Paidnice is the best Xero add-on for chasing invoices in NZ for a business up to $50m a year that wants reminders, statements and late fees run per customer group, from NZ$109 a month. Chaser, CreditorWatch Collect, Kolleno and Satago follow, compared on NZ availability, NZD pricing and late fees on the Xero ledger.
| Tool | Best for |
|---|---|
| Paidnice | A New Zealand business on Xero that wants a different reminder, statement and late-fee policy per customer group, from NZ$109 a month |
| Chaser | A team with a named credit controller that wants Creditsafe credit checks in the same tool as the chasing |
| CreditorWatch Collect | A New Zealand owner who wants people making the collection calls, through the paid Call Assist add-on |
| Kolleno | A group finance team whose problem is matching payments to invoices across entities |
| Satago | A Xero business that wants credit reports and suggested limits bundled with reminders, billed in pounds |
Source: Xero Small Business Insights, New Zealand, June 2026 quarter, and the Xero NZ media release on the cost of late payments.
What is a Xero add-on for chasing invoices?
A Xero add-on for chasing invoices connects to a Xero organisation and does what Xero's own five email reminders cannot: SMS reminders, a rule per contact group, automatic statements, a late fee on the ledger, payment plans and a customer portal, with escalation to a person or an agency when the reminders fail.
It sits on top of Xero rather than replacing it. The invoices, contacts and due dates stay in Xero, and a late fee only works when the add-on raises it there as an invoice the customer's payables system receives.
What it is not:
- Not the ledger. Xero still raises the invoice and records the payment.
- Not a debt collection agency. CreditorWatch Collect hands undisputed debts over $500 to commission-only collection when the chasing fails.
- Not invoice finance, although Satago sells finance from the same provider.
- Not a credit bureau. Chaser carries Creditsafe checks and Satago credit reports. Paidnice runs native credit checks from each customer's payment behaviour, and Creditsafe bureau checks through the API on the Custom plan.
- Not a statutory interest engine. New Zealand has no statutory late-payment rate, so the fee is whatever your terms of trade say.
Reminders and statements alone are a full use case for a business whose customers pay when nudged, and a late fee is optional.
How this list was put together
This list helps a New Zealand business on Xero choose an add-on that chases invoices, priced in NZD where possible.
| What we checked | Where the evidence came from |
|---|---|
| NZ Xero App Store listing | The NZ Xero App Store, with the date each app was listed |
| Price in NZD | Vendor pricing pages, ex GST, in the currency each vendor prints |
| Late fees raised on the ledger | Vendor help pages on fees and interest |
| Reminder channels available in New Zealand | Vendor feature pages |
| Credit checks | Vendor product pages |
| Rating and review count | The Xero App Store, whose review pool is shared across regional stores |
Xero debtor chasing apps for New Zealand compared: the table
All five list on the New Zealand Xero App Store; Paidnice and CreditorWatch Collect are the two with a New Zealand base. Chaser has the largest review record. Satago and Kolleno connect to Xero but price in pounds and US dollars and publish no NZ presence.
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|---|---|---|---|---|---|
| Best for | NZ businesses wanting per-group reminders and late fees, from NZ$109 | Teams with a credit controller wanting Creditsafe checks in one tool | Owners who want people making the calls, through Call Assist | Group finance teams matching payments across entities | Credit reports bundled with reminders, billed in pounds |
| Revenue fit | Any size up to $50m a year, or 50,000 invoices a year | £4m and under on the entry tier | Not published | Under £1m on BusinessPay, tiers to £1bn and above | Not published |
| NZ Xero App Store listing | Yes (since Dec 2021) | Yes (since May 2015) | Yes (since Dec 2012) | Yes (since Apr 2022) | Yes (since Feb 2014) |
| From (monthly) | NZ$109 ex GST | £199 | Not published | $650 per user | £45 |
| Ledger integrations | Xero, QuickBooks Online | Xero, QuickBooks, Sage, NetSuite, Dynamics 365 | Xero, MYOB, QuickBooks | Xero, QuickBooks Online, Sage Intacct; NetSuite and SAP on Enterprise tiers | Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent |
| Late fees on the ledger | Yes (per customer group) | Yes (one set of rules for the account) | No | None found | Not documented |
| Reminder channels | Email, SMS; in-app calls by a person | Email, SMS, letter; auto-calls not available in NZ | Email, SMS, call | Email, SMS, call | Email; SMS from the Premium tier |
| Statements | Yes (any schedule) | Yes (monthly, fixed day) | Yes | Yes (in the portal) | Yes |
| Payment plans | Yes | Yes | Yes (recurring debits via portal) | Yes | Not documented |
| Credit checks | Yes: native checks from payment behaviour, plus Creditsafe via API on the Custom plan | Yes (Creditsafe) | Partial (parent bureau payment scores) | Yes (AI scores, bureau integrations) | Yes (credit reports and limits) |
| 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 | None No AI features | None No AI feature found (risk ranking is rule-based) | Advanced Insights, Copilot drafts and an autonomous Agent, in every tier | None No AI feature found |
| Rated (Xero App Store) | 5.0 (83) | 4.98 (374) | 4.89 (91) | 5.0 (18) | 4.93 (92) |
"Not documented" means the vendor does not document the capability. "Not published" means the vendor prints no price. "None found" means no evidence either way. Xero App Store review pools are shared across regional store URLs, so the count is global, not NZ-only. Prices are the vendor's published from-price.
The five tools in five checked facts
- Four of the five print a monthly price: Satago from £45, Paidnice from US$69, Chaser from US$259 and Kolleno from US$650. CreditorWatch Collect does not print a price.
- Each published price grows with something different: a flat tier (Satago), 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 rule).
- All five connect to both Xero and QuickBooks Online.
- AI that handles collections work or customer replies: Paidnice and Kolleno. No AI in receivables: Chaser, CreditorWatch Collect and Satago.
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.
1. Paidnice, best for NZ reminders and fees
Best for: New Zealand businesses up to $50m a year on Xero or QuickBooks Online that want reminders, statements and late fees run per customer group, from NZ$109 a month.
Winner, New Zealand Small Business App of the Year, Xero Global App Awards 2026.
What is Paidnice best for?
Choose Paidnice if you are a New Zealand business on Xero, at any size up to $50m a year, or 50,000 invoices a year, that wants the chasing and the late fee handled from the ledger without hiring a credit controller.
- Fits
- Xero and QuickBooks Online businesses of any size up to $50m a year, or 50,000 invoices a year, with or without a credit controller
- Regions
- Auckland head office; sells in New Zealand, Australia, United Kingdom, United States, Canada and South Africa
- Entry cost
- NZ$109 a month ex GST on Essentials, covering 150 invoices, 600 emails and up to 2 team members; Pro from NZ$149 with unlimited users and no per-seat fee; SMS NZ$0.15 each.
- Rated
- 5.0 from 83 reviews, 100% five-star, listed in NZ since December 2021 · Xero App Store listing; 4.9 from 14 on Capterra; 4.7 from 29 on Trustpilot
- Awards
- Winner, New Zealand Small Business App of the Year, Xero Global App Awards 2026; Xero Global Small Business App of the Year 2025
- Runs on
- Xero, QuickBooks Online, Stripe, Pinch Payments, HubSpot, Pipedrive, Zapier; NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on the Custom plan only
- Late fees
- Yes. Two charge types on the same customer group: an invoice late fee per overdue invoice and a statement interest charge on the whole overdue balance, raised on the Xero ledger as Draft or Approved
- Main strength
- Different customer groups running different reminder, statement and late-fee policies at the same time, all keyed off the Xero due date
Paidnice is an enforcement layer on a Xero organisation, built in Auckland and listed on the NZ store since December 2021. Paidnice says its AI reads customer replies and drafts the answer; a person approves each drafted reply before it sends.
- Reminder sequences per customer group by email and SMS, sent from your own domain on Pro.
- Statements on any schedule, including consolidated parent accounts, with interest recalculated at the moment each one sends.
- Two late-fee charge types posted to Xero as Draft or Approved invoices, netted against any credit on the account.
- Payment plans, a customer portal and escalation workflows that hand a stubborn account to a person.
Paidnice says its customers have half as many late invoices in the first 30 days.
Limitations with Paidnice. It runs only on Xero and QuickBooks Online as standard, so an MYOB business needs the Custom plan.
- One Capterra reviewer found setup "still a bit clunky and not intuitive enough".
Xero Add-ons for Chasing Overdue Invoices in New Zealand, Compared (1:24)
Video chapters and transcript
- 0:00 Short answer
- 0:24 One fit line per tool
- 0:38 Compared on price, presence and late fees
- 1:00 Late fees on the Xero ledger
Which Xero add-on chases overdue invoices in New Zealand? Xero can already send up to five invoice reminders. For more, five add-ons on the New Zealand Xero App Store chase overdue invoices: Chaser, CreditorWatch Collect, Kolleno, Paidnice and Satago.
They differ on New Zealand presence, on price, and on whether they put a late fee on the Xero ledger. Choose Chaser if you have a named credit controller and want credit checks in the same tool. It prices in pounds, from one hundred and ninety-nine a month.
Choose CreditorWatch Collect if you want New Zealand based specialists making the collection calls. Choose Kolleno if a group finance team needs to match payments to invoices across entities. It prices per user.
Choose Paidnice if you want a different reminder, statement and late fee policy per customer group, from one hundred and nine New Zealand dollars a month. Choose Satago if you want credit reports bundled with reminders, from forty-five pounds a month. New Zealand has no statutory late payment rate, so a late fee is whatever your terms of trade say.
Two of the five raise one on the Xero ledger. Paidnice sets it per customer group. Chaser applies one rule to every customer.
2. Chaser, best for a credit controller
Best for: New Zealand teams with a credit controller that want credit checks in the same tool, up to £4m turnover on the entry tier.
What is Chaser best for?
Choose Chaser if you have a finance team with a named credit controller that wants email, SMS and letter chasing plus Creditsafe credit reports from one established system.
- Fits
- Businesses with a credit controller; the entry tier is priced for £4m turnover and under, with tiers running to £10m and above
- Regions
- UK-registered, trading since 2014, sells worldwide; automated calls are not available in New Zealand
- Entry cost
- £199 a month on Compact for turnover to £4m with 4 users; Core £599 to £10m; Complete £899 above that. Chaser also publishes NZD prices: NZ$399 a month on Compact for revenue under NZ$8m, or NZ$359 billed yearly.
- Rated
- 4.98 from 374 reviews, listed since May 2015 · Xero App Store listing; 4.5 from 68 on G2
- Awards
- Xero App Partner of the Year 2023
- Runs on
- Xero, QuickBooks, Sage 50, Sage 200, Sage Intacct, NetSuite, Dynamics 365, AccountsIQ, SAP, HubSpot, Gmail, Outlook
- Late fees
- Yes. Four calculation types recalculated daily, but one set of rules for the account, applied to every debtor or to selected debtors, and no fee on payment-plan or partially paid invoices; the fee syncs to Xero as a line item
- Main strength
- Creditsafe credit checking and monitoring inside the same tool as the chasing, credit-metered at 4 credits per report outside the UK and Ireland
- Customers
- Named on its website: Pact Coffee, Huttie and TaxAssist. Huttie's case study reports £15,000 of old debt recovered.
- Reminders from the team's own Gmail or Outlook inbox, plus SMS and letters; automated calls are not available in New Zealand.
- Per-invoice payment plans from weekly to yearly, a payer portal and a collections partner.
Pricing is in pounds and tiered by turnover, so growth moves a business up a tier whether or not the ledger got harder.
Limitations with Chaser. One set of late-fee rules means one figure for every customer it covers, and no fee on invoices that are part paid or on a plan.
- Statements go monthly on a fixed day; Compact caps the team at four users and one inbox.
Best suited for: A New Zealand finance team with a named credit controller that wants Creditsafe credit checks in the same tool as the chasing. One set of late-fee rules covers the account, automated calls are not available in New Zealand, and the NZD price starts at NZ$399 a month on Compact.
3. CreditorWatch Collect, best for people making calls
Best for: New Zealand owners who want people making the collection calls through the paid Call Assist add-on, software price on application.
What is CreditorWatch Collect best for?
Choose CreditorWatch Collect if you want chasing done for you by a named human caller, with one-click hand-off to an outside recovery agency when the calls fail.
- Fits
- Not published. The 14-day trial covers up to 50 debtors; beyond that the plan is quoted by an account manager
- Regions
- Founded in Christchurch in 2012 as Debtor Daddy; acquired by CreditorWatch (Sydney) in October 2022 and rebranded on 1 March 2023; live listings on the NZ and AU Xero App Stores
- Entry cost
- Not published. The vendor's pricing page shows a free trial and a "Custom" sales-assisted plan only. Last reported tiers started at A$89 a month by debtor count; now hidden, request a quote. Call Assist human calling is a paid add-on at A$195, A$495 or A$795 a month.
- Rated
- 4.89 from 91 reviews, many of them written under the Debtor Daddy name · Xero App Store listing; 4.5 from 13 on Capterra
- Awards
- None found
- Runs on
- Xero (24-hour sync, manual trigger available), MYOB, QuickBooks; Zapier for everything else
- Late fees
- No. Nothing on the features page, help centre or FAQ describes a late fee or interest charge
- Main strength
- The human layer: the paid Call Assist add-on, whose AR specialists call your debtors on rules you set, and a Call Console that queues the calls you make yourself
- Call Assist: a paid add-on in which trained local AR specialists call on your rules, at A$195 a month for 20 calls, A$495 for 150 or A$795 for 400, with every outcome logged.
- Pay Now links through Stripe or Worldpay, chosen at setup, taking card, PayTo, bank transfer, Google Pay and Apple Pay, plus AutoPay direct debit; processing rates are not published and can be passed to the customer.
- One-click handover to commission-only debt collection for undisputed debts over $500 and under two years old.
Limitations with CreditorWatch Collect. No late fee or interest charge exists in the product, so an overdue invoice carries no cost until it reaches an agency.
- The Xero sync runs every 24 hours rather than in near real time.
4. Kolleno, best for cash application first
Best for: Order-to-cash teams that need cash application and reconciliation, priced per user.
What is Kolleno best for?
Choose Kolleno if you are the New Zealand arm of a larger group whose problem is matching payments to invoices across entities rather than chasing them.
- Fits
- Order-to-cash teams: BusinessPay for turnover under £1m, Business Plus £1m to £100m, Enterprise £100m to £1bn
- Regions
- London head office, founded 2020, selling internationally; no NZ presence published
- Entry cost
- $650 per user a month on BusinessPay, $545 on annual billing, minimum one user; Business Plus $1,245 per user with a two-user minimum.
- Rated
- 5.0 from 18 reviews, listed since April 2022 · Xero App Store listing; 4.9 from 117 on G2
- Awards
- G2 Best Software Awards 2024
- Runs on
- Xero, QuickBooks Online and Sage Intacct on the two lower tiers; NetSuite, SAP, Dynamics 365 and Oracle on Enterprise tiers
- Late fees
- None found. No feature page, pricing page or help article documents a late fee or interest calculation
- Main strength
- Cash application: remittance parsing, bank files in BAI2, NACHA and ISO 20022, match scoring and multi-currency journal entries
- Customers
- Named on its website: Simpro, Wise and Laundryheap. Laundryheap's case study reports 94% of payments collected on time.
- AI-drafted reminders by email, SMS and call, run as trigger-based workflows with conditional branches.
- Payment plans split weekly, monthly or bi-monthly, with a branded portal and bureau-fed credit scores.
A three-person finance team pays $1,950 a month before annual discounts, and no charge is computed for a late invoice.
Limitations with Kolleno. Nothing in its materials computes a late fee, so the overdue invoice carries no cost until a person adds one.
- Per-user pricing in US dollars, from $650 a seat a month.
- Reviewers name navigation and reporting depth as the recurring weak points.
5. Satago, best for bundled credit reports
Best for: Xero teams that want credit reports bundled with their chasing at a low sterling price, UK footprint only.
What is Satago best for?
Choose Satago if you are a Xero business that wants customer credit scores and suggested limits included in the same subscription as automated reminders, and are content to be billed in pounds.
- Fits
- Not published. Priced per company with no revenue band
- Regions
- United Kingdom only, on both the software and the invoice-finance side; no NZ presence published
- Entry cost
- £45 a month Basic with 25 credit reports and 100 email reminders; £80 Premium with unlimited email, 100 SMS and payment integrations; £200 Platinum.
- Rated
- 4.93 from 92 reviews, 96% five-star, listed since February 2014 · Xero App Store listing
- Awards
- None found
- Runs on
- Xero, Sage, Sage 50, QuickBooks, KashFlow, FreeAgent
- Late fees
- Not documented. No late-fee or interest mechanic is documented in the material checked, and nothing rules one out
- Main strength
- Credit reports, customer credit scores and suggested credit limits in the same subscription as the reminders, with invoice finance from the same provider
Satago sells automated chasing and credit-risk data on one side and invoice finance on the other, and both sides are built for UK companies, though the app lists on the New Zealand store.
Nothing in the vendor's material mentions a New Zealand customer, NZD billing or a local credit bureau, so the New Zealand case rests on the entry price alone.
Limitations with Satago. Its optional late fee sits in reminder emails with no ledger charge documented, and it does not document payment plans or a customer portal.
- Credit data and the finance product are built for UK companies.
Which Xero add-on suits invoice chasing in New Zealand?
The right Xero add-on for chasing invoices in New Zealand depends on what the business is missing. Paidnice fits a New Zealand business that wants a published NZD price and a late fee on the Xero ledger. Chaser fits a team with a credit controller that wants bureau credit checks. CreditorWatch Collect fits an owner who wants callers.
A Xero organisation can send up to five invoice reminders, three on by default, each a fixed number of days before or after the due date, with a minimum-amount threshold.
Xero's ideas board records the demand: 76 votes for SMS reminders, "not in our current roadmap" on 17 June 2026; 1,169 votes for auto-emailed statements, "in discovery" on 5 August 2026; 1,112 votes for interest on late invoices, "early days" on 7 July 2025.
Editorial view
A fee adds a cost to paying late and a reminder does not, so the late fee is scored as its own criterion.
Which invoice reminders app works with Xero in New Zealand?
Paidnice, Chaser and CreditorWatch Collect all send reminders by email and SMS to New Zealand numbers; CreditorWatch Collect adds human calls, and Chaser's automated calls are not available in New Zealand.
| Capability | Xero native | Paidnice | Chaser | CreditorWatch Collect | Kolleno | Satago |
|---|---|---|---|---|---|---|
| Reminders per sequence | Up to 5 | Unlimited, per group | Steps per schedule; 4 schedules on Compact | Workflow per contact | Trigger-based workflows | Custom schedules |
| Rule per customer group | No | Yes | Yes (schedules) | Default workflow per contact | Yes (conditional branches) | Yes (customer grouping) |
| SMS | No | Yes, NZ$0.15 each | Yes, credit-metered | Yes | Yes | From Premium tier |
| Phone | No | In-app calls by your team, recorded and transcribed | Manual calls; auto-calls not in NZ | Call Console and paid Call Assist callers | Yes | Not documented |
| Sends from | Xero | Your own domain (Pro) | Your Gmail or Outlook inbox | Not documented | Not documented | Not documented |
| Automatic statements | No | Yes, any schedule | Monthly, fixed day | Yes | In the portal | Yes |
Xero native reminder facts from Xero Central and the Xero product ideas board. Vendor capabilities from each vendor's published materials.
Which Xero debtor chasing apps serve New Zealand in 2026?
Two NZ-built tools anchor the 2026 market: Christchurch-built Debtor Daddy now trades as CreditorWatch Collect out of Sydney, and Auckland-built Paidnice won New Zealand Small Business App of the Year at the Xero Global App Awards 2026.
Debtor Daddy was for a decade the default New Zealand answer to "which app chases my Xero debtors". The NZ-heritage product is now an Australian bureau's third pillar, priced on application.
The NZ-listed newcomer prints an NZD price. Paidnice listed on the NZ store in December 2021, has 83 reviews at 5.0, and took the NZ Small Business App of the Year award in August 2026 after winning the global award in 2025.
Chaser, Kolleno and Satago all connect to Xero. Chaser publishes NZD prices from NZ$399 a month; none of the three has a New Zealand office.
Editorial view
We treat "NZ-based" as a criterion because it decides whether support answers in your working day, and whether the vendor knows what a Disputes Tribunal claim is.
Which tools apply late fees and interest?
Paidnice and Chaser raise a late fee on the Xero ledger. CreditorWatch Collect has no late-fee function, Kolleno documents none, and Satago adds an optional late fee to its reminder emails.
New Zealand has no equivalent of the UK's statutory 8% over base rate on commercial debt, so a late fee here is whatever your terms of trade say it is.
Which tools offer payment plans?
Three of the five Xero chasing add-ons offer instalment plans in New Zealand: Paidnice, Chaser and Kolleno. CreditorWatch Collect offers AutoPay direct debit instead, and Satago does not document its handling.
Chaser splits a single invoice into weekly to yearly instalments, though its own documentation notes that chasing still follows the original due date.
CreditorWatch Collect offers AutoPay, a recurring direct debit the customer authorises on overdue invoices, a scheduled payment rather than a negotiated plan. Kolleno splits weekly, monthly or bi-monthly. Paidnice takes deposits, instalments and auto-pay through Stripe or Pinch Payments.
How do you choose by revenue band?
Under NZ$1m, Xero's native reminders may be enough. From NZ$1m to NZ$20m, Paidnice and CreditorWatch Collect both list for New Zealand. Above that, Chaser's turnover tiers and Kolleno's per-user platform come into range.
| Annual turnover | First look | Why |
|---|---|---|
| Under NZ$1m | Xero native, then an add-on | Five native reminders may be enough; NZ$109 ex GST buys SMS, statements and a late fee when they are not |
| NZ$1m to NZ$20m | CreditorWatch Collect or Paidnice | Collect's paid Call Assist service covers an owner without a credit controller; Paidnice covers any size up to $50m a year, or 50,000 invoices a year |
| Under £4m equivalent, with a credit controller | Chaser Compact | £199 a month covers turnover to £4m with 4 users and Creditsafe checks |
| Group finance, multiple entities | Kolleno or Chaser Core | Kolleno's reconciliation depth from $650 per user; Chaser's multi-entity from £599 |
Chaser states its NZD tiers by revenue: under NZ$8m, NZ$20m and NZ$210m.
How do you choose by ledger?
All five connect to Xero. Only CreditorWatch Collect also connects to MYOB as standard, and only Chaser and Kolleno reach the mid-market ERPs a New Zealand group might run.
- Xero only: any of the five; Paidnice and CreditorWatch Collect have the NZ listings.
- Xero and QuickBooks Online: Chaser, Kolleno, Paidnice, Satago.
- MYOB: CreditorWatch Collect as standard; Paidnice on its Custom plan only.
- NetSuite, Sage Intacct or Dynamics 365: Chaser as standard, Kolleno on its Enterprise tiers, Paidnice on Custom.
What do Xero invoice chasing add-ons cost in New Zealand?
Chaser prints NZ$399 a month on Compact, Paidnice prints NZ$109 a month ex GST, CreditorWatch Collect prints no software price (last reported A$89, now hidden, request a quote), Kolleno prints $650 per user and Satago prints £45.
Chaser steps by turnover. CreditorWatch Collect quotes. Kolleno charges per user, so a three-person team triples the invoice. Paidnice steps by invoice volume with no per-seat fee, so a three-person team pays the same as one. Satago steps by credit reports and reminder volume.
Annual cost by meter: what your team would pay in a year
One team's year, priced: 120 invoices, 3 team members, 40 SMS a month. Chaser Compact is £199 x 12 = £2,388 at any team size up to 4. CreditorWatch Collect quotes. Kolleno is $650 x 3 users x 12 = $23,400.
Paidnice needs Pro because Essentials covers 2 team members: NZ$149 x 12 = NZ$1,788, plus 480 SMS x NZ$0.15 = NZ$72, so NZ$1,860 a year ex GST. Satago's entry tier is £45 x 12 = £540 before SMS.
Paidnice Essentials covers 150 invoices, 600 emails and 2 team members; Pro's invoice allowance is not printed here, so treat Pro as a from-price. Chaser Compact covers turnover to £4m and 4 users. Kolleno is priced per user.
When a debt reaches the end of the road, the Disputes Tribunal handles claims up to $60,000 from 24 January 2026, with a $468 filing fee on the top tier that a successful claimant can recover, per the Ministry of Justice.
Under the Limitation Act 2010 you generally have six years from the date the debt became payable, restarting on part-payment or written acknowledgement.
Common questions
Does Xero chase overdue invoices on its own?
Xero chases overdue invoices on its own by email only, with up to five reminders. There is no SMS reminder, no rule per contact group, no automatic statement and no late fee.
What happened to Debtor Daddy?
Debtor Daddy, founded in Christchurch in 2012, was acquired by CreditorWatch in October 2022 and rebranded CreditorWatch Collect in March 2023. The NZ Xero App Store listing is live and carries the same 91 reviews. Published tiers have been replaced by a free trial and a sales-assisted Custom plan.
Which Xero chasing apps charge in New Zealand dollars?
Paidnice, at NZ$109 a month ex GST on its entry tier and NZ$0.15 per SMS. CreditorWatch Collect quotes, Chaser publishes NZ$399 a month on Compact, Satago prices in pounds and Kolleno in US dollars.
Which app adds a late fee to a Xero invoice?
Chaser raises a late fee from one set of rules for the account, synced to Xero as a line item. Paidnice raises an invoice late fee and a statement interest charge on the ledger per customer group. The other three do not.
How much do Xero invoice chasing add-ons cost in New Zealand?
Paidnice prints NZ$109 a month ex GST, Chaser NZ$399 on Compact, Satago £45 and Kolleno $650 per user. CreditorWatch Collect prints no software price; its last reported tiers started at A$89 a month, now hidden, request a quote.
Which Xero chasing apps offer payment plans in New Zealand?
Paidnice, Chaser and Kolleno offer instalment plans. CreditorWatch Collect offers AutoPay direct debit instead, and Satago does not document its handling.
What can a New Zealand business do when the chasing fails?
The Disputes Tribunal handles claims up to $60,000 from 24 January 2026, with a $468 filing fee on the top tier. Under the Limitation Act 2010 you generally have six years from the date the debt became payable.
Next in this guide
Versus
CreditorWatch Collect vs Paidnice
The two NZ-listed tools set against each other on price, fees and the human layer.
Global list
Best accounts receivable software for Xero
The wider field beyond New Zealand, compared on the same criteria.
Australia
Best debtor management app for Xero in Australia
The Australian ranking, with AUD pricing and AU store evidence.
Buyer's guide
Credit control software for Xero
The five decisions that produce a shortlist, in the order they should be taken.
Sources
14 sources, checked by Julie Turnbridge on October 26, 2026
- Xero Small Business Insights, New Zealand xero.com/us/resources/small-business-insights/latest-new-...
- Xero NZ media release xero.com/us/media-releases/late-payments-cost-kiwi-small-...
- Xero App Store listing apps.xero.com/nz/app/paidnice
- Capterra capterra.com/p/254868/Paidnice
- Trustpilot trustpilot.com/review/paidnice.com
- Xero App Store listing apps.xero.com/uk/app/chaser
- G2 g2.com/products/chaser/reviews
- Xero App Store listing apps.xero.com/nz/app/creditorwatch-collect
- Capterra capterra.com/p/144647/Debtor-Daddy
- Xero App Store listing apps.xero.com/uk/app/kolleno
- G2 g2.com/products/kolleno/reviews
- Xero App Store listing apps.xero.com/uk/app/satago
- Ministry of Justice justice.govt.nz/about/news-and-media/news/disputes-tribun...
- Limitation Act 2010 legislation.govt.nz/act/public/2010/0110/11.0/DLM2033275....
