One of these tools decides whether to give the customer credit. The other decides what happens when they take too long to pay it back. Paidnice computes invoice late fees and statement interest per customer group and posts them back to the ledger in Xero or QuickBooks Online, from US$69 a month with no setup fee. ezyCollect, part of Sidetrade since October 2025, pairs collections workflows with illion credit data and the deepest Australian ERP list in the category, from A$275 a month on an annual contract plus a setup fee from A$900.
For an Australian wholesale or trade business the second sentence usually settles it before the first, because ezyCollect connects to MYOB, Pronto Xi, SAP Business One and Attaché and Paidnice connects to none of them. That test comes second below, and it is short.
Score the customer first, or charge them later
Both products work the same customer at opposite ends of the relationship, and the Australian data says why the front end carries more weight in this market than in most.
Xero Small Business Insights, June 2026. Australian small businesses now wait 20.3 days for payment, down from 24.6 a year before, and settle 4.3 days past due against 7.0. The sector line is the one that matters on this page: wholesale trade waits 27.6 days where retail trade waits 15.6.
An Australian small business waits 20.3 days to be paid and settles 4.3 days past due, both improved on a year earlier. The sector split is the number that decides this page: wholesale trade waits 27.6 days against 15.6 in retail. Wholesale extends real credit terms to businesses that then use them, so the risk is created when terms are granted and realised weeks later.
That is the case for the front end. Credit Insights combines your aged trial balance and payment terms with illion bureau data into risk groups and monthly credit scores, metered at 40 to 140 a month by tier, so an account that should never have had 30 days can be caught before the invoice exists.
And that is the case for the back end, because a credit score collects nothing. Paidnice raises an invoice late fee per overdue invoice and a statement interest charge on the whole overdue balance, both as posted documents on the ledger, which puts them into the customer’s own payables and their next payment run. Card surcharging is the only charge ezyCollect adds, and a surcharge is paid by the customer who pays, not by the customer who is late.
If the ledger is MYOB or Pronto Xi, the page ends here
This is the one comparison in the category where Paidnice’s Xero-and-QuickBooks-only limit is disqualifying rather than inconvenient.
ezyCollect connects Xero, MYOB AccountRight, Exo, Essentials and Acumatica, QuickBooks Online, NetSuite, Dynamics, Sage 300 and Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve, ABM, Wisei and CSV. That list is the Australian mid-market stack, and it is most of what a wholesale or trade business is actually running.
Paidnice is native to Xero and QuickBooks Online. MYOB, NetSuite, Sage Intacct and Dynamics 365 Business Central sit on the Custom plan as a build rather than a standard connector, and Pronto Xi, SAP Business One, Attaché and JCurve are not served at all.
So the test is one question. If your receivable lives in MYOB AccountRight, Pronto Xi, SAP Business One or Attaché, ezyCollect is the only one of the two that can read it and everything below is background. If it lives in Xero or QuickBooks Online, both connect, and the rest of this page is a live comparison. On the Xero store itself Paidnice holds 5.0 from 82 reviews verified 20 August 2026 and ezyCollect holds 4.9 from 35 on the Australian store.
1. Paidnice
Best for an Australian or New Zealand business on Xero or QuickBooks Online that wants the charge as well as the reminder, $1m to $20m
What is it best for?
For a business whose customers can pay and choose not to yet, where the missing lever is a cost attached to being late rather than a better view of who is.
- 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
- Australia, New Zealand, United Kingdom, United States, Canada, South Africa
- Entry cost
- US$69/mo on Essentials, covering 150 invoices, 600 emails and up to 2 team members; Pro from US$99/mo with unlimited users and no per-seat fee. Local price tables rather than FX conversion, so A$99 and £49 for the same tier. 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
- Late fees and interest
- Yes, per customer group. Flat, percentage and compounding charges, with a Bank of England base rate toggle for UK invoices that applies the correct base rate for each period an invoice spans, raised on the ledger as Draft or Approved
- Does best
- 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, both posted to the ledger
Paidnice acts per invoice and per customer group, not per customer, so the charge and the reminder can carry different rules for the same account. A wholesale group, a retail group and a disputed-accounts group each run their own policy at the same time, and two charge types are available on any one of them: an invoice late fee per overdue invoice, and a statement interest charge on the whole overdue balance.
The charge is raised on the ledger as a posted invoice, Draft or Approved, which is the mechanism the rest of this page keeps returning to: only a posted document enters the customer’s own payables, their aged payables report and their next payment run. Statement interest recalculates at the moment the statement sends rather than at the last policy run, so the balance the customer opens is accurate that morning, and it is netted against any credit on the account. Compounding is on by default; simple interest is the deliberate choice.
Around it runs the ordinary ladder: reminders by email and SMS from your own authenticated domain, statements on any schedule including consolidated parent and child accounts, prompt payment discounts, payment plans with deposits and auto-pay through Stripe and Pinch Payments, a customer payment portal, and escalation through manual task workflows. An AI Credit Controller is in beta as at August 2026, with human approval before anything sends. There are no contracts and no lock-ins, and further Xero or QuickBooks organisations are US$29 per entity a month.
Limitations with Paidnice. There is no credit checking, no bureau score and no credit limit, so nothing here stops a bad account being opened. There is no cash application. It is native to Xero and QuickBooks Online only, and MYOB AccountRight, Exo, Essentials and Acumatica, Pronto Xi, SAP Business One, Attaché, JCurve and ABM are the Australian ledgers it does not reach; MYOB, NetSuite, Sage Intacct and Dynamics 365 Business Central sit on the Custom plan as a build rather than a standard connector. There are no posted demand letters and no agency referral from inside the product. The entry tier covers two team members, and unlimited users start on Pro.
2. ezyCollect
Best for an Australian wholesale or trade business that extends real credit terms, priced by debtor count from 200 to 3,000
What is it best for?
For a distributor or trade supplier whose losses are made at the point terms are granted, on a ledger that Xero and QuickBooks Online tools cannot read.
- Fits
- Australian wholesale, distribution and trade businesses with a credit function. No revenue band published; tiers are set by debtor count, from 200 debtors on the entry plan to 3,000 on the top one
- Regions
- Founded in Sydney in 2014, sells across Australia and New Zealand, part of Sidetrade since October 2025
- Entry cost
- A$275/mo on ezyStart on an annual contract, covering 200 debtors, 3 users and 1 workflow, plus a one-off setup fee of A$900; monthly billing runs about 20 percent higher, so about A$330. ezyGrow A$950, ezyScale A$2,350, ezyUltimate on quote, each with setup up to A$3,900. As at August 2026, verify current pricing
- Rated
- 4.9 from 35 Xero App Store reviews on the Australian store; 4.7 from 25 on G2; 4.9 from 12 on Capterra; 4.6 on Trustpilot · Xero App Store listing
- Awards
- None found
- Runs on
- Xero, MYOB AccountRight, Exo, Essentials and Acumatica, QuickBooks Online, NetSuite, Dynamics, Sage 300 and Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve, ABM, Wisei and CSV
- Late fees and interest
- None found. No late fee, interest or statutory charge appears in the help centre or in the July 2026 relaunch materials; automatic and customer-level card surcharging is the only charge the product adds
- Does best
- Credit Insights, which combines your aged trial balance and payment terms with illion bureau data into risk groups and monthly credit scores, 40 to 140 a month by tier
The Australian ERP list is the reason most buyers get here, and it is the widest in the category: MYOB AccountRight, Exo, Essentials and Acumatica, Pronto Xi, SAP Business One, Attaché, JCurve, ABM, Wisei, Sage 300 and Sage Intacct, NetSuite and Dynamics, alongside Xero, QuickBooks Online and CSV. For a wholesale business on Pronto Xi that list is not a feature comparison, it is the whole shortlist.
Credit Insights is the second reason. It combines your aged trial balance and payment terms with illion bureau data into risk groups and monthly credit scores, metered at 40 to 140 a month by tier, so an account that should not have been given 30 days can be caught before the invoice is raised. Auto cash application matches receipts and writes them back to the ERP, the SimplyPaid portal takes cards, Apple and Google Pay, direct debit, EFT and ACH, and escalation carries on past the software into in-app demand letters and then a manual referral to partner collection agencies. ezyCollect was founded in Sydney in 2014, acquired by Sidetrade in October 2025 and relaunched in July 2026 with AIMIE, Sidetrade’s order-to-cash AI; collections themselves run as customer-level workflows, a pre-reminder and around six follow-up steps across email, letter, SMS, fax and call tasks, with overdue invoices consolidated into one message per customer, and payment plans running as subscription, fixed-amount or fixed-count instalments once support enables them.
Limitations with ezyCollect. No late fee or interest function is documented anywhere in its materials, so a late invoice costs the customer nothing inside ezyCollect and card surcharging is the only charge it adds. Pricing carries a setup fee of A$900 on the entry tier and up to A$3,900 above it, monthly billing runs about 20 percent above the annual rate, and letters, SMS and fax are charged on top, with a A$90 plus GST monthly gateway fee on card payments. In-app demand letters are A$49 plus GST each and agency referral starts at 25 percent of the amount recovered. Customers who reach the end of a workflow window get no further automated follow-ups, autonomous collections is announced rather than shipped as at August 2026, and no public API documentation was found.
Twelve months of ezyCollect, all charges included
ezyCollect is the only vendor in this category that publishes a setup fee, which makes this the only comparison where a real first-year total can be printed instead of a from-price.
| Line | ezyCollect ezyStart, first 12 months | Paidnice Essentials, first 12 months |
|---|---|---|
| Subscription | A$275 × 12 = A$3,300, on an annual contract | A$99 × 12 = A$1,188 |
| Setup | A$900, one off | None |
| Card gateway | A$90 + GST × 12 = A$1,080 | None |
| Demand letters, ten of them | A$49 + GST × 10 = A$490 | Not available |
| First-year total | A$5,770, plus GST on the metered lines | A$1,188 |
ezyStart is sized for 200 debtors, 3 users and 1 workflow. Paidnice Essentials covers 150 invoices, 600 emails and 2 team members, priced from a fixed local table rather than an FX conversion. Every figure above is ezyCollect’s or Paidnice’s own published number, checked August 2026, and no vendor paid for a line of it.
Three variables move the left-hand column. Monthly billing instead of annual runs about 20 percent higher, so ezyStart becomes about A$330 a month and the subscription line becomes roughly A$3,960. The ezyGrow tier is A$950 a month for 500 debtors, with setup up to A$3,900. Agency referral, if it gets that far, is 25 percent of whatever is recovered, and letters, SMS and fax are metered throughout.
The Paidnice column has a short list of extras: SMS at US$0.10 a message and US$29 a month for each further Xero or QuickBooks Online organisation. Unlimited users start on Pro rather than on the entry tier.
The comparison stops being fair the moment credit scoring is needed, because Paidnice has none. What the roughly A$4,600 difference buys over a year is 40 to 140 illion credit scores a month, cash application written back to the ERP, in-app demand letters, and connectors Paidnice does not have. If none of those four is on your list, the difference is headroom you are paying for.
One message per customer, or one policy per invoice
The two products chase at different grain, and on a trade account with a long tail of overdue invoices the difference is visible in the customer’s inbox.
Take one wholesale account with eleven overdue invoices: four at 7 days, five at 35 days and two at 92 days.
ezyCollect sends one message. Collections run as customer-level workflows, a pre-reminder and around six follow-up steps across email, letter, SMS, fax and call tasks, with the overdue invoices consolidated into a single message per customer. The account moves through the workflow as one unit, at whichever step its position dictates, which means the two invoices at 92 days are chased at the same intensity as the four at 7. That is the right shape for a relationship you intend to keep.
Paidnice runs the policy per invoice, inside a customer group. The four at 7 days get the first reminder, the five at 35 get the escalated one, and the two at 92 carry the late fee, all against the same account on the same day. A statement then consolidates the balance, including across parent and child accounts, and the statement interest charge is calculated on the whole overdue balance rather than invoice by invoice.
Neither model is better in the abstract. One optimises the conversation and the other optimises the pressure, and a wholesaler with eleven overdue invoices on one account usually already knows which of the two it needs this quarter.
Both schedule instalments, with the same difference in shape. ezyCollect runs subscription, fixed-amount and fixed-count plans through the SimplyPaid portal, collected in the same portal the customer already uses, and the feature is off until support switches it on for your account. Paidnice takes deposits, instalments and auto-pay through Stripe and Pinch Payments from the same policy set as the reminders, so an account on a plan comes off the fee policy while the reminder ladder keeps running.
Paidnice and ezyCollect compared: the table
Two rows carry most of the decision: ledger integrations, and the late fee grain. The rest is detail you can hold until the shortlist is down to one.
| |
|
|---|---|---|
| Revenue fit | $500k to $20m | Not published (priced by debtor count, 200 to 3,000) |
| From (monthly) | US$69 | A$275 on an annual contract, plus setup from A$900 |
| Ledger integrations | Xero, QuickBooks Online | Xero, MYOB AccountRight, Exo, Essentials and Acumatica, QuickBooks Online, NetSuite, Dynamics, Sage 300 and Sage Intacct, SAP Business One, Pronto Xi, Attaché, JCurve, CSV |
| Late fee grain | Yes (per customer group) | None found |
| Statements | Yes (any schedule, including consolidated parent accounts) | Yes (monthly) |
| Payment plans | Yes | Yes (enabled by support) |
| Portal | Yes | Yes (SimplyPaid) |
| Credit checks | None found | Yes (illion data, 40 to 140 scores a month by tier) |
| Cash application | None found | Yes (with write-back to the ERP) |
| AI | Yes (AI Credit Controller, in beta) | Yes (AIMIE, collection priorities and benchmarking) |
| Rated (source, count) | 5.0 (82, Xero App Store) | 4.9 (35, Xero App Store AU) |
| Last verified | 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.
Credit scoring before the invoice against a charge after it
The capability each product has and the other does not, described as what it changes rather than as a feature name.
On the ezyCollect side: bureau scores and risk groups from illion, metered at 40 to 140 a month by tier, with a credit limit attached; auto cash application that matches receipts and writes them back to the ERP; in-app demand letters at A$49 plus GST each; and a manual referral to partner collection agencies from 25 percent of what is recovered. Paidnice has none of these. No bureau score, no credit limit, no cash application, no letters.
On the Paidnice side: flat, percentage and compounding charges running as a policy under a customer group, with compounding on by default and simple interest as the deliberate choice. A Bank of England base rate toggle applies the correct base rate for each period a UK invoice spans, which matters for an Australian business invoicing UK customers. Both charge types can run on the same group, interest is netted against any credit on the account, and a single disputed invoice can be excluded by its reference without moving the customer. ezyCollect documents no late fee, interest or statutory charge anywhere in its help centre or its July 2026 relaunch materials.
Neither tool is a debt collection agency. ezyCollect refers an account to partner agencies and goes no further itself. Paidnice stops at a task on somebody’s list inside your own ledger, and choosing an agency is your decision to make.
| Plan | Monthly price | Includes |
|---|---|---|
| Paidnice Essentials | US$69 | 150 invoices, 600 emails, up to 2 team members; late fees, interest, statements and escalations |
| Paidnice Pro | From US$99 | From 300 invoices, unlimited users; email allowance scales with the tier, up to 4,000 invoices a month |
| Paidnice Custom | From US$999 | Above 4,000 invoices; custom ERP and payment integrations, invoice API access, implementation specialist and dedicated account manager |
| ezyCollect ezyStart | A$275 | 200 debtors, 3 users, 1 workflow, on an annual contract. Setup A$900 |
| ezyCollect ezyGrow | A$950 | 500 debtors, 5 users, 3 workflows. Setup up to A$3,900 |
| ezyCollect ezyScale | A$2,350 | 1,500 debtors, 10 users, 5 workflows. Setup up to A$3,900 |
| ezyCollect ezyUltimate | Not published | 3,000 debtors, 20 users, 10 workflows, on quote. Setup up to A$3,900 |
Checked August 2026 against each vendor’s published tier list. ezyCollect figures are Australian dollars on an annual contract, and monthly billing runs about 20 percent higher, so ezyStart is about A$330. Paidnice bills from a fixed local price table, so Essentials is A$99, £49, C$89, €59, NZ$109 excluding GST or R1,100.
What Sidetrade’s AIMIE relaunch actually shipped
ezyCollect was acquired by Sidetrade in October 2025 and relaunched in July 2026 with AIMIE, Sidetrade’s order-to-cash AI. It is worth being precise about what arrived and what was announced.
Shipped: a daily ranked list of collection priorities, and benchmarking against Sidetrade’s payment data. That is a queue-ordering tool, and on a ledger with several hundred debtors it saves a controller the first hour of the morning.
Announced rather than shipped as at August 2026: autonomous collections. Treat it as roadmap when you are comparing, not as something you are buying this year.
Paidnice’s AI Credit Controller is also in beta as at August 2026. It follows up overdue invoices, reads inbound replies, drafts responses and escalates, with human approval before anything sends. Both vendors are selling an agent that is unfinished, so the weight either deserves in a decision made now is close to nothing.
Questions from Australian wholesale and trade teams
The questions that come up on a trade ledger, where the terms are long, the accounts are businesses, and the software has to read something other than Xero.
We run MYOB AccountRight. Is Paidnice an option?
Not as a standard connector. Paidnice is native to Xero and QuickBooks Online, and MYOB sits on its Custom plan as a build. ezyCollect connects MYOB AccountRight, Exo, Essentials and Acumatica directly, along with Pronto Xi, SAP Business One, Attaché, JCurve and ABM.
Does ezyCollect charge a late fee?
No. No late fee, interest or statutory charge appears in its help centre or in the July 2026 relaunch materials, and card surcharging is the only charge the product adds. A surcharge is paid by the customer who pays, not by the one who is late.
What does ezyCollect actually cost in the first year?
On ezyStart at 200 debtors: A$3,300 of subscription on annual billing, A$900 of setup, A$1,080 for the card gateway and A$490 for ten in-app demand letters, so about A$5,770 plus GST on the metered lines. Monthly billing runs about 20 percent higher. Figures are as at August 2026; verify current pricing with the vendor.
Which one handles a customer with eleven overdue invoices better?
They handle it differently rather than better. ezyCollect consolidates the overdue invoices into one message per customer and moves the account through a workflow as a unit. Paidnice runs the policy per invoice inside a customer group, so invoices at different ages get different treatment on the same account, and the statement consolidates the balance afterwards.
Can I get credit scores and on-ledger late fees in one tool?
Not from either of these two. ezyCollect has the illion data and computes no charge; Paidnice computes the charge and has no credit checking of any kind. A business that needs both runs two tools or accepts the gap.
Is Paidnice priced in Australian dollars?
Yes, from a fixed local price table rather than an exchange-rate conversion, so Essentials is A$99 a month. ezyCollect prices in Australian dollars throughout, from A$275 a month on an annual contract plus setup from A$900.
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