.
Buyer's guide
Best accounts receivable software
The pillar guide, covering the whole category outside practice work.
By ledger
AR software for Xero
The Xero field in full, compared on fee grain and published price.
By ledger
AR software for QuickBooks Online
What a QuickBooks Online company can bolt on, and what each tool charges.
By sector
AR software for MSPs
The other trade that invoices a book of client accounts every month.
Which accounts receivable software for accounting firms fits your use case?
| Use case | Start with | Why | Watch out |
|---|---|---|---|
| Practice selling credit control as a service across a mixed client book | Chaser | White-label option, managed service, Creditsafe checks and the widest ledger list | One set of late-fee rules, not tied to schedules; multi-entity from £599 on Core |
| Different fee and statement policy per client on Xero and QuickBooks Online files | Paidnice | Policies per customer group inside each client file, with $29 (£19) per extra entity | Sage or NetSuite files need a second tool |
| Client wants reminders and statements only, no fees | Paidnice | Reminder sequences per customer group and statements on the schedule the practice sets; a fee policy is optional | The entry tier covers two team members |
| US practice already paying client bills in BILL | BILL | Receivables sit on every tier at no extra subscription | No late fees, statements or payment plans, and the price is per user |
| Advisory engagement on a client's collections metrics | Upflow | Countback DSO and collection effectiveness on dashboards filtered by account manager | No native late fees, and no published price |
| UK practice with Sage 50 clients | Satago | £25 a month inside Sage 50, with credit scores and suggested limits | United Kingdom only, and its late fee sits in reminder emails |
What practices ask before they buy
Which tool should a practice shortlist first?
For a firm selling credit control as a service across a mixed client book, Chaser, from £199 a month with multi-entity from £599. For a firm running enforcement inside client Xero and QuickBooks Online files, Paidnice, from £49 (US$69) a month plus £19 (US$29) per extra client entity. Check current pricing before quoting a client.
Who has to authorize a late fee on a client's ledger?
The client, in writing, before the practice raises anything. The fee is the client's income, it lands on their ledger with a tax code and an income account, and the rate they can charge comes from their own customer contract rather than from the engagement letter.
Most firms put the permission in the engagement letter and run the first month with the charge raised as a Draft document so it can be reviewed before a customer sees it.
Can one subscription cover several client entities?
On three of the five: Paidnice pools invoice volume and charges $29 a month (£19) for each entity beyond the first, and Chaser includes multi-entity from the £599 Core tier. BILL offers it on Enterprise only and bills per user rather than per entity. Upflow and Satago do not document multi-entity coverage.
What does ten client entities cost?
On Paidnice, $69 for the base plan plus $29 for each of the other nine, which is $330 a month before any upgrade for invoice volume. On Chaser it is £599 a month on Core, and on BILL $49 to $89 per practice user with multi-entity on Enterprise by quote. Check current pricing with the vendor.
Does the chase go out as the practice or as the client?
Either, and it should be decided per client before the first sequence runs. Paidnice sends from a domain the practice or the client authenticates on Pro, and Chaser sends from the team's own mailbox with a white-label option and a managed service.
Satago lists own-inbox sending from the £80 Premium tier, Upflow can use the practice's SMTP at the cost of open and click tracking, and BILL sends from its own platform.
Which tools raise the charge on the client's ledger themselves?
Paidnice and Chaser. Paidnice raises an invoice late fee or a statement interest charge as a Draft or Approved document on the client's Xero or QuickBooks Online ledger, set per customer group.
Chaser applies one set of late-fee rules, across the account or for selected debtors, and syncs the line item back to Xero only, while BILL has no native late fee, Upflow points the job to the client's ERP and Satago adds an optional late fee to its reminder emails.
Which tools work with both Xero and QuickBooks Online?
Paidnice, Chaser, Satago and Upflow all connect to both natively. BILL syncs two ways with both from its $65 Team tier, and its $49 Essentials tier is CSV import and export only. For a book that also runs Sage 50, Sage 200, NetSuite or Dynamics, Chaser is the only tool here covering all of them from one subscription.
The client's ledger already sends reminders. What does this add?
Xero and QuickBooks Online each send one reminder from inside the client file and stop. Neither raises interest, escalates by customer group, issues statements on a schedule, or reports collection performance back to the practice across a book of clients.
Sources
12 sources, checked by Julie Turnbridge on November 3, 2026
- Xero's latest US small business data xero.com/us/resources/small-business-insights
- Xero App Store apps.xero.com/uk/app/paidnice
- Capterra capterra.com/p/254868/Paidnice
- Xero App Store apps.xero.com/uk/app/chaser
- G2 g2.com/products/chaser/reviews
- Capterra capterra.com/p/157101/CHASER
- G2 g2.com/products/bill-ap-ar/reviews
- Capterra capterra.com/p/166559/BILL
- G2 g2.com/products/upflow-upflow/reviews
- Capterra capterra.com/p/193097/Upflow
- Xero App Store apps.xero.com/us/app/upflow
- Satago's pricing page satago.com/pricing
