The best accounts receivable software for Xero in 2026 is Paidnice, for a Xero organisation that wants late fees and interest posted to the ledger, with a different policy per customer group. Chaser, Upflow, Satago, ezyCollect and Kolleno complete the six, compared on whether the tool applies late fees and interest to the Xero ledger itself and at what grain.
Prices from £45 a month.
| Tool | Best for | |||||
|---|---|---|---|---|---|---|
| Best for | Late fees per customer group posted to Xero | Creditsafe checks, SMS and letters | Measuring collections before changing them | UK credit reports plus invoice finance | Australian and New Zealand trade credit data | Cash application alongside an ERP |
| Paidnice | A Xero organisation that wants late fees and interest posted to the ledger, with a different policy per customer group | |||||
| Chaser | A Xero team with a named credit controller that wants Creditsafe checks, SMS and letters in the same tool | |||||
| Upflow | A Xero organisation that wants its collections measured, with countback DSO and effectiveness, before it changes how it chases | |||||
| Satago | A UK Xero business that wants credit reports and invoice finance from the provider that runs its chasing | |||||
| ezyCollect | An Australian or New Zealand wholesaler on Xero that wants Experian credit data, demand letters and collections referral | |||||
| Kolleno | An order-to-cash team running Xero alongside an ERP whose bottleneck is cash application |
Xero Small Business Insights, June 2026. UK small businesses wait 29.3 days to be paid, against 29.6 a year earlier; Australian small businesses wait 20.3 days, against 24.6. Every market still settles past due, from 4.3 days late in Australia to 11.4 in Canada, and that gap is the job an accounts receivable tool is bought to close.
What is accounts receivable software for Xero, and what is it not?
Accounts receivable software for Xero is an app from the Debtor Management category of the Xero App Store. It connects to a Xero organisation, reads the open and overdue invoices and writes back to it, picking up the work that starts where Xero's own invoice reminder ends.
- Escalating reminders by email and SMS, and on some tools letters and calls, sent from an address the customer recognises.
- Statements on a schedule, consolidated across parent and child accounts on Paidnice.
- Late fees and interest written back as a Xero invoice, Draft or Approved. Paidnice and Chaser do this; the other four do not.
- Credit insight before terms are agreed, from Creditsafe, Experian or the vendor's own scoring.
- Payment plans and a customer payment portal.
It is not Xero. Xero raises the invoice and sends a reminder on the schedule you set, and the request to add interest to late invoices has been open on its ideas board since 29 March 2012.
It is not a collection agency or a lender. ezyCollect can refer an account to a collections partner and Satago offers invoice finance, but both sit beside the chasing. Kolleno and Upflow go further into cash application and collections analytics.
Reminders and statements alone are a full use case. A late fee is optional, and on a UK business-to-business invoice the statutory rate of 8% above the Bank of England base rate sets the floor.
How this list was put together
This list helps a Xero organisation choose an app from the Debtor Management category that chases, charges and writes back to Xero.
| What we checked | Where the evidence came from |
|---|---|
| Xero App Store listing and rating | The Xero App Store Debtor Management category, with each score read beside its review count |
| Late fee grain, and whether the charge is posted to Xero | Vendor help pages on fees and interest |
| Statements, payment plans and a portal | Vendor feature pages |
| Credit checks | Vendor product pages |
| Ledgers beyond Xero | Vendor integration pages |
| Published from-price | The vendor's pricing page, and the last reported price where it is now hidden |
What Xero does when an invoice goes past due, and what it will not do
Xero raises the invoice and sends an invoice reminder on the schedule you set. It stops there. It does not change tone as the debt ages, it does not charge anything for the delay, and it does not tell you which customer is drifting toward bad debt.
Xero draws that boundary itself. The apps that pick the job up are filed under Debtor Management in its own app store, and everything in that category starts where the reminder ends.
The request posted to Xero in 2012 and still not built
The request "Sales Invoices - Add interest to late invoices (including paid/part-paid Invoices)" was posted to the Xero ideas board on 29 March 2012. It carries 1,118 votes. Xero's most recent response, dated 7 July 2025, states that there are no committed plans.
The ideas board record for interest on late invoices. Source: Xero ideas board, invoices and quotes forum.
The consequence for a Xero business is narrow and specific. Every interest calculation against a Xero ledger is done either in a spreadsheet and raised as a manual invoice, or by an app connected to the organisation. There is no third route, which is the reason this app category exists at all.
Six apps from Xero's Debtor Management category: the table
 |
 |
 |
 |
 |
 |
|
|---|---|---|---|---|---|---|
| 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 | Not published | Not published | Under £1m on BusinessPay, tiers to £1bn and above |
| From (monthly) | £49 | £199 | Not published | £45 standalone (£25 inside Sage 50) | A$275 on annual billing, plus setup from A$900 (last published; current prices hidden and must be requested) | $650 per user |
| Beyond Xero | QuickBooks Online and newer ledgers such as Rillet and Campfire (closed testing) on every plan; NetSuite, Sage Intacct, Sage Accounting, MYOB, Dynamics 365 Business Central on Custom | QuickBooks, Sage 50, Sage 200, Sage Intacct, NetSuite, Dynamics 365 Business Central, SAP, AccountsIQ | QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora | Sage, Sage 50, QuickBooks, KashFlow, FreeAgent | MYOB, NetSuite, Sage 300, Sage Intacct, SAP Business One, Pronto Xi; QuickBooks logo on homepage, no connector page | NetSuite, SAP, Sage Intacct, Business Central, Workday, Oracle JD Edwards, QuickBooks Online |
| Late fee grain | Yes (per customer group) | Yes (one set of late-fee rules, across the account or for selected debtors) | No (via your ledger only) | Optional, added to reminder emails | None found | None found |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | Portal PDF statement, no scheduled send | Yes | Yes (monthly) | Yes (in the portal) |
| Payment plans | Yes (on Pro) | Yes (chased on the invoice due date) | No | Not documented | Yes (enabled by support) | Yes |
| Portal | Yes | Yes | Yes | Not documented | Yes | Yes |
| Credit checks | Yes: native checks from payment behaviour, plus Creditsafe via API on the Custom plan | Yes (Creditsafe) | Yes (light scoring) | Yes (credit reports and limits) | Yes (Experian data) | Yes (AI scores, bureau integrations) |
| 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 (Scale plan and up; Cash Application Agent on Accelerate) | None No AI feature found | Basic an AI email template generator as a paid add-on | Advanced Insights, Copilot drafts and an autonomous Agent; fully automated agent runs are billed separately by token usage | |
| Rated (source, count) | 5.0 (84, Xero App Store) | 4.98 (374, Xero App Store) | 4.8 (235, G2) | 4.93 (92, Xero App Store) | 4.9 (35, Xero App Store AU) | 4.9 (117, G2) |
"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 six tools in five checked facts
- Four of the six print a monthly price: Satago from £45 (£25 inside Sage 50), Paidnice from £49 (US$69), Chaser from £199 and Kolleno from US$650. Upflow and ezyCollect do not publish one.
- Each published price grows with something different: a flat tier (Satago), invoice volume (Paidnice), revenue band (Chaser) and users (Kolleno).
- Two of the six apply a late fee themselves: Paidnice (per customer group) and Chaser (one set of late-fee rules).
- All six connect to Xero. Five of the six connect to QuickBooks Online; ezyCollect shows a QuickBooks logo on its homepage but no connector page.
- AI that handles collections work or customer replies: Paidnice, Upflow and Kolleno. AI that scores or predicts only: ezyCollect. No AI in receivables: Satago.
We checked each tool's own pricing, integration and help pages. "None found" in the data means the vendor's pages do not show the feature.
1. Paidnice, best for customer-group late fees
Best for: A Xero organisation that wants late fees and interest applied per customer group, any size up to $50m a year, or 50,000 invoices a year.
What is Paidnice best for?
For a business on Xero that wants reminders, statements and late fees running per customer group, with the fee posted straight back to the ledger.
- Fits
- Businesses on Xero and QuickBooks Online of any size up to $50m a year, or 50,000 invoices a year, with or without a credit controller
- Regions
- United Kingdom, Australia, New Zealand, United States, Canada, South Africa
- Entry cost
- £49 (US$69) a month on Essentials, covering 150 invoices, 600 emails and up to 2 team members; £49 (US$69) and A$99 in local price tables, not converted; Pro from £74 (US$99) a month with unlimited users and no per-seat fee.
- Rated
- 5.0 from 84 Xero App Store reviews; 4.9 from 14 on Capterra · Xero App Store listing
- Awards
- Xero Global Small Business App of the Year 2025 and NZ Small Business App of the Year 2026
- Runs on
- Xero, QuickBooks Online, Stripe, Pinch Payments, CloudDepot, HubSpot, Pipedrive, Zapier. Newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo on every plan through Paidnice's closed testing program. NetSuite, Sage Intacct, Sage Accounting, MYOB and Dynamics 365 Business Central, and other ERPs, on the Custom plan only
- Late fees and interest
- Yes. Flat, percentage and compounding charges, with a Bank of England base rate toggle for UK invoices, raised in Xero as Draft or Approved. Policies sit under customer groups, so several run at once
- Does best
- Two charge types on the same customer group, an invoice late fee and a statement interest charge, both posted to the Xero ledger
Paidnice was built on Xero first, in 2022, to generate late fees rather than as a chasing suite that added them later.
Connect the Xero organisation and it evaluates every invoice against your policies, then runs the sequence: reminders and statements from your own authenticated domain by email and SMS, statements including consolidated parent and child accounts, payment plans, a customer payment portal, and escalation through manual task workflows. Payment plans and sending from your own domain start on Pro.
The vendor reports customers having half as many late invoices in the first 30 days.
The statement interest figure is computed when the statement leaves rather than at the last policy run, on the balance after any credit sitting on the account, so a payment received yesterday is already reflected in what the customer opens. Compounding is the default setting and simple interest is a deliberate choice.
Limitations with Paidnice. Beyond Xero it reaches QuickBooks Online on every plan, and newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo through its closed testing program; Sage Accounting and other ERPs are a Custom-plan build.
Some payment features differ between the two ledgers, and the entry tier covers two team members.
2. Chaser, best for Creditsafe checks
Best for: Xero teams that want Creditsafe credit checks in the same tool, under £4m on Compact.
What is Chaser best for?
For a Xero finance team with a named credit controller that wants credit checks, SMS and letters chasing from the same system as the reminders.
- Fits
- Businesses with a named credit controller; Compact is for revenue under £4m, Core from £4m and Complete to £100m
- Regions
- UK-registered, trading since 2014, sells worldwide. Automated calls are not available in New Zealand
- Entry cost
- £199/mo on Compact for revenue under £4m with 4 users; Core £599/mo under £10m; 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 · Xero App Store listing
- Awards
- Finalist, UK Small Business App Partner of the Year, Xero Awards 2023
- Runs on
- Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, Sage Business Cloud Accounting, NetSuite, Dynamics 365 Business Central, AccountsIQ, SAP, HubSpot, Gmail, Outlook
- Late fees and interest
- Yes. Four calculation types including a Bank of England base rate type, recalculated daily, but 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 of the fee is Xero-only
- Does best
- Creditsafe credit checking and monitoring in the same tool as email, SMS and letter chasing
- Customers
- Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered.
Reminders go out through the team's own Gmail or Outlook mailbox, with SMS, posted letters, one-way automated calls, a payer portal and a route into collections through a partner network. Every channel except email is metered in credits, so a hard chasing month costs more than a quiet one.
A Creditsafe report sits inside the tool, with a score, a recommended limit, and continuous monitoring, which is the capability a Xero organisation cannot get from the ledger at any price.
Limitations with Chaser. It has 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. Statements go monthly only, on a fixed day, and Compact caps the team at four users.
Its instalment schedules are chased against the original invoice due date rather than the instalment dates. Chaser credit checks need Chaser billing, not Xero App Store billing; monitoring is not offered in Australia. Price is banded by company turnover, so unlike the Xero subscription underneath it, the figure steps on a number that has nothing to do with how many invoices the organisation issues.
3. Upflow, best for analytics-led finance
Best for: Analytics-led Xero teams, five gross invoice value tiers from up to $10m to above $100m.
What is Upflow best for?
For a Xero organisation whose real problem is that nobody can say how well it collects, and which wants that measured before it changes how it chases.
- 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. 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.
- Rated
- 4.8 from 235 G2 reviews; 4.5 from 15 on Capterra; 5.0 from a single Xero App Store review · Xero App Store listing
- Awards
- Not published
- Runs on
- Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora
- Late fees and interest
- No, via your ledger only. Upflow’s own documentation points the job back to the ledger and there is no native computation
- Does best
- Putting numbers on the collections function: countback DSO set against best possible DSO, a collection effectiveness score, and the share of the ledger sitting past 90 days
- Customers
- Named on its website: Lattice, Vercel and Front. Lattice's case study reports 99% collection with one person in AR.
There is a workflow side as well, running email, SMS, letter, call and task actions with a branded portal, saved payment methods, dispute tracking and customer-set promises to pay.
Limitations with Upflow. No native late fees, so fees go back to your ledger. No payment plans, only customer-initiated part payments and promises to pay. Automatic actions fire once a day, on business days only.
Sending through your own SMTP disables open and click tracking.
4. Satago, best for credit reports and finance
Best for: UK Xero businesses that want credit reports and invoice finance from one provider, no revenue band published.
What is Satago best for?
For a UK business on Xero that wants customer credit scores and suggested limits, and invoice finance, from the same provider that runs its chasing.
- Fits
- UK businesses in the Xero and Sage ecosystem. No revenue band published
- Regions
- United Kingdom only
- Entry cost
- £45/mo Basic standalone, £80 Premium, £200 Platinum. The cheaper £25 Standard and £45 Plus tiers are the Sage 50 embedded edition, which a Xero business cannot buy.
- 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 fee added to reminder emails, calculated in line with statutory limits
- 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 is two businesses in one subscription: chasing and risk insight on the software side, single and full invoice finance on the lending side.
A Xero organisation buys the standalone Satago for Business plan, which covers reminders, statements, customer grouping and scheduling, with credit reports metered by tier.
The credit layer is the reason a UK Xero business looks at it. A score and a suggested limit arrive before terms are agreed rather than after an invoice has aged, which moves the work from recovering bad debt to declining it.
Limitations with Satago. The standalone Basic plan caps you at 100 email reminders a month and does not list own-inbox sending; your own inbox needs the £80 Premium tier.
Satago adds an optional late fee to reminder emails without documenting a ledger charge. The footprint is UK-only.
5. ezyCollect, best for ANZ wholesale and trade
Best for: Australian and New Zealand Xero businesses in wholesale and trade, from a last-published A$275 a month plus setup.
What is ezyCollect best for?
For an Australian or New Zealand wholesaler on Xero that wants Experian credit data, demand letters and collections referral in the same platform as the chasing.
- Fits
- Australian and New Zealand order-to-cash teams. No revenue band published; the entry tier is sized at 200 debtors, 3 users and 1 workflow
- Regions
- Australia and New Zealand core market, acquired by Sidetrade in October 2025, with ledger connectors reaching the United States
- Entry cost
- ezyCollect's last published prices were A$275 a month for ezyStart on annual billing, with a setup fee from A$900; monthly billing is 20% higher. ezyGrow was A$950 and ezyScale A$2,350. The payment gateway is A$90/mo and demand letters are A$49 each, quoted ex GST. Current prices are hidden and must be requested. Last published on ezyCollect's pricing page, seen on the Wayback Machine.
- Rated
- 4.9 from 35 Xero App Store reviews; 4.7 from 25 on G2; 4.9 from 12 on Capterra · Xero App Store listing
- Awards
- None found
- Runs on
- Xero, MYOB AccountRight, Exo, Essentials and Acumatica, NetSuite, Dynamics, Sage 300, Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve; QuickBooks logo on homepage, no connector page
- Late fees and interest
- None found. Nothing in the help centre or the July 2026 relaunch materials documents a late fee or interest calculation. Card surcharging is the only charge mechanic
- Does best
- Credit screening on Experian data, in-app demand letters and referral to a collections partner, in one platform
- Customers
- Named on its website: Feral Brewing, Hampers with Bite and Skillinvest. Feral Brewing's case study reports overdue accounts cut by over 50%.
ezyCollect reads Experian credit data alongside the Xero ledger, which matters in trade and wholesale where an account that passed its checks two years ago is now the risk.
Its chasing is organised around the customer rather than the invoice: every overdue balance for an account is consolidated into a single workflow of a pre-reminder and a set of follow-up steps (six in the help centre's example) across email, SMS, post and call tasks.
What no other app on this page offers is the end of the escalation path. A demand letter goes out from inside the product at A$49, and referring the account to a partner collections agency is a button rather than a separate procurement exercise.
Limitations with ezyCollect. No late fee or interest anywhere in the product, so the only cost of being late is the chase itself. Customers who fall past the end of a workflow get no further automated follow-ups, and reminders consolidate per customer rather than per invoice.
SMS, post and fax cost extra, the entry tier carries a setup fee from A$900 and a A$90 monthly gateway fee, and collections referral runs from 25% of the recovered amount. The review base is thin and mostly pre-2024, and reviewers report quoted prices landing well above the advertised figure.
6. Kolleno, best for NetSuite or SAP groups
Best for: Order-to-cash teams running Xero alongside NetSuite or SAP.
What is Kolleno best for?
For an order-to-cash team that needs remittance parsing and bank-file cash application against its ledger as well as reminders.
- Fits
- Order-to-cash teams: BusinessPay for turnover under £1m, Business Plus £1m to £100m, Enterprise £100m to £1bn
- Regions
- London head office, founded 2020, selling internationally
- Entry cost
- $650 per user a month on BusinessPay, $545 on annual billing, minimum one user, for turnover under £1m; Business Plus $1,245 per user. Kolleno matches payments to invoices (auto-reconciliation) on Enterprise only, by quote; BusinessPay does not include it.
- Rated
- 4.9 from 117 G2 reviews; 5.0 from 18 Xero App Store reviews; 5.0 from 8 on Capterra · Xero App Store listing
- Awards
- G2 Best Software Awards 2024
- Runs on
- NetSuite, SAP S/4HANA and Business One, Sage Intacct, Business Central, Workday, Oracle JD Edwards, Epicor, Infor, Odoo, Zuora, Xero, QuickBooks Online
- Late fees and interest
- None found. No feature page or help article documents a late fee or interest calculation
- Does best
- Cash application, with email remittance parsing, BAI2, NACHA and ISO 20022 bank files, match scoring and multi-currency journal entries
- Customers
- Named on its website: Wise, Deel and Laundryheap. Laundryheap's case study reports 94% of payments collected on time.
Kolleno is built around the end of the process rather than the beginning. Cash application is its deepest capability and the deepest on this page.
Its workflows fire on events rather than on days: invoice creation, a payment landing in the ledger, an email bouncing, a file being uploaded, with run-hour restrictions and automatic escalation on top.
Limitations with Kolleno. $650 per user a month on BusinessPay, a tier for turnover under £1m that leaves out workflow automation, puts Kolleno above the budget of most Xero small businesses, and the second tier nearly doubles it.
No late fee or interest function is documented anywhere in its materials. The entry plan connects one Xero organisation. The default term is 24 months when the order form is silent, renewing for 12 months with 90 days' notice, and fees are non-refundable. Reviewers name navigation and reporting depth as the recurring weak points, and Kolleno's pricing page does not say which actions a workflow can hold.
Draft or Approved: what a posted fee does inside your customer's payables
A charge written back to a Xero organisation arrives as one of two things: a Draft invoice or an Approved one. The difference decides whether the customer ever sees it.
An Approved invoice is issued. It lands in the customer's accounts payable, it ages in their aged payables report, and it is picked up by whatever payment run their finance team schedules. That is the whole mechanism behind the phrase "on the ledger" used throughout this page.
A Draft invoice exists in your organisation and nowhere else. It gives you an approval step before anything reaches a customer, which is what a business wants while a policy is new, or where a strategic account is involved, or where the fee is a bargaining position rather than a certainty.
Two charges behave differently inside that mechanism. An invoice late fee is raised against a single overdue invoice, usually a flat amount, a percentage, or both.
Statement interest is charged per customer against the whole overdue balance at an annual rate, prorated across the days the balance ran late.
Paidnice is the only tool here that runs both against the same customer group.
What the charge comes to on a UK invoice
For a UK invoice the floor is set by law. Under the Late Payment of Commercial Debts (Interest) Act 1998 a business can charge 8% a year above the Bank of England base rate on an overdue B2B invoice, plus a fixed sum of £40, £70 or £100 by size of debt.
With the base rate at 3.75% on 30 June 2026 that comes to 11.75%, and it rose to 4% on 5 November 2026, so check the current figure on GOV.UK. Paidnice and Chaser both document a base rate calculation, and Paidnice applies the rate that was correct for each period a long-overdue invoice spans.
On £4,000 overdue for 30 days, a 2% invoice late fee is £80.00 and statement interest at 12% a year is £39.45, so £119.45 is added to the ledger.
The invoice late fee is a percentage of the overdue invoice. Statement interest is the balance multiplied by the annual rate, apportioned over the days it was late. UK statutory interest is the Bank of England base rate plus 8%, so check the current rate on GOV.UK before you invoice for it.
Because the result is a document rather than a figure on a dashboard, it can also be credited on purpose, in writing, in exchange for payment today.
Reading the Xero App Store rating base
Five of the six hold a Xero App Store listing, and the numbers are not comparable at face value. Chaser's 4.98 rests on 374 reviews, the largest base in this category, while Upflow's 5.0 rests on a single review and Satago's 4.93 on 92.
Ratings are held per regional store, so the UK and Australian listings for the same app carry different counts, and a score resting on fewer than about twenty reviews moves with a single new one.
Chaser's Capterra base of 45 is mostly dated 2020 to 2022 and ezyCollect's is mostly pre-2024, so both describe an older product. Where two scores sit close together, the larger and more recent base takes the criterion.
Choosing by Xero region: UK, Australia and New Zealand, North America
All six connect to a Xero organisation, so the market you trade in narrows the list.
- United Kingdom. All six except ezyCollect. Paidnice and Chaser are the two that index interest to the Bank of England base rate, and Satago adds credit reports and invoice finance in the same subscription.
- Australia and New Zealand. Paidnice, ezyCollect, Upflow and Kolleno. Chaser sells here too, though its automated calls are not available in New Zealand.
- United States and Canada. Paidnice, Chaser, Upflow and Kolleno. ezyCollect reaches the United States through ledger connectors rather than as a home market.
What these apps cost against a Xero subscription
Published entry prices: Satago from £45 a month (£25 inside Sage 50), Paidnice £49 (US$69), Chaser £199, ezyCollect A$275 a month for ezyStart (last published; current prices hidden and must be requested) plus a setup fee from A$900, Kolleno $650 per user. 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.
A Xero subscription is a fixed monthly figure that does not move with the size of your ledger, and only one app here prices the same way. Kolleno charges per user, so a credit control desk of three multiplies the bill.
Chaser bands by company turnover, so the figure steps when the business grows rather than when the chasing does. ezyCollect meters debtors, users and workflows at once, then adds setup, a gateway fee and per-item charges for post, SMS and demand letters.
Paidnice bands by invoice and email volume on a flat tier, with no per-seat fee above the entry plan.
Every figure is in the currency the vendor prints, without conversion.
Which accounts receivable software for Xero fits your use case?
Start from the market you trade in and the job Xero leaves undone.
| Use case | Start with | Watch out |
|---|---|---|
| Late fees and interest per customer group on Xero | Paidnice | Essentials stops at 150 invoices and two team members |
| Credit checks and posted letters with a named credit controller | Chaser | One set of late-fee rules; price steps with turnover |
| Nobody can say how well the ledger collects | Upflow | No late fees or payment plans; quote only |
| UK business that wants invoice finance with its chasing | Satago | Late fee sits in reminder emails; ledger posting not documented |
| Australian or New Zealand wholesaler screening trade credit | ezyCollect | No late fees; setup from A$900 on the last published price |
| The reconciliation queue is the bottleneck | Kolleno | $650 per user a month |
Questions from Xero users
What is the best accounts receivable software for Xero?
For a Xero organisation that wants late fees and interest applied as a policy per customer group and posted back to the ledger, Paidnice, from £49 (US$69) a month. For a team that wants Creditsafe credit checks in the same tool, Chaser, from £199 a month.
Does Xero have accounts receivable automation built in?
Xero sends basic invoice reminders and stops there. It does not run escalating reminder ladders, apply late fees or interest, route by customer group, issue automatic statements or report on collection performance. Businesses that want those add a dedicated app from the Xero App Store.
Can Xero charge automatic late fees and interest?
Not on its own. The request to add interest to late invoices has sat on the Xero ideas board since 29 March 2012 with 1,118 votes and no committed plans as of Xero's July 2025 response.
Paidnice and Chaser both add the calculation and write the charge back to Xero; Paidnice runs it per customer group, Chaser as one set of late-fee rules.
Which accounts receivable apps integrate natively with Xero?
All six here connect to Xero: Paidnice, Chaser, Upflow, Satago, ezyCollect and Kolleno. You can browse the category in the Xero App Store. Check the listing for each before you buy, because review counts and regional availability differ by store.
How much does accounts receivable software for Xero cost?
Satago is from £45 a month (£25 inside Sage 50), Paidnice £49 (US$69), Chaser £199 for turnover under £4m, ezyCollect A$275 a month for ezyStart (last published; current prices hidden and must be requested) on annual billing plus a setup fee from A$900, and Kolleno $650 per user a month for turnover under £1m.
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.
Do I still need an app if Xero sends reminders?
What changes customer behaviour is the charge that follows Xero's reminder, the statement that shows the whole balance, and the escalation that happens without anyone remembering to do it. If your overdue ledger keeps growing while reminders go out, the gap is in what happens after the reminder.
For tools on other ledgers, the credit control software buyer’s guide compares six tools across Xero, QuickBooks Online, Sage, NetSuite and Business Central.
People also read
Buyer's guide
Best accounts receivable software (by business type)
The pillar guide: pick by size and accounting system, with a recommendation matrix.
By accounting system
Best AR software for QuickBooks Online
Five accounts receivable apps for QuickBooks Online, compared.
United Kingdom
Best credit control software for UK SMEs
UK statutory interest, chasing and credit risk, compared.
Alternatives
Best Chaser alternatives
Six Chaser alternatives on enforcement, price and reviews.
Sources
21 sources, checked by Julie Turnbridge on November 6, 2026
- Xero Small Business Insights xero.com/uk/resources/small-business-insights
- Bank of England base rate bankofengland.co.uk/monetary-policy/the-interest-rate-ban...
- Xero ideas board productideas.xero.com/forums/967115-invoices-quotes/sugge...
- Xero App Store apps.xero.com/uk/app/paidnice
- Capterra capterra.co.uk/software/254868/paidnice
- Xero App Store apps.xero.com/uk/app/chaser
- G2 g2.com/products/chaser/reviews
- Capterra capterra.co.uk/software/157101/chaser
- G2 g2.com/products/upflow-upflow/reviews
- Capterra capterra.co.uk/software/193097/Upflow
- Xero App Store listing apps.xero.com/us/app/upflow
- Wayback Machine web.archive.org/web/20240617113004/https://ezycollect.io/...
- Xero App Store apps.xero.com/au/app/ezycollect/reviews
- G2 g2.com/products/ezycollect/reviews
- Capterra capterra.com/p/135729/ezyCollect/reviews
- G2 g2.com/products/kolleno/reviews
- Xero App Store apps.xero.com/uk/app/kolleno
- Capterra capterra.co.uk/software/227932/Kolleno
- Late Payment of Commercial Debts (Interest) Act 1998 legislation.gov.uk/ukpga/1998/20/contents
- GOV.UK gov.uk/late-commercial-payments-interest-debt-recovery/ch...
- Xero App Store apps.xero.com/collection/accounts-receivable-software
