--- type: Software Buyer's Guide title: 6 Best AR Automation Software Tools in 2026, Ranked description: Paidnice, Chaser, Upflow, Kolleno, Invoiced and ezyCollect compared for 2026, ranked on late fee enforcement, published entry price and verified reviews. resource: https://accounting.events/reviews/best-ar-automation-software/ tags: [best ar automation software, accounts receivable automation software, ar automation tools, automated invoice reminders, collections automation software, late fee automation, invoice to cash software] timestamp: 2026-08-30 --- **The six best AR automation tools in 2026 are Paidnice, Chaser, Upflow, Kolleno, Invoiced and ezyCollect, ranked on whether the tool applies late fees and interest itself and at what grain. Prices from US$69 a month.** Paidnice suits a Xero or QuickBooks Online business that wants fees and interest applied per customer group. Chaser suits a team that wants Creditsafe credit checks in the same tool. Upflow serves analytics-led B2B finance teams. Kolleno serves order-to-cash teams whose bottleneck is cash application. Invoiced covers billing and receivables on one US platform, and ezyCollect serves Australian teams on MYOB and Xero. **Related guides:** [how to choose accounts receivable software](/reviews/best-accounts-receivable-software/), [the best Chaser alternatives](/reviews/best-chaser-alternatives/), [the best Upflow alternatives](/reviews/best-upflow-alternatives/) ## Eight stages between invoice and cash, and where automation actually reaches Eight things happen between issuing an invoice and having the money. "AR automation" is a claim about how many of them run without a person, and across this shortlist the answer runs from four to five. - **Invoice delivery.** Getting the invoice itself to the customer. On five of these six the ledger does it and the tool starts afterwards. - **Reminder.** Scheduled follow-ups before and after the due date. Every tool here runs this one, which is why it separates nobody. - **Escalation.** Changing tone, channel or recipient as the debt ages, without somebody deciding to. - **Fee and interest.** Calculating a charge and raising it as a document on the ledger. Two of six. - **Payment plan.** Splitting a balance into dated instalments and then chasing those dates rather than the original one. - **Payment capture.** A portal or a link where the customer pays without emailing anyone. - **Cash application.** Matching money that arrived to the invoices it settles, from a remittance advice or a bank file. - **Dispute.** Working out why an invoice is being held and getting the hold released. Nobody on this page automates it. | Tool | Stages run without a person | Which ones | | **Paidnice** | 5 of 8 | Reminder, escalation, fee and interest, payment plan, payment capture | | **Kolleno** | 5 of 8 | Reminder, escalation, payment plan, payment capture, cash application | | **Chaser** | 4 of 8 | Reminder, escalation, fee and interest, payment capture | | **Upflow** | 4 of 8 | Reminder, escalation, payment capture, cash application | | **ezyCollect** | 4 of 8 | Reminder, escalation, payment plan, payment capture | | **Invoiced** | Not verified | It issues the invoice, which nothing else here does. No other mechanic could be confirmed from its public materials | Scored from each vendor's own documentation. A stage counts only where the tool performs it without a person; a capability that raises a task for somebody else to do the work is a task, not a stage. Two results in that table are worth stating plainly. No tool here runs more than five of the eight, and the two that reach five get there by different routes: one adds the charge, the other adds the reconciliation. A business choosing between them is choosing which end of the process it wants closed. Chaser's payment plans are the clearest example of the scoring rule. Chaser splits an invoice weekly through to yearly, so the plan exists, but the chasing follows the original invoice due date rather than the instalment dates, and Chaser's own documentation advises following the instalments up by hand. A stage that hands the work back is not automated, so it is not counted. ## What a vendor means when it says automation Six vendors on this page use the word and mean four different things by it, and the comparison table does not show which. The distinction that costs money is between sending something about a charge and applying the charge. A tool that emails "a 2% late fee may apply under our terms" has automated a sentence. A tool that computes the fee, raises it as an invoice on the ledger and carries it into the next statement has automated stage four. Both are sold under the same heading, and only one of them changes what the customer's accounts payable team sees. The second distinction is between running a step and offering one. Instalment plans, dispute flags and promises to pay all appear on feature lists as automation, and all three are records a person creates and then works. That is useful software. It is not the same purchase as a policy that runs on its own overnight. ## Six tools by stage coverage: the table The same six tools, read across the capabilities that make up the eight stages. Paidnice and Chaser are the only two that apply late fees and interest themselves; Upflow sends the job back to your ERP, Kolleno and ezyCollect document no interest mechanic, and Invoiced could not be verified on any of it. | | [Paidnice logo](#paidnice) | [Chaser logo](#chaser) | [Upflow logo](#upflow) | [Kolleno logo](#kolleno) | [Invoiced](#invoiced) | [ezyCollect](#ezycollect) | | Revenue fit | $500k to $20m | £4m and under on the entry tier, tiers to £200m | ARR bands, under $10m to $50m and above | $1m turnover and above | Not published | Not published | | From (monthly) | US$69 | £199 | Not published | $650 per user | Not published | A$275 on annual billing | | Ledger integrations | Xero, QuickBooks Online | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 | Xero, QuickBooks Online, NetSuite, Sage Intacct | Xero, QuickBooks Online, NetSuite, SAP, Sage Intacct, Dynamics 365 | Xero, QuickBooks Online and Desktop, NetSuite, Sage Intacct | Xero, MYOB, QuickBooks Online, NetSuite, Sage 300 | | Late fee grain | Yes (per customer group) | Yes (one global rule) | No (via your ERP only) | None found | Not verified | No | | Statements | Yes (any schedule) | Yes (monthly, fixed day) | Not verified | Yes (in the portal) | Not verified | Yes (monthly) | | Payment plans | Yes | Yes | No | Yes | Not verified | Yes | | Portal | Yes | Yes | Yes | Yes | Not verified | Yes | | Credit checks | None found | Yes (Creditsafe) | Yes (light scoring) | Yes (AI scores, bureau integrations) | Not verified | Yes (illion data) | | Rated (source, count) | 5.0 (82, Xero App Store) | 4.98 (374, Xero App Store) | 4.8 (233, G2) | 4.9 (99, G2) | Not verified | 4.9 (35, Xero App Store AU) | | 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 SMBs on Xero or QuickBooks Online, $500k to $20m ### What is it best for? For a business on Xero or QuickBooks Online that wants the reminder and the fee that follows it applied automatically, with a different rule for each customer group. **Fits:** SMBs on Xero or QuickBooks Online from about $500k in revenue, with the sweet spot between $1m and $20m, with or without a credit controller **Regions:** United States, United Kingdom, Australia, New Zealand, Canada, South Africa **Entry cost:** US$69/mo on Essentials, covering 150 invoices, 600 emails and up to 2 team members; Pro from US$99/mo with unlimited users and no per-seat fee. As at August 2026, verify current pricing **Rated:** 5.0 from 82 [Xero App Store](https://apps.xero.com/app/paidnice) reviews, verified 20 August 2026; 4.9 on [Capterra](https://www.capterra.com/p/254868/Paidnice/), review count not published **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 UK rates indexed to the Bank of England base rate where that applies, and policies sit under customer groups so different groups run different rules 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 ledger Paidnice runs five of the eight stages on a Xero or QuickBooks Online ledger: the reminder, the escalation, the fee and interest, the payment plan and the payment capture. All five hang off the same customer group, so moving an account between groups changes every one of them at once. Sending goes out from your own authenticated domain by email and SMS, which keeps chasing bounces off the reputation of the mailbox the team uses for everything else. Recalculation is a property of stage four rather than a feature of the email. The interest figure is computed at the moment the statement leaves, on the balance after any credit on the account, so a payment received yesterday is already in the number the customer opens. The charge is raised on the ledger as Draft or Approved, which is what carries it into the customer's own aged payables and their payment run. The vendor reports customers halving their average wait for payment within 30 days and cutting manual chasing by up to 90%. **Limitations with Paidnice.** Native to Xero and QuickBooks Online only. NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central sit on the Custom plan as a build rather than a standard connector, and some payment features differ between the two ledgers. The entry tier covers two team members. On criterion 4, Chaser's 4.98 from 374 reviews beats the 5.0 from 82 above. ## 2. Chaser Best for mid-market finance teams that want credit checking in the same tool, up to £4m on the entry tier ### What is it best for? For a finance team with a named credit controller that wants Creditsafe credit checks and multi-channel chasing running from one system. **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 **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](https://apps.xero.com/uk/app/chaser) reviews; 4.5 from 68 on [G2](https://www.g2.com/products/chaser/reviews); 4.9 from 45 on [Capterra](https://www.capterra.com/p/157101/CHASER/reviews/), mostly dated 2020 to 2022 **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 **Does best:** Creditsafe credit checking and monitoring in the same tool as email, SMS and letter chasing Chaser has traded since 2014 and its send path is the team's own Gmail or Outlook mailbox, with SMS, posted letters, a payer portal and a route into collections through a partner alongside it. A mailbox send covers stages two and three well, because tone, channel and recipient can all change as the invoice ages. It reaches no further on its own: the mailbox has no view of the balance, so the fee at stage four is a separate engine, and stage seven is not attempted at all. A Creditsafe report sits in the same tool, with a score, a recommended limit and continuous monitoring, which is credit work rather than a stage on the map above and a good reason to shortlist it anyway. **Limitations with Chaser.** One global late-fee rule that cannot vary by schedule or customer group, and no fee on payment-plan or partially paid invoices. Statements go monthly only, on a fixed day. Compact caps the team at four users, and channels are credit-metered, with SMS, letters and calls billed per use. The entry price is tiered by company turnover rather than invoice volume, and it rose roughly four to five times when Chaser moved off its old invoice tiers. ## 3. Upflow Best for analytics-led finance teams, ARR bands from under $10m to $50m and above ### What is it best for? For a B2B finance team whose problem is that nobody can measure collections, and whose ERP already applies whatever fees it charges. **Fits:** B2B teams sold by ARR band: Grow under $10m, Scale $10m to $50m, Strategic above $50m **Regions:** Founded in Paris, headquartered in New York, with more than 500 clients across 30 or more countries **Entry cost:** Not published. Upflow removed prices from its site and quotes by ARR band; the last confirmed figures were $440/mo for Grow and $880/mo for Scale. As at August 2026, verify current pricing **Rated:** 4.8 from 233 on [G2](https://www.g2.com/products/upflow-upflow/reviews); 4.5 from 15 on [Capterra](https://www.capterra.com/p/193097/Upflow/); 5.0 from a single [Xero App Store](https://apps.xero.com/us/app/upflow) review, too small a base to read as a quality signal **Awards:** None found **Runs on:** Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora, with Salesforce, Slack and Zapier cited **Late fees and interest:** No. Its own documentation applies them through the connected ERP, and no native computation is documented **Does best:** Countback DSO against best possible DSO, collections effectiveness index, at-risk rate and collection rate on dashboards you can filter and schedule Upflow runs four of the eight stages, and the reason to buy it is not on the map at all. Countback DSO against best possible DSO, collection effectiveness, at-risk balances and cash forecasting come out of the ledger on dashboards you can filter, export and schedule to an inbox. None of that is a stage. It is the instrument that tells you which stages are failing, which is why it is bought alongside a tool that enforces rather than instead of one. The product cadence is fast. Promise-to-pay detection, dispute-signal detection, autopay with multiple saved methods and agentic cash application all shipped between late 2025 and mid 2026, and the payment portal handles disputes and customer-set promises to pay. **Limitations with Upflow.** No native fee or interest calculation, and no payment plans: customer-initiated partial payments and promises to pay are the offered mechanism. Automatic actions fire once a day at a fixed org-level time, business days only. Sending through your own SMTP disables open and click tracking. The QuickBooks connection is one-way and polled every five minutes with no webhooks, and payments land in Undeposited Funds needing manual reconciliation. ## 4. Kolleno Best for order-to-cash teams on NetSuite or SAP, $1m turnover and above ### What is it best for? For a finance team whose bottleneck is matching cash to invoices rather than sending the reminder in the first place. **Fits:** Order-to-cash teams above $1m turnover on BusinessPay, above $10m on Business Plus, and above $100m on Enterprise **Regions:** Founded in London in 2020, sells internationally **Entry cost:** $650 per user a month on BusinessPay, or $545 per user on annual billing, minimum one user, for businesses above $1m turnover. As at August 2026, verify current pricing **Rated:** 4.9 from 99 on [G2](https://www.g2.com/products/kolleno/reviews); 5.0 from 18 [Xero App Store](https://apps.xero.com/uk/app/kolleno) reviews; 5.0 from 8 on [Capterra](https://www.capterra.com/p/227932/Kolleno/reviews/) **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, Salesforce, ServiceNow **Late fees and interest:** None found. No feature page or help article documents an interest, late fee or fixed-sum function **Does best:** Cash application: email remittance parsing, SFTP bank connections, BAI2, NACHA and ISO 20022 files, match scoring, one-to-many matches, partials, credit-note offsets and NetSuite multi-currency journal entries Kolleno brings receivables, payments and reconciliation into one platform, with trigger-based workflows, conditional branches, run-hour restrictions and automatic escalation. Its AI tiers are included on every subscription: Insights scores payment likelihood, Copilot drafts the next action for review, and Agent runs policy-based collections and reconciliation on its own. The reconciliation depth is the reason to shortlist it. Remittance advice arriving by email is parsed into suggested matches, bank files come in over SFTP in four formats, and foreign exchange differences and bank fees are handled down to the journal entry in NetSuite. **Limitations with Kolleno.** No late fee or interest function appears anywhere in its public materials. Pricing is per user, so a collections team of three multiplies the bill. Letters and calls are not workflow actions, custom sending domains are set up by an account manager rather than self-serve, and reviewers ask for more customizable reporting and easier in-app navigation. ## 5. Invoiced Best for US businesses that want billing and receivables on one platform, no price published ### What is it best for? For a US mid-market or enterprise buyer that wants invoicing, receivables and payments on one platform rather than a chasing layer bolted to a ledger. **Fits:** US mid-market and enterprise buyers. No revenue band published **Regions:** United States focus, now part of Flywire **Entry cost:** Not published **Rated:** Not verified. No rating with a review count could be confirmed from a named platform **Awards:** None found **Runs on:** Xero, QuickBooks Online, QuickBooks Desktop and Enterprise, NetSuite, Sage Intacct and Dynamics 365 Business Central, per its own integration pages **Late fees and interest:** Not verified. A late-fee automation page sits among its use cases, but the mechanic itself could not be confirmed from public materials **Does best:** Covering invoicing, receivables and payments end to end on a single US platform Invoiced is a US invoice-to-cash platform, now part of Flywire, spanning invoicing, receivables and payments. It maintains integration pages for Xero and QuickBooks Online, Desktop and Enterprise alongside NetSuite, Sage Intacct and Business Central, and runs a dedicated late-fee automation page among its use cases. Its positioning has moved toward mid-market and enterprise ERP buyers, with role pages for the CFO, the controller and the AR manager, gated white papers and return-on-investment calculators. Pricing is quote-only. **Limitations with Invoiced.** It publishes no price, and no rating with a review count could be verified from a named platform, so criteria 3 and 4 cannot be scored for it. Its late-fee handling appears as a use case rather than a documented mechanic. The move upmarket deprioritizes the Xero and QuickBooks Online audience its integration pages nominally serve. ## 6. ezyCollect Best for AU and NZ teams on MYOB or Xero, 200 debtors on the entry tier ### What is it best for? For an Australian business on MYOB or Xero that wants credit checks, demand letters and referral to a collection agency inside one platform. **Fits:** Australian and New Zealand mid-market. The entry tier covers 200 debtors, 3 users and 1 workflow; the tiers run to 3,000 debtors **Regions:** Australia and New Zealand core, with UK and US customers. Acquired by Sidetrade in October 2025 and relaunched in July 2026 **Entry cost:** A$275/mo on ezyStart with an annual contract, plus a A$900 setup fee; monthly billing adds 20%. As at August 2026, verify current pricing **Rated:** 4.9 from 35 [Xero App Store](https://apps.xero.com/au/app/ezycollect) reviews in Australia; 4.7 from 25 on [G2](https://www.g2.com/products/ezycollect/reviews); 4.9 from 12 on [Capterra](https://www.capterra.com/p/135729/ezyCollect/reviews/) **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, ABM, CSV **Late fees and interest:** No. Absent from the entire help centre and from the July 2026 relaunch materials. Card surcharging is the only charge mechanic documented **Does best:** Credit risk in the collections flow: credit insights built on illion data, risk groups, in-app demand letters and manual referral to collection partners ezyCollect is a long-standing Australian collections engine with the deepest local ERP coverage on this list, reaching MYOB Exo, Pronto Xi, Attaché, JCurve and SAP Business One as well as Xero. Workflows run at customer level, consolidating a customer's overdue invoices rather than chasing each one separately, and monthly statements go out automatically. Since the Sidetrade acquisition the platform has been rebuilt around AIMIE, which produces daily collection-priority recommendations and benchmarking. Autonomous collections are promised over the following six months and have not shipped. **Limitations with ezyCollect.** No late fee or interest anywhere in the product. Mail, SMS and fax are charged on top of the plan, demand letters are A$49 each plus GST, and the payment gateway carries a A$90 monthly fee plus GST. Customers who pass the end of a workflow window get no further automated follow-ups. Review volume is thin and mostly predates 2024, and one reviewer reports a quoted price near three times the advertised one. ## Grain, not existence: the two tools that apply a fee, compared Stage four is where this shortlist splits hardest. Paidnice and Chaser both calculate a charge without help from the ledger. Upflow sends the job back to your ERP, Kolleno and ezyCollect document nothing, and Invoiced could not be verified. Charging for late payment is a contractual right in most markets and a statutory one in some. In the United Kingdom the Late Payment of Commercial Debts (Interest) Act 1998 sets a default of 8% a year above the Bank of England base rate on an overdue business invoice. In the United States and Australia the rate is whatever your own terms say, so what the software has to do is hold your rate and apply it the same way every time. Both tools do that arithmetic. What separates them is how many rules can be live at once, which is the whole of the difference at stage four. Chaser's late fee is one global rule that cannot vary by schedule or customer group, and it raises no fee on payment-plan or partially paid invoices. Paidnice's policies sit under customer groups, so a wholesale group, a retail group and a disputed-accounts group can each run a different rule at the same time. One global rule (Chaser) - Four calculation types, including the base rate - Recalculated daily - One rate for every customer - No fee on payment-plan or part-paid invoices A policy per customer group (Paidnice) - Flat, percentage or compounding, per period - Multiple policies running at once - An invoice fee and a statement charge together - Raised on the ledger as Draft or Approved The two tools here that apply late fees themselves, compared on grain. Kolleno and ezyCollect document no interest mechanic, Upflow points the job back to your ERP, and Invoiced could not be verified. Grain decides whether stage four can be switched on at all. A business with one class of customer is served by either tool. A business selling to wholesale accounts on 60-day terms and retail accounts on 7-day terms has to pick one rate for both, or run no rate, and in practice that means running none. Recalculation is the other property of the stage. A charge computed at the last policy run is out of date the moment a payment lands; a charge computed when the statement leaves is not. Paidnice recomputes at send time, on the balance after any credit on the account, and Chaser recalculates daily. ## The two stages nobody automates for you Stage eight has no automated answer anywhere on this page, and the decision that governs the whole ladder sits outside the map entirely. **Disputes.** Three of the six detect one. Upflow flags dispute signals in a thread, Kolleno branches a workflow on them, and portals from several vendors let a customer raise a query against a line. Detection is not resolution. Somebody still has to find out whether the delivery was short, the purchase order was wrong or the invoice went to the wrong entity, fix it, and reissue. Every hour of that is manual on all six tools, and a disputed invoice sitting inside an automated chase sequence makes the relationship worse rather than better. **The decision to stop chasing.** Escalation inside a sequence is automated. Deciding that the sequence has failed, and that the account now goes to a demand letter, a collections partner or a solicitor, is not. ezyCollect gets closest by putting demand letters and a referral to a collections partner behind a button in the product, and even there a person presses it. Nothing here reads the account and decides on its own that the relationship is over. Both exclusions are worth keeping in the business case. Automation removes the repetitive parts of stages two to seven, and the judgement it leaves behind is the part of credit control that was always the job. ## Rules, schedules and triggers: three ways these tools decide when to act Every tool here needs an answer to one question: what starts the next action. Three answers are in use, and they fail in different ways. - **A schedule** fires on days relative to the due date. ezyCollect runs a pre-reminder and around six follow-up steps per customer; Upflow's automatic actions fire once a day, on business days only. Predictable, and blind to anything that happens between two steps. - **A rule** evaluates state. Paidnice checks every invoice against the policies attached to its customer group, so what happens next depends on which group the customer is in and what the balance is at that moment rather than on which day it is. - **A trigger** fires on an event. Kolleno branches on invoice creation, a payment landing in the ledger, an email bouncing and a file being uploaded, with run-hour restrictions and automatic escalation on top. A schedule keeps sending after the customer has paid unless the ledger sync is fast enough to stop it. A rule does nothing you did not describe in advance. A trigger does nothing until an event arrives, which is a problem when the event you care about is silence. Ask which of the three you are buying, because it decides how much configuration you are signing up for. A schedule can be live in an afternoon. A rule set repays the hour it takes to describe your customer groups. A trigger graph is the most capable and the one most likely to sit half-built six months later. ## What automation costs per stage automated Published entry prices as at August 2026: Paidnice US$69 a month, ezyCollect A$275 a month on an annual contract plus A$900 setup, Chaser £199, Kolleno $650 per user. Upflow and Invoiced publish no price. Divide the published entry price by the number of stages the tool runs and the order changes. Paidnice at US$69 a month across five stages is about US$14 a stage. Chaser at £199 across four is roughly £50. Kolleno at $650 per user across five is $130 a user. ezyCollect at A$275 across four is about A$69, before the A$900 setup fee, the A$90 monthly gateway fee and the per-item charges for post, SMS and demand letters. The arithmetic is crude and it is still the useful one, because each metric grows against something different. Chaser bands by company turnover, so the figure steps when the business grows rather than when the chasing does. Kolleno charges per user, so a collections desk of three multiplies it. ezyCollect meters debtors, users and workflows at once. Paidnice bands by invoice and email volume on a flat tier, billed in the customer's own currency from a fixed local price table rather than a conversion, with unlimited users from Pro up, so its cost per stage moves with the work rather than with the headcount. Two of the six publish nothing usable. Upflow removed its prices from its site and quotes by ARR band; the $440 and $880 figures that circulate are third-party captures rather than published prices. Invoiced publishes no price at all. ## Questions about AR automation What finance teams ask once they have worked out how many stages they actually need automated, answered against the documentation and prices checked in August 2026. ### What is the best AR automation software in 2026? For an SMB on Xero or QuickBooks Online, Paidnice, because it applies late fees and interest as a separate policy per customer group and posts the charge to the ledger, from US$69 a month. For a team that wants credit checks in the same tool, Chaser, from £199 a month. Both prices are as at August 2026; verify current pricing. ### What does AR automation software do? It automates the work of getting invoices paid: scheduled email and SMS reminders, late fees and interest, statements, payment plans, taking the payment and matching it back to the correct invoice. The goal is to close the gap between when an invoice is issued and when the cash arrives, without a person chasing each one. ### Which AR automation tools apply late fees automatically? Paidnice and Chaser. Paidnice runs a policy per customer group and posts the charge to the ledger as Draft or Approved; Chaser runs four calculation types as one global rule that cannot vary by schedule or customer group, and raises no fee on payment-plan or partially paid invoices. Kolleno and ezyCollect document no interest function, Upflow points the job back to your ERP, and Invoiced's handling could not be verified. ### What is the difference between a reminder-only tool and full AR automation? A reminder-only tool sends follow-ups and stops, which improves visibility without changing behaviour. Full AR automation also enforces the terms, applying the fee, the interest and the escalation. The fee is the part that carries into the customer's payables system, because only a posted invoice reaches their aged payables and their payment run. ### How much does AR automation software cost? Every figure here is as at August 2026, so verify current pricing. Paidnice is US$69 a month; ezyCollect is A$275 a month on an annual contract plus a A$900 setup fee; Chaser is £199 a month up to £4m turnover, £599 to £10m and £899 above that; Kolleno is $650 per user a month, or $545 on annual billing. Upflow quotes by ARR band and Invoiced publishes no price. ### Which AR automation tools integrate natively with Xero? All six connect to Xero. Paidnice, Chaser, Kolleno and ezyCollect hold Xero App Store listings with published ratings and review counts, and Upflow holds a listing with a single review. Paidnice is built on Xero and QuickBooks Online only, so a business on MYOB, NetSuite or Sage is choosing from the other five. ### How quickly can you go live? It depends on the tool. Tools that connect through the ledger's own authorization flow can be sending the same day. Enterprise-oriented platforms take weeks of onboarding, Kolleno includes three to six hours of onboarding by tier, and ezyCollect charges a separate setup fee starting at A$900. ### Can AR automation damage customer relationships? The risk comes from one blunt schedule applied to every customer. Tools that route actions by customer group let a strategic account get a gentle nudge while a repeat late payer gets the full sequence, and Paidnice policies can be held in Draft with an approval step before anything sends. ## Method: how stage coverage was scored Stage coverage was read from each vendor's own documentation, and a stage counts only where the tool performs it without a person. Three consequences of that rule are visible in the table above. Chaser's instalment plans exist but are chased against the original due date by hand, so stage five is not counted for it. Upflow's calls raise tasks, so its escalation counts and its calling does not. Invoiced documents a late-fee use case rather than a mechanic, so it carries no count at all rather than an assumed one. Prices are each vendor's own published figure, in the currency that vendor prints, with nothing converted. Ratings carry the platform and the number of reviews behind them, and where two scores sit close together the larger base takes it: Chaser's 4.98 across 374 Xero App Store reviews ranks above a 5.0 across 82. Accounting.Events publishes this page. No vendor pays to appear here or to be placed higher, and none of the six saw the stage scores before they were published. ## 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. Alternatives ### Best Chaser alternatives Six Chaser alternatives on enforcement, price and reviews. Alternatives ### Best Upflow alternatives The best Upflow alternatives by business type. By accounting system ### Best AR software for Xero The top accounts receivable tools for Xero businesses, ranked.