5 best ezyCollect alternatives in 2026

The five best ezyCollect alternatives for 2026 are Paidnice, CreditorWatch Collect, Chaser, Upflow and Invoiced, ranked on whether the tool applies late fees and interest itself and at what grain. Published entry prices from A$99 a month.

Paidnice suits an Australian business on Xero or QuickBooks Online that wants an interest charge posted to the customer's ledger, at whatever rate that customer's terms allow. CreditorWatch Collect suits a team that wants overdue accounts called by a person. Chaser suits a credit controller who wants Creditsafe checks and letters in the same tool. Upflow and Invoiced serve larger analytics-led and mid-market ERP operations.

Getting paid in Australia and New Zealand: 20.3 days and no statute

Australian small businesses wait 20.3 days for payment and settle 4.3 days past due, both better than a year earlier. The figure that matters more on this page is a legal one: there is no Australian or New Zealand equivalent of the United Kingdom’s Late Payment of Commercial Debts (Interest) Act, so no statutory rate exists for anybody to fall back on.

That absence changes what you are shopping for. A British business choosing credit control software is choosing whether the tool can apply a rate the law has already set. An Australian or New Zealand business is choosing whether the tool can apply the rates its own customers agreed to, and those are not all the same rate.

The sector spread makes the same point from the other end. Manufacturers wait more than three times as long as hospitality businesses in the same June 2026 data, because manufacturers trade on written terms with negotiated credit and hospitality mostly takes payment at the counter. Terms are the variable here, and terms are what the software has to be able to follow.

What lets you charge interest here, and where it comes from

In Australia and New Zealand the right to charge interest on an overdue trade invoice comes from your contract rather than from a statute. Whatever your terms of trade and your signed credit application say is what you may charge. Nothing else is doing that work for you.

Which puts the document ahead of the software, and the document is worth checking first, because most of the arguments a customer makes about a late fee turn out to be arguments about paperwork rather than about the amount. Four things a term has to do to be worth invoking:

• State the rate, and state what it is a rate of. A percentage per annum, applied to the overdue balance, accruing daily from the due date. A term that says interest may be charged without naming a number is a term you will end up negotiating.
• Live in the document the customer signed. A credit application or a signed terms of trade carries more weight than a line printed on the invoice, because the invoice arrives after the agreement rather than forming it.
• Cover recovery costs separately. There is no fixed statutory sum here as there is in Britain, so if you want the cost of chasing back, the term has to say so on its own account.
• Match what you actually do. A rate you have never charged anybody is harder to enforce on the one customer you finally decide to charge it to.

Now the software consequence, which is why this section sits above the comparison. A business that has been trading for a decade is trading on several generations of terms at once: customers signed in 2016 on one rate, customers signed since the last review on another, a handful on negotiated terms written into a supply agreement, and a group in dispute you would not charge at all.

A tool carrying one interest setting can serve exactly one of those groups correctly. That is why grain, rather than the mere presence of a fee feature, is what this page ranks on. It is the same conclusion the British guides reach through statutory interest, arrived at from the opposite direction: there, one rate is set for everybody and the software’s job is to apply it. Here you set the rates, and the software’s job is to keep them apart.

Five alternatives for an ANZ receivables team

Two of the five can apply an interest charge at all, and only one of them can run more than one rate at a time. CreditorWatch Collect is the closest Australian like-for-like on chasing and escalation, and it puts people on the phone. Upflow and Invoiced sit above the small business band and neither lists a MYOB connector.

"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.

Credit data in this market: illion, CreditorWatch and the PPSR

Credit Insights is built on illion data. CreditorWatch Collect belongs to CreditorWatch, which is a bureau in its own right. Neither Paidnice nor Chaser carries an Australian or New Zealand bureau, so leaving ezyCollect usually means deciding where the credit data goes.

Three options, and they are not equivalent.

• Keep a bureau subscription of your own. The screening stops being bundled with the chasing and becomes a line item you buy directly. That is dearer per report and cheaper overall if you were paying for a monthly allowance of scores you never used.
• Move to CreditorWatch Collect and keep it bundled. The parent is a bureau, though the adverse-data monitoring sits outside the Collect product rather than inside it, so check what the subscription actually includes rather than assuming the group’s full data set arrives with it.
• Move the control upstream, into the credit application. A signed application with trade references, a director guarantee where the exposure justifies one, and a stated limit does more work than a score checked once at onboarding and never looked at again.

Then there is the register, which comes up in every conversation about trade credit in this market and is routinely misread. Registering on the Personal Property Securities Register perfects a security interest in personal property. For a supplier of goods that usually means a purchase money security interest under retention of title terms: register it correctly and on time and you hold a priority claim over the goods you supplied if the customer fails.

What it does not do is help with an unsecured debt. A service, a fee, an interest charge, or an invoice for goods already consumed or on-sold is secured by nothing, and no registration makes it otherwise. Registration is also unforgiving about timing and about getting the debtor’s details exactly right, and it protects the goods rather than the margin.

Which is why the two controls belong together and neither substitutes for the other. The register limits what a failure costs you. The terms of trade, and whatever software applies them, change what being late costs the customer before the failure happens.

What ezyCollect does, and where an alternative fits

ezyCollect is Australian order-to-cash software: invoice delivery, customer-level reminder workflows, statements, payment plans, a payment portal, illion-backed credit screening and referral to a collections partner. It applies no late fee and no interest anywhere in the product.

Founded in Sydney in 2014, it was acquired by Sidetrade in October 2025 for around €37m with an earn-out running to 2028, and relaunched in July 2026 with an AI layer trained on the parent's payments data. It is rated 4.9 from 35 reviews on the Xero App Store, 4.7 from 25 on G2 and 4.9 from 12 on Capterra.

Three things send teams looking for an alternative, and they are all structural rather than cosmetic.

• No late fee or interest. The function is absent from the entire help centre and from the relaunch messaging. Card surcharging is the only charge the product raises.
• Cost that is not the headline. The entry tier is A$275 a month on an annual contract with an A$900 setup fee, monthly billing adds 20%, and mail, SMS, fax, demand letters at A$49 each and an A$90 a month payment gateway fee sit on top.
• Debtor-count pricing. The entry tier covers 200 debtors and three users. Growth in customer count, not in invoice value, is what moves you up a tier.

A reminder is a message. An interest charge against the balance is a consequence, and it is the one thing this product has never had.

Charging interest without a statutory rate to lean on

Two of these five raise a charge themselves. Paidnice runs a policy per customer group; Chaser runs one global rule with four calculation types. CreditorWatch Collect documents none, Upflow hands the job back to your ERP, and the Invoiced mechanism could not be verified. ezyCollect itself has no fee or interest function anywhere in the product.

With no statutory rate in this market, the rate is whatever your terms say, and the software's job is to apply it accurately and consistently. Two things it has to get right. The arithmetic, which is the balance multiplied by the annual rate and apportioned across the days it ran late. And the boundaries, which is the harder half: which customers each rate applies to.

Different customers signed different terms

The reason grain matters here is contractual rather than regulatory. A ledger that has been open for a decade carries customers on several different signed agreements, plus a group you would never charge and a group in dispute. One interest setting can only be correct for one of them. Chaser's rule is global and cannot vary by schedule or customer group, and it raises nothing on payment-plan or partially paid invoices. Paidnice's policies sit under customer groups, so several rules run at the same time, with two charge types available on one group: a fee per overdue invoice, and an interest charge against the whole overdue balance.

Wherever the rate comes from, it only becomes a consequence when it is posted into the ledger you invoice from. A charge that lives inside a chasing tool is a note about your customer in your own system. A charge raised as an invoice in the ledger you actually bill from, whether that is Xero, QuickBooks Online or MYOB, arrives in their payables and their payment run as a line their accounts clerk has to schedule. That is the difference between telling somebody they are late and making it cost something, and it is worth checking on a demo rather than taking on trust: ask to see the charge in the accounting record, not on the vendor's dashboard.

Instalments on an ANZ ledger, and who switches them on

Paidnice, Chaser and CreditorWatch Collect all schedule instalments against an open balance. Upflow takes customer-initiated part payments instead, and nothing could be verified for Invoiced. ezyCollect has plans too, and its support team has to turn them on for you.

Two questions separate them, and neither appears on a feature grid. Who can create a plan, and what chases it afterwards.

Chaser splits an invoice weekly through to yearly, but the follow-up keeps tracking the original due date rather than the instalment dates, and its own documentation tells you to chase the instalments by hand. It also raises no late fee at all on an invoice that is on a plan, so on a plan-heavy ledger the fee policy quietly stops applying. CreditorWatch Collect schedules recurring debits through its payment portal rather than offering a distinct instalment product. Paidnice runs deposits, instalments and auto-pay through Stripe and Pinch with the policy engine still live behind the plan. Upflow records a promise to pay and takes ad-hoc part payments, which is an intention rather than a schedule.

Keep the plan and the funding separate in your own head. An instalment plan leaves the receivable and the credit risk with you and only moves the dates. A finance provider settles the invoice and carries the risk itself, which is a different product at a different price.

The real cost: A$275, the A$900 setup and the per-letter fee

Two of the five publish a price: Paidnice at A$99 a month and Chaser at £199. CreditorWatch Collect, Upflow and Invoiced publish nothing and quote on a call.

Read the unit before the figure, because no two of these charge for the same thing. ezyCollect and CreditorWatch Collect price by debtor count, so winning more customers moves you up a tier whatever those customers are worth to you. Chaser prices by company turnover, so the bill steps when the business grows rather than when the chasing does. Paidnice prices by monthly invoice volume. Upflow quotes by ARR band and prints nothing at all.

Then the extras, which on an ezyCollect subscription are half the story. ezyCollect's entry tier is A$275 a month on an annual contract and about A$330 billed monthly, with an A$900 setup fee, mail, SMS and fax charged on top, in-app demand letters at A$49 each plus GST, an A$90 plus GST monthly payment gateway fee and card processing at 1.75% plus A$0.30. A collections referral is charged from 25% of what is recovered.

What a first year actually costs

Set the subscription, the one-off setup fee and the number of demand letters you expect to send, and the calculator returns the first-year total.

One band this page does not rank: businesses collecting high volumes of low-value debts on behalf of other businesses. That is a different market with specialist platforms such as iCollect, and no published price or independent review base could be verified for it, so nothing from that tier appears above.

What ledger you run: Xero, MYOB, and the rest

Every tool here connects to Xero and QuickBooks Online, so those two lines decide nothing. MYOB is where the list gets short, and for a business running AccountRight or Exo that single row settles more than the rest of the feature grid put together.

• Xero. All five connect. CreditorWatch Collect syncs on a 24-hour cycle; the others are closer to real time.
• QuickBooks Online. All five connect. Upflow polls every five minutes and lands payments in Undeposited Funds for manual reconciliation.
• MYOB. CreditorWatch Collect connects natively. Paidnice reaches MYOB on its Custom plan only, as a build rather than a standard connector, so it is a scoping conversation rather than a signup. Chaser, Upflow and Invoiced do not list MYOB at all, which removes three of the five from an AccountRight or Exo shortlist in one line.
• NetSuite, Sage Intacct and Dynamics 365. Chaser, Upflow and Invoiced. Paidnice reaches these on its Custom plan only.

Questions from ANZ finance teams

What Australian and New Zealand finance teams ask once the renewal arrives: what the alternatives publish, which of them can charge interest at all, which ones reach MYOB, and where the credit data goes.

Our sources, our dates, and who pays us

Accounting.Events publishes this page, and no vendor on it has paid for a listing, a position or a softer sentence. Every price and rating carries the month it was last confirmed.

The five were ordered on five tests, in this sequence:

1. Does it serve Australian and New Zealand businesses on the ledgers they actually run, MYOB included?
2. Can it charge interest, and at what grain? Computed in the product rather than handed to an ERP, and how many different rates can run at the same time.
3. Is there a published or verified entry price, in the currency the vendor prints, with the setup fee named where there is one, and the date it was confirmed?
4. Is the rating verified, counted and attributed? A score is only usable with the number of reviews behind it and the platform it came from. Two scores a tenth apart are separated by whichever has the larger verified base.
5. How far does the ledger and ERP list run beyond the system you already have?

A capability that cannot be confirmed across all five is written into the entry that carries it rather than used to sort the list. Invoiced is the clearest case here: neither its price nor its rating could be confirmed from a primary source, so neither was scored and it sits fifth on that basis.

Prices stay in the currency the vendor prints them in, so the Australian figures are Australian dollars and the Chaser figures are pounds, and nothing here has been run through an exchange rate. Ratings carry their count, their platform and, where it matters, their age: CreditorWatch Collect’s Xero reviews are largely older than the 2023 rebrand, and that is said in the entry rather than buried. Where a vendor prints no figure, the cell says so. Everything above was confirmed again in August 2026.

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