The best accounts receivable software for QuickBooks Online in 2026 is Paidnice for a late fee posted to the ledger per customer group, from £49 (US$69) a month, and Chaser for multi-channel chasing by a named credit controller, from £199 a month. Upflow, Biller Genie, AR Collect and BILL complete the six, from $39.95 a month.
| Tool | Best for |
|---|---|
| Paidnice | A QuickBooks Online business that wants the late fee posted to the ledger, with a different policy per customer group |
| Chaser | A QuickBooks team with a named credit controller that wants email, SMS, letters and calls from one schedule |
| Upflow | A finance team that needs to measure and benchmark collections before it changes how it chases |
| Biller Genie | A US business where card and ACH volume, surcharging and autopay are the real workload |
| AR Collect | A one-person collections desk on QuickBooks Desktop Pro, Premier or Enterprise, at the lowest published entry price here |
| BILL | A business already paying bills through BILL that wants invoicing and ACH collection in the same login |
This page is for small and mid-market businesses on QuickBooks, with revenue up to $50m a year; enterprise order-to-cash platforms are out of scope. Two shortlists share this search, and they are not for the same reader.
The platform layer, where the vendor also processes the money and prices a percentage of what it collects, is a separate guide to AR automation platforms for QuickBooks. If card and ACH volume is the workload rather than the chasing, start there instead.
What is accounts receivable software for QuickBooks, and what is it not?
Accounts receivable software for QuickBooks is an app that sits on the QuickBooks file after the invoice has been sent. It reads what is open and overdue, then chases, charges and posts back to the file, for a monthly price between $39.95 and about $100 on this page.
- Reminders by email, and on some tools SMS, letters and calls, on a schedule set per customer group or for the whole ledger.
- Statements, on a fixed monthly day or a schedule you set, depending on the tool.
- Late fees and interest, raised as an invoice in the file or only calculated on a dashboard. Paidnice, Chaser and Biller Genie apply a charge; the other three do not.
- Payment plans, promises to pay and a payer portal for card and ACH.
- Collections reporting, which Upflow is built around.
It is not QuickBooks itself. QuickBooks Online US already adds one automatic late fee and sends a basic reminder; the app adds a rate that varies by customer group, the chase around the charge and a second charge against the whole overdue balance.
It is not an enterprise order-to-cash platform, which is out of scope here, and it is not a collection agency. Reminders and statements alone are a full use case: AR Collect at $39.95 a month covers exactly that, and a late fee is optional.
How this list was put together
This list helps a QuickBooks Online business choose an app that chases, charges and posts back to the QuickBooks file.
| What we checked | Where the evidence came from |
|---|---|
| QuickBooks connection: Online or Desktop, one-way or two-way | Vendor integration pages and QuickBooks App Store listings |
| Late fees posted to QuickBooks, and at what grain | Vendor help pages |
| Statements, payment plans and a portal | Vendor feature pages |
| SMS reminders | Vendor feature and pricing pages |
| Published from-price | The vendor's pricing page, and the last reported price where it is now hidden |
| Rating and review count | The Xero App Store, G2 or Capterra |
QuickBooks has a finance charge. Here is why teams still buy an app
QuickBooks Online in the United States can add an automatic late fee, as a flat amount or a percentage. Every tool on this page exists because of the three things that feature does not do: it does not chase, it does not vary by customer, and it does not run a second charge against the whole overdue balance.
Take the native feature at face value first, because plenty of businesses never need more than it. It applies one rate to a single overdue invoice. It cannot compound. It cannot hold one rate for a wholesale account and another for a retail one. It has historically not been present in QuickBooks Online Canada at all.
An app adds three things on top. The first is grain: a rate that differs by customer group, so a strategic account and a repeat late payer are not on the same policy.
The second is the chase wrapped around the charge, because a fee raised and never followed up produces a larger receivable rather than a faster one. The third is the second charge type, an interest charge levied per customer against the whole overdue balance, which the native feature has no equivalent for.
Where the charge ends up: in the QuickBooks file, or on a dashboard
A charge reaches your customer's accounts payable, their aged payables report and their next payment run only if it exists as an invoice in QuickBooks. Held inside the app it is a figure on your screen that their AP clerk never sees, and it changes nothing about when they pay.
That is the one thing to test in a demo. Ask to see the charge appear inside the QuickBooks record rather than on the vendor's dashboard. Paidnice posts it as a Draft or an Approved invoice, your choice.
What a finance charge actually comes to
US late fee terms are set by your own contract and capped by state law, so there is no national rate to look up. The arithmetic does not change with the state: the overdue amount multiplied by the annual rate, apportioned over the days it ran late, plus any flat fee your terms allow.
On $5,000 overdue for 45 days at 18%, interest is $110.96 and the flat fee is $25, so the total charge is $135.96.
The charge works better as a prompt to pay than as revenue. Customers prioritize the invoices that cost money to ignore, the software applies it without anybody remembering to, and a collector can credit it deliberately, in writing, in exchange for payment today.
Edition first: what Online, Desktop and Canada each rule out
Three of the six tools are eliminated by an edition rather than by a price. Paidnice, Chaser and Upflow are QuickBooks Online only, so a Desktop business picks between AR Collect, Biller Genie and BILL.
- QuickBooks Online. All six connect, and that is where the similarity ends. Paidnice and Biller Genie write back to the file; BILL writes back from its Team tier and syncs by CSV on Essentials; Upflow reads the file and does not write to it.
- QuickBooks Desktop. AR Collect names Pro, Premier and Enterprise in its terms, connected through the Web Connector. Biller Genie supports it through a separate connector. Paidnice, Chaser and Upflow do not support it at all, which removes three of six options in one line. BILL syncs QuickBooks Pro and Premier from its Team tier and QuickBooks Enterprise on its Enterprise tier.
- QuickBooks Online Canada. Paidnice and Chaser sell into Canada. Biller Genie, AR Collect and BILL are United States only, so a Canadian file has two of the six to choose from.
- QuickBooks plus a second ledger. Chaser has the widest list, adding Sage, NetSuite, Dynamics 365, AccountsIQ and SAP. Upflow adds NetSuite and Sage Intacct. Paidnice adds Xero natively, newer ledgers such as Rillet and Campfire on every plan through its closed testing program, and reaches NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central as a Custom-plan build. BILL adds Xero from its Team tier, and NetSuite, Sage Intacct, Dynamics and Acumatica on its Enterprise tier.
QuickBooks Online Canada and the missing late fee
The automatic late fee that ships in the US version of QuickBooks Online has historically not been available in QuickBooks Online Canada, which leaves a Canadian file adding charges manually or through a connected app.
Of the tools on this page, Paidnice and Chaser serve Canada; Biller Genie, AR Collect and BILL do not. Check the current position inside your own QuickBooks Online account before you rely on it either way.
Six apps for QuickBooks Online: the table
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|---|---|---|---|---|---|---|
| Best for | Late fees posted to QuickBooks per customer group | Multi-channel chasing with a named credit controller | Measuring and benchmarking collections | US card and ACH volume | One-person desk on QuickBooks Desktop or Online | Businesses already paying bills through BILL |
| Revenue fit | Any size up to $50m a year, or 50,000 invoices a year | Compact under £4m, Core from £4m, Complete to £100m | Gross invoice value tiers, up to $10m through above $100m | Under $20m | Under $10m | Not published (priced per user) |
| From (monthly) | $69 | £199 | Not published (Grow last published at $440 a month; current prices hidden, request a quote) | $49.95 plus 0.50% of invoices collected (last reported; now hidden, request a quote) | $39.95 (Online), $49.95 (Desktop) | $49 per user |
| QuickBooks connection | QuickBooks Online, two-way | QuickBooks Online | QuickBooks Online, one-way, polled every 5 minutes | QuickBooks Online and QuickBooks Desktop | QuickBooks Online and QuickBooks Desktop (Pro, Premier, Enterprise) | QuickBooks Online, two-way from the Team tier; CSV sync only on Essentials |
| Late fees | Yes (per customer group) | Yes (one set of late-fee rules) | No (via your ERP only) | Yes (30-day cycle, add-on) | Not listed | No |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | Portal PDF statement, no scheduled send | Yes | Yes (daily, weekly or monthly) | None found |
| Payment plans | Yes (on Pro) | Yes | No (promises to pay only) | Yes (customer requests, you approve) | No (promises to pay only) | No (recurring invoices and auto-charge only) |
| Portal | Yes | Yes | Yes | Yes | Yes | Yes |
| SMS | Yes | Yes (credit-metered) | None found | No | Pricing page lists none; Terms mention SMS (last seen) | None found |
| 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 | Advanced Collections and cash application agents, from suggest-only to autonomous (Collections Agent from Scale, Cash Application Agent from Accelerate) | Basic Reminders + AI module (you approve each send) and a Billie connector for Claude and ChatGPT | None No AI feature found | None No AI in receivables (its AI agents are for payables) | |
| Rated (source, count) | 5.0 (84, Xero App Store) | 4.98 (374, Xero App Store) | 4.8 (235, G2) | 4.8 (27, Capterra) | 4.0 (2, G2) | 4.4 (1,806, G2) |
"Not documented": the vendor does not document the capability. "Not published": the vendor does not print a price. "None found": no evidence either way. Prices are the vendor's published from-price, in the currency the vendor prints, except Biller Genie, whose figure is the last reported by third-party listings.
The six tools in five checked facts
- Four of the six print a monthly price: AR Collect from $39.95, BILL from US$49 per user, Paidnice from £49 (US$69) and Chaser from £199. Upflow and Biller Genie quote.
- Three of the six apply a late fee themselves: Paidnice (per customer group), Chaser (one set of late-fee rules) and Biller Genie (one rule).
- All six connect to both QuickBooks Online and Xero.
- AI that handles collections work or customer replies: Paidnice and Upflow. AI that drafts reminders for approval: Biller Genie. No AI in receivables: AR Collect and BILL.
Best accounts receivable automation software for QuickBooks Online small business
Under about $10m on QuickBooks Online the shortlist is three: AR Collect at $39.95 if reminders and statements are enough, Paidnice at £49 (US$69) if the late fee must land on the ledger, Biller Genie at a last reported $49.95 plus 0.50% (now hidden, request a quote) if card volume is the workload.
| Need | Pick | Entry price | Why |
|---|---|---|---|
| Reminders and statements only | AR Collect | $39.95 a month ($49.95 on Desktop) | Cheapest published entry price on this page; 30-day trial with no card |
| A late fee raised on the QuickBooks ledger | Paidnice | £49 (US$69) a month | Fee posts as a Draft or Approved invoice, with a different policy per customer group |
| Card and ACH volume is the workload | Biller Genie | $49.95 a month plus 0.50% of invoices collected (last reported; now hidden, request a quote) | Payments stack with autopay and a portal |
Which of the three fits depends on whether the business needs a charge raised against late payers, or only the chasing.
1. Paidnice, best for ledger-posted late fees
Best for: QuickBooks Online businesses that need the late fee on the ledger, any size up to $50m a year, or 50,000 invoices a year.
What is Paidnice best for?
For a QuickBooks Online business that wants a late fee or an interest charge raised on the ledger automatically, with a different policy for each customer group.
- Fits
- QuickBooks Online and Xero businesses of any size up to $50m a year, or 50,000 invoices a year, with or without a dedicated collections person
- 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. Customers are billed in their own currency from a fixed local price table rather than a conversion. Payment plans and sending from your own domain start on Pro.
- Rated
- 5.0 from 84 Xero App Store reviews; 4.9 from 14 on Capterra; 4.7 from 29 on Trustpilot
- Awards
- Xero Global Small Business App of the Year 2025 and NZ Small Business App of the Year 2026
- Runs on
- QuickBooks Online, Xero, Stripe, Pinch Payments, CloudDepot, HubSpot, Pipedrive, Zapier. Newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo on every plan through the closed testing program. No QuickBooks Desktop. Sage Accounting and other ERPs, including NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central, on the Custom plan only
- Late fees and interest
- Yes. Two charge types on the same customer group, an invoice late fee charged per overdue invoice and a statement interest charge against the whole overdue balance, flat, percentage or compounding, with compounding on by default
Paidnice attaches to the QuickBooks Online file and works the invoice lifecycle after the invoice has been sent.
Its reminder types map onto the stages of that lifecycle rather than onto a generic ladder: the run-up to the due date, the due date itself, an invoice that has been edited, the statement, the overdue notice, and a warning that a late fee is about to be added.
Statements go on the schedule you set, consolidated where a parent account carries several child companies, and everything sends by email and SMS. Paidnice sends from your own domain (Pro) or through a connected Gmail or Outlook (Microsoft 365) mailbox, and Essentials sends from outbound@paidnice.com.
The charge is raised in QuickBooks as a Draft or an Approved invoice. Approved, it enters the customer's payables and their next payment run; Draft, it waits inside your file for someone to approve it.
Two charge types run against the same customer group, a fee per overdue invoice and an interest charge per customer against the whole overdue balance, and the interest figure is computed when the statement leaves rather than at the last policy run, on the balance after any credit on the account.
Installment plans and prompt payment discounts hang off the same customer groups, so a customer on a plan follows the plan dates. Payment plans start on Pro. The vendor reports customers having 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. There is no QuickBooks Desktop support at all, so a Desktop business cannot use it. Sage Accounting and other ERPs, including NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central, connect on the Custom plan as a build rather than a standard connector.
Paidnice matches payments through Xero and QuickBooks Online and Stripe; bank-file matching is not documented. The entry tier covers 150 invoices and two team members, and some payment features differ between QuickBooks and Xero. On criterion 4, Chaser's 4.98 from 374 reviews beats the 5.0 from 84 above.
2. Chaser, best for the deepest chasing
Best for: QuickBooks teams that want the deepest chasing.
Entry tier priced for turnover under £4m
What is Chaser best for?
For a finance team with a named credit controller that wants email, SMS, letters and automated calls chasing from one schedule on top of QuickBooks.
- Fits
- Businesses with a named credit controller running QuickBooks Online; Compact is priced for turnover under £4m, Core from £4m, and the tiers run to £100m
- Regions
- UK-registered, trading since 2014, sells worldwide
- Entry cost
- £199/mo on Compact for turnover under £4m with 4 users; Core £599/mo under £10m; Complete £899/mo to £100m. Prices are in GBP. Chaser lists a 10-day free trial on the Xero App Store.
- Rated
- 4.98 from 374 Xero App Store reviews; 4.3 from 71 on G2; 4.9 from 45 on Capterra, though that base is mostly 2020 to 2022
- Awards
- Finalist, UK Small Business App Partner of the Year, Xero Awards 2023
- Runs on
- QuickBooks, Xero, Sage 50, Sage 200, Sage Intacct, Sage Business Cloud Accounting, NetSuite, Dynamics 365, AccountsIQ, SAP, HubSpot, Gmail, Outlook
- Late fees and interest
- Yes. Four calculation types, recalculated daily, but one set of late-fee rules, across the account or for selected debtors, not tied to schedules, and 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 of the fee is Xero only
- Customers
- Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered.
Chaser has been in the market since 2014 and sends reminders from the team's own Gmail or Outlook mailbox, adding SMS, printed letters, a one-way automated call, a payer portal and integrated collections through a partner. Every channel except email is metered by credits, so the running cost moves with how hard you chase.
Schedules run before the due date, after it, and after payment, and only the final overdue step repeats. On top of that sit recommended chase times. The credit checking that makes Chaser distinctive is a UK bureau product, so a US-only QuickBooks business is buying the chasing, not the risk data. Credit checks are sold by credit on any plan; they need Chaser billing, not Xero App Store billing, and monitoring is not offered in Australia.
Limitations with Chaser. One set of late-fee rules with no documented way to run different rules per group. Chaser's help says a late fee cannot be added or updated after a part payment when written to Xero. The line-item sync that writes the fee back is built for Xero, so a QuickBooks business gets the calculation without the posting.
Its installment plans are chased against the original invoice due date rather than the installment dates, which its own documentation says to handle manually. Statements go monthly only, on a fixed day, Compact caps the team at four users, and the price is banded by company turnover and quoted in pounds.
3. Upflow, best for analytics-led finance teams
Best for: Analytics-led finance teams on QuickBooks.
Five gross invoice value tiers from up to $10m to above $100m
What is Upflow best for?
For a finance team whose real problem is that nobody can measure collections, and that wants the ledger benchmarked before it changes anything about how it chases.
- Fits
- Finance teams priced in five tiers by gross invoice value, from up to $10m to above $100m. The free tier is analytics only and runs no collection automation
- Regions
- Founded in Paris in 2018, headquartered in New York, sells worldwide
- Entry cost
- Current prices are hidden; Upflow's last published prices were $440 a month for Grow and $880 for Scale. A free Discover tier gives analytics and benchmarking with no automation, then Starter, Grow, Scale, Accelerate and Enterprise are quoted by gross invoice value.
- Rated
- 4.8 from 235 G2 reviews; 4.5 from 15 on Capterra; 5.0 from a single review on its Xero App Store listing
- Awards
- None found
- Runs on
- QuickBooks, NetSuite, Sage Intacct, Xero, Stripe Billing, Chargebee, Zuora
- Late fees and interest
- None found. Late fees are applied on the ERP side, with no calculation of its own
- Customers
- Named on its website: Lattice, Vercel and Front. Lattice's case study reports 99% collection with one person in AR.
Upflow is the measurement product in this group. It reads the ledger, scores customer payment behavior, and gives a finance team the collections numbers most of them cannot produce from QuickBooks on their own. The customer portal handles online payment, autopay against several saved methods, disputes and customer-set promises to pay. 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.
The trade is that it does not enforce. There is no fee engine, no installment schedule, and the free tier chases nobody at all. On a QuickBooks page this matters twice over, because the QuickBooks connection is the thinnest here.
Limitations with Upflow. The QuickBooks connection is one-way and polled every five minutes rather than driven by webhooks, payments land in Undeposited Funds and need reconciling manually, and only three text-only custom fields carry across. Automatic actions fire once a day, on business days only.
There are no late fees, no installment plans beyond a promise to pay and an ad-hoc partial payment, and its last published prices were $440 a month for Grow and $880 for Scale, and current prices are hidden and must be requested from Upflow. Reviewers report the reporting is rigid when they want to slice the data their own way.
4. Biller Genie, best for card and ACH
Best for: US businesses where card and ACH volume is the workload, under $20m.
What is Biller Genie best for?
For a US business whose receivables problem is really a payments problem: getting cards and ACH accepted, surcharged correctly and reconciled back to QuickBooks.
- Fits
- US businesses moving real card and ACH volume on QuickBooks Online or Desktop, under $20m
- Regions
- United States
- Entry cost
- Biller Genie's last reported price was $49.95 a month plus 0.50% of invoices collected. Its pricing page says no long-term contracts. Current prices are hidden and must be requested. G2 and Capterra list $24.95 a month as a starting price. Third-party listings also report ACH as an add-on from $20/mo plus a $25 setup fee and $0.50 a transaction, and paper mail at $1.50 a reminder.
- Rated
- 4.8 from 27 Capterra reviews; 3.0 from 4 on G2; 2.33 from 3 on its Xero App Store listing
- Awards
- None found
- Runs on
- QuickBooks Online, QuickBooks Desktop, Xero, AccountingSuite
- Late fees and interest
- Available as a paid add-on, on a fixed 30-day cycle only. An invoice is not treated as late until 30 days past due, fees then recur every 30 days and stack, and there is no interest calculation
Biller Genie sits between the QuickBooks invoice and the payment. Its six reminder types follow the invoice through its life rather than counting days from a start point: one before the due date, one on it, one when the invoice is edited, the statement, the overdue notice, and a warning that a late fee is coming.
The portal carries autopay with per-customer thresholds, bulk invoice grouping and failure handling. Behind it sits the deepest US payments stack on this page: named gateways including USAePay, Maverick, Sola, Authorize.Net, Elavon and PayPal, surcharging and dual pricing with their own checkout flows, a virtual terminal and check capture.
The QuickBooks Online connection is two-way, over webhooks plus a scheduled background job, and QuickBooks Desktop is covered through a separate connector.
Limitations with Biller Genie. It pushes its own merchant services, though its site and docs say you can connect your own gateway, and the last reported price includes a percentage of everything you collect. Reminder timing is one global cadence that cannot be varied per customer.
There is no SMS. Late fees are an add-on locked to a 30-day cycle with no interest. Reviewers report sync delays, and two of the three Xero App Store reviews give 1 star.
5. AR Collect, best for a one-person desk
Best for: A one-person collections desk on QuickBooks Desktop or Online, under $10m.
What is AR Collect best for?
For a single collector, or a small in-house team, working the ledger every day, and for any business still on QuickBooks Desktop.
- Fits
- A single collector or a small in-house team working the ledger daily, under $10m
- Regions
- United States
- Entry cost
- On QuickBooks Online, $39.95/mo for 500 open invoices, $59.95 for 1,500 and $99.95 for 5,000; on QuickBooks Desktop, $49.95, $69.95 and $99.95; $199.95 for 10,000 across both. Extra users $4.95 each, extra company $29.95 (Online) or $35.95 (Desktop). A 30-day unrestricted trial with no card.
- Rated
- A thin public base: 2 reviews on Trustpilot from 2026, plus 4.0 from 2 on G2 and 5.0 from 1 on Capterra, both from 2022. Its Xero App Store listing has no reviews yet
- Awards
- None found
- Runs on
- QuickBooks Online and QuickBooks Desktop Pro, Premier and Enterprise through the Web Connector; Xero, listed April 2025
- Late fees and interest
- Not listed. AR Collect's pricing page lists no SMS; its Terms mention SMS (last seen). Late fee, interest and payment plan functions are not listed
AR Collect is a workspace rather than an engine. Customers sit in groups, each group linked to a template series and a schedule, with advance reminders and past-due notices triggered by days overdue, plus a bulk send to every past-due customer with filters. Statements go daily, weekly or monthly with the invoice PDFs attached.
Promises to pay are the core record: capture the amount and the date, get commitment reports by date range and exception reports on the ones that were missed, and feed the whole thing into a cash flow forecast.
Card and ACH payment runs through the portal, with surcharging available and no card fee added by the vendor. It has the lowest published entry price on this page.
Limitations with AR Collect. Late fees and interest are not listed, its pricing page lists no SMS (its Terms mention SMS, last seen), and it has no installment plans and no cash application.
Five public reviews in total, three from 2022 and two on Trustpilot from 2026, which is too small a base to read as a quality signal. The vendor publishes no company information at all, so founders, headquarters and funding are unknown. There is no API.
6. BILL, best for paying bills through BILL
Best for: A business already paying bills through BILL that wants invoicing and ACH on the same platform.
What is BILL best for?
For a business that already runs payables through BILL and wants invoices, three reminders and ACH or card collection inside the same login, with no late fee, statement or installment plan requirement.
- Fits
- Businesses of any size already on BILL for payables; revenue band not published, and the per-user price scales with headcount rather than ledger size
- Regions
- United States; founded 2006, San Jose, California, listed on the NYSE
- Entry cost
- $49 per user per month on Essentials, $65 on Team, $89 on Corporate, Enterprise on quote, plus transaction fees: ACH $0.59, cards 2.9%, instant transfer 1.25% ($1 minimum), mailed check $1.99. The Essentials tier syncs by CSV only; two-way QuickBooks Online sync starts on Team.
- Rated
- 4.4 from 1,806 G2 reviews; 4.1 from 563 on Capterra; 1.6 ("Bad") from 1,679 on Trustpilot, where payment holds and support dominate
- Awards
- None found for the receivables product
- Runs on
- QuickBooks Online, Pro, Premier and Xero two-way from Team; NetSuite, Sage Intacct, Dynamics, Acumatica and QuickBooks Enterprise on the Enterprise tier only
- Late fees and interest
- No. The only late fees BILL shows are ones created in QuickBooks Desktop and synced in
- Customers
- Named on its website (mostly payables): Marine Layer, KiwiCo and Spikeball.
BILL is a payables platform with a receivables module attached. Invoices are created in BILL from templates, sent by email or US mail on a schedule, and paid through a customer portal or a payment link by ACH, card or instant transfer.
Auto-charge runs cards immediately and bank debits the next business day. Payment reconciliation flows back through the two-way accounting sync on Team and above.
Reminders are the collections layer: up to three automatic reminder templates, configured once for the whole company, off by default, with defaults at 30, 60 and 90 days after due.
The timing cannot be changed for one customer, and a reminder goes to every contact on any invoice with a balance, including partially paid ones. Everything BILL has built in AI sits on the payables side.
Limitations with BILL. No late fees, interest, statements, installment plans or estimate reminders. Three reminders company-wide with no per-customer timing. The $49 entry tier syncs by CSV only, so two-way QuickBooks Online needs the $65 Team tier.
The price is per user and transaction fees sit on top. The vendor is reported to have cut about 30% of its workforce in June 2026, and its AI investment is on payables.
Does BILL handle accounts receivable on QuickBooks Online?
BILL runs invoicing, three company-wide reminders and ACH or card collection on QuickBooks Online from $49 per user per month, with two-way sync only from the $65 Team tier. It applies no late fees, statements or installment plans.
It is thin at the back. Reminders are capped at three company-wide templates, off by default, and fire to every contact on any invoice with a balance.
What does AR Collect cover on QuickBooks Online?
AR Collect connects to QuickBooks Online and QuickBooks Desktop Pro, Premier and Enterprise, prices from $39.95 a month ($49.95 on Desktop) by open-invoice count, and covers reminders, statements, promises to pay and a portal. Late fees and interest are not listed, its pricing page lists no SMS, and it has no installment plans.
On QuickBooks Online it is the cheapest published entry price on this page and the only tool that carries the same product across to Desktop, which matters for a business planning a migration between the two. Customer groups each carry a template series and a schedule, so reminder timing varies by group, which BILL and Biller Genie cannot do.
What QuickBooks Online users say about Paidnice
Paidnice rates 5.0 from 84 reviews on the Xero App Store, 4.9 from 14 on Capterra and 4.7 from 29 on Trustpilot. Its QuickBooks App Store listing shows 5.0 from 14 ratings.
The review base sits mostly on the Xero side, because that is where the product started, and a QuickBooks Online buyer should read those reviews as a report on the same reminders, statements and late fee settings connected to a different ledger. Reviewers name the support team by name, which fits a small vendor founded in 2022.
The negatives on record are specific. A Capterra reviewer called setup "still a bit clunky and not intuitive enough". Another asked for a bulk way to remove late fees once applied, which is the price of raising the fee on the ledger as a real invoice. Neither review disputes the collection result.
Two-way, one-way, polled: what the connection direction changes
All six tools say they integrate with QuickBooks Online. Four different things are meant by that, and the difference decides whether your ledger stays the system of record.
- Two-way, event-driven. Paidnice and Biller Genie write back into the file. A fee becomes an invoice in QuickBooks; a payment taken through the portal returns as a payment against it. Biller Genie runs on webhooks plus a scheduled background job.
- One-way, polled. Upflow reads the ledger on a five-minute poll rather than on a webhook, and carries only three text-only custom fields across. It reports on the file and does not change it, which is exactly right if measurement is what you are buying.
- Write-back with a gap in it. Chaser raises the fee, but the line-item sync that posts it back is built for Xero, so a QuickBooks business ends up with the calculation and not the document.
- Tier-gated. BILL syncs two-way with QuickBooks Online from its $65 Team tier. On the $49 Essentials tier the connection is a CSV import and export, so the file and the app agree only as often as somebody runs it.
Undeposited Funds, and the reconciliation work an app can create
A connection that takes payments has to put them somewhere. On the Upflow link they land in Undeposited Funds and are reconciled manually.
That is standard QuickBooks behavior rather than a fault in the app, and it is also a recurring cost that nobody prices during a demo. Every payment arriving through the tool becomes a line waiting in Undeposited Funds until somebody matches it against the deposit that shows up on the bank feed.
Upflow's poll runs every five minutes, so its reading is close to current, while its automatic actions fire once a day on business days only, so its acting is not.
What each one costs, and what it costs as you grow
Published entry prices: AR Collect $39.95 a month ($49.95 on Desktop), Paidnice £49 (US$69) a month, Chaser £199 a month. BILL is $49 per user a month. Biller Genie's last reported price was $49.95 a month plus 0.50% of invoices collected. Current prices are hidden and must be requested.
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.
On a QuickBooks file with real card volume the metric matters more than the headline figure. At its last reported price of $49.95 a month plus 0.50% of everything collected, Biller Genie's cost rises with the amount a business collects.
Paidnice charges by invoice volume on a flat tier with no per-seat fee above the entry plan. Upflow removed its prices from its site and quotes five tiers by gross invoice value, and its free tier is a benchmarking product rather than a trial of the automation.
BILL is the one tool here priced by headcount: $49, $65 or $89 per user a month, plus ACH at $0.59 a transaction and cards at 2.9%. A three-person office on the Team tier pays $195 a month before any invoice is chased.
Upflow offers a free Discover dashboard tier and a 14-day free trial on its Xero App Store listing; its pricing page lists no trial. Chaser offers a free trial (10 days on the Xero listing) or a conversation with an expert.
Which AR automation tools lead for QuickBooks Online in 2026?
The 2026 shortlist is Chaser for multi-channel chasing, Paidnice for a late fee posted per customer group, Upflow for measurement, Biller Genie for card and ACH volume, AR Collect for QuickBooks Desktop, and BILL for a business already on BILL payables.
From 2025 to 2026 the names held and the prices moved: BILL rose, Upflow withdrew its price list, and Biller Genie took its price off its own site.
BILL's per-user tiers now print at $49, $65 and $89, up from $45, $55 and $79. Upflow quotes five tiers by gross invoice value. AR Collect's review record dates from 2022 apart from two Trustpilot reviews in 2026.
Two changes to watch into 2027. BILL is reported to have cut about 30% of its workforce in June 2026, and its AI spend is on payables, so its receivables module shows no sign of new investment.
Which accounts receivable software for QuickBooks fits your use case?
| Use case | Start with | Watch out |
|---|---|---|
| QuickBooks Desktop Pro, Premier or Enterprise | AR Collect | Late fees not listed; pricing page lists no SMS; no payment plans |
| Late fee raised on the QuickBooks Online ledger per customer group | Paidnice | No Desktop; Essentials covers 150 invoices and two team members |
| Multi-channel chasing with a named credit controller | Chaser | Fee posts back on Xero only; £199 a month |
| Measure collections before changing how you chase | Upflow | One-way connection, no late fees, quote only |
| Card and ACH volume is the workload | Biller Genie | Last reported price takes 0.50% of collections |
| QuickBooks Online Canada | Paidnice or Chaser | Biller Genie, AR Collect and BILL are US only |
Questions from QuickBooks users
What is the best AR automation software for QuickBooks Online?
Paidnice, from £49 (US$69) a month, for a business that wants the late fee raised on the QuickBooks ledger with a different policy per customer group. Chaser, from £199 a month, for a team with a named credit controller that wants email, SMS, letters and calls from one schedule.
Biller Genie fits a business where card and ACH volume is the real workload; it was last reported at $49.95 a month plus 0.50% of invoices collected, and now hides its prices, so request a quote.
Can QuickBooks Online charge automatic late fees?
QuickBooks Online US can add one automatic late fee as a flat amount or a percentage. It cannot vary the rate by customer, compound interest, or apply a separate charge against a whole overdue balance. Those are the gaps the tools on this page fill.
Does QuickBooks Online Canada support automatic late fees?
The automatic late fee that ships with QuickBooks Online US has historically not been available in QuickBooks Online Canada, so Canadian businesses add late fees manually or use a connected app. Paidnice is the tool on this page that serves Canada.
Which AR automation tools work with QuickBooks Desktop?
AR Collect, Biller Genie and BILL: AR Collect names QuickBooks Desktop Pro, Premier and Enterprise in its terms, connected through the Web Connector, and Biller Genie uses a separate connector. BILL syncs QuickBooks Pro and Premier from its Team tier and QuickBooks Enterprise on its Enterprise tier. Paidnice, Chaser and Upflow are QuickBooks Online only.
How much does AR automation for QuickBooks cost?
AR Collect publishes $39.95 a month for 500 open invoices on QuickBooks Online, $59.95 for 1,500 and $99.95 for 5,000 ($49.95, $69.95 and $99.95 on Desktop), plus $4.95 per extra user.
Paidnice publishes £49 (US$69) a month on Essentials and £74 (US$99) on Pro, Chaser £199, £599 and £899 a month by turnover band, and BILL $49, $65 and $89 per user a month.
Biller Genie was last reported at $49.95 a month plus 0.50% of invoices collected, and now hides its prices, so request a quote; Upflow's last published prices were $440 a month for Grow and $880 for Scale, and current prices are hidden.
Do I still need AR automation if QuickBooks sends reminders?
QuickBooks Online sends a basic reminder and applies one late fee in the US version, then stops. It does not escalate by customer, issue statements on a schedule, run installment plans or report on collection performance. The charge that follows the reminder is what changes when a customer pays.
Which tools run payment plans on QuickBooks Online?
Paidnice (on Pro), Chaser and Biller Genie run payment plans, and on Biller Genie the customer requests one and you approve it. Upflow and AR Collect record promises to pay only, and BILL offers recurring invoices and auto-charge. Chaser chases a plan against the original due date, while a Paidnice customer on a plan follows the plan dates.
For tools on other ledgers, the credit control software buyer’s guide compares six tools across Xero, QuickBooks Online, Sage, NetSuite and Business Central.
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Sources
18 sources, checked by Julie Turnbridge on November 3, 2026
- Xero App Store apps.xero.com/uk/app/paidnice
- G2 g2.com/products/upflow-upflow/reviews
- Capterra capterra.com/p/176347/Biller-Genie/reviews
- G2 g2.com/products/arcollect/reviews
- G2 g2.com/products/bill-ap-ar/reviews
- Capterra capterra.com/p/254868/Paidnice
- Trustpilot trustpilot.com/review/paidnice.com
- Xero App Store apps.xero.com/uk/app/chaser
- G2 g2.com/products/chaser/reviews
- Capterra capterra.com/p/157101/CHASER/reviews
- Capterra capterra.com/p/193097/Upflow
- Xero App Store apps.xero.com/us/app/upflow
- G2 g2.com/products/biller-genie
- Xero App Store apps.xero.com/us/app/biller-genie
- Capterra capterra.com/p/233202/AR-Collect
- Xero App Store apps.xero.com/us/app/ar-collect
- Capterra capterra.com/p/166559/BILL
- Trustpilot trustpilot.com/review/bill.com
