The best Biller Genie alternative in 2026 is Paidnice, for a Xero or QuickBooks Online business that wants the late fee and interest raised on the ledger per customer group, from £49 (US$69) a month.
Chaser, Upflow, ezyCollect and Invoiced complete the five, compared on what each one does that Biller Genie does not: apply a late fee at a useful grain, publish a price, and carry a verified review base. Published entry prices run from £49 (US$69) a month.
| Tool | Best for |
|---|---|
| Paidnice | A Xero or QuickBooks Online business leaving over the 30-day fee that wants the charge on the ledger, per customer group |
| Chaser | A team with a credit controller that wants Creditsafe checks with email, SMS, letter and call chasing, and no payments business attached |
| Upflow | A business unbundling a payments product that first needs to see where its receivables are stuck |
| ezyCollect | An Australian or New Zealand trade business that wants credit screening before terms, in the platform that chases |
| Invoiced | A mid-market billing operation on NetSuite, Sage Intacct or Dynamics 365 Finance that has outgrown the small-business category |
What is accounts receivable software?
Accounts receivable software works the unpaid invoices in your ledger. It reads open invoices from QuickBooks Online or Xero and runs reminders, statements and follow-up on a schedule you set, until each invoice is paid.
- Reminders by email and SMS, with letters and calls on some tools
- Customer statements on a schedule you set
- Late fees and interest, on the three tools that raise them
- A customer payment portal and payment plans
- Credit screening, collections metrics or escalation, depending on the tool
It is not a payment processor. None of the five alternatives here processes payments. Your merchant account, gateway and card surcharging stay with a processor, which is the half of the Biller Genie bundle you unpick.
It is not your ledger. QuickBooks Online or Xero keeps the invoice and the payment. A late fee changes a payment decision only when the tool posts it to that ledger as an invoice before the customer’s payment run.
It is not invoice finance, and a late fee is not a card surcharge. A payment plan leaves the receivable and the credit risk with you, and a surcharge only fires when the customer pays by card.
Reminders and statements alone are a full use case. Late fees, credit checks and analytics are layers you add when your ledger needs them.
How this list was put together
This list helps a Biller Genie user find a tool that applies a late fee at a useful grain and publishes a price.
| What we checked | Where the evidence came from |
|---|---|
| Late fee grain | Vendor help pages on fees and interest |
| Published price you can sign off | The vendor's pricing page, and the last reported price where it is now hidden |
| Review base | The Xero App Store, including the Australian store, or G2, with the review count |
| Ledger integrations | Vendor integration pages |
| Statements, payment plans and a portal | Vendor feature pages |
| Credit checks | Vendor product pages |
What is the best Biller Genie alternative?
The one automatic consequence Biller Genie holds over a late payer is the Late Fee Manager, so read how it works before you shop for a replacement. Nothing happens for the first 30 days.
After that the same amount is charged, and charged again every 30 days, with no interest calculation and no variation between one customer and another. It books to a Finance Charge account and syncs back with the payment.
That single mechanic explains most of this shortlist. So does the way you bought the product: Biller Genie is resold through payment processors and merchant services agents, so the software often arrives bundled with a merchant account. No other comparison on this site has to deal with that, so two sections below cover it.
What Biller Genie is, and who sold it to you
Biller Genie automates invoice delivery, reminders and online payment on top of QuickBooks, Xero or AccountingSuite. Biller Genie's last reported price was $49.95 a month plus 0.50% of invoices collected. Current prices are hidden and must be requested. G2 and Capterra list $24.95 a month as a starting price.
That distribution explains the product. A percentage of collections is a processor’s pricing model rather than a software company’s. Biller Genie pushes its own merchant services alongside the software, although its site and docs say you can connect your own gateway, and they name USAePay, Maverick, Sola, Authorize.Net, Elavon and PayPal.
And the depth sits on the payments side rather than the receivables side: named gateways including USAePay, Maverick, Sola, Authorize.Net, Elavon and PayPal, surcharging and dual pricing with their own checkout flows, a virtual terminal and check capture, plus rare QuickBooks Desktop support through a separate connector. Where a US business has a payments problem rather than a receivables problem, it is a strong product.
- The percentage
- On the last reported rate, 0.50% of everything collected sits on top of the monthly fee, so the bill grows with revenue whether or not the tool is doing more work.
- The merchant stack
- Biller Genie pushes its own merchant services, and a reseller may have sold the software and the processing together. Its site and docs say you can connect your own gateway, so a business with a processor it likes should ask whether keeping it changes the quote.
- One cadence, no SMS
- Reminder timing is set once for the whole account and cannot be varied for a specific customer, and there is no SMS channel at all. Paper mail is a paid add-on, last reported at $1.50 a reminder by third-party listings.
- The late fee
- The Late Fee Manager is an add-on that does not treat an invoice as late until it is 30 days past due, then charges on a recurring 30-day schedule. There is no interest calculation, and nothing varies by customer.
Its public review base reflects the split: 4.8 from 27 reviews on Capterra, but 3.0 from 4 on G2 and 2.33 from 3 on its Xero App Store listing, where two of the three reviews give 1 star.
What 0.50% of collections adds up to
The Biller Genie bill, as last reported, is two numbers: $49.95 a month, and 0.50% of the invoice value collected through it. The second number is the one that decides whether an alternative is cheaper, and it depends entirely on how much a business collects.
On $150,000 collected in a month at 0.50%, the percentage fee is $750.00, so that month costs $799.95 and a year at the same volume costs $9,599.40.
Set against that, the published alternatives are flat. Paidnice is £49 (US$69) a month on Essentials and £74 (US$99) on Pro, charged on invoice volume rather than invoice value. Chaser Compact is £199 a month for revenue under £4m. Neither takes a share of what you collect.
What is the difference between a late fee and a card surcharge?
A surcharge is a percentage added for paying by card. A late fee is a charge for paying late. They are collected differently, they are governed by different rules, and a tool that automates one does not automate the other. Biller Genie does both, which is why buyers conflate them.
The surcharge rulebook belongs to the card networks. Adding a fee for card acceptance is permitted only inside the brand rules you agreed to when you took the merchant account.
The surcharge is capped, it cannot exceed what you pay to accept the card, it has to be disclosed to the customer before the transaction and shown again on the receipt, and it does not apply to debit at all.
Several US states restrict or prohibit it outright. Dual pricing, where a cash price and a card price are both displayed, exists because it sits in a different part of the same rulebook.
The late fee rulebook is your own contract. What you may charge for late payment comes from the terms the customer agreed to, bounded by the rate limits of whichever state’s law governs the contract.
It applies whatever the customer eventually pays with, it accrues while the invoice sits unpaid, and it belongs on the ledger rather than at the checkout.
- A surcharge only fires if they pay by card. The customer who pays late by check or ACH, which is the customer this entire category exists for, never sees it.
- A late fee reaches their accounts payable; a surcharge reaches their checkout. One is an invoice somebody has to schedule. The other is a line on a payment screen a buyer can avoid by paying another way.
- They are configured in different places. Surcharging is set up with your processor. A fee policy is set up in whatever reads your ledger. Separating the two is the migration.
Upflow points the fee back to your ERP. ezyCollect documents no fee or interest function anywhere and offers automatic and customer-level card surcharging instead, which is the same substitution Biller Genie makes. Invoiced documents flat or percentage fees on schedules that can be assigned to customer groups.
Five alternatives, and what each one does about payments
 |
 |
 |
 |
 |
|
|---|---|---|---|---|---|
| Best for | Late fee on the ledger per customer group, Xero or QuickBooks Online | Creditsafe checks with email, SMS, letter and call chasing | Seeing where receivables are stuck, before enforcing anything | Australian and New Zealand trade credit screening with chasing | Mid-market billing on NetSuite, Sage Intacct or Dynamics 365 Finance |
| 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 | Priced by active debtor count, from 200 debtors | Not published |
| From (monthly) | $69 | £199 | Not published | A$275 plus a A$900 setup fee (last published; now hidden, request a quote) | Not documented |
| Ledger integrations | Xero, QuickBooks Online and newer ledgers such as Rillet and Campfire (closed testing) on every plan; Sage Accounting and other ERPs on Custom | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 Business Central, AccountsIQ, SAP | Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora | Xero, MYOB, NetSuite, SAP Business One, Sage 300 and Intacct, Pronto Xi; QuickBooks logo on homepage, no connector page | NetSuite, Sage Intacct, Dynamics 365 Finance, QuickBooks, Xero |
| Late fee grain | Yes (per customer group) | Yes (one set of late-fee rules, not tied to schedules) | No (via your ERP only) | None found | Yes (schedules by customer group) |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | Portal PDF statement, no scheduled send | Yes (monthly) | Not documented |
| Payment plans | Yes (on Pro) | Yes | No (promises to pay only) | Yes (enabled by support) | Not documented |
| Portal | Yes | Yes | Yes | Yes | Yes |
| Credit checks | Yes: native checks from payment behavior, plus Creditsafe via API on the Custom plan | Yes (Creditsafe) | Yes (light scoring) | Yes (Experian) | None found |
| AI | Advanced Reads customer replies, drafts answers and follow-up actions (like PO updates) for your approval; MCP server for Claude, ChatGPT and other agents | Advanced Collections and cash application agents, from suggest-only to autonomous (Collections Agent from Scale, Cash Application Agent from Accelerate) | Basic an AI email template generator as a paid add-on | Advanced Agentic AI (Assist, Automate, Advise) and CashMatch AI matching | |
| Rated (source, count) | 5.0 (84, Xero App Store) | 4.98 (374, Xero App Store) | 4.8 (235, G2) | 4.9 (35, Xero App Store AU) | 4.5 (418, 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, in the currency the vendor prints.
The five tools in five checked facts
- All five connect to Xero; four of the five connect to QuickBooks Online.
- AI that handles collections work or customer replies: Paidnice, Upflow and Invoiced. AI that scores or predicts only: ezyCollect.
1. Paidnice, best for ledger-posted late fees
Best for: Xero and QuickBooks Online businesses that want the fee on the ledger, any size up to $50m a year, or 50,000 invoices a year.
What is Paidnice best for?
For a business leaving Biller Genie because a reminder and a payment page are not enough, and the late fee needs to be raised on the ledger with a different rule for each customer group.
- Fits
- Xero and QuickBooks Online businesses of any size up to $50m a year, or 50,000 invoices a year, with or without a dedicated collections person
- Regions
- United States, Canada, United Kingdom, Australia, New Zealand, South Africa
- Entry cost
- £49 (US$69) a month on Essentials, covering 150 invoices, 600 emails, up to 2 team members, SMS and escalation workflows, sent from outbound@paidnice.com; Pro from £74 (US$99) a month with unlimited users, no per-seat fee, payment plans and sending from your own domain; extra Xero or QuickBooks organisations through a per-entity add-on from $29/mo. Customers are billed in their own currency from a fixed local price table rather than a conversion.
- Rated
- 5.0 from 84 Xero App Store reviews; 4.9 from 14 on Capterra
- Awards
- Xero Global Small Business App of the Year 2025 and NZ Small Business App of the Year 2026
- Runs on
- Xero and QuickBooks Online on every plan; newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo on every plan through the closed testing program; Stripe, Pinch Payments, CloudDepot, HubSpot, Pipedrive, Zapier. No QuickBooks Desktop. NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on the Custom plan only
- Late fees and interest
- Yes. Two charge types on the same customer group, an invoice late fee charged per overdue invoice and a statement interest charge against the whole overdue balance, flat, percentage or compounding, with compounding on by default and a Bank of England base rate option for UK trading
Paidnice is the receivables half without the payments half, which is the shape of what you are unbundling. Reminder sequences run per customer group, statements go on whatever schedule you set including consolidated parent accounts, and payment plans, early payment discounts and a customer payment portal sit behind them.
Reminders leave by email and SMS. Paidnice sends through a connected Gmail or Outlook (Microsoft 365) mailbox, or from your own domain on Pro; Essentials sends from outbound@paidnice.com. A company running several Xero or QuickBooks organisations adds them through a per-entity add-on.
The charge is raised in the ledger as a Draft or an Approved invoice, and that placement is the whole argument. A Finance Charge line that syncs back with the payment arrives after your customer has already decided what to pay.
An invoice posted to their ledger arrives before their payment run, in the queue their accounts payable clerk works from. Statement interest is recalculated at the moment the statement sends rather than at the last policy run, and it is figured on the balance after any credit on the account.
Paidnice says its AI reads each inbound reply and drafts an answer to it; a person approves every drafted reply before it sends. The vendor reports customers halving their average days to payment within a month of switching it on.
Limitations with Paidnice. It processes nothing itself, so your merchant account and your surcharging setup become a separate decision rather than part of the product. Xero and QuickBooks Online on every plan, and newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo on every plan through Paidnice's closed testing program, with no QuickBooks Desktop support at all, which rules it out for a Desktop business.
NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central are a Custom-plan build rather than connectors. Paidnice matches payments through Xero and QuickBooks Online and Stripe; bank-file matching is not documented.
Essentials holds 150 invoices and two team members, and some payment behavior differs between the two ledgers. On test 4 its 84 reviews are a thinner base than the 374 below.
2. Chaser, best for in-tool bureau checks
Best for: Teams that want bureau credit checking in the same tool.
Compact priced for turnover under £4m
What is Chaser best for?
For a finance team with a named credit controller that wants email, SMS, letters and automated calls on one schedule, with Creditsafe credit checks in the same system.
- Fits
- Businesses with a named credit controller; Compact is under £4m, Core from £4m and Complete to £100m
- Regions
- UK-registered, trading since 2014, sells worldwide
- Entry cost
- £199/mo on Compact for turnover under £4m with 4 users; Core £599/mo under £10m; Complete £899/mo to £100m; Chaser Care, the managed service sold bundled with the software, from £899/mo on Compact (£1,599 on Core, £2,099 on Complete). Prices are in GBP. Chaser offers a free trial (10 days on the Xero listing) or a conversation with an expert (Chaser pricing page and Xero App Store listing).
- Rated
- 4.98 from 374 Xero App Store reviews; 4.3 from 71 on G2; 4.9 from 45 on Capterra, though that base is mostly 2020 to 2022
- Awards
- Finalist, UK Small Business App Partner of the Year, Xero Awards 2023
- Runs on
- 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, 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
- Customers
- Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered.
Chaser has been chasing invoices since 2014 and has no payments business of its own to protect, which on this page reads as a feature rather than a gap.
Reminders go from the team’s own Gmail or Outlook mailbox, with SMS, printed letters, a one-way automated call, a payer portal and integrated collections through its partner Debitura behind them. Every channel except email is metered by credits, so the running cost tracks how hard you chase rather than how much you collect.
Its in-app credit report comes from Creditsafe and carries a credit score with a recommended limit, the customer’s payment score, credit event history, and Companies House filing and director data, with continuous monitoring over the top. Chaser credit checks are sold by credit on any plan and need Chaser billing, not Xero App Store billing; monitoring is not offered in Australia.
Nothing in Biller Genie is equivalent. For a business whose real exposure is who it extends terms to rather than how it takes the card, that is the reason to move in this direction rather than towards analytics.
Limitations with Chaser. One set of late-fee rules, across the account or for selected debtors, not tied to schedules; nothing is raised on payment-plan invoices; Chaser's help says a late fee cannot be added or updated after a part payment when written to Xero; and a line-item sync that writes the fee back on Xero only. Statements go monthly, on a fixed day. Compact holds four users.
Chaser prices by revenue band rather than invoice volume. Compact is £199 a month for revenue under £4m. Above £4m a team is on Core from £599. Chaser offers a free trial (10 days on the Xero listing) or a conversation with an expert.
3. Upflow, best for where money stops moving
Best for: Finding where the money stops moving.
Gross invoice value tiers, and payments only as a $390 a month add-on
What is Upflow best for?
For a business unbundling a payments product and discovering it has never had a receivables number to look at, only a processing statement.
- 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
- Founded in Paris in 2018, headquartered in New York, 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 review on its Xero App Store listing
- Awards
- None found
- Runs on
- Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora
- Late fees and interest
- No, via your ERP only. Upflow's own documentation points the job back to the ERP and there is no native computation
- Customers
- Named on its website: Lattice, Vercel and Front. Lattice's case study reports 99% collection with one person in AR.
Upflow answers a question a Biller Genie buyer has usually not asked yet: where the money is actually stuck.
Countback DSO set against best possible DSO, collection effectiveness, at-risk balances and billing-cohort cash forecasting sit on dashboards you can filter by workflow, country or account manager and have delivered by email, and its cash application matches incoming payments to invoices even where the remittance detail is missing.
What it will not do is enforce. There is no fee engine, no installment schedule, payments only through an optional add-on, and the free Discover tier reports the numbers and chases nobody. For a business leaving over the percentage of collections, that is a sideways move rather than a replacement, unless reporting was the thing that was actually missing.
Limitations with Upflow. No native late fees, so fees go back to your ERP. 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, and the QuickBooks link is one-way, polled every five minutes, with payments landing in Undeposited Funds for manual reconciliation.
4. ezyCollect, best for credit screening and chasing
Best for: Wholesale and trade businesses that want credit screening with their chasing, priced by active debtor count.
What is ezyCollect best for?
For an Australian or New Zealand wholesale, distribution or trade business that wants a customer screened for credit risk before terms are extended, in the same platform that chases the invoice.
- Fits
- Wholesale, distribution and trade businesses. No revenue band published; the product is priced by active debtor count, starting at 200 debtors
- Regions
- Founded in Sydney, part of Sidetrade since October 2025. Core market is Australia and New Zealand, with ACH support for the United States
- Entry cost
- ezyCollect's last published prices were A$275 a month for ezyStart (up to 200 active debtors, 3 users, 1 workflow, on a 12-month plan), with a setup fee from A$900; ezyGrow A$950 a month (up to 500 active debtors, 5 users, 3 workflows), ezyScale A$2,350 (up to 1,500 active debtors, 10 users, 5 workflows) and ezyUltimate on a custom quote (up to 3,000 active debtors, 20 users, 10 workflows), with setup from A$3,900 on the plans above ezyStart. Month-by-month billing was about 20% higher, and prices are GST exclusive. Mail, SMS and fax are charged on top, in-app demand letters are A$49 each ex GST, and the payment gateway carries a A$90 a month ex GST fee. 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 reviews on its Xero App Store listing; 4.7 from 25 on G2; 4.9 from 12 on Capterra, a base that is thin and mostly pre-2024
- Awards
- None found
- Runs on
- Xero, MYOB AccountRight, Exo, Essentials and Acumatica, NetSuite, Dynamics, Sage 300 and Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve, CSV; QuickBooks logo on homepage, no connector page
- Late fees and interest
- None found. No late fee or interest function appears anywhere in the vendor's help center or its relaunch materials; card surcharging is the only charge it adds
- 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 works the customer rather than the invoice: overdues are consolidated per customer, and workflows run a pre-reminder plus a set of follow-up steps (six in the help center's example) across email, mail, SMS, fax and call tasks.
Credit Insights combines your own aged trial balance and terms with external Experian data to put customers into risk groups, with monitoring sized by debtor count. Escalation runs through in-app demand letters and a manual referral to partner collection agencies at a commission from 25% of the amount recovered.
Limitations with ezyCollect. No late fee or interest automation of any kind, which is the capability a business usually leaves Biller Genie to get. Customers who fall outside the workflow window stop receiving automated follow-ups. The subscription is priced by active debtor count with a setup fee on every tier, and mail, SMS and fax sit on top of it.
The published price is the annual-contract rate, so monthly billing is about 20% higher. Reviewers report a gap between the advertised price and the quoted one. The review base is thin and mostly predates 2024, and there is no public API documentation.
5. Invoiced, best for complex ERP billing
Best for: Complex, higher-volume billing on an ERP.
With no published price
What is Invoiced best for?
For a mid-market or enterprise billing operation on NetSuite, Sage Intacct or Dynamics 365 Finance that needs the whole invoice-to-cash cycle in one platform.
- Fits
- Upper-mid-market and enterprise B2B finance teams. No revenue band published
- Regions
- United States, part of Flywire since its acquisition
- Entry cost
- Not published, and no figure could be verified from the vendor's public materials. Ask for a written quote before committing
- Rated
- 4.7 from 149 reviews on Capterra; 4.5 from 418 reviews on G2
- Awards
- Not published
- Runs on
- NetSuite, Sage Intacct, Dynamics 365 Finance, QuickBooks Online, QuickBooks Desktop, QuickBooks Enterprise, Xero
- Late fees and interest
- Yes. Flat or percentage fee with a grace period and adjustable interval, posted as a separate invoice line item, with multiple schedules assignable to different customer groups
- Customers
- Named on its website: WebPT, iWave and Apartment Life. Apartment Life's case study reports overdue accounts cut by 50%.
Invoiced is a US invoice-to-cash platform whose positioning has moved towards the enterprise since the Flywire acquisition: persona pages for the CFO, the controller and the AR manager, gated white papers, and ERP integrations at the center of the story. The Xero and QuickBooks integration pages are still maintained, but they are no longer where the product is being sold.
That matters for a Biller Genie buyer, because Biller Genie is a small-business product bought on a card. Moving to Invoiced means a sales cycle, a quote and an implementation rather than a signup.
Limitations with Invoiced. No price published.
The feature inventory has not been confirmed from primary sources, which is why the statements and payment plans cells for Invoiced in the table above read "Not documented" rather than yes or no. The enterprise direction deprioritises the small-business audience the Xero and QuickBooks integration pages nominally serve.
Your merchant account after Biller Genie
- Does your processing agreement survive? If the card and ACH processing was written alongside the software by the same agent, find out what the agreement covers on its own, what the term is, and whether anything in it ends when the software does.
- Who holds the cards on file? Stored payment methods live with a gateway or a processor rather than with an invoicing app, and whether they can be tokenised across to a new provider depends on that relationship rather than on the tool you are leaving. If they cannot move, every customer on autopay re-enters a card.
- Does the surcharging configuration move? Surcharging and dual pricing are set up in the checkout flow. A receivables tool does not carry them, so they either stay with the processor or they stop.
- What happens to reconciliation? Today the fee, the payment and the QuickBooks record arrive together. Split the stack and the fee is posted by one system while the settlement lands from another, which is a bank rule to write rather than a crisis, but it is work somebody does once.
- Who do you call when a payment fails? One vendor becomes two. Ask that question in both directions before you sign anything.
The upside of the split is that the two halves stop being priced as one. Once processing is a processing contract, it can be shopped on rate.
The 30-day repeat, against a policy you control
The Late Fee Manager waits 30 days, then charges the same amount every 30 days after that. Three of the five below replace that with something you can shape: Paidnice with policies per customer group carrying two charge types at once, Chaser with four calculation types run as one set of late-fee rules, and Invoiced with flat or percentage fees, a grace period and schedules by customer group.
Two things separate Paidnice and Chaser from what you have. The first is timing: both compute against the due date rather than waiting out a fixed month, so a customer 40 days late and a customer 90 days late are not charged the same amount.
The second is grain. Chaser recalculates daily across four calculation types, but one set of late-fee rules covers the account or selected debtors, not tied to schedules, with no documented way to run different rules per group. Nothing is raised on a payment-plan invoice, and Chaser's help says a late fee cannot be added or updated after a part payment when written to Xero.
Paidnice hangs its policies under customer groups, so a wholesale group, a retail group and a disputed-accounts group each carry a different rule at once, with a fee per overdue invoice and an interest charge against the whole overdue balance running together.
Chaser: one set of late-fee rules
- A daily recalculation, on any of four methods
- One set of late-fee rules, for the account or selected debtors
- No late fee on payment-plan invoices, or added or updated after a part payment written to Xero
- The write-back is a Xero line item and nothing else
Paidnice: a setting for each customer group
- Flat, percentage or compounding, compounding on by default
- As many rules as you have customer groups
- A charge per overdue invoice and one against the balance
- Net of any credit sitting on the account
- Lands in Xero or QuickBooks Online as a real invoice
Where the fee lands: on the ledger, or inside the app
Biller Genie books its late fee to a Finance Charge account and syncs it back with the payment, which means the charge is recorded at the moment your customer pays rather than while they are deciding what to pay.
So ask any vendor to show you the charge inside the Xero or QuickBooks record rather than on their own dashboard. Paidnice posts it as a Draft or an Approved invoice, your choice. Chaser raises it and syncs it back as a line item on Xero alone. Upflow does not raise it at all.
Installments, and who holds the card on file
Paidnice, Chaser and ezyCollect all schedule installments against an open invoice. Upflow takes customer-initiated part payments and promises to pay instead, and nothing could be verified for Invoiced. Biller Genie has the customer request a plan through the portal and the merchant approve or reject each one.
On the first, that approval step puts a person in the loop on every plan, which is fine at a handful a month and a bottleneck at fifty.
Chaser splits an invoice weekly through to yearly, but its chasing keeps following the original due date rather than the installment dates, and its own documentation says to chase the installments manually. ezyCollect sells Payment Plans as a paid add-on, set up at the invoice or customer level.
On the second, the stored payment method sits with whoever processes the payment. Payment plans start on Pro. Paidnice runs deposits, installments and auto-pay through Stripe and Pinch, so the card lives with the gateway you connect rather than inside a bundled merchant account. That is the same unbundling question as the section above, arriving through a different door.
What do these alternatives cost against a per-transaction model?
Published entry prices for the five: Paidnice £49 (US$69) a month, Chaser £199, ezyCollect A$275 (last published; now hidden, request a quote) on an annual contract plus a A$900 setup fee. Upflow and Invoiced publish nothing.
Every alternative on this page is a subscription: Paidnice bills on invoice volume with no per-seat fee above the entry plan, Chaser bills on company turnover so the step arrives with growth rather than usage, and ezyCollect bills on active debtor count with a setup fee on every tier and mail, SMS and fax metered on top.
Then add what falls out of the bundle. Processing does not disappear when the software changes, so the fair comparison is the alternative’s subscription plus whatever your processor charges once it is priced on its own, set against $49.95 plus the percentage plus any processing bundled with it.
Invoiced publishes no figure at any tier, so a written quote is the only way to line it up against anything else here. Chaser offers a free trial (10 days on the Xero listing) or a conversation with an expert. Upflow offers a free Discover dashboard tier and a 14-day free trial on its Xero App Store listing; its pricing page lists no trial.
QuickBooks Online, Xero, and where the payment lands
Biller Genie reaches QuickBooks Online, Xero, AccountingSuite and, unusually for this category, QuickBooks Desktop.
- QuickBooks Desktop. Invoiced lists Desktop and Enterprise. Paidnice, Chaser, Upflow and ezyCollect do not, so four of the five are gone before the feature comparison starts. On Desktop, with Invoiced out of budget, Biller Genie's own Desktop connector is the option on this page; consider Paidnice for the chasing if you move to QuickBooks Online.
- QuickBooks Online. Four of the five connect (ezyCollect shows a QuickBooks logo on its homepage but no connector page), and the direction of the connection matters more than the tick. The Upflow link is one-way and polled every five minutes, so it reads the ledger rather than writing to it, which is a problem when the whole point is posting a charge.
- Xero. All five connect. Paidnice, Chaser and Invoiced are the three that also raise a fee, and Chaser’s line-item fee sync works only here.
- MYOB. ezyCollect covers AccountRight, Exo, Essentials and Acumatica, which nothing else on this page does. Paidnice reaches MYOB on its Custom plan as a build.
- NetSuite, Sage Intacct and SAP. Chaser, Upflow, ezyCollect and Invoiced. Paidnice reaches NetSuite, Sage Intacct and Dynamics 365 Business Central on the Custom plan only.
Which Biller Genie alternative fits your use case?
| Use case | Start with | Why |
|---|---|---|
| Leaving over the 30-day late fee, on Xero or QuickBooks Online | Paidnice | A fee policy per customer group, posted to the ledger, from £49 (US$69) a month |
| Credit checks before you extend terms | Chaser | Creditsafe reports beside email, SMS, letter and call chasing, from £199 a month |
| You need to see where receivables are stuck | Upflow | Countback DSO and collection effectiveness dashboards, quoted rather than priced |
| Australian or New Zealand trade customers | ezyCollect | Experian credit screening and demand letters, with no late fee function |
| You run QuickBooks Desktop | Invoiced | Invoiced is the only alternative here that lists Desktop |
| Card volume is the workload and receivables are under control | Biller Genie | Its payments stack is the deepest on this page; consider Paidnice for the chasing around it |
Questions from teams leaving a payments-led AR tool
Why do businesses look for a Biller Genie alternative?
Four reasons come up. The first two are the 0.50% of collected invoice value on top of the last reported $49.95 monthly fee, and the push to process payments through Biller Genie's own merchant services, although its docs say you can connect your own gateway.
The other two are one global reminder cadence with no SMS, and a late fee add-on that will not treat an invoice as late until it is 30 days past due.
Which Biller Genie alternative is cheapest?
Paidnice, at £49 (US$69) a month on Essentials, covering 150 invoices, 600 emails and up to two team members.
Chaser starts at £199 a month for turnover under £4m, ezyCollect at A$275 a month (last published; now hidden, request a quote) on an annual contract plus a A$900 setup fee; Invoiced publishes no price at all, and Upflow's last published prices were $440 a month for Grow and $880 for Scale, and current prices are hidden.
Upflow's free Discover tier is analytics only and runs no collection automation.
Which of these alternatives apply late fees automatically?
Paidnice, Chaser and Invoiced: Paidnice runs a policy per customer group and posts the charge to the ledger as Draft or Approved, with two charge types available on the same group. Chaser runs four calculation types as one set of late-fee rules, across the account or for selected debtors.
Upflow points the job back to your ERP, ezyCollect documents no fee or interest function anywhere in its help center, and Invoiced documents flat or percentage fees on schedules that can be assigned to customer groups.
Do these alternatives integrate with QuickBooks and Xero?
All five connect to Xero, and four of the five connect to QuickBooks Online; ezyCollect shows a QuickBooks logo on its homepage but no connector page. Only Invoiced lists QuickBooks Desktop, so a Desktop business loses four of the five options immediately. Confirm your own ledger and edition before you shortlist anything.
How much does Biller Genie cost?
Biller Genie's last reported price was $49.95 a month plus 0.50% of invoices collected. Current prices are hidden and must be requested. G2 and Capterra list $24.95 a month as a starting price.
What happens to my merchant account if I leave Biller Genie?
None of the five alternatives is a payment processor, so your processing stays a separate contract. Check what the processing agreement covers on its own, who holds the cards on file, and whether surcharging stays with the processor or stops.
What does Biller Genie still do better than these alternatives?
Payments. Named gateways including USAePay, Maverick, Sola, Authorize.Net, Elavon and PayPal, surcharging and dual pricing with dedicated checkout flows, a virtual terminal and check capture make it the deepest card and ACH stack of anything on this page, and it reaches QuickBooks Desktop through a separate connector.
If card volume is the workload and the receivables side is already under control, the percentage may be the cheaper trade. Consider Paidnice for the chasing around it.
Also worth reading before you switch
Buyer's guide
Best accounts receivable software
The pillar guide: pick by size and accounting system, with a recommendation matrix.
By accounting system
Best AR automation for QuickBooks
The tools that pick up where QuickBooks Online stops, compared.
Late fees
How much can I charge in late fees?
What a late fee can legally be, and how to set the rate.
Alternatives
Best ezyCollect alternatives
Five ezyCollect alternatives on enforcement, price and reviews.
Sources
15 sources, checked by Julie Turnbridge on November 3, 2026
- Capterra capterra.com/p/176347/Biller-Genie/reviews
- G2 g2.com/products/biller-genie
- Xero App Store apps.xero.com/us/app/biller-genie
- Xero App Store apps.xero.com/uk/app/paidnice
- Capterra capterra.com/p/254868/Paidnice
- Xero App Store apps.xero.com/uk/app/chaser
- G2 g2.com/products/chaser/reviews
- Capterra capterra.com/p/157101/CHASER/reviews
- G2 g2.com/products/upflow-upflow/reviews
- Capterra capterra.com/p/193097/Upflow
- Xero App Store 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
- G2 g2.com/products/ezycollect/reviews
- Capterra capterra.com/p/135729/ezyCollect
