The six best accounts receivable software tools for Xero in 2026 are Paidnice, Chaser, Upflow, Satago, ezyCollect and Kolleno, ranked on whether the tool applies late fees and interest to the Xero ledger itself and at what grain. Prices from £45 a month.
Xero raises the invoice and sends a basic reminder. It does not escalate, it does not charge for being late, and it does not tell you which customer is becoming a credit risk. Paidnice suits a Xero organisation that wants a fee policy per customer group. Chaser suits a team that wants Creditsafe credit checks in the same tool. Upflow measures collections. Satago pairs credit reports with invoice finance. ezyCollect serves Australian and New Zealand wholesale and trade. Kolleno serves order-to-cash teams above $1m.
Prefer to watch? Here is the quick video version of this comparison.
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 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 six here connect to a Xero organisation and write back to it, so what separates them is how much of the work after the reminder happens without a person.
Five things worth checking on a listing before you install anything:
- An escalating sequence, not a single send. Follow-ups by email and SMS on both sides of the due date, changing in tone as the invoice ages, from an address the customer already recognises.
- A charge raised inside the organisation. Interest or a late fee written back as a Xero invoice, because that is the only version of the charge that reaches the customer's payables.
- Statements on a schedule. A whole-account view sent without being asked, and consolidated across parent and child accounts if you sell to groups.
- Credit insight before the terms, not after the default. A bureau score and a suggested limit at the point you decide to extend credit.
- Self-service payment. A page where the customer opens the invoice, pulls a statement, pays, or starts an instalment plan without emailing anybody.
A reminder asks. A charge raised as a Xero invoice sits in the customer's payables until somebody deals with it.
The request Xero accepted in 2012 and has 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 1,102 votes and the status Accepted. 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, read on 20 August 2026. Source: Xero ideas board, invoices and quotes forum.
Fourteen years is long enough that the request has stopped being a roadmap question. It now describes the product accurately: Xero raises invoices, and something else charges for them running late.
The consequence for a Xero business is narrow and specific. Every interest calculation against a Xero ledger is done either by hand, 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.
It also explains the shape of the shortlist below. Two of the six raise the charge themselves. The other four chase, measure or score credit, and hand the interest question back to you.
Six apps from Xero's Debtor Management category: the table
Paidnice and Chaser are the two tools here that apply late fees and interest to the Xero ledger themselves. Upflow measures collections, Satago and ezyCollect lead on credit data, and Kolleno is an order-to-cash platform priced above the Xero SMB band.
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| Revenue fit | $500k and up, sweet spot $1m to $20m | £4m and under on the entry tier, tiers to £200m | ARR bands, under $10m to $50m and above | Not published | Not published | $1m turnover and above |
| From (monthly) | £49 | £199 | Not published | £45 standalone | A$275 on annual billing, plus A$900 setup | $650 per user |
| Beyond Xero | QuickBooks Online; NetSuite, Sage Intacct, MYOB, Dynamics 365 Business Central on Custom | QuickBooks, Sage 50, Sage 200, Sage Intacct, NetSuite, Dynamics 365, SAP, AccountsIQ | QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora | Sage, Sage 50, QuickBooks, KashFlow, FreeAgent | MYOB, QuickBooks Online, NetSuite, Sage 300, Sage Intacct, SAP Business One, Pronto Xi | NetSuite, SAP, Sage Intacct, Dynamics 365, Workday, Oracle JD Edwards, QuickBooks Online |
| Late fee grain | Yes (per customer group) | Yes (one global rule) | No (via your ledger only) | Not verified | None found | None found |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | Not verified | Yes | Yes (monthly) | Yes (in the portal) |
| Payment plans | Yes | Yes (chased on the invoice due date) | No | Not verified | Yes (enabled by support) | Yes |
| Portal | Yes | Yes | Yes | Not verified | Yes | Yes |
| Credit checks | None found | Yes (Creditsafe) | Yes (light scoring) | Yes (credit reports and limits) | Yes (illion data) | Yes (AI scores, bureau integrations) |
| Rated (source, count) | 5.0 (82, Xero App Store) | 4.98 (374, Xero App Store) | 4.8 (233, G2) | Not verified | 4.9 (35, Xero App Store AU) | 4.9 (99, G2) |
| Last verified | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 |
"Not verified" means the capability could not be confirmed from the vendor's public materials. "Not published" means the vendor does not print a price. "None found" means no evidence either way. Prices are the vendor's published or last-verified from-price on the date shown.
1. Paidnice
Best for a Xero organisation that wants late fees and interest applied per customer group, $1m to $20m
What is it 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 from about $500k turnover, with the sweet spot between $1m and $20m, with or without a credit controller
- Regions
- United Kingdom, Australia, New Zealand, United States, Canada, South Africa
- Entry cost
- £49/mo on Essentials, covering 150 invoices, 600 emails and up to 2 team members; US$69 and A$99 in local price tables, not converted; Pro from £74/mo with unlimited users and no per-seat fee. As at August 2026, verify current pricing
- Rated
- 5.0 from 82 Xero App Store reviews, verified 20 August 2026; 4.9 on Capterra, review count not published · Xero App Store listing
- Awards
- Winner, New Zealand Small Business App of the Year, Xero Global App Awards 2026; 2025 Xero Global Small Business App of the Year
- Runs on
- Xero, QuickBooks Online, Stripe, Pinch Payments, CloudDepot, HubSpot, Pipedrive, Zapier. NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central 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. Customers cut their average wait for payment in half, within 30 days.
Both charges are written into the Xero organisation as posted invoices, Draft or Approved, which is what carries them into the customer's own payables and payment run. 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 natively; anything else is a Custom-plan build. Some payment features differ between the two ledgers, the entry tier covers two team members, and there is no credit checking of any kind, which is the reason a Xero business that wants a bureau score shortlists Chaser or Satago alongside it. On the rating criterion, Chaser's 4.98 across 374 Xero App Store reviews beats the 5.0 across 82 above.
2. Chaser
Best for Xero teams that want Creditsafe credit checks in the same tool, up to £4m on the entry tier
What is it 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; the entry tier is priced for £4m turnover and under, and the tiers run to £200m, though Chaser’s own pricing page states £100m
- Regions
- UK-registered, trading since 2014, sells worldwide. Automated calls are not available in New Zealand
- Entry cost
- £199/mo on Compact for turnover to £4m with 4 users; Core £599/mo to £10m; Complete £899/mo above that. As at August 2026, verify current pricing
- Rated
- 4.98 from 374 Xero App Store reviews; 4.5 from 68 on G2; 4.9 from 45 on Capterra · Xero App Store listing
- Awards
- Xero App Partner of the Year 2023
- Runs on
- Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, Sage Business Central, NetSuite, Dynamics 365, 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 global rule only, which cannot vary by schedule or customer group, and no fee is raised on payment-plan or partially paid invoices. 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
Chaser has been in the Xero ecosystem since 2014 and its 374 Xero App Store reviews are the largest verified base on this page by a wide margin. 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, continuous monitoring and a Late Payment Predictor, which is the capability a Xero organisation cannot get from the ledger at any price.
Limitations with Chaser. One rule writes back to the Xero organisation, so a Xero business with a wholesale group and a retail group runs both on the same rate or on none, and no fee is raised on payment-plan or partially paid invoices. 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. 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 Xero teams, ARR bands from under $10m to $50m and above
What is it 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 ARR bands: under $10m, $10m to $50m, and $50m and above
- Regions
- New York head office, Paris origin, customers in 30-plus countries
- Entry cost
- Not published. Upflow prints no figures and quotes by ARR band; the free Discover tier is analytics only and has to be arranged through sales. Third-party captures from 2024 put Grow at $440 a month and Scale at $880. As at August 2026, verify current pricing
- Rated
- 4.8 from 233 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
Upflow reads the Xero organisation and turns it into numbers Xero itself does not report: countback DSO set against best possible DSO, a collection effectiveness score, balances at risk beyond 90 days, and cash forecasting by billing cohort. Dashboards filter by workflow, country or account manager and can be scheduled to an inbox, which is the closest thing here to a board pack for receivables.
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. The free Discover tier is the measurement half only: it shows a Xero business its own numbers and chases nobody, which makes it a useful thing to run for a quarter before committing to anything on this page.
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. No price is published at any tier, and the free tier has to be arranged through sales.
4. Satago
Best for UK Xero businesses that want credit reports and invoice finance from one provider, no revenue band published
What is it 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. As at August 2026, verify current pricing
- Rated
- Not verified. No review score could be confirmed from a primary source at the August 2026 check
- Awards
- Not published
- Runs on
- Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent
- Late fees and interest
- Not verified. No late-fee or interest mechanic is documented in the material checked, and feature verification is an open gap on this vendor
- 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 Sage 50 embedded edition, which is where the cheaper prices live, is not available to it.
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 sends from a Satago address; your own inbox needs the £80 Premium tier. No late-fee or interest mechanic is documented and no review score could be verified, so two of the five criteria cannot be scored for Satago at all. The footprint is UK-only, and the cheapest tiers are the Sage 50 edition rather than anything a Xero business can subscribe to.
5. ezyCollect
Best for Australian and New Zealand Xero businesses in wholesale and trade, from A$275 a month plus setup
What is it best for?
For an Australian or New Zealand wholesaler on Xero that wants illion 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
- A$275/mo ezyStart on annual billing plus a A$900 setup fee, with monthly billing about 20% higher; ezyGrow A$950 and ezyScale A$2,350. The payment gateway is A$90/mo and demand letters are A$49 each, quoted ex GST. As at August 2026, verify current pricing
- 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, QuickBooks Online, NetSuite, Dynamics, Sage 300, Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve
- 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 illion data, in-app demand letters and referral to a collections partner, in one platform
ezyCollect reads illion 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 roughly six follow-up steps 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. Sidetrade bought the business in October 2025 and relaunched it in July 2026 with an AI layer over its own payments data.
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 A$900 setup fee 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 order-to-cash teams running Xero alongside NetSuite or SAP, $1m turnover and above
What is it best for?
For an order-to-cash team that needs remittance parsing and bank-file cash application against its ledger, not only reminders.
- Fits
- Order-to-cash teams above $1m turnover on the entry plan, with published tiers stepping at $10m, $100m and $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 above $1m; Business Plus $1,245 per user. As at August 2026, verify current pricing
- Rated
- 4.9 from 99 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, Dynamics 365, 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
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: remittance emails parsed into suggested matches, bank files over SFTP, one-to-many matching, partials, credit-note offsets, and foreign exchange and bank fees handled down to the journal entry. A Xero organisation reaching for that is usually one where the reconciliation queue, not the chase, is the bottleneck.
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. An AI tier is included on every subscription, scoring payment likelihood, drafting the next message for review, and running a collections policy unattended.
Limitations with Kolleno. $650 per user a month with a $1m turnover floor 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. Reviewers name navigation and reporting depth as the recurring weak points, and letters and calls are not workflow actions.
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, and it is recomputed at the moment the statement leaves rather than at the last policy run, so the figure in the customer's hand is accurate that morning. 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% in mid-2026 that comes to 11.75%, and it moves, 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.
Take a £4,000 invoice 30 days overdue, a 2% invoice late fee and statement interest at 12% a year. The fee is £80.00. The interest is £4,000 at 12%, apportioned over 30 of 365 days, which is £39.45. Together £119.45 goes onto the ledger and into the customer's payables.
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. That trade is available to a collector holding an invoice and not to one holding a reminder.
Reading the Xero App Store rating base
Five of the six hold a Xero App Store listing, and the numbers behind those listings are not comparable at face value.
- Chaser, 4.98 from 374 reviews. The largest verified base in this category, and the reason it takes the rating criterion from an app with a higher score.
- Paidnice, 5.0 from 82 reviews on the UK listing, read on 20 August 2026.
- ezyCollect, 4.9 from 35 reviews on the Australian listing, which is where its customers are.
- Kolleno, 5.0 from 18 reviews.
- Upflow, 5.0 from a single review. That is a number rather than a signal, and it is printed here as a count for exactly that reason.
- Satago, no verified score. Nothing could be confirmed from a primary source at the August 2026 check.
Two things about that list matter when you read a listing yourself. Ratings are held per regional store, so the UK and Australian listings for the same app carry different counts and sometimes different scores. And a score resting on fewer than about twenty reviews moves with a single new one, which is why the count is printed alongside every figure on this page.
Dates matter as much as counts. 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 than the one you would install this month. Where two scores sit close together here, 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 ledger removes nothing here and the market you trade in removes plenty. Satago sells in the United Kingdom only. ezyCollect is built for Australia and New Zealand. Paidnice, Chaser, Upflow and Kolleno cover the Xero markets between them.
- 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.
- Off Xero as well. Chaser and Kolleno carry the widest second-ledger lists, Upflow adds Stripe Billing, Chargebee and Zuora, and Paidnice reaches NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central only on its Custom plan, as a build rather than a connector.
What these apps cost against a Xero subscription
Published entry prices as at August 2026: Satago £45 a month, Paidnice £49, Chaser £199, ezyCollect A$275 plus a A$900 setup fee, Kolleno $650 per user. Upflow publishes no price at any tier.
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, and the entry price rose roughly four to five times when Chaser left its old invoice-count tiers. 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.
Two of the six publish nothing usable for a Xero buyer. Upflow removed its prices and quotes by ARR band; the $440 and $880 figures that circulate are 2024 third-party captures rather than published prices. Satago publishes tier prices, but its cheapest ones are the Sage 50 embedded edition, which is not available to a Xero business.
Every figure on this page was checked in August 2026 in the currency the vendor prints, without conversion. Verify current pricing with each vendor before you buy.
Questions from Xero users
What Xero organisations ask before they install anything from the Debtor Management category, answered against the listings and prices checked in August 2026.
What is the best accounts receivable software for Xero?
For most businesses on Xero, Paidnice, because it applies late fees and interest as a policy per customer group and posts the charge back to the Xero ledger, from £49 a month. For a team that wants Creditsafe credit checks in the same tool, Chaser, from £199 a month. Both prices are as at August 2026; verify current pricing.
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 1,102 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 global rule.
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?
Every figure here is as at August 2026, so verify current pricing. Satago is £45 a month standalone, Paidnice £49, Chaser £199 up to £4m turnover, ezyCollect A$275 a month on annual billing plus a A$900 setup fee, and Kolleno $650 per user a month above $1m turnover. Upflow publishes no price.
Do I still need an app if Xero sends reminders?
Xero's reminder is the cheap part of collections. What changes customer behaviour is the charge that follows it, 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.
How the Xero figures on this page were verified
Two primary sources carry most of this page, and both were read on the same day.
The Xero App Store listings supplied every rating, review count and regional availability line above, read on 20 August 2026. The Xero ideas board supplied the request title, the 29 March 2012 posting date, the 1,102 votes, the Accepted status and Xero's 7 July 2025 response, re-checked on the same date and unchanged.
Prices come from each vendor's own pricing page in the currency that page prints, which is why pounds, Australian dollars and US dollars sit side by side above with nothing converted between them. Satago is the gap on this page: neither a rating nor an interest mechanic could be confirmed for it from any primary source, so neither was scored, and its entry says so rather than guessing.
Accounting.Events publishes this page. Nobody pays to appear on it, to sit higher in it, or to have a limitation left out.
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