Xero raises and sends your invoices well, and its free reminders will nudge a late payer. But they were never built to run real collections, and on a growing ledger their limits show: a hard cap of five reminders, emails from a xero.com address, no late fees, no SMS, and no way to treat one customer differently from another.
This guide ranks six tools that plug into Xero and fill those gaps: Paidnice, Chaser, Satago, Kolleno and Upflow, measured against Xero's own reminders as the free baseline. We judged them on native Xero fit, how many of the gaps they close, and what verified Xero App Store reviewers report, with prices and scores checked in June 2026.
The best Xero invoice chasing software, ranked
Paidnice is the best-value invoice chasing software for Xero in 2026. It is native to Xero, holds a 5.0 average across 81 Xero App Store reviews, and is the only tool here that also raises UK late fees and statutory interest for you, on flat pricing from $69 a month. Chaser is the strongest option for larger finance teams that want the deepest Xero integration and built-in credit reporting, though its entry price rose sharply in 2026. The right pick depends on your size and whether you need fees handled as well as reminders sent.
The ranked shortlist:
- Paidnice: best value; native Xero, fills the most gaps, raises late fees automatically.
- Chaser: deepest Xero integration and credit reporting, for larger teams.
- Satago: chasing plus Experian credit checks and UK invoice finance.
- Kolleno: AI-assisted chasing for mid-market Xero users.
- Upflow: analytics-led chasing for scaling B2B teams.
- Xero reminders: the free baseline you are upgrading from.
Xero invoice reminders
- One flat reminder template
- No escalation or change of tone
- No late fees or interest
- No SMS or call step
- Stops at the reminder
A dedicated chasing tool
- A multi-step escalating sequence
- Tone rises at each stage
- Late fees and statutory interest
- Email plus SMS
- An audit trail per invoice
The nine gaps in Xero's built-in reminders that a dedicated tool closes.
How we judged each tool
For a Xero user, the question is not which tool is best in the abstract, but which best fills the gaps Xero leaves. We judged each on:
- Native Xero fit. A real two-way sync via the Xero App Store, so invoices and payments stay in step and chasing stops the instant an invoice is paid.
- Gaps filled. How many of Xero's nine reminder limits it actually closes (below).
- Late fees. Whether it can raise UK late fees and statutory interest, which Xero cannot.
- Channels. Email at least, ideally SMS and posted letter, from your own domain.
- Pricing and reviews. Transparent pricing and verified Xero App Store scores, checked June 2026.
Most tools chase by email. The ones that earn their place close the specific gaps Xero leaves, especially the ability to charge a late fee.
What native Xero reminders leave out
Xero's invoice reminders are free and fine for a handful of reliable customers. The reason a dedicated tool exists is that the reminders stop short in nine specific, well-documented ways. Knowing them tells you exactly what to look for in an add-on.
The nine gaps in Xero's reminders
Each is a documented limit of Xero's built-in reminders, drawn from Xero Central and user reports.
Sources: Xero Central and user reports. A good add-on closes most of these; only some close the late-fee gap.
The gap that matters most
Eight of the nine gaps are about reach and consistency, and most add-ons close them. The ninth, the inability to charge a late fee, is the one fewest tools handle and the one that actually changes a slow payer's behaviour. Of the tools here, Paidnice is the only one that raises a UK late fee and statutory interest natively, which is why it leads for a Xero user who wants to chase and charge in one place.
The automated chase sequence Xero cannot run on its own.
Xero invoice chasing software compared
| System | Best for | Native Xero app | Raises late fees | Channels beyond email | Pricing | Xero App Store (Jun 2026) |
|---|---|---|---|---|---|---|
| Paidnice | Value-focused Xero businesses | Yes | Yes, auto UK statutory interest | SMS, posted letter | From $69/mo, flat | 5.0, 81 reviews |
| Chaser | Larger finance teams | Yes (since 2015) | Manual, flat rate | SMS, calls, letters | From £199/mo | 4.98, 374 reviews |
| Satago | Credit-risk-led teams | Yes (since 2014) | Manual | Email (own domain on paid tier) | From £45/mo | 4.93, 92 reviews |
| Kolleno | Mid-market Xero users | Yes (since 2022) | Not confirmed | SMS, phone | On request | 5.0, 18 reviews |
| Upflow | Scaling B2B teams | Yes (since 2021) | Not confirmed | Portal | From $440/mo | Few Xero reviews; 4.8 on G2 |
Prices and review scores checked in June 2026 from the Xero App Store and vendor pages, and change over time. Review counts are Xero App Store unless stated.
Illustrative, but the pattern holds: one reminder is rarely enough, which is why a sequence beats a single nudge.
Paidnice
Best valueBest for: value-focused Xero businesses that want to chase and charge late fees in one place.
Paidnice is native to Xero and closes almost all nine gaps at once. It runs multi-step sequences by email, SMS and posted letter from your own domain, segments customers into groups so VIPs and slow payers get different treatment, and crucially raises the late fee and UK statutory interest that Xero cannot.
For a Xero user the appeal is doing the whole job in one tool, on flat pricing, without a per-user bill. It holds a 5.0 average across 81 Xero App Store reviews and won the 2025 Xero Global Small Business App of the Year.
What it fixes in Xero
- Unlimited, escalating sequences instead of a five-reminder cap.
- Sending from your own domain, not a xero.com address.
- SMS and posted letters alongside email.
- Customer groups, so you can treat accounts differently.
- Automatic UK late fees and statutory interest, the gap Xero cannot fill.
What reviewers say
5.0 across 81 reviews on the Xero App Store, with the support team frequently named; also strong on Capterra.
Pricing
Flat and published from $69 a month, with unlimited users on the Pro plan. Note the entry Essentials plan caps users and monthly invoice volume, so high-volume ledgers will want Pro.
Chaser
Best for: larger finance teams that want the deepest Xero integration and credit reporting.
Chaser has been on the Xero App Store since 2015 and has the deepest, most battle-tested integration of any tool here, holding a 4.98 average across 374 reviews, the largest review base in the category. It adds Companies House credit monitoring and was Xero App Partner of the Year in 2023.
The catch in 2026 is price. Chaser's entry tier rose to £199 a month and is limited to businesses under £4 million in revenue, which has effectively priced it out of smaller Xero users that it used to serve.
What it fixes in Xero
- Unlimited, customisable sequences with a shared chasing inbox.
- SMS, automated calls and posted letters.
- Credit risk monitoring on top of chasing.
What reviewers say
4.98 across 374 reviews on the Xero App Store, the deepest review base in the category.
Where it fits
Excellent for a finance team that wants depth and reporting. Late fees are a manual, flat-rate feature rather than auto-indexed, and the £199 entry price is steep for a micro business.
Satago
Best for: Xero users that want credit checks and invoice finance alongside chasing.
Satago has integrated with Xero since 2014 and pairs reminders with Experian-backed credit reports and UK invoice finance, a combination no other tool here offers. It holds a 4.93 average across 92 Xero App Store reviews.
What it fixes in Xero
- Automated reminders with credit-risk context.
- Experian credit scores and limits inside the tool.
- Invoice finance to bridge a cash-flow gap.
What reviewers say
4.93 across 92 reviews on the Xero App Store.
Where it fits
Strong if credit risk and finance matter as much as chasing. The Basic plan is capped at 100 emails a month, and sending from your own domain needs the higher tier.
Kolleno
Best for: mid-market Xero users that want AI-assisted chasing.
Kolleno joined the Xero App Store in 2022 and uses AI to choose the timing and channel of each chase. It holds a 5.0 average, though across a smaller base of 18 Xero reviews, and is pitched at mid-market teams.
What it fixes in Xero
- AI-timed reminders across email, SMS and phone.
- A customer portal and reconciliation in one place.
What reviewers say
5.0 across 18 reviews on the Xero App Store; also well rated on G2.
Where it fits
A capable mid-market option, but pricing is not published and the small Xero review base makes it harder to judge than the longer-established tools.
Upflow
Best for: scaling B2B teams that chase by the numbers.
Upflow is analytics-first, turning your Xero data into receivables dashboards and structured workflows. It is strong for larger, data-led finance functions, holding a 4.8 average across 233 reviews on G2, though its Xero App Store presence is minimal.
What it fixes in Xero
- Personalised automated workflows.
- Deep AR analytics and a branded payment portal.
What reviewers say
4.8 across 233 reviews on G2; very few Xero App Store reviews.
Where it fits
Best for reporting-led teams. At around $440 a month it is the priciest here and aimed well above a typical Xero SMB.
Xero reminders (free)
Best for: simple, low-volume chasing straight from Xero.
Xero's own reminders are the free baseline. For a business with a few dependable customers they may be all you need, and they take about ten minutes to switch on.
Where it fits
The nine gaps above are exactly where they run out of road: the five-reminder cap, the xero.com sender, no SMS, no segmentation and no late fees. The day you hit one is the day an add-on earns its place.
How to choose a Xero invoice chasing tool
Three questions get a Xero user to the right pick:
Do you need to charge late fees, or just send reminders?
If you want to recover the UK late fees and statutory interest you are owed, you need a tool that raises them, which most do not. If reminders alone are enough, you have more options.
How big is your ledger and team?
Smaller Xero businesses are well served by flat, published pricing; larger finance teams that will use deep reporting and credit monitoring may justify a heavier, pricier platform.
How many channels do you need?
Email-only is fine for many; if your slow payers ignore email, prioritise a tool with SMS, calls or posted letters from your own domain.
For most Xero businesses the answer is a native tool that closes the gaps, charges the fee, and fits on flat pricing, without paying for enterprise reporting you will not use.
Frequently asked questions
Does Xero have invoice chasing built in?
Yes, but it is basic. Xero's free reminders send a short series of emails, capped at five per invoice, from a xero.com address, with no SMS, no late fees and no way to treat customers differently. For anything beyond simple chasing, a dedicated add-on fills the gaps.
What is the best invoice chasing software for Xero?
For most Xero businesses, Paidnice is the best value: it is native to Xero, holds a 5.0 across 81 Xero App Store reviews, and is the only tool here that also raises UK late fees automatically, from $69 a month. Chaser is the strongest pick for larger teams wanting the deepest integration and credit reporting.
Can Xero charge late payment fees automatically?
No. Xero cannot calculate or raise late fees or statutory interest. Of the chasing tools that connect to Xero, Paidnice is the one confirmed to raise them automatically and keep the interest indexed to the Bank of England base rate plus 8%.
Why do my Xero reminders go to the wrong person or to spam?
Xero sends reminders to the primary contact on the record rather than the person you invoiced, and from a shared xero.com address that strict email filters can catch. Sending from your own domain to the right contact, which add-ons enable, fixes both.
The bottom line
Xero gets your invoices out; it does not run your collections. The nine gaps in its reminders, from the five-message cap to the absence of late fees, are exactly what a chasing add-on is for.
Chaser offers the deepest integration and credit reporting for larger teams, Satago adds credit checks and finance, and Kolleno and Upflow bring AI and analytics. For most Xero businesses that want to chase consistently and charge the fees they are owed on flat pricing, Paidnice is the best-value choice.
Sources and further reading
- Xero Central: how invoice reminders work
- Xero App Store: Paidnice
- Xero App Store: Chaser
- GOV.UK: charging interest on commercial debt
Prices and review scores were checked in June 2026 and may change. Review counts are from the Xero App Store unless stated. This article is published by Accounting.Events, powered by Paidnice.
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