--- type: Software Buyer's Guide title: 5 Best Debtor Management Apps for Xero in Australia in 2026 description: Paidnice, CreditorWatch Collect, Chaser, ezyCollect and Kolleno compared for Australian Xero businesses on App Store evidence and late fees. resource: https://accounting.events/reviews/best-debtor-management-app-xero-australia/ tags: [best debtor management app for xero australia, debtor management apps xero integration, debtor management software australia, xero debtor tracking apps, paidnice reviews xero app store, ezycollect reviews xero app store, credit control software australia] timestamp: 2026-11-03 author: Harry P. Smart fact_checked_by: Julie Turnbridge fact_checked: 2026-11-03 --- > **Facts checked November 2026.** We re-checked the prices, plans and features on this page against each vendor's own pages and app store listings. Where a vendor hides a price, we show the last published one and say so. **The five best debtor management apps for Xero in Australia in 2026 are Paidnice, CreditorWatch Collect, Chaser, ezyCollect and Kolleno, compared on Xero App Store review evidence and on whether the app applies the late fee your contract allows. Prices from A$99 a month.** | Tool | Best for | | --- | --- | | Paidnice | an Australian business on Xero or QuickBooks Online, any size up to $50m a year, that wants the late fee in its terms raised per customer group | | CreditorWatch Collect | Australian owners who want human callers chasing debtors alongside the software, last published listing price on Capterra from A$175 a month, current prices hidden and must be requested | | Chaser | a team that wants Creditsafe credit checks and collections in the same tool, under £4m turnover on the entry tier | Paidnice suits an Australian business on Xero that wants contractual late fees applied per customer group. CreditorWatch Collect suits an owner who wants human callers chasing alongside the software. Chaser suits a team that wants bureau credit checks in the same tool. ezyCollect and Kolleno suit larger teams: ezyCollect for AU mid-market teams with several ERPs, Kolleno for order-to-cash teams that also hold a Xero entity. Source: [Xero Small Business Insights, Australia](https://www.xero.com/au/resources/small-business-insights/latest-australia/) and the [Xero cash flow media release](https://www.xero.com/au/media-releases/crunch-cash-flow-report-part-2-au/). An Australian invoice is paid 6.0 days late on average. The reminder email is the part every app covers. The difference between them is whether the invoice terms carry a consequence and whether the app enforces it. This page compares five apps on Xero App Store evidence, published price, and whether the app raises the late fee your contract allows. Apps are compared on whether they raise a late fee on the Xero ledger, set rules per customer group, publish an AUD price, their Xero App Store rating and review count, and whether they also run reminders, statements and payment plans. Satago lists on the Australian Xero App Store at 4.93 from 92 reviews but is left out because it publishes no AUD price and its credit data and invoice finance are built for UK companies. > **CPA note, Harry P. Smart:** ezyCollect's Experian data is useful for new trade accounts. The fee and statement write-back are a separate decision for the enforcement step. ## What a debtor management app for Xero is (and what it is not) A debtor management app for Xero reads overdue invoices, contacts and payments out of Xero and works them: reminder sequences by email and SMS, statements, payment plans, a customer payment portal and escalation. The stronger apps also raise the late fee your terms allow as an invoice back in Xero. That last step matters in Australia, where no general statutory interest rate applies to an overdue business invoice. The right to charge comes from the terms the customer accepted, so the app either enforces the clause or leaves it as words. What it is not: - Not the ledger. Invoices, contacts and payments stay in Xero, and each app syncs with it on its own cycle, every 24 hours in the case of CreditorWatch Collect. - Not a collection agency. CreditorWatch Collect and ezyCollect refer a debt to collection partners on commission, the last rung of the ASBFEO ladder after a letter of demand. - Not a credit bureau, although ezyCollect draws on Experian data and Chaser carries Creditsafe reports. - Not a general Xero add-on. Payroll, inventory, expenses and reporting apps sit in other categories. Reminders and statements alone are a full use case for these apps, and a late fee is optional. The five below differ most on whether they raise one. ## How this list was put together This list helps an Australian business on Xero choose a debtor management app that raises the late fee its terms allow. | What we checked | Where the evidence came from | | --- | --- | | Xero App Store listing and rating | The Xero App Store, with each review count | | Contractual late fees raised in Xero, since no general statutory interest rate applies here | Vendor help pages on fees and interest | | Statements, payment plans and instalments | Vendor feature pages | | Human calling service | Vendor add-on and pricing pages | | Credit checks | Vendor product pages for Creditsafe, Experian and bureau scores | | Published from-price | The vendor's pricing page, and the last reported price where it is now hidden | ## What is the best debtor management app for Xero in Australia? Paidnice is the best debtor management app for Xero in Australia for a business of any size up to $50m a year that wants contractual late fees raised per customer group, from A$99 a month. CreditorWatch Collect fits owners who want human callers, Chaser fits a team that wants bureau credit checks in the same tool, ezyCollect fits mid-market teams running several ERPs, and Kolleno fits order-to-cash teams that also hold a Xero entity. Australia has no general statutory interest rate on an overdue business invoice, so the right to charge a late fee comes from the terms the customer agreed to. An app that only sends reminders leaves the clause as words. An app that raises the fee in Xero turns it into a receivable. Of the five apps here, Paidnice and Chaser raise a late fee themselves. CreditorWatch Collect and ezyCollect document no late fee or interest function in their help material. Kolleno publishes no evidence of one. That row separates the five most sharply, and review evidence adds the rest. The [Australian Small Business and Family Enterprise Ombudsman](https://www.asbfeo.gov.au/resources-tools-centre/handling-debts) describes the escalation ladder as friendly reminders, informal negotiation, a letter of demand, then a collection agency. Every app below covers the first rung. The difference is which ones add pressure before the ladder reaches a lawyer. ## How do the five debtor management apps for Xero compare? Paidnice and Chaser are the two apps here that raise a late fee themselves. CreditorWatch Collect and ezyCollect are the Australian incumbents built around reminders, calls and collection referral. Kolleno is a London-based order-to-cash platform. | | [Paidnice logo](#paidnice) | [CreditorWatch Collect logo](#creditorwatch-collect) | [Chaser logo](#chaser) | [ezyCollect logo](#ezycollect) | [Kolleno logo](#kolleno) | | Best for | Late fees per customer group on Xero, any size up to $50m | Owners who want human callers alongside the software | Creditsafe checks and collections in one tool, under £4m on entry | Mid-market teams on several Australian ERPs, 200 debtors and up | Order-to-cash teams on NetSuite or SAP with a Xero entity | | Revenue fit | Any size up to $50m a year, or 50,000 invoices a year | Not published | Compact under £4m, Core from £4m, Complete to £100m | Not published (200 debtors on the entry tier) | Under £1m on BusinessPay, tiers to £1bn and above | | From (monthly) | A$99 | Last published listing price from A$175 on Capterra; current prices hidden and must be requested | £199 | A$275 a month for ezyStart, setup from A$900 (last published; current prices hidden and must be requested) | $650 per user | | 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 (24-hour sync), MYOB, QuickBooks | Xero, QuickBooks, Sage, NetSuite, Dynamics 365, 25+ systems | Xero, MYOB, NetSuite, Dynamics, Sage, SAP B1, Pronto; QuickBooks logo on homepage, no connector page | Xero, QuickBooks Online and newer ledgers such as Rillet and Campfire (closed testing) on every plan; Sage Accounting and other ERPs on Custom, Sage Intacct; NetSuite, Business Central, SAP on Enterprise tiers | | Contractual late fees | Yes (per customer group, invoice fee and statement interest) | None found | Yes (one set of late-fee rules, not tied to schedules) | None found | None found | | Statements | Yes (scheduled, consolidated parent accounts) | Yes (statement reminders) | Yes (monthly, fixed day) | Yes (monthly) | Yes (portal) | | Payment plans | Yes, on Pro (instalments via Stripe or Pinch) | Partial (AutoPay recurring direct debit, no instalment plans) | Yes (per invoice) | Yes (enabled by support) | Yes | | Human calling service | None; your own team calls in-app, recorded and transcribed | Yes (Call Assist add-on, A$195 to A$795 a month) | Yes (Chaser Care, from £899 bundled with Compact) | None found | None found | | Credit checks | Yes: native checks from payment behaviour, plus Creditsafe via API on the Custom plan | Partial (parent bureau scores) | Yes (Creditsafe) | Yes (Experian data) | Yes | | 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 | Basic: Debtor Intelligence, an AI account summary | | Basic: an AI email template generator as a paid add-on | Advanced: Insights, Copilot drafts and an autonomous Agent; AI agent support is listed from Business Plus; fully automated agent runs and AP portal features are billed separately by token use | | Rated (Xero App Store) | 5.0 from 84 | 4.89 from 91 | 4.98 from 374 | 4.94 from 35 | 5.0 from 18 | Check current pricing with the vendor. Each figure is printed in the currency the vendor publishes it in. ## The five tools in five checked facts - Three of the five print a monthly price: Paidnice from A$99, Chaser from £199 and Kolleno from US$650. CreditorWatch Collect and ezyCollect do not print a price. - Each published price grows with something different: invoice volume (Paidnice), revenue band (Chaser) and users (Kolleno). - Two of the five apply a late fee themselves: Paidnice (per customer group) and Chaser (one set of late-fee rules). - Four of the five connect to both Xero and QuickBooks Online. - AI that handles collections work or customer replies: Paidnice and Kolleno. Basic AI: ezyCollect (an email template generator, paid add-on) and CreditorWatch Collect (an account summary). We checked each tool's own pricing, integration and help pages on October 26, 2026. "None found" in the data means the vendor's pages do not show the feature. ### Which of the five fits you: pick by ledger, revenue band and late fee Set the three answers below and the five entries re-order into fits, partial fits and non-fits, with the reason from the entry itself. On load the picker is set for a Xero business whose terms carry a late fee clause. Entries 1 and 3 fit because they raise the fee; entries 2, 4 and 5 document no late fee function. 1. Fits[1. Paidnice](#paidnice)Raises the late fee per customer group on the ledger, from A$99 a month. 2. Fits[Entry 3, the UK platform with credit checks](#chaser)Raises the late fee as one set of rules; entry tier £199 a month, under £4m turnover. 3. Not a fit[Entry 2, the Australian incumbent with human callers](#creditorwatch-collect)No late fee or interest function documented. 4. Not a fit[Entry 4, the Australian multi-ERP mid-market app](#ezycollect)No late fee or interest automation documented. 5. Not a fit[Entry 5, the order-to-cash platform](#kolleno)No late fee or interest feature documented. Fit is read from each vendor's published ledger list, fit band and late fee documentation. ## 1. Paidnice, best for contractual late fees Best for an Australian business on Xero or QuickBooks Online, any size up to $50m a year, that wants the late fee in its terms raised per customer group ![Paidnice homepage showing an invoice with a due date reminder, statement, late fee and payment applied by Paidnice](https://accounting.events/assets/vendors/paidnice-home.webp) _Paidnice homepage_ ### What is Paidnice best for? For an Australian business on Xero that wants contractual late fees, statement interest, reminders and statements run per customer group without a person doing the arithmetic. **Fits:** Businesses on Xero or QuickBooks Online of any size up to $50m a year, or 50,000 invoices a year **Regions:** Australia, New Zealand, United Kingdom, United States, Canada, South Africa **Entry cost:** A$99/mo on Essentials, 150 invoices, 600 emails, up to 2 team members; Pro from A$139/mo with unlimited users, payment plans and sending from your own domain; no contracts or lock-ins. **Rated:** 5.0 from 84 reviews, 100% five-star · [Xero App Store listing](https://apps.xero.com/au/app/paidnice); 4.9 from 14 on [Capterra](https://www.capterra.com/p/254868/Paidnice/); 4.7 from 29 on [Trustpilot](https://www.trustpilot.com/review/paidnice.com) **Awards:** Xero Global and Australian Small Business App of the Year 2025 and NZ Small Business App of the Year 2026 **Runs on:** Xero, QuickBooks Online and newer ledgers such as Rillet and Campfire (closed testing) on every plan; Sage Accounting and other ERPs on Custom, Stripe, Pinch Payments, HubSpot, Pipedrive, Zapier; newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo on every plan through closed testing; NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on the Custom plan **Contractual late fees:** Yes. Invoice late fee per overdue invoice and statement interest per customer, flat or percentage, raised on the ledger as Draft or Approved **Does best:** Runs a different late fee policy for each customer group at the same time, and nets the charge against any credit on the account **Paidnice** is the enforcement layer on top of Xero: reminder sequences per customer group by email and SMS, statements on the schedule you set including consolidated parent accounts, payment plans, prompt payment discounts, escalations, and a customer payment portal. Payment plans and sending from your own domain start on Pro. Paidnice says its AI reads customer replies and drafts the answer, and a person approves each drafted reply before it sends. The late fee machinery earns the top place on an Australian ledger. Two charge types can run on the same customer group: an invoice late fee per overdue invoice, and a statement interest charge against the whole overdue balance. Each policy sets its own rate, debt age limits, tax treatment and income account, and the charge is raised in Xero as Draft or Approved. Xero users have asked Xero itself for this since 29 March 2012. The request to add interest to late invoices on the [Xero product ideas board](https://productideas.xero.com/forums/967115-invoices-quotes/suggestions/44960305-sales-invoices-add-interest-to-late-invoices-in) has 1,112 votes. Paidnice reports that customers have half as many late invoices in the first 30 days. **Limitations with Paidnice.** It connects to Xero and QuickBooks Online on every plan, and to newer ledgers such as Rillet, Campfire, Digits, DualEntry, Puzzle, Accounting Seed and Odoo through its closed testing program. Sage Accounting and other ERPs connect on the Custom plan. - MYOB, NetSuite, Sage Intacct and Dynamics 365 Business Central are a Custom-plan build, so an Australian MYOB business cannot buy the entry tier. - There is no human calling service. - Capterra reviewers describe initial setup as "still a bit clunky and not intuitive enough", and one asked for bulk late fee removal. **Best suited for:** An Australian business on Xero or QuickBooks Online, any size up to $50m a year, that wants the late fee in its terms raised per customer group. An MYOB business cannot buy the entry tier, and there is no human calling service, though your team can call in-app. ## 2. CreditorWatch Collect, best for human callers Best for Australian owners who want human callers chasing debtors alongside the software, price by quote ### What is CreditorWatch Collect best for? For an Australian or New Zealand business on Xero, MYOB or QuickBooks that wants reminder workflows plus a call queue, or the vendor's AR specialists doing the chasing through the paid Call Assist add-on. **Fits:** Not published. The trial covers up to 50 debtors; larger ledgers move to a sales-assisted Custom plan **Regions:** Australia, New Zealand; also listed on the US Xero App Store under its former Debtor Daddy slug **Entry cost:** Not published. The vendor's pricing page shows a free trial and a Custom plan only. Last published listing price was from A$175 a month on Capterra; current prices are hidden and must be requested. Call Assist human calling is a paid add-on from A$195 a month. **Rated:** 4.89 from 91 reviews, listed since December 2012 · [Xero App Store listing](https://apps.xero.com/au/app/creditorwatch-collect); 4.5 from 13 on [Capterra](https://www.capterra.com/p/144647/Debtor-Daddy/) **Awards:** None found **Runs on:** Xero with a 24-hour sync and manual trigger, MYOB, QuickBooks; Zapier for everything else **Contractual late fees:** None found. Nothing on the features page, help centre, FAQ or review-site feature lists **Does best:** The human layer: a DIY Call Console on the higher tier and the paid Call Assist add-on, whose AR specialists phone your debtors on your rules and log every outcome; call notes push back to Xero **CreditorWatch Collect** is the former Debtor Daddy, founded in Christchurch in 2012, acquired by the credit bureau CreditorWatch in October 2022 and rebranded in March 2023. ![CreditorWatch homepage headline, protect your business from bad debt, beside a map of Australia](https://accounting.events/assets/vendors/creditorwatch-collect-home.webp) It runs email, SMS and call workflows per contact, with a manual-approval mode that previews the next reminder, statement reminders, and Pay Now links where customers pay by card, PayTo or bank transfer through Stripe or Worldpay, or authorise an AutoPay direct debit. The part no other app on this page offers is people. Call Assist, a paid add-on, puts trained local AR specialists on the phone on rules you set, at A$195 a month for 20 calls, A$495 for 150 or A$795 for 400, with every outcome logged. One-click escalation sends an undisputed debt over $500 to a collection or legal partner on commission. Its review base is the second largest here, and many reviews date from the Debtor Daddy years. **Limitations with CreditorWatch Collect.** It cannot raise a late fee or interest charge, so a late payment clause in your terms stays unenforced unless someone raises the invoice manually. - No public software price exists. Capterra's last published listing price was from A$175 a month; the vendor now hides its prices and shows only a trial and a Custom plan, so current prices must be requested. - The Xero sync runs every 24 hours, and reviewers describe the interface as clunky to navigate. Review velocity has been near zero since 2022. **Best suited for:** An Australian or New Zealand owner on Xero, MYOB or QuickBooks who wants a call queue or paid human callers alongside reminder workflows. It cannot raise a late fee or interest charge, and the Xero sync runs every 24 hours. ## 3. Chaser, best for Creditsafe checks Best for a team that wants Creditsafe credit checks and collections in the same tool, under £4m turnover on the entry tier ### What is Chaser best for? For a larger business that wants email, SMS and credit checks in one established platform, with one set of late-fee rules across the account and a managed chasing service available on top. **Fits:** Compact under £4m turnover, Core under £10m, Complete to £100m **Regions:** Global, UK-based; automated calls unavailable in New Zealand **Entry cost:** £199/mo on Compact, 4 users, 4 schedules, 100 SMS and 100 call credits; Core £599/mo; Chaser Care managed chasing from £899/mo bundled with Compact. **Rated:** 4.98 from 374 reviews, listed since May 2015 · [Xero App Store listing](https://apps.xero.com/au/app/chaser); 4.3 from 71 on G2; 4.9 from 45 on [Capterra](https://www.capterra.com/p/157101/CHASER/) **Awards:** Finalist, UK Small Business App Partner of the Year, Xero Awards 2023 **Runs on:** Xero, QuickBooks, Sage 50, 200, Intacct and Business Cloud, NetSuite, Dynamics 365, AccountsIQ, SAP, HubSpot; 25+ systems **Contractual late fees:** Yes. Fixed, percentage, daily percentage or base-rate types, recalculated daily, as one set of late-fee rules, across the account or for selected debtors, not tied to schedules **Does best:** Multi-channel chasing with in-app Creditsafe credit reports and a Debitura collections hand-off in the same subscription **Customers:** Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered. **Chaser** is the established, larger-business tool in this list, founded in the UK in 2014 and holding the deepest Xero App Store review base of any app here. Reminders go by email from your own Gmail or Outlook inbox, by SMS, by letter and by automated call. A per-customer portal takes payment through Chaser Pay and lets customers raise disputes. ![Chaser pricing page with the country set to United Kingdom, showing Compact from £179, Core from £539 and Complete from £809 a month on yearly billing](https://accounting.events/assets/vendors/chaser-pricing-gbp.webp) Credit checks are in-app, carried out by Creditsafe, with a score, recommended credit limit and continuous monitoring. Monitoring covers the UK, USA and Canada but not Australia, and credit checks are not available to subscribers who bought through the Xero App Store. Debt collection is integrated through Debitura on a success-fee basis. For an Australian team the price is the point to weigh: Chaser publishes it in pounds, tiered by company turnover, and the entry tier serves businesses under £4m. **Limitations with Chaser.** The late fee is one set of rules, across the account or for selected debtors, with no documented way to run different rules per group, and no fee is applied on payment-plan invoices. Chaser's help says a late fee cannot be added or updated after a part payment when written to Xero. - Chasing on a payment plan follows the original invoice due date rather than the instalment dates, and Chaser's own documentation advises chasing those manually. - Statements run monthly on a fixed day, and SMS, letters and calls beyond the credit allowance cost extra. **Best suited for:** A larger business that wants email, SMS and Creditsafe credit checks in one established platform. The late fee is one set of rules, and the price is published in pounds and tiered by turnover. ## 4. ezyCollect, best for MYOB, NetSuite or Pronto Best for Australian mid-market teams on MYOB, NetSuite or Pronto as well as Xero, 200 debtors and up ### What is ezyCollect best for? For a mid-market Australian finance team that wants credit insights, demand letters and a collection referral inside one order-to-cash platform, and can sign an annual contract. **Fits:** Not published as revenue. ezyStart covers 200 debtors, 3 users and 1 workflow; ezyGrow 500 debtors; ezyScale 1,500 **Regions:** Australia, New Zealand; US via a collection partner **Entry cost:** ezyCollect's last published prices were A$275 a month for ezyStart, with a setup fee from A$900, on an annual contract (monthly billing adds 20%), and A$950 a month for ezyGrow. Current prices are hidden and must be requested. Last published on ezyCollect's pricing page, seen on the Wayback Machine. **Rated:** 4.94 from 35 reviews · [Xero App Store listing](https://apps.xero.com/au/app/ezycollect); 4.7 from 25 on G2; 4.9 from 12 on [Capterra](https://www.capterra.com/p/135729/ezyCollect/) **Awards:** None found **Runs on:** Xero, MYOB AccountRight, Exo, Essentials and Acumatica, NetSuite, Dynamics, Sage 300 and Intacct, SAP Business One, Pronto Xi, Attaché, CSV; QuickBooks logo on homepage, no connector page **Contractual late fees:** None found. Absent from the help centre and the 2026 relaunch material; card surcharging is the only added charge **Does best:** Australian ERP breadth, with credit insights drawn from Experian data and in-app demand letters at A$49 each **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** was founded in Sydney around 2014 and acquired by Sidetrade in October 2025. Reminders run as customer-level workflows with a pre-reminder and a set of follow-up steps (six in the help centre's example), consolidating overdue invoices per customer. ![ezyCollect by Sidetrade homepage headline, businesses with ezyCollect get paid faster, with book a demo and free trial buttons](https://accounting.events/assets/vendors/ezycollect-home.webp) The platform covers the full order-to-cash path: monthly statements, payment plans, a SimplyPaid portal with card, direct debit and B2B buy-now-pay-later, demand letters, and a Send to Debt Collector referral to partners such as ARMA on commission from 25% of the recovered amount. **Limitations with ezyCollect.** No late fee or interest automation exists anywhere in the help documentation, so the leverage in your terms is left to a manual invoice. - The entry tier costs A$275 a month with setup from A$900 on an annual contract (last published on ezyCollect's pricing page; current prices are hidden and must be requested), with a 20% premium for monthly billing, and the payment gateway adds A$90 a month plus transaction fees. - A customer who falls outside the workflow window receives no automated follow-up, and SMS, mail and fax are charged on top. **Best suited for:** A mid-market Australian team on MYOB, NetSuite or Pronto as well as Xero that wants credit insights and demand letters in one platform. It has no late fee or interest automation, and the entry tier needs an annual contract and setup from A$900. ## 5. Kolleno, best for NetSuite or SAP order-to-cash Best for order-to-cash teams on NetSuite or SAP that also hold a Xero entity ### What is Kolleno best for? For a finance team whose hard problem is cash application and reconciliation across bank files and remittances, with Xero as one ledger among several. **Fits:** BusinessPay under £1m turnover; Business Plus £1m to £100m; Enterprise £100m to £1bn **Regions:** Global, London-based **Entry cost:** $650 per user a month on BusinessPay, $545 on annual billing; Business Plus $1,245 per user. Default contract term 24 months, renewing for 12, with 90 days' notice and non-refundable fees. **Rated:** 5.0 from 18 reviews, listed since April 2022 · [Xero App Store listing](https://apps.xero.com/uk/app/kolleno); 4.9 from 117 on G2 **Awards:** None found **Runs on:** Xero, QuickBooks Online and newer ledgers such as Rillet and Campfire (closed testing) on every plan; Sage Accounting and other ERPs on Custom and Sage Intacct on the two lower tiers; NetSuite, Business Central, SAP and Oracle Fusion on Enterprise tiers **Contractual late fees:** None found on the pricing page, feature copy or help centre **Does best:** Cash application on Enterprise only, by quote (BusinessPay at $650 per user a month does not include it): remittance parsing, bank file matching and multi-currency journal entries, with AI agents running collections and reconciliation **Customers:** Named on its website: Simpro, Wise and Laundryheap. Laundryheap's case study reports 94% of payments collected on time. **Kolleno** is an AI order-to-cash platform founded in London in 2020. Reminders run as trigger-based workflows by email, SMS and call with conditional branches and auto-escalation, and a branded portal takes saved payment methods, recurring payments, credit notes and disputes. ![Kolleno pricing page on annual billing, showing Business Pay at $545 and Business Plus at $995 per user a month, with the monthly prices of $650 and $1,245 struck through, beside two custom Enterprise tiers](https://accounting.events/assets/vendors/kolleno-pricing.webp) Its depth is on the reconciliation side: email remittance parsing, bank file matching across BAI2, NACHA and ISO 20022, partial matches and FX differences. Kolleno lists AI agent support from Business Plus; fully automated agent runs and AP portal features are billed separately by token use. The Xero connector sits on the two lower tiers alongside QuickBooks and Sage Intacct, while auto-reconciliation starts on Enterprise, not on those tiers. **Limitations with Kolleno.** Per-user pricing from $650 a month puts a three-person credit control function at roughly $1,950 a month before anything is chased. - No late fee or interest feature is documented, so the leverage in your terms stays manual. - The Xero App Store review base is the smallest here at 18, and the product has repositioned upmarket from SME credit control to enterprise order-to-cash. **Best suited for:** A finance team whose hard problem is cash application across bank files and remittances, with Xero as one ledger among several. Per-user pricing from $650 a month puts a three-person team at roughly $1,950 a month, and no late fee feature is documented. ## How do the five apps connect to Xero? All five apps connect to Xero, but they connect differently. Paidnice and Chaser write a late fee back to the ledger as an invoice; CreditorWatch Collect syncs once every 24 hours; ezyCollect and Kolleno treat Xero as one ledger among many ERPs. The integration question that matters for debtor management is direction. Every app reads invoices, contacts and payments out of Xero. Fewer write anything back. Paidnice raises late fee and interest invoices in Xero as Draft or Approved and syncs escalation notes and call outcomes to the invoice. Chaser syncs late fee line items to Xero and marks invoices paid through Chaser Pay. CreditorWatch Collect pushes call notes to Xero, but the sync runs on a 24-hour cycle with a manual trigger. ezyCollect writes cash application back to the ERP and syncs communication history hourly. Kolleno's connector covers Xero on its lower tiers, with deeper ERP work on enterprise plans. Xero's own [debtor tracking category](https://apps.xero.com/au/function/debtor-tracking) and its [accounts receivable collection](https://apps.xero.com/au/collection/accounts-receivable-software) list every certified connector for Australia, and the review counts there are the evidence this page reads. ## What do Australian Xero users say about Paidnice? Paidnice holds 5.0 from 84 reviews on the Australian Xero App Store, every one five-star, with 4.9 from 14 on Capterra and 4.7 from 29 on [Trustpilot](https://www.trustpilot.com/review/paidnice.com). The single recurring criticism is setup friction. The [Australian listing](https://apps.xero.com/au/app/paidnice) returns the same 84-review figure as the NZ, UK and US listings, which points to one global review pool. The most recent visible reviews credit early-payment discounts and late-payment charges with improved cash flow, call the integration seamless, and say statement automation and late interest calculations saved staff hours. On [Capterra](https://www.capterra.com/p/254868/Paidnice/) a finance manager wrote in April 2026 that average debtor days "have been reduced drastically". The negatives are specific: one reviewer found the interface "still a bit clunky and not intuitive enough" at setup, and another wanted a bulk late fee removal tool. No pricing, support or reliability complaint appeared in any review read. G2 shows 4.8 from 13 reviews. Xero named Paidnice its Global and Australian Small Business App of the Year 2025 and NZ Small Business App of the Year 2026. Xero's own 2026 collection of top invoicing and jobs apps for Australia describes it as automating late fees and credit control. ## What do Australian Xero users say about ezyCollect? ezyCollect holds 4.94 from 35 reviews on the Australian Xero App Store, with 4.7 from 25 on G2 and 4.9 from 12 on [Capterra](https://www.capterra.com/p/135729/ezyCollect/). Reviewers praise time saved and support; the complaints centre on price and add-on charges. The [Australian listing](https://apps.xero.com/au/app/ezycollect) is smaller than the other incumbents here, 35 reviews against CreditorWatch Collect's 91 and Chaser's 374, and most review volume predates 2024. The praise is consistent: hundreds of hours saved each year, first-class support, and clear customer communication through the portal. The criticism is about money. A three-star Xero App Store reviewer said the price quoted in the sales process was nearly three times the advertised figure. Capterra reviewers asked for a base allowance of SMS and fax, and one in March 2026 noted that some customers do not like the payment process. The July 2026 relaunch under Sidetrade is too recent for the reviews to reflect it. ## How much do debtor management apps for Xero cost in Australia in 2026? Two of the five publish a current entry price: Paidnice at A$99 a month and Chaser at £199 a month. ezyCollect's last published prices were A$275 a month for ezyStart, with a setup fee from A$900 (current prices hidden, must be requested). Kolleno $650 per user. CreditorWatch Collect last reported A$89 a month (now hidden, request a quote). Kolleno charges per seat. Chaser steps by company turnover, so growth moves you up a tier whether or not the ledger got harder. ezyCollect steps by debtor count on an annual contract with a setup fee. Paidnice steps by invoice volume on a flat tier with no per-seat fee, from A$99 for 150 invoices to A$139 on Pro with unlimited users. Whatever the subscription, the late fee row above changes the arithmetic. An app that raises the fee in your terms turns a cost line into a receivable. An app that only reminds leaves the fee as words on the invoice. ## Which debtor management app for Xero fits your use case? Start with your ledger and whether your terms carry a late fee clause. Each row names the app on this page whose published features fit that job. | Use case | Start with | Why | | --- | --- | --- | | Xero business with a late fee clause in its terms | Paidnice | Raises the invoice fee and statement interest per customer group, from A$99 a month | | Reminders and statements only, no late fee | Paidnice or CreditorWatch Collect | Both run reminder workflows and statement reminders on Xero | | Owner who wants people making the calls | CreditorWatch Collect | Call Assist from A$195 a month for 20 calls. Consider Paidnice for the chasing around it. | | Business on MYOB, NetSuite or Pronto as well as Xero | ezyCollect | The widest set of Australian ERP connectors on this page. Consider Paidnice for the chasing around it. | | Credit checks and a managed chasing service | Chaser | Creditsafe reports in the app, and Chaser Care from £899 a month bundled with Compact | | Cash application across bank files and remittances | Kolleno | Remittance parsing and bank file matching across BAI2, NACHA and ISO 20022, on Enterprise only. Consider Paidnice for the chasing around it. | ## Common questions The questions Australian buyers ask while shortlisting: whether a late fee can be charged at all, which apps raise one, what the escalation path looks like, and how the ratings should be read. ### Can an Australian business charge a late fee on an overdue invoice? Only where the customer agreed to it. The right comes from the contract terms rather than from a general statutory rate, so the clause has to be in the terms the customer accepted. Paidnice and Chaser raise the fee on the Xero ledger; the other three apps here do not document a late fee function. ### Which debtor management app for Xero is best in Australia? Paidnice is the best fit for a business of any size up to $50m a year on Xero that wants late fees, statements and reminders run per customer group, from A$99 a month. CreditorWatch Collect fits where you want human callers, Chaser where you want bureau credit checks in the same tool, ezyCollect where the business runs several ERPs, and Kolleno where cash application is the bottleneck. ### What should happen before an overdue invoice goes to a collection agency? The ASBFEO ladder is friendly reminders, informal negotiation, a letter of demand, then a collection service that follows the ACCC and ASIC debt collection guideline on contact hours and conduct. Simple contract debts carry a six-year limitation period in NSW, Victoria and Queensland. ### Are the Xero App Store ratings Australia-only? No. Paidnice and CreditorWatch Collect return the same rating and count on their AU, NZ, UK and US store URLs, which points to one global review pool. Read the count as global evidence, and weigh a 4.98 from 374 differently from a 5.0 from 18. ### Why does this page cover debtor management apps only, not every Xero add-on? General “best Xero add-ons” lists mix payroll, inventory, expenses and reporting tools, and a debtor app gets one line among twenty. This page is scoped to the apps that chase, charge and collect on overdue Xero invoices, so the five can be compared on the questions that decide that purchase: late fees, escalation, statements and price. ### What do the five cost? Paidnice A$99; ezyCollect's last published prices were A$275 a month for ezyStart, with a setup fee from A$900 (current prices hidden, must be requested); Chaser £199 a month under £4m turnover; Kolleno $650 per user; CreditorWatch Collect last reported A$89 (now hidden, request a quote). ## Next in this guide Global guide ### Best accounts receivable software for Xero The global list this Australian page sits under. Versus ### Paidnice vs ezyCollect The two Australian entries on this page, side by side. Alternatives ### Best ezyCollect alternatives What else to shortlist if the annual contract is the sticking point. Buyer's guide ### Credit control software for Xero The five decisions that produce a shortlist, in the order they should be taken. ## Sources Sources checked by Julie Turnbridge on November 3, 2026: 1. [Xero Small Business Insights, Australia](https://www.xero.com/au/resources/small-business-insights/latest-australia/) (xero.com/au/resources/small-business-insights/latest-aust...) 2. [Xero cash flow media release](https://www.xero.com/au/media-releases/crunch-cash-flow-report-part-2-au/) (xero.com/au/media-releases/crunch-cash-flow-report-part-2-au) 3. [Australian Small Business and Family Enterprise Ombudsman](https://www.asbfeo.gov.au/resources-tools-centre/handling-debts) (asbfeo.gov.au/resources-tools-centre/handling-debts) 4. [Xero App Store listing](https://apps.xero.com/au/app/paidnice) (apps.xero.com/au/app/paidnice) 5. [Capterra](https://www.capterra.com/p/254868/Paidnice/) (capterra.com/p/254868/Paidnice) 6. [Trustpilot](https://www.trustpilot.com/review/paidnice.com) (trustpilot.com/review/paidnice.com) 7. [Xero product ideas board](https://productideas.xero.com/forums/967115-invoices-quotes/suggestions/44960305-sales-invoices-add-interest-to-late-invoices-in) (productideas.xero.com/forums/967115-invoices-quotes/sugge...) 8. [Xero App Store listing](https://apps.xero.com/au/app/creditorwatch-collect) (apps.xero.com/au/app/creditorwatch-collect) 9. [Capterra](https://www.capterra.com/p/144647/Debtor-Daddy/) (capterra.com/p/144647/Debtor-Daddy) 10. [Xero App Store listing](https://apps.xero.com/au/app/chaser) (apps.xero.com/au/app/chaser) 11. [Capterra](https://www.capterra.com/p/157101/CHASER/) (capterra.com/p/157101/CHASER) 12. [Wayback Machine](https://web.archive.org/web/20240617113004/https://ezycollect.io/pricing-xero-ar-automation/) (web.archive.org/web/20240617113004/https://ezycollect.io/...) 13. [Xero App Store listing](https://apps.xero.com/au/app/ezycollect) (apps.xero.com/au/app/ezycollect) 14. [Capterra](https://www.capterra.com/p/135729/ezyCollect/) (capterra.com/p/135729/ezyCollect) 15. [Xero App Store listing](https://apps.xero.com/uk/app/kolleno) (apps.xero.com/uk/app/kolleno) 16. [debtor tracking category](https://apps.xero.com/au/function/debtor-tracking) (apps.xero.com/au/function/debtor-tracking) 17. [accounts receivable collection](https://apps.xero.com/au/collection/accounts-receivable-software) (apps.xero.com/au/collection/accounts-receivable-software)