The five best invoice chasing software tools for Xero in 2026 are Paidnice, Chaser, Kolleno, Upflow and Satago, ranked on native Xero fit and on whether the tool raises the late fee itself once the reminders run out. Prices from £45 a month.
Paidnice suits a Xero organisation that wants statutory interest applied per customer group. Chaser suits a team that wants SMS, posted letters and Creditsafe credit checks running from the same system as the reminders. Kolleno chases across email, SMS and calls for order-to-cash teams. Upflow measures collections before it automates them. Satago pairs UK chasing with credit reports and invoice finance.
Where Xero's own invoice reminders stop
Xero will chase an invoice five times. After the fifth reminder the schedule has nothing left to send, and the debt carries on regardless, which is the whole reason this category exists.
Three limits are worth stating precisely, because every tool on this page is sold against one of them. The reminder count is capped at five per invoice. The schedule is held once at organisation level, so a slow-paying wholesale account and a dependable retainer client receive the same messages on the same days in the same tone. And nothing in the sequence raises a charge, so an invoice that ignores all five reminders costs the customer exactly what it cost on day one.
None of that is a defect. Xero's reminders are free, they are already switched on in your account or two clicks from it, and for a ledger of dependable customers they are enough. The question this page answers is what happens on the ledger where they are not.
Why Xero raises no interest, and how long that has been true
The gap is well known and it is old. The request "Sales Invoices - Add interest to late invoices (including paid/part-paid Invoices)" was posted to the Xero ideas board on 29 March 2012. It carries 1,102 votes and the status Accepted, and Xero's most recent response, dated 7 July 2025, states there are no committed plans. We re-verified the thread on 20 August 2026 and nothing had changed.
Fourteen years of an accepted request with no committed plan is a strong signal about what Xero considers its job. Treat interest and late fees as something you buy separately rather than something to wait for, and read that decision alongside the UK credit control comparison, which works through what the statutory charge is worth and which tools compute it.
What we could check on the Xero App Store, and what we could not
All five apps here hold a Xero App Store listing, which makes this the one comparison on the site where the review numbers are genuinely comparable. They come from one platform, under one review policy, from people who had to connect the app to a real Xero organisation before they could write anything.
What a listing proves is worth being precise about. It proves a live, reviewed connection to Xero exists, and it proves the review base was collected under the same rules for every app on the page. It does not prove what the app writes back to your ledger, whether it raises a charge, or whether the price you see anywhere else applies to the Xero edition of the product. Those had to be read out of vendor documentation instead, and where the documentation was silent the entries say so.
- Native Xero connection. Does the app read invoices and payment status from the Xero organisation directly, so chasing stops the day an invoice is settled?
- Channels past email. SMS at minimum, ideally posted letters or calls, and sent from an address the customer recognises rather than a shared one.
- Does it raise a charge in Xero? Not a number in an email. A document on the ledger, ideally reviewable as a Draft first.
- Xero App Store rating, with the review count. Printed with the count attached, because 5.0 from one review and 5.0 from eighteen are different facts.
- Published price on the Xero connection specifically. Two vendors here publish cheaper tiers that a Xero business cannot buy.
The rule for ratings on this page: within a tenth of a point, the larger App Store base takes the higher place, which is how Chaser's 4.98 from 374 sits above Paidnice's 5.0 from 82. G2 and Capterra scores are printed inside the entries because they are useful, and they order nothing here, because mixing three review platforms with three different policies produces a ranking of platforms rather than of apps.
Xero invoice chasing software compared: the table
Paidnice and Chaser are the two tools here that apply UK statutory interest themselves. Kolleno and Upflow are mid-market platforms priced above the Xero SMB band, and Satago is the UK option that brings credit data with the chasing.
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| Revenue fit | $500k and up, sweet spot $1m to $20m | £4m and under on the entry tier, tiers to £200m | $1m turnover and above | ARR bands, under $10m to $50m and above | Not published |
| From (monthly) | £49 | £199 | $650 per user | Not published | £45 standalone |
| Chasing channels | Email and SMS from your own authenticated domain | Email from your own mailbox, SMS, posted letters, automated calls | Email, SMS and calls; letters and calls are not workflow actions | Email, SMS, letter, call and task actions | Email; SMS from the £80 tier |
| Late fee grain | Yes (per customer group) | Yes (one global rule) | None found | No (via your ledger only) | Not verified |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | Yes (in the portal) | Not verified | Yes |
| Payment plans | Yes | Yes (chased on the invoice due date) | Yes | No | Not verified |
| Portal | Yes | Yes | Yes | Yes | Not verified |
| Rated (source, count) | 5.0 (82, Xero App Store) | 4.98 (374, Xero App Store) | 5.0 (18, Xero App Store) | 4.8 (233, G2) | Not verified |
| Last verified | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 |
"Not verified" means the capability could not be confirmed from the vendor's public materials. "Not published" means the vendor does not print a price. "None found" means no evidence either way. Prices are the vendor's published or last-verified from-price on the date shown.
1. Paidnice
Best for a Xero organisation that wants statutory interest applied per customer group, $1m to $20m
What is it best for?
For a business on Xero that wants reminders, statements and statutory interest running per customer group, with the charge posted straight back to the ledger.
- Fits
- Businesses on Xero and QuickBooks Online from about $500k turnover, with the sweet spot between $1m and $20m, with or without a credit controller
- Regions
- United Kingdom, Australia, New Zealand, United States, Canada, South Africa
- Entry cost
- £49/mo on Essentials, covering 150 invoices, 600 emails and up to 2 team members; Pro from £74/mo with unlimited users and no per-seat fee. As at August 2026, verify current pricing
- Rated
- 5.0 from 82 Xero App Store reviews, verified 20 August 2026; 4.9 on Capterra, review count not published · Xero App Store listing
- Awards
- Winner, New Zealand Small Business App of the Year, Xero Global App Awards 2026; 2025 Xero Global Small Business App of the Year
- Runs on
- Xero, QuickBooks Online, Stripe, Pinch Payments, CloudDepot, HubSpot, Pipedrive, Zapier. NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on the Custom plan only
- Statutory late fees
- Yes. A Bank of England base rate toggle applies the base rate plus your own percentage, using the correct base rate for each period an invoice spans, 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 Xero ledger
Paidnice was built on Xero first, in 2022, to raise late fees rather than as a chasing suite that added them later. Connect the Xero organisation and it evaluates every invoice against your policies, then runs the sequence: escalating reminders and statements from your own authenticated domain by email and SMS, statements including consolidated parent and child accounts, payment plans, a customer payment portal, and escalation through manual task workflows.
Reminder sequences sit under customer groups, so a wholesale group, a retainer group and a disputed-accounts group each run their own ladder at the same time, which is the limit a Xero user hits first and the one Xero's single organisation-level schedule cannot be worked around.
On the write-back side, both charge types land in the Xero organisation as invoices rather than as text in an email, raised Draft or Approved so a controller can review one before the customer sees it, and calculated on the balance net of any credit sitting on the account. A statement recalculates its interest at the moment it sends rather than at the last policy run, so the figure a Xero customer opens on Monday morning is Monday's figure.
Limitations with Paidnice. Xero and QuickBooks Online are the only native connections, with the ERP ledgers reachable only as a Custom-plan build, so it is the wrong tool for a group running Xero alongside NetSuite. Some payment features differ between the two ledgers, the entry tier covers two team members, and sending from your own domain starts on Pro rather than on the £49 plan. The channel list stops at email and SMS, so a Xero business that wants a posted letter or a call in the ladder has to look elsewhere, and there is no credit checking. On the App Store rule, Chaser's 4.98 from 374 reviews takes the place above the 5.0 from 82 here.
2. Chaser
Best for Xero teams that want SMS, letters and credit checks in the same tool, up to £4m on the entry tier
What is it best for?
For a Xero finance team with a named credit controller that wants email, SMS, posted letters and Creditsafe credit checks 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. Automated calls are not available in New Zealand
- Entry cost
- £199/mo on Compact for turnover to £4m with 4 users; Core £599/mo to £10m; Complete £899/mo above that. As at August 2026, verify current pricing
- Rated
- 4.98 from 374 Xero App Store reviews; 4.5 from 68 on G2; 4.9 from 45 on Capterra · Xero App Store listing
- Awards
- Xero App Partner of the Year 2023
- Runs on
- Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, Sage Business Central, NetSuite, Dynamics 365, AccountsIQ, SAP, HubSpot, Gmail, Outlook
- Statutory late fees
- Yes. Four calculation types including a Bank of England base rate type, recalculated daily, but one global rule only, which cannot vary by schedule or customer group, and no fee is raised on payment-plan or partially paid invoices. Line-item sync of the fee is Xero-only
- Does best
- Creditsafe credit checking and monitoring in the same tool as email, SMS and letter chasing
Chaser has been in the Xero ecosystem since 2014 and holds the largest verified review base on this page. Reminders send from the team's own Gmail or Outlook mailbox, which keeps replies in the thread the customer already knows, with SMS, posted letters, one-way automated calls, a payer portal and integrated collections through a partner network. Channels are metered by credit, so a heavy chasing month costs more than a quiet one.
It also carries a Creditsafe report in the app, broken down on the credit control software comparison. On the Xero side the detail worth knowing is that the late fee syncs as a line item, and that line-item sync is Xero-only among the ledgers Chaser supports.
Limitations with Chaser. No fee is raised on a part-paid invoice, and part payment is routine in Xero: a customer who pays half a balance to buy time silently switches the fee off on exactly the invoice most likely to need one. The same applies to any invoice on a payment plan. The rule itself is global and cannot vary by schedule or customer group. Statements go monthly only, on a fixed day, Compact caps the team at four users, and the price steps by company turnover rather than by invoice volume.
3. Kolleno
Best for order-to-cash teams chasing across email, SMS and calls, $1m turnover and above
What is it best for?
For an order-to-cash team on Xero that wants trigger-based chasing workflows and remittance parsing in the same platform, not only reminders.
- Fits
- Order-to-cash teams above $1m turnover on the entry plan, with published tiers stepping at $10m, $100m and $1bn
- Regions
- London head office, founded 2020, selling internationally
- Entry cost
- $650 per user a month on BusinessPay, $545 on annual billing, minimum one user, for turnover above $1m; Business Plus $1,245 per user. As at August 2026, verify current pricing
- Rated
- 5.0 from 18 Xero App Store reviews; 4.9 from 99 on G2; 5.0 from 8 on Capterra · Xero App Store listing
- Awards
- G2 Best Software Awards 2024
- Runs on
- NetSuite, SAP S/4HANA and Business One, Sage Intacct, Dynamics 365, Workday, Oracle JD Edwards, Epicor, Infor, Odoo, Zuora, Xero, QuickBooks Online
- Statutory late fees
- None found. No feature page or help article documents a late fee or interest calculation
- Does best
- Trigger-based chasing workflows that branch on invoice creation, ledger payment, email bounce and file upload, with run-hour restrictions and automatic escalation
Kolleno chases across email, SMS and calls, with SMS and call allowances published on the enterprise tiers, and its workflows are the most conditional here: branches, run-hour restrictions and automatic escalation rather than a fixed ladder of dates. Its AI runs across every subscription tier as insights, a copilot that drafts messages for review, and an agent that works a collections policy on its own.
What it puts back into a Xero organisation is matched cash rather than a charge, and that reconciliation depth is treated at length on the credit control software comparison. For a Xero business the practical read is that Kolleno is bought to close the books faster, not to make being late expensive.
Limitations with Kolleno. It is priced for a company that has outgrown a Xero-only stack: $650 per user a month against a $1m turnover floor, nearly doubling on the second tier, in dollars. Nothing documents a late fee or an interest calculation, so the sequence ends in another message. Letters and calls sit outside the workflow engine, so the call in its channel list is a queued task rather than an automated step, and reviewers name navigation and reporting depth as the recurring weak points.
4. Upflow
Best for analytics-led Xero teams, ARR bands from under $10m to $50m and above
What is it best for?
For a finance team on Xero that manages collections by metric and wants countback DSO and collection effectiveness measured before it automates anything.
- Fits
- B2B finance teams that manage by metric, quoted in ARR bands: under $10m, $10m to $50m, and $50m and above
- Regions
- New York head office, Paris origin, customers in 30-plus countries
- Entry cost
- Not published. Upflow prints no figures and quotes by ARR band; the free Discover tier is analytics only and has to be arranged through sales. Third-party captures from 2024 put Grow at $440 a month and Scale at $880. As at August 2026, verify current pricing
- Rated
- 4.8 from 233 G2 reviews; 4.5 from 15 on Capterra; 5.0 from a single Xero App Store review · Xero App Store listing
- Awards
- Not published
- Runs on
- Xero, QuickBooks Online, NetSuite, Sage Intacct, Stripe Billing, Chargebee, Zuora
- Statutory late fees
- No, via your ledger only. Upflow’s own documentation points the job back to the ledger and there is no native computation
- Does best
- Collections analytics, with countback DSO against best possible DSO, collection effectiveness and an at-risk rate above 90 days
Upflow chases through multi-step workflows with email, SMS, letter, call and task actions, timed against invoice age, customer behaviour and risk profile, with a branded portal, saved payment methods, dispute tracking and customer-set promises to pay.
The reason to pick it is the measurement rather than the chase, and the Xero buying guide works through which of its measures are worth managing to. The free Discover tier will read a Xero organisation and produce them while chasing nobody, which makes it a way to take a baseline before you commit to any tool on this page.
Limitations with Upflow. Its Xero App Store base is one review, which is why it places on its G2 record rather than on the platform this page otherwise uses. Nothing is written back as a charge: fees are pointed at the ledger, and there are no instalment plans, only customer-initiated part payments. Calls and tasks are manual by design, automatic actions run once a day on business days only, sending through your own SMTP costs open and click tracking, and no price is published at any tier.
5. Satago
Best for UK Xero businesses that want credit reports alongside their chasing, no revenue band published
What is it best for?
For a UK business on Xero that wants customer credit scores and suggested limits, and invoice finance, from the same provider that runs its chasing.
- Fits
- UK businesses in the Xero and Sage ecosystem. No revenue band published
- Regions
- United Kingdom only
- Entry cost
- £45/mo Basic standalone, £80 Premium, £200 Platinum. The cheaper £25 Standard and £45 Plus tiers are the Sage 50 embedded edition, which a Xero business cannot buy. As at August 2026, verify current pricing
- Rated
- Not verified. No review score could be confirmed from a primary source at the August 2026 check
- Awards
- Not published
- Runs on
- Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent
- Statutory late fees
- Not verified. No late-fee or interest mechanic is documented in the material checked, and feature verification is an open gap on this vendor
- Does best
- Credit reports, customer credit scores and suggested credit limits bundled into the same subscription as the chasing, with invoice finance from the same provider
For a Xero business the only product in play is the standalone plan at £45 a month, covering reminders, statements, customer grouping and scheduling with credit reports metered by tier. The cheaper tiers that appear in price comparisons belong to the Sage 50 embedded edition and cannot be bought against a Xero connection at all.
The credit layer is the reason to buy it. Scores and suggested limits arrive before you extend terms, which moves the decision from chasing bad debt to not taking it on.
Limitations with Satago. A hundred email reminders a month on Basic is a low ceiling for a Xero organisation of any size, and those reminders go out from a Satago address, so your own inbox and 100 SMS a month mean the £80 Premium tier. Neither the late-fee handling nor the review record could be verified, which leaves two criteria unscored. The footprint is UK-only, and the cheapest published tiers belong to the Sage 50 edition rather than to anything a Xero business can subscribe to.
Reminder six, and what sends it
Xero's schedule ends at five. Everything below is what each of these five apps does after that point, on which channel, and whether it needs a person.
Five steps is where Xero itself stops. On a dedicated tool the same ladder runs per customer group, changes channel partway, and carries a charge at step four.
| After Xero's fifth reminder | Channels that keep running | Sends without a person | What ends the sequence |
|---|---|---|---|
| Paidnice | Email and SMS from your own authenticated domain, plus statements on any schedule | Yes, and the ladder differs by customer group | A late fee or statement interest charge raised on the Xero ledger, then manual task workflows |
| Chaser | Email from your own mailbox, SMS, posted letters, one-way automated calls | Yes, with channels metered by credit | A global late-fee rule, then handover to an integrated collections partner |
| Kolleno | Email, SMS and calls, on branching workflows with run-hour restrictions | Yes, with automatic escalation built into the branch | Escalation inside the workflow. No late fee or interest is documented |
| Upflow | Email, SMS and letter automatically; call and task actions manually | Partly. Automatic actions fire once a day, business days only | A task for a human. Fees are pointed back to the ledger |
| Satago | Email, with SMS from the £80 Premium tier | Yes, capped at 100 email reminders a month on Basic | Nothing documented. The commercial exit is invoice finance |
Two things fall out of that table. Only two of the five end the sequence in a charge rather than in another message, and only one ends it in a charge that can differ between two customer groups. And on Upflow the sixth reminder is genuinely a person's job at the point the channel becomes a call, which is a design choice rather than an omission.
Chasing on channels Xero does not have: SMS, letter, call
Xero sends email. Every other channel on this page is something you are buying, and they are not interchangeable, because what makes a customer pay is usually the channel they were not expecting.
SMS is the cheap escalation and the one most businesses underuse. Paidnice sends it from the same policy that runs the email ladder, so the switch to SMS is a step in the sequence rather than a separate tool. Chaser meters it as credits on top of the plan. Kolleno publishes SMS allowances on its enterprise tiers. Upflow sends it automatically. Satago holds it back to the £80 Premium tier, which is worth knowing if the £45 entry price was the reason it was on your list.
Posted letters are Chaser's alone here. They cost more than everything else and they are the channel a customer's accounts payable clerk cannot mark as read and forget, which is exactly the point on a debt heading towards recovery.
Calls split the field in a way the marketing does not. Chaser sends one-way automated calls, and they are not available in New Zealand. Kolleno runs calls inside its workflows, though letters and calls are not workflow actions in the way email and SMS are, so the call is a queued task with a person on the end of it. Upflow the same: calls and tasks are manual by design. Nobody on this page dials a phone for you.
The sending address matters as much as the channel. Chaser sends from the team's own Gmail or Outlook mailbox, so a reply lands in the inbox somebody is already reading. Paidnice sends from your own authenticated domain, with custom-domain sending starting on Pro. Satago's Basic tier sends from a Satago address, and moving to your own inbox means the £80 tier.
What a Xero connection actually writes back
Every one of these five reads from Xero. Reading is the easy half. What separates them is what goes back into the organisation your accountant will open at year end, and it is the question buyers ask last and regret asking last.
An app that only reads cannot enforce anything, whatever the enforcement language on its homepage says. It can send a message describing a charge, and the charge will not exist anywhere your customer's payables team can see it, will not age on your ledger, and will not appear in any report either of you runs.
| App | Reads from Xero | Writes back to Xero | Raises a charge in Xero |
|---|---|---|---|
| Paidnice | Invoices, payments, contacts and account balances, including credits on the account | Late fee and statement interest charges, plus payments taken through the portal | Yes, as Draft or Approved, calculated net of any credit on the account |
| Chaser | Invoices and payment status | The late fee, synced as a line item, which is Xero-only among its ledgers | Yes, on one global rule, and not on part-paid or payment-plan invoices |
| Kolleno | Invoices, payments and remittance data for cash application | Matched cash and reconciliation output; nothing further is documented for Xero specifically | None found. No feature page or help article documents a late fee or interest calculation |
| Upflow | Invoices, payments and customer contacts | Nothing documented beyond the read. Chasing activity and promises to pay stay on the Upflow side | No. Its own documentation points fees back to the ledger |
| Satago | Invoices and payment status | Reminders, statements and grouping; write-back beyond that is not documented | Not verified. No late-fee or interest mechanic is documented in the material checked |
The Draft option in the first row is the detail worth taking into a demo. A charge that appears as a Draft is one a controller reviews before a customer ever sees it, which is the difference between an automated fee and an automated argument. Ask each vendor to show you the object it creates, in a real Xero organisation, before the trial ends.
What invoice chasing software for Xero costs in 2026
Published entry prices on the Xero connection as at August 2026: Satago £45 a month standalone, Paidnice £49, Chaser £199, Kolleno $650 per user. Upflow publishes no price at any tier.
Price the connection you can actually buy. Satago's cheaper £25 and £45 tiers belong to the edition embedded in Sage 50, and a Xero business cannot subscribe to them, so the real entry point here is £45 rather than the £25 that turns up in comparison tables elsewhere.
Then price the channels. Chaser meters SMS, posted letters and calls as credits on top of the plan, so a quarter with a difficult ledger costs more than a quiet one, and its tiers step by company turnover rather than by how many invoices you chase. Kolleno charges per user, so a second and third person on the credit control function multiply the bill before anything else changes. Paidnice charges by invoice volume on a flat tier with no per-seat fee above the entry plan, and custom-domain sending starts on Pro.
Upflow gives a Xero buyer nothing to plan against. It removed its published prices and quotes by ARR band, and the $440 and $880 figures still circulating are third-party captures from 2024 rather than anything the vendor prints today.
Questions Xero users ask
What comes up when the starting point is a Xero organisation with the built-in reminders already running.
How many times will Xero chase an invoice?
Five. The reminder schedule holds up to five reminders per invoice, it is set once for the whole organisation rather than per customer, and it sends from a Xero address. There is no sixth step and no charge at any step.
Why can't Xero add interest to a late invoice?
It has never built the feature. The request has sat on the Xero ideas board since 29 March 2012 with 1,102 votes and the status Accepted, and Xero's response of 7 July 2025 says there are no committed plans, which was still the position when we re-checked on 20 August 2026. Paidnice and Chaser both add the calculation and write the charge back to Xero.
What sends the sixth reminder?
Whichever of these five you connect. Paidnice and Chaser continue on email and SMS with a charge at the end of the ladder, Chaser adding posted letters and one-way automated calls; Kolleno branches into workflows with automatic escalation; Upflow sends email, SMS and letters automatically and leaves calls to a person; Satago continues on email, with SMS from its £80 tier.
Which of these actually write something back into my Xero organisation?
Paidnice raises late fee and statement interest charges as Draft or Approved and posts portal payments. Chaser syncs its late fee as a line item, which is Xero-only among the ledgers it supports. Kolleno writes matched cash from its reconciliation. Upflow and Satago document no charge written back at all.
Can I keep replies coming to my own inbox?
Yes on Chaser, which sends from the team's Gmail or Outlook mailbox, and on Paidnice, which sends from your own authenticated domain with custom-domain sending on Pro. Satago's Basic tier sends from a Satago address and your own inbox starts at the £80 Premium tier.
Do the Xero App Store ratings tell me anything useful?
More than usual, because all five apps hold a listing on the same platform under the same review policy, which is rarely true of a software comparison. Read the count as carefully as the score: Chaser's 4.98 comes from 374 reviews, Paidnice's 5.0 from 82, Kolleno's 5.0 from 18, and Upflow's Xero base is a single review against 233 on G2.
What does invoice chasing software for Xero cost?
Satago £45 a month standalone, Paidnice £49, Chaser £199 up to £4m turnover, Kolleno $650 per user a month above $1m turnover, and Upflow no published price. Figures as at August 2026 and worth confirming with the vendor, and check what the channels cost on top before you compare them.
How these five were checked
Accounting.Events publishes this page. Every app here was checked against its own Xero App Store listing and its own documentation in August 2026, with the review count and the listing named beside each score. No vendor pays for inclusion or for a position.
The Xero ideas board thread was opened and read rather than quoted from another article, and the date, the vote count, the status and the date of Xero's own reply are printed so anyone can check them against the live page.
Write-back behaviour was taken from vendor documentation rather than inferred from an App Store category. Where a vendor documents nothing on that point, as with Satago, the row says so rather than assuming the connection is symmetrical. Prices are the vendor's own figures for the Xero edition of the product, in the currency the vendor prints, unconverted.
Next for a Xero organisation
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The wider Xero receivables field, including tools that do more than chase.
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How-to
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What UK law lets you charge once the reminders have run out.